Benchmark Lending Group, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Benchmark Lending Group, Inc. 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Benchmark Lending Group, Inc. 120 Stony Point Road, Suite 210 Santa Rosa, CA 95401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,373 |
| Total Mortgage Loan Application Amount | $770,298,000 |
| Average Mortgage Loan Application Amount | $191,260 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $181,521 |
| Highest Applicant Income | $2,974,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Benchmark Lending Group, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Benchmark Lending Group, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Benchmark Lending Group, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Benchmark Lending Group, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Benchmark Lending Group, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Benchmark Lending Group, Inc.'s mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 570 | $ 135,146,000 | $ 237,000 | $ 97,000 |
| Sonoma County California | 284 | $ 79,468,000 | $ 279,000 | $ 90,000 |
| Riverside County California | 256 | $ 55,660,000 | $ 217,000 | $ 105,000 |
| San Bernardino County California | 237 | $ 47,490,000 | $ 200,000 | $ 83,000 |
| Orange County California | 179 | $ 49,958,000 | $ 279,000 | $ 107,000 |
| Sacramento County California | 175 | $ 33,346,000 | $ 190,000 | $ 79,000 |
| King County Washington | 147 | $ 28,097,000 | $ 191,000 | $ 74,000 |
| Alameda County California | 127 | $ 35,006,000 | $ 275,000 | $ 87,000 |
| Contra Costa County California | 101 | $ 30,345,000 | $ 300,000 | $ 87,000 |
| San Joaquin County California | 98 | $ 21,400,000 | $ 218,000 | $ 86,000 |
| Pierce County Washington | 95 | $ 14,716,000 | $ 154,000 | $ 90,000 |
| Solano County California | 85 | $ 20,825,000 | $ 245,000 | $ 90,000 |
| San Diego County California | 61 | $ 14,387,000 | $ 235,000 | $ 98,000 |
| Ventura County California | 61 | $ 16,685,000 | $ 273,000 | $ 105,000 |
| Santa Clara County California | 60 | $ 17,270,000 | $ 287,000 | $ 119,000 |
| Snohomish County Washington | 60 | $ 10,731,000 | $ 178,000 | $ 78,000 |
| Placer County California | 50 | $ 11,505,000 | $ 230,000 | $ 91,000 |
| Stanislaus County California | 45 | $ 7,314,000 | $ 162,000 | $ 370,000 |
| El Dorado County California | 38 | $ 8,066,000 | $ 212,000 | $ 113,000 |
| Lake County California | 32 | $ 5,537,000 | $ 173,000 | $ 68,000 |
| San Mateo County California | 32 | $ 11,562,000 | $ 361,000 | $ 115,000 |
| Kitsap County Washington | 29 | $ 3,003,000 | $ 103,000 | $ 42,000 |
| Kern County California | 26 | $ 3,884,000 | $ 149,000 | $ 97,000 |
| Butte County California | 25 | $ 4,237,000 | $ 169,000 | $ 90,000 |
| Nevada County California | 23 | $ 5,201,000 | $ 226,000 | $ 69,000 |
| San Francisco County California | 23 | $ 7,264,000 | $ 315,000 | $ 121,000 |
| Jefferson County Colorado | 22 | $ 4,225,000 | $ 192,000 | $ 98,000 |
| Thurston County Washington | 22 | $ 3,163,000 | $ 143,000 | $ 111,000 |
| Marin County California | 20 | $ 5,943,000 | $ 297,000 | $ 105,000 |
| Yolo County California | 19 | $ 4,395,000 | $ 231,000 | $ 86,000 |
| Santa Cruz County California | 18 | $ 6,374,000 | $ 354,000 | $ 121,000 |
| Monterey County California | 17 | $ 4,532,000 | $ 266,000 | $ 125,000 |
| Sutter County California | 17 | $ 2,692,000 | $ 158,000 | $ 70,000 |
| Merced County California | 15 | $ 2,679,000 | $ 178,000 | $ 72,000 |
| Douglas County Colorado | 13 | $ 2,030,000 | $ 156,000 | $ 88,000 |
| San Benito County California | 12 | $ 3,342,000 | $ 278,000 | $ 78,000 |
| Island County Washington | 12 | $ 2,115,000 | $ 176,000 | $ 81,000 |
| Fresno County California | 11 | $ 2,305,000 | $ 209,000 | $ 52,000 |
| Mendocino County California | 11 | $ 2,955,000 | $ 268,000 | $ 104,000 |
| Shasta County California | 11 | $ 1,542,000 | $ 140,000 | $ 75,000 |
| Skagit County Washington | 11 | $ 1,836,000 | $ 166,000 | $ 56,000 |
| Calaveras County California | 10 | $ 1,679,000 | $ 167,000 | $ 65,000 |
| Adams County Colorado | 10 | $ 1,270,000 | $ 127,000 | $ 75,000 |
| Madera County California | 9 | $ 1,349,000 | $ 149,000 | $ 51,000 |
| Napa County California | 9 | $ 2,515,000 | $ 279,000 | $ 157,000 |
| Denver County Colorado | 9 | $ 1,831,000 | $ 203,000 | $ 77,000 |
| Kauai County Hawaii | 9 | $ 6,266,000 | $ 696,000 | $ 1,356,000 |
| Yuba County California | 8 | $ 1,331,000 | $ 166,000 | $ 62,000 |
| Whatcom County Washington | 8 | $ 932,000 | $ 116,000 | $ 81,000 |
| Arapahoe County Colorado | 7 | $ 1,053,000 | $ 150,000 | $ 100,000 |
| Weld County Colorado | 7 | $ 761,000 | $ 108,000 | $ 59,000 |
| Jefferson County Washington | 7 | $ 1,110,000 | $ 158,000 | $ 67,000 |
| Amador County California | 6 | $ 1,159,000 | $ 193,000 | $ 66,000 |
| Tuolumne County California | 6 | $ 1,417,000 | $ 236,000 | $ 105,000 |
| Santa Barbara County California | 5 | $ 1,388,000 | $ 277,000 | $ 131,000 |
| Tehama County California | 5 | $ 642,000 | $ 128,000 | $ 80,000 |
| Tulare County California | 5 | $ 1,019,000 | $ 203,000 | $ 102,000 |
| Boulder County Colorado | 5 | $ 1,241,000 | $ 248,000 | $ 113,000 |
| El Paso County Colorado | 5 | $ 843,000 | $ 168,000 | $ 86,000 |
| Clark County Nevada | 5 | $ 802,000 | $ 160,000 | $ 117,000 |
| Grays Harbor County Washington | 5 | $ 666,000 | $ 133,000 | $ 70,000 |
| Camden County Missouri | 4 | $ 276,000 | $ 69,000 | $ 300,000 |
| San Luis Obispo County California | 3 | $ 850,000 | $ 283,000 | $ 84,000 |
| McHenry County Illinois | 3 | $ 622,000 | $ 207,000 | $ 140,000 |
| Iron County Utah | 3 | $ 893,000 | $ 297,000 | $ 201,000 |
| Utah County Utah | 3 | $ 327,000 | $ 109,000 | $ 324,000 |
| Yavapai County Arizona | 2 | $ 184,000 | $ 92,000 | $ 112,000 |
| Colusa County California | 2 | $ 362,000 | $ 181,000 | $ 30,000 |
| Del Norte County California | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Inyo County California | 2 | $ 207,000 | $ 103,000 | $ 62,000 |
| Broomfield County Colorado | 2 | $ 167,000 | $ 83,000 | $ 106,000 |
| Chaffee County Colorado | 2 | $ 469,000 | $ 234,000 | $ 36,000 |
| Eagle County Colorado | 2 | $ 782,000 | $ 391,000 | $ 129,000 |
| Fremont County Colorado | 2 | $ 200,000 | $ 100,000 | $ 129,000 |
| Larimer County Colorado | 2 | $ 298,000 | $ 149,000 | $ 53,000 |
| Teller County Colorado | 2 | $ 158,000 | $ 79,000 | $ 64,000 |
| Lee County Florida | 2 | $ 158,000 | $ 79,000 | $ 147,000 |
| Honolulu County Hawaii | 2 | $ 357,000 | $ 178,000 | $ 74,000 |
| Park County Montana | 2 | $ 188,000 | $ 94,000 | $ 113,000 |
| Travis County Texas | 2 | $ 98,000 | $ 49,000 | $ 98,000 |
| Chesterfield County Virginia | 2 | $ 198,000 | $ 99,000 | $ 120,000 |
| Clallam County Washington | 2 | $ 285,000 | $ 142,000 | $ 85,000 |
| Franklin County Washington | 2 | $ 135,000 | $ 67,000 | $ 67,000 |
| Kittitas County Washington | 2 | $ 238,000 | $ 119,000 | $ 63,000 |
| San Juan County Washington | 2 | $ 221,000 | $ 110,000 | $ 39,000 |
| Maricopa County Arizona | 1 | $ 128,000 | $ 128,000 | $ 103,000 |
| Mohave County Arizona | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Glenn County California | 1 | $ 175,000 | $ 175,000 | $ 27,000 |
| Humboldt County California | 1 | $ 129,000 | $ 129,000 | $ 68,000 |
| Kings County California | 1 | $ 116,000 | $ 116,000 | $ 50,000 |
| Mariposa County California | 1 | $ 194,000 | $ 194,000 | $ 35,000 |
| Modoc County California | 1 | $ 67,000 | $ 67,000 | $ 53,000 |
| Sierra County California | 1 | $ 112,000 | $ 112,000 | $ 32,000 |
| Siskiyou County California | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Archuleta County Colorado | 1 | $ 130,000 | $ 130,000 | $ 95,000 |
| Gilpin County Colorado | 1 | $ 199,000 | $ 199,000 | $ 95,000 |
| Kit Carson County Colorado | 1 | $ 103,000 | $ 103,000 | $ 46,000 |
| La Plata County Colorado | 1 | $ 137,000 | $ 137,000 | $ 36,000 |
| Lake County Colorado | 1 | $ 210,000 | $ 210,000 | $ 72,000 |
| Otero County Colorado | 1 | $ 200,000 | $ 200,000 | $ 59,000 |
| Prowers County Colorado | 1 | $ 86,000 | $ 86,000 | $ 20,000 |
| Summit County Colorado | 1 | $ 279,000 | $ 279,000 | $ 281,000 |
| Hawaii County Hawaii | 1 | $ 332,000 | $ 332,000 | $ 115,000 |
| Carson City County Nevada | 1 | $ 312,000 | $ 312,000 | $ 150,000 |
| Deschutes County Oregon | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Josephine County Oregon | 1 | $ 148,000 | $ 148,000 | $ 222,000 |
| Lewis County Washington | 1 | $ 104,000 | $ 104,000 | $ 53,000 |
| Mason County Washington | 1 | $ 92,000 | $ 92,000 | $ 35,000 |
| Stevens County Washington | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Benchmark Lending Group, Inc. in 2004
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 | 3,120 | $700,248,000 | $159,333 | $990,000 | $198,666 | $2,974,000 |
| Home Purchase | 250 | $69,335,000 | $209,769 | $1,250,000 | $173,000 | $2,506,000 |
| Home Improvement | 3 | $715,000 | $238,000 | $412,000 | $138,000 | $180,000 |
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 | 2,602 | $595,927,000 | $166,933 | $1,250,000 | $175,133 | $2,974,000 |
| Hispanic | 386 | $81,886,000 | $188,750 | $639,000 | $76,750 | $361,000 |
| Not Provided | 143 | $32,134,000 | $159,200 | $866,000 | $92,000 | $410,000 |
| Black or African American | 119 | $25,392,000 | $135,666 | $540,000 | $64,666 | $243,000 |
| Asian | 84 | $23,887,000 | $239,000 | $650,000 | $90,000 | $282,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $6,788,000 | $217,500 | $618,000 | $113,000 | $163,000 |
| American Indian or Alaskan Native | 14 | $4,284,000 | $306,000 | $475,000 | $70,000 | $216,000 |
| 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) | 3,367 | $769,257,000 | $169,066 | $1,250,000 | $173,800 | $2,974,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $774,000 | $154,000 | $220,000 | $63,000 | $145,000 |
| FHA-insured (Federal Housing Administration) | 1 | $267,000 | $267,000 | $267,000 | $116,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,561 | $579,802,000 | $144,214 | $990,000 | $198,714 | $2,974,000 |
| Application Withdrawn By Applicant | 687 | $160,172,000 | $195,454 | $1,240,000 | $146,363 | $836,000 |
| Application Denied By Financial Institution | 102 | $24,462,000 | $324,333 | $1,250,000 | $205,666 | $888,000 |
| Application Approved But Not Accepted | 23 | $5,862,000 | $211,666 | $916,000 | $76,000 | $384,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 28 | $9,123,000 | $327,333 | $1,250,000 | $201,666 | $888,000 |
| Other | 24 | $4,281,000 | $119,666 | $468,000 | $71,666 | $228,000 |
| Debt-To-Income Ratio | 20 | $4,200,000 | $223,666 | $365,000 | $80,666 | $120,000 |
| Credit History | 19 | $3,662,000 | $158,500 | $681,000 | $84,000 | $215,000 |
| Employment History | 3 | $1,086,000 | $411,500 | $560,000 | $144,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $516,000 | $172,000 | $245,000 | $79,000 | $108,000 |
| Unverifiable Information | 3 | $836,000 | $278,000 | $440,000 | $112,000 | $144,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Benchmark Lending Group, Inc.'s 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Benchmark Lending Group, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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