Spectra Funding, Inc.
Mortgage Loan Application
Totals and Details
for 2013
Find mortgage loan statistics, lending data, and loan application totals for California.
The mortgage statistics and data below are specific to mortgage loan applications for Spectra Funding, Inc..
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2022.
| Mortgage Company & Address | Spectra Funding, Inc. 2766 Gateway Road Carlsbad, CA 92009 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 |
| Total Number of Mortgage Applications | 308 |
| Total Mortgage Loan Application Amount | $67,602,000 |
| Average Mortgage Loan Application Amount | $295,666 |
| Highest Mortgage Loan Application Amount | $875,000 |
| Average Applicant Income | $112,333 |
| Highest Applicant Income | $941,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in CA, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allegany County Maryland | 72 | $ 9,333,000 | $ 129,000 | $ 65,000 |
| San Diego County California | 29 | $ 10,897,000 | $ 375,000 | $ 149,000 |
| Mineral County West Virginia | 21 | $ 3,134,000 | $ 149,000 | $ 60,000 |
| Pinellas County Florida | 15 | $ 2,080,000 | $ 138,000 | $ 65,000 |
| Hernando County Florida | 14 | $ 1,739,000 | $ 124,000 | $ 49,000 |
| Pasco County Florida | 12 | $ 1,453,000 | $ 121,000 | $ 51,000 |
| Alameda County California | 8 | $ 2,350,000 | $ 293,000 | $ 145,000 |
| Orange County California | 6 | $ 1,981,000 | $ 330,000 | $ 293,000 |
| Contra Costa County California | 5 | $ 2,952,000 | $ 590,000 | $ 195,000 |
| Los Angeles County California | 5 | $ 2,010,000 | $ 402,000 | $ 224,000 |
| Hillsborough County Florida | 5 | $ 878,000 | $ 175,000 | $ 91,000 |
| Worcester County Maryland | 5 | $ 1,302,000 | $ 260,000 | $ 49,000 |
| Hampshire County West Virginia | 5 | $ 482,000 | $ 96,000 | $ 43,000 |
| Broward County Florida | 4 | $ 658,000 | $ 164,000 | $ 48,000 |
| Garrett County Maryland | 4 | $ 407,000 | $ 101,000 | $ 49,000 |
| Washington County Maryland | 4 | $ 623,000 | $ 155,000 | $ 81,000 |
| Chesapeake County Virginia | 4 | $ 680,000 | $ 170,000 | $ 118,000 |
| Riverside County California | 3 | $ 509,000 | $ 169,000 | $ 84,000 |
| San Mateo County California | 3 | $ 1,302,000 | $ 434,000 | $ 186,000 |
| Sussex County Delaware | 3 | $ 883,000 | $ 294,000 | $ 136,000 |
| Baltimore County Maryland | 3 | $ 913,000 | $ 304,000 | $ 117,000 |
| Bedford County Pennsylvania | 3 | $ 311,000 | $ 103,000 | $ 57,000 |
| Newport News County Virginia | 3 | $ 890,000 | $ 296,000 | $ 88,000 |
| Marin County California | 2 | $ 1,095,000 | $ 547,000 | $ 214,000 |
| Santa Clara County California | 2 | $ 1,590,000 | $ 795,000 | $ 266,000 |
| Fairfax County Virginia | 2 | $ 759,000 | $ 379,000 | $ 116,000 |
| Richmond City County Virginia | 2 | $ 227,000 | $ 113,000 | $ 48,000 |
| Stafford County Virginia | 2 | $ 530,000 | $ 265,000 | $ 130,000 |
| Virginia Beach County Virginia | 2 | $ 283,000 | $ 141,000 | $ 42,000 |
| Calaveras County California | 1 | $ 90,000 | $ 90,000 | $ 138,000 |
| San Bernardino County California | 1 | $ 298,000 | $ 298,000 | $ 174,000 |
| San Francisco County California | 1 | $ 489,000 | $ 489,000 | $ 105,000 |
| Santa Barbara County California | 1 | $ 710,000 | $ 710,000 | $ 262,000 |
| Kent County Delaware | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| New Castle County Delaware | 1 | $ 268,000 | $ 268,000 | $ 83,000 |
| Alachua County Florida | 1 | $ 417,000 | $ 417,000 | $ 134,000 |
| Manatee County Florida | 1 | $ 166,000 | $ 166,000 | $ 98,000 |
| Miami-Dade County Florida | 1 | $ 417,000 | $ 417,000 | $ 88,000 |
| Sarasota County Florida | 1 | $ 417,000 | $ 417,000 | $ 180,000 |
| Anne Arundel County Maryland | 1 | $ 151,000 | $ 151,000 | $ 43,000 |
| Baltimore City County Maryland | 1 | $ 208,000 | $ 208,000 | $ 73,000 |
| Calvert County Maryland | 1 | $ 451,000 | $ 451,000 | $ 150,000 |
| Carroll County Maryland | 1 | $ 279,000 | $ 279,000 | $ 110,000 |
| Charles County Maryland | 1 | $ 323,000 | $ 323,000 | $ 130,000 |
| Montgomery County Maryland | 1 | $ 433,000 | $ 433,000 | $ 152,000 |
| Wicomico County Maryland | 1 | $ 238,000 | $ 238,000 | $ 62,000 |
| Somerset County Pennsylvania | 1 | $ 274,000 | $ 274,000 | $ 116,000 |
| Gloucester County Virginia | 1 | $ 264,000 | $ 264,000 | $ 82,000 |
| Hampton County Virginia | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Henrico County Virginia | 1 | $ 117,000 | $ 117,000 | $ 94,000 |
| Isle of Wight County Virginia | 1 | $ 242,000 | $ 242,000 | $ 42,000 |
| Loudoun County Virginia | 1 | $ 47,000 | $ 47,000 | $ 27,000 |
| Norfolk County Virginia | 1 | $ 150,000 | $ 150,000 | $ 209,000 |
| Portsmouth County Virginia | 1 | $ 256,000 | $ 256,000 | $ 65,000 |
| Prince William County Virginia | 1 | $ 263,000 | $ 263,000 | $ 210,000 |
| Berkeley County West Virginia | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Grant County West Virginia | 1 | $ 79,000 | $ 79,000 | $ 35,000 |
| Monongalia County West Virginia | 1 | $ 126,000 | $ 126,000 | $ 175,000 |
| Preston County West Virginia | 1 | $ 234,000 | $ 234,000 | $ 90,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of California,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Spectra Funding, Inc. in 2013
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 154 | $39,880,000 | $258,000 | $775,000 | $106,000 | $435,000 |
| Home Purchase | 153 | $27,271,000 | $178,000 | $875,000 | $81,000 | $941,000 |
| Home Improvement | 1 | $451,000 | $451,000 | $451,000 | $150,000 | $150,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 276 | $60,644,000 | $219,000 | $875,000 | $95,000 | $941,000 |
| Black or African American | 16 | $3,330,000 | $208,000 | $454,000 | $82,000 | $209,000 |
| Hispanic | 8 | $1,450,000 | $181,000 | $398,000 | $51,000 | $95,000 |
| Asian | 7 | $1,904,000 | $272,000 | $425,000 | $127,000 | $433,000 |
| Not Provided | 1 | $274,000 | $274,000 | $274,000 | $116,000 | $116,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 177 | $46,031,000 | $260,000 | $875,000 | $118,000 | $941,000 |
| FHA-insured (Federal Housing Administration) | 72 | $13,250,000 | $184,000 | $572,000 | $66,000 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $4,833,000 | $117,000 | $330,000 | $47,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,488,000 | $193,000 | $425,000 | $67,000 | $143,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 278 | $59,932,000 | $215,000 | $875,000 | $91,000 | $941,000 |
| Application Withdrawn By Applicant | 18 | $4,504,000 | $250,000 | $572,000 | $120,000 | $433,000 |
| Application Denied By Financial Institution | 11 | $3,049,000 | $277,000 | $710,000 | $110,000 | $384,000 |
| Application Approved But Not Accepted | 1 | $117,000 | $117,000 | $117,000 | $45,000 | $45,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $721,000 | $360,000 | $682,000 | $41,000 | $50,000 |
| Credit Application Incomplete | 2 | $378,000 | $189,000 | $304,000 | $44,000 | $52,000 |
| Other | 1 | $710,000 | $710,000 | $710,000 | $262,000 | $262,000 |
| Unverifiable Information | 1 | $415,000 | $415,000 | $415,000 | $384,000 | $384,000 |
| Collateral | 1 | $76,000 | $76,000 | $76,000 | $52,000 | $52,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in CA, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in California, and search similar information at your convenience.