Benchmark Lending Group, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, Benchmark Lending Group, Inc. of Santa Rosa, CA reported 3,395 mortgage applications totaling $946.5 million, up 1% from 2004. The average application was for $278,803, and applicants reported an average income of $109,392. 72% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (494), Riverside-San Bernardino-Ontario, CA (469) and Oakland-Fremont-Hayward, CA (261) (applications in parentheses).
| 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 | 3,395 |
| Total Mortgage Loan Application Amount | $946,539,000 |
| Average Mortgage Loan Application Amount | $278,803 |
| Highest Mortgage Loan Application Amount | $974,000 |
| Average Applicant Income | $109,392 |
| Highest Applicant Income | $996,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Benchmark Lending Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 494 | $ 146,206,000 | $ 295,963 | $ 142,000 |
| Sonoma, California | 256 | $ 74,947,000 | $ 292,761 | $ 124,000 |
| San Bernardino, California | 251 | $ 55,915,000 | $ 222,768 | $ 111,000 |
| Riverside, California | 218 | $ 58,720,000 | $ 269,357 | $ 126,000 |
| Orange, California | 162 | $ 54,274,000 | $ 335,024 | $ 137,000 |
| Contra Costa, California | 149 | $ 51,386,000 | $ 344,872 | $ 128,000 |
| Sacramento, California | 146 | $ 37,516,000 | $ 256,958 | $ 107,000 |
| Santa Clara, California | 146 | $ 51,311,000 | $ 351,445 | $ 127,000 |
| King, Washington | 144 | $ 33,442,000 | $ 232,236 | $ 91,000 |
| Pierce, Washington | 116 | $ 21,731,000 | $ 187,336 | $ 75,000 |
| Alameda, California | 112 | $ 36,485,000 | $ 325,758 | $ 130,000 |
| Solano, California | 112 | $ 31,751,000 | $ 283,491 | $ 108,000 |
| San Joaquin, California | 108 | $ 31,698,000 | $ 293,500 | $ 83,000 |
| San Diego, California | 87 | $ 26,878,000 | $ 308,942 | $ 138,000 |
| Snohomish, Washington | 75 | $ 15,286,000 | $ 203,813 | $ 77,000 |
| Ventura, California | 49 | $ 15,395,000 | $ 314,183 | $ 97,000 |
| Kern, California | 39 | $ 6,797,000 | $ 174,282 | $ 114,000 |
| Placer, California | 39 | $ 11,367,000 | $ 291,461 | $ 79,000 |
| Stanislaus, California | 39 | $ 10,003,000 | $ 256,487 | $ 92,000 |
| Fresno, California | 38 | $ 8,634,000 | $ 227,210 | $ 122,000 |
| San Mateo, California | 37 | $ 13,131,000 | $ 354,891 | $ 122,000 |
| Monterey, California | 29 | $ 11,862,000 | $ 409,034 | $ 143,000 |
| Santa Cruz, California | 29 | $ 8,819,000 | $ 304,103 | $ 175,000 |
| Marin, California | 27 | $ 11,027,000 | $ 408,407 | $ 172,000 |
| El Dorado, California | 23 | $ 7,323,000 | $ 318,391 | $ 108,000 |
| Lake, California | 23 | $ 4,773,000 | $ 207,521 | $ 83,000 |
| Merced, California | 23 | $ 6,687,000 | $ 290,739 | $ 102,000 |
| Thurston, Washington | 23 | $ 3,420,000 | $ 148,695 | $ 52,000 |
| Napa, California | 20 | $ 7,207,000 | $ 360,350 | $ 110,000 |
| Honolulu, Hawaii | 20 | $ 6,359,000 | $ 317,950 | $ 90,000 |
| Butte, California | 19 | $ 4,181,000 | $ 220,052 | $ 99,000 |
| San Francisco, California | 17 | $ 5,347,000 | $ 314,529 | $ 170,000 |
| Kitsap, Washington | 15 | $ 2,217,000 | $ 147,800 | $ 78,000 |
| Spokane, Washington | 14 | $ 1,910,000 | $ 136,428 | $ 86,000 |
| Madera, California | 12 | $ 2,685,000 | $ 223,750 | $ 98,000 |
| Sutter, California | 11 | $ 2,481,000 | $ 225,545 | $ 109,000 |
| Yolo, California | 11 | $ 3,035,000 | $ 275,909 | $ 117,000 |
| Yuba, California | 11 | $ 2,569,000 | $ 233,545 | $ 118,000 |
| Island, Washington | 11 | $ 2,133,000 | $ 193,909 | $ 78,000 |
| San Benito, California | 10 | $ 4,836,000 | $ 483,600 | $ 121,000 |
| San Luis Obispo, California | 10 | $ 2,632,000 | $ 263,200 | $ 107,000 |
| Tuolumne, California | 10 | $ 2,213,000 | $ 221,300 | $ 89,000 |
| Amador, California | 9 | $ 1,739,000 | $ 193,222 | $ 102,000 |
| Shasta, California | 9 | $ 2,785,000 | $ 309,444 | $ 64,000 |
| Mendocino, California | 8 | $ 2,390,000 | $ 298,750 | $ 107,000 |
| Tulare, California | 8 | $ 1,357,000 | $ 169,625 | $ 71,000 |
| Skagit, Washington | 8 | $ 1,426,000 | $ 178,250 | $ 61,000 |
| Lee, Florida | 7 | $ 1,782,000 | $ 254,571 | $ 157,000 |
| Santa Barbara, California | 6 | $ 2,448,000 | $ 408,000 | $ 111,000 |
| Palm Beach, Florida | 6 | $ 1,632,000 | $ 272,000 | $ 78,000 |
| Clay, Minnesota | 6 | $ 387,000 | $ 64,500 | $ 102,000 |
| Humboldt, California | 5 | $ 1,235,000 | $ 247,000 | $ 123,000 |
| Nevada, California | 5 | $ 2,064,000 | $ 412,800 | $ 134,000 |
| Calaveras, California | 4 | $ 1,154,000 | $ 288,500 | $ 128,000 |
| Colusa, California | 4 | $ 1,687,000 | $ 421,750 | $ 134,000 |
| El Paso, Colorado | 4 | $ 903,000 | $ 225,750 | $ 89,000 |
| Miami-Dade, Florida | 4 | $ 939,000 | $ 234,750 | $ 83,000 |
| Kauai, Hawaii | 4 | $ 1,319,000 | $ 329,750 | $ 101,000 |
| Grays Harbor, Washington | 4 | $ 508,000 | $ 127,000 | $ 81,000 |
| San Juan, Washington | 4 | $ 1,480,000 | $ 370,000 | $ 136,000 |
| Tehama, California | 3 | $ 575,000 | $ 191,666 | $ 79,000 |
| Jefferson, Colorado | 3 | $ 627,000 | $ 209,000 | $ 61,000 |
| Brevard, Florida | 3 | $ 654,000 | $ 218,000 | $ 109,000 |
| Hawaii, Hawaii | 3 | $ 1,056,000 | $ 352,000 | $ 234,000 |
| Hennepin, Minnesota | 3 | $ 847,000 | $ 282,333 | $ 87,000 |
| Lewis, Washington | 3 | $ 363,000 | $ 121,000 | $ 78,000 |
| Mason, Washington | 3 | $ 449,000 | $ 149,666 | $ 59,000 |
| Whatcom, Washington | 3 | $ 408,000 | $ 136,000 | $ 34,000 |
| Kings, California | 2 | $ 151,000 | $ 75,500 | $ 37,000 |
| Boulder, Colorado | 2 | $ 454,000 | $ 227,000 | $ 67,000 |
| Elbert, Colorado | 2 | $ 467,000 | $ 233,500 | $ 111,000 |
| Park, Colorado | 2 | $ 633,000 | $ 316,500 | $ 103,000 |
| Weld, Colorado | 2 | $ 416,000 | $ 208,000 | $ 69,000 |
| Orange, Florida | 2 | $ 186,000 | $ 93,000 | $ 63,000 |
| Pinellas, Florida | 2 | $ 587,000 | $ 293,500 | $ 129,000 |
| Seminole, Florida | 2 | $ 392,000 | $ 196,000 | $ 126,000 |
| Anoka, Minnesota | 2 | $ 342,000 | $ 171,000 | $ 123,000 |
| Dakota, Minnesota | 2 | $ 418,000 | $ 209,000 | $ 100,000 |
| Le Sueur, Minnesota | 2 | $ 186,000 | $ 93,000 | $ 77,000 |
| Washington, Minnesota | 2 | $ 145,000 | $ 72,500 | $ 33,000 |
| Stone, Missouri | 2 | $ 103,000 | $ 51,500 | $ 136,000 |
| Okanogan, Washington | 2 | $ 352,000 | $ 176,000 | $ 80,000 |
| Whitman, Washington | 2 | $ 71,000 | $ 35,500 | $ 58,000 |
| Mohave, Arizona | 1 | $ 253,000 | $ 253,000 | $ 72,000 |
| Glenn, California | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Inyo, California | 1 | $ 193,000 | $ 193,000 | $ 83,000 |
| Mariposa, California | 1 | $ 256,000 | $ 256,000 | $ 36,000 |
| Mono, California | 1 | $ 198,000 | $ 198,000 | $ 85,000 |
| Plumas, California | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Broomfield, Colorado | 1 | $ 192,000 | $ 192,000 | $ 40,000 |
| Douglas, Colorado | 1 | $ 340,000 | $ 340,000 | $ 117,000 |
| Mesa, Colorado | 1 | $ 86,000 | $ 86,000 | $ 32,000 |
| Montrose, Colorado | 1 | $ 163,000 | $ 163,000 | $ 107,000 |
| Teller, Colorado | 1 | $ 321,000 | $ 321,000 | $ 68,000 |
| Broward, Florida | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Charlotte, Florida | 1 | $ 184,000 | $ 184,000 | $ 160,000 |
| DeSoto, Florida | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Hillsborough, Florida | 1 | $ 242,000 | $ 242,000 | $ 45,000 |
| Monroe, Florida | 1 | $ 300,000 | $ 300,000 | $ 114,000 |
| Sarasota, Florida | 1 | $ 469,000 | $ 469,000 | $ 183,000 |
| St. Lucie, Florida | 1 | $ 192,000 | $ 192,000 | $ 62,000 |
| Maui, Hawaii | 1 | $ 562,000 | $ 562,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 116,000 | $ 116,000 | $ 150,000 |
| Lake, Indiana | 1 | $ 25,000 | $ 25,000 | $ 99,000 |
| Crow Wing, Minnesota | 1 | $ 62,000 | $ 62,000 | $ 85,000 |
| Douglas, Minnesota | 1 | $ 220,000 | $ 220,000 | $ 80,000 |
| Morrison, Minnesota | 1 | $ 237,000 | $ 237,000 | $ 130,000 |
| Pennington, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Scott, Minnesota | 1 | $ 224,000 | $ 224,000 | $ 66,000 |
| Ray, Missouri | 1 | $ 222,000 | $ 222,000 | $ 71,000 |
| Webster, Missouri | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Cascade, Montana | 1 | $ 77,000 | $ 77,000 | $ 14,000 |
| Clallam, Washington | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Douglas, Washington | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Kittitas, Washington | 1 | $ 187,000 | $ 187,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Benchmark Lending Group, Inc. in 2005
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 | 3,042 | $855,058,000 | $216,666 | $963,000 | $76,666 | $828,000 |
| Home Purchase | 353 | $91,481,000 | $162,500 | $974,000 | $114,875 | $996,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,462 | $680,414,000 | $195,100 | $963,000 | $87,400 | $828,000 |
| Hispanic | 400 | $112,466,000 | $211,200 | $950,000 | $90,000 | $571,000 |
| Not Provided | 188 | $51,075,000 | $242,333 | $974,000 | $116,666 | $378,000 |
| Asian | 160 | $48,168,000 | $265,500 | $810,000 | $104,250 | $996,000 |
| Black or African American | 139 | $39,738,000 | $171,250 | $669,000 | $85,250 | $239,000 |
| Native Hawaiian or Other Pacific Islander | 33 | $10,994,000 | $331,666 | $668,000 | $91,666 | $179,000 |
| American Indian or Alaskan Native | 13 | $3,684,000 | $283,000 | $508,000 | $85,000 | $195,000 |
| 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) | 3,392 | $945,653,000 | $193,300 | $974,000 | $87,200 | $996,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $886,000 | $321,000 | $398,000 | $93,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 2,456 | $690,262,000 | $222,375 | $974,000 | $95,250 | $828,000 |
| Application Approved But Not Accepted | 512 | $147,179,000 | $187,777 | $960,000 | $88,888 | $996,000 |
| Application Denied By Financial Institution | 198 | $50,888,000 | $212,600 | $943,000 | $106,800 | $571,000 |
| File Closed For Incompleteness | 118 | $30,326,000 | $203,250 | $943,000 | $104,250 | $406,000 |
| Application Withdrawn By Applicant | 111 | $27,884,000 | $229,750 | $850,000 | $82,500 | $556,000 |
| 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 | 60 | $16,174,000 | $160,000 | $943,000 | $97,500 | $571,000 |
| Credit History | 35 | $7,454,000 | $191,000 | $685,000 | $88,500 | $234,000 |
| Collateral | 28 | $7,991,000 | $321,000 | $738,000 | $136,000 | $344,000 |
| Employment History | 17 | $4,621,000 | $248,500 | $776,000 | $89,500 | $156,000 |
| Other | 11 | $1,547,000 | $160,000 | $360,000 | $71,000 | $186,000 |
| Unverifiable Information | 11 | $2,502,000 | $349,333 | $461,000 | $109,000 | $216,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $778,000 | $389,000 | $620,000 | $99,500 | $141,000 |
| Mortgage Insurance Denied | 1 | $444,000 | $444,000 | $444,000 | $150,000 | $150,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Benchmark Lending Group, Inc.'s 2005 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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