Benchmark Lending Group, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Benchmark Lending Group, Inc. of Santa Rosa, CA reported 2,605 mortgage applications totaling $763.8 million, down 23% from 2005. The average application was for $293,191, and applicants reported an average income of $108,243. 53% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (433), Riverside-San Bernardino-Ontario, CA (411) and Seattle-Bellevue-Everett, WA (216) (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 | 2,605 |
| Total Mortgage Loan Application Amount | $763,764,000 |
| Average Mortgage Loan Application Amount | $293,191 |
| Highest Mortgage Loan Application Amount | $3,250,000 |
| Average Applicant Income | $108,243 |
| Highest Applicant Income | $960,000 |
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records Benchmark Lending Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 433 | $ 133,614,000 | $ 308,577 | $ 115,000 |
| Riverside-San Bernardino-Ontario, CA | 411 | $ 108,987,000 | $ 265,175 | $ 96,000 |
| Seattle-Bellevue-Everett, WA | 216 | $ 49,244,000 | $ 227,981 | $ 85,000 |
| Oakland-Fremont-Hayward, CA | 163 | $ 57,949,000 | $ 355,515 | $ 118,000 |
| Santa Rosa-Petaluma, CA | 159 | $ 53,352,000 | $ 335,547 | $ 121,000 |
| Santa Ana-Anaheim-Irvine, CA | 150 | $ 50,961,000 | $ 339,740 | $ 120,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 130 | $ 36,243,000 | $ 278,792 | $ 97,000 |
| Tacoma, WA | 115 | $ 22,256,000 | $ 193,530 | $ 84,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 86 | $ 29,763,000 | $ 346,081 | $ 137,000 |
| San Francisco-San Mateo-Redwood City, CA | 74 | $ 32,865,000 | $ 444,121 | $ 164,000 |
| San Diego-Carlsbad-San Marcos, CA | 71 | $ 24,966,000 | $ 351,633 | $ 120,000 |
| Vallejo-Fairfield, CA | 60 | $ 19,034,000 | $ 317,233 | $ 105,000 |
| Stockton, CA | 49 | $ 15,369,000 | $ 313,653 | $ 110,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 42 | $ 14,015,000 | $ 333,690 | $ 107,000 |
| Modesto, CA | 29 | $ 8,415,000 | $ 290,172 | $ 89,000 |
| Bakersfield, CA | 27 | $ 4,483,000 | $ 166,037 | $ 85,000 |
| Salinas, CA | 26 | $ 8,550,000 | $ 328,846 | $ 154,000 |
| Bremerton-Silverdale, WA | 19 | $ 3,773,000 | $ 198,578 | $ 73,000 |
| Olympia, WA | 18 | $ 3,232,000 | $ 179,555 | $ 62,000 |
| Mount Vernon-Anacortes, WA | 15 | $ 3,358,000 | $ 223,866 | $ 121,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 3,223,000 | $ 247,923 | $ 115,000 |
| Yuba City, CA | 12 | $ 2,531,000 | $ 210,916 | $ 104,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,156,000 | $ 196,000 | $ 99,000 |
| Napa, CA | 11 | $ 3,830,000 | $ 348,181 | $ 94,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 4,480,000 | $ 407,272 | $ 159,000 |
| Fresno, CA | 10 | $ 3,004,000 | $ 300,400 | $ 76,000 |
| Merced, CA | 9 | $ 2,349,000 | $ 261,000 | $ 94,000 |
| Tucson, AZ | 9 | $ 1,664,000 | $ 184,888 | $ 214,000 |
| Spokane, WA | 8 | $ 863,000 | $ 107,875 | $ 153,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 3,347,000 | $ 478,142 | $ 134,000 |
| Chico, CA | 6 | $ 1,481,000 | $ 246,833 | $ 82,000 |
| Bellingham, WA | 5 | $ 1,124,000 | $ 224,800 | $ 75,000 |
| Denver-Aurora, CO | 5 | $ 891,000 | $ 178,200 | $ 88,000 |
| Madera, CA | 5 | $ 1,056,000 | $ 211,200 | $ 76,000 |
| El Centro, CA | 4 | $ 632,000 | $ 158,000 | $ 77,000 |
| Honolulu, HI | 4 | $ 7,580,000 | $ 1,895,000 | $ 381,000 |
| Redding, CA | 4 | $ 1,162,000 | $ 290,500 | $ 88,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 531,000 | $ 177,000 | $ 233,000 |
| Hanford-Corcoran, CA | 3 | $ 436,000 | $ 145,333 | $ 175,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 423,000 | $ 141,000 | $ 181,000 |
| Visalia-Porterville, CA | 3 | $ 535,000 | $ 178,333 | $ 73,000 |
| Bend, OR | 2 | $ 472,000 | $ 236,000 | $ 65,000 |
| Boulder, CO | 2 | $ 252,000 | $ 126,000 | $ 82,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 471,000 | $ 235,500 | $ 109,000 |
| Naples-Marco Island, FL | 2 | $ 378,000 | $ 189,000 | $ 80,000 |
| Santa Barbara-Santa Maria, CA | 2 | $ 708,000 | $ 354,000 | $ 71,000 |
| Asheville, NC | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Colorado Springs, CO | 1 | $ 176,000 | $ 176,000 | $ 123,000 |
| Jacksonville, FL | 1 | $ 208,000 | $ 208,000 | $ 129,000 |
| Kansas City, MO-KS | 1 | $ 130,000 | $ 130,000 | $ 74,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 633,000 | $ 633,000 | $ 164,000 |
| Las Vegas-Paradise, NV | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 112,000 | $ 112,000 | $ 95,000 |
| Muskegon-Norton Shores, MI | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Ocala, FL | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Orlando-Kissimmee, FL | 1 | $ 137,000 | $ 137,000 | $ 104,000 |
| Rochester, MN | 1 | $ 149,000 | $ 149,000 | $ 144,000 |
| Springfield, MO | 1 | $ 77,000 | $ 77,000 | $ 34,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Yakima, WA | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Benchmark Lending Group, Inc. in 2006
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 | 2,280 | $668,366,000 | $293,000 | $3,250,000 | $105,000 | $960,000 |
| Home Purchase | 325 | $95,398,000 | $293,000 | $1,409,000 | $131,000 | $900,000 |
| 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 | 1,737 | $503,139,000 | $289,000 | $3,250,000 | $113,000 | $960,000 |
| Not Provided | 308 | $94,394,000 | $306,000 | $1,323,000 | $80,000 | $947,000 |
| Hispanic | 273 | $79,965,000 | $292,000 | $1,000,000 | $102,000 | $402,000 |
| Asian | 122 | $38,148,000 | $312,000 | $1,000,000 | $135,000 | $540,000 |
| Black or African American | 117 | $34,228,000 | $292,000 | $826,000 | $104,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $10,562,000 | $310,000 | $810,000 | $135,000 | $390,000 |
| American Indian or Alaskan Native | 14 | $3,328,000 | $237,000 | $602,000 | $77,000 | $197,000 |
| 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) | 2,602 | $762,807,000 | $293,000 | $3,250,000 | $108,000 | $960,000 |
| VA-guaranteed (Veterans Administration) | 2 | $857,000 | $428,000 | $515,000 | $82,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $100,000 | $100,000 | $100,000 | $70,000 | $70,000 |
| 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 | 1,376 | $383,373,000 | $278,000 | $1,360,000 | $110,000 | $731,000 |
| Application Withdrawn By Applicant | 649 | $204,384,000 | $314,000 | $1,409,000 | $92,000 | $960,000 |
| Application Approved But Not Accepted | 410 | $123,394,000 | $300,000 | $1,400,000 | $114,000 | $582,000 |
| Application Denied By Financial Institution | 99 | $34,481,000 | $348,000 | $3,250,000 | $145,000 | $720,000 |
| File Closed For Incompleteness | 71 | $18,132,000 | $255,000 | $727,000 | $142,000 | $528,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 33 | $9,324,000 | $282,000 | $1,000,000 | $129,000 | $438,000 |
| Collateral | 31 | $11,797,000 | $380,000 | $3,250,000 | $181,000 | $720,000 |
| Debt-To-Income Ratio | 11 | $3,094,000 | $281,000 | $515,000 | $84,000 | $150,000 |
| Unverifiable Information | 9 | $3,252,000 | $361,000 | $712,000 | $126,000 | $291,000 |
| Other | 6 | $4,498,000 | $749,000 | $3,250,000 | $214,000 | $720,000 |
| Employment History | 6 | $1,753,000 | $292,000 | $820,000 | $133,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Benchmark Lending Group, Inc.'s 2006 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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