Best Capital Funding Mortgage Lending & HMDA Data, 2022
In 2022, Best Capital Funding of Chatsworth, CA reported 1,345 mortgage applications totaling $499.0 million, down 69% from 2021. The average application was for $370,977, and applicants reported an average income of $117,982. 51% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (179), Riverside-San Bernardino-Ontario, CA (165) and Las Vegas-Henderson-Paradise, NV (109) (applications in parentheses).
| Mortgage Company & Address | Best Capital Funding 21540 Plummer Street, Suite A Chatsworth, CA 91311 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 1,345 |
| Total Mortgage Loan Application Amount | $498,965,000 |
| Average Mortgage Loan Application Amount | $370,977 |
| Highest Mortgage Loan Application Amount | $1,525,000 |
| Average Applicant Income | $117,982 |
| Highest Applicant Income | $1,392,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Best Capital Funding filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 179 | $ 98,445,000 | $ 549,972 | $ 127,000 |
| Riverside-San Bernardino-Ontario, CA | 165 | $ 69,605,000 | $ 421,848 | $ 130,000 |
| Las Vegas-Henderson-Paradise, NV | 109 | $ 40,815,000 | $ 374,449 | $ 140,000 |
| Fresno, CA | 106 | $ 34,560,000 | $ 326,037 | $ 124,000 |
| Dallas-Plano-Irving, TX | 73 | $ 16,105,000 | $ 220,616 | $ 48,000 |
| Outside any metro area | 51 | $ 15,785,000 | $ 309,509 | $ 116,274 |
| Phoenix-Mesa-Scottsdale, AZ | 49 | $ 14,545,000 | $ 296,836 | $ 150,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 37 | $ 13,245,000 | $ 357,972 | $ 122,000 |
| Madera, CA | 32 | $ 11,100,000 | $ 346,875 | $ 127,000 |
| Anaheim-Santa Ana-Irvine, CA | 28 | $ 15,680,000 | $ 560,000 | $ 127,000 |
| Louisville/Jefferson County, KY-IN | 26 | $ 4,970,000 | $ 191,153 | $ 121,000 |
| Camden, NJ | 25 | $ 6,015,000 | $ 240,600 | $ 87,000 |
| Bakersfield, CA | 24 | $ 5,440,000 | $ 226,666 | $ 117,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 18 | $ 7,930,000 | $ 440,555 | $ 110,000 |
| San Diego-Carlsbad, CA | 18 | $ 9,350,000 | $ 519,444 | $ 144,000 |
| Santa Maria-Santa Barbara, CA | 18 | $ 7,570,000 | $ 420,555 | $ 128,000 |
| Chicago-Naperville, IL | 17 | $ 3,535,000 | $ 207,941 | $ 74,000 |
| Eugene, OR | 15 | $ 4,605,000 | $ 307,000 | $ 102,000 |
| Fort Worth-Arlington, TX | 15 | $ 5,835,000 | $ 389,000 | $ 123,000 |
| Houston-The Woodlands-Sugar Land, TX | 13 | $ 3,925,000 | $ 301,923 | $ 126,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 3,880,000 | $ 323,333 | $ 65,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 3,115,000 | $ 283,181 | $ 94,181 |
| Oakland-Hayward-Berkeley, CA | 11 | $ 5,895,000 | $ 535,909 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 2,935,000 | $ 266,818 | $ 109,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 1,110,000 | $ 111,000 | $ 107,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 3,920,000 | $ 392,000 | $ 97,200 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 4,145,000 | $ 460,555 | $ 139,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 3,570,000 | $ 446,250 | $ 105,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 2,830,000 | $ 353,750 | $ 94,000 |
| Hartford-West Hartford-East Hartford, CT | 7 | $ 2,465,000 | $ 352,142 | $ 120,000 |
| Lake Havasu City-Kingman, AZ | 7 | $ 3,355,000 | $ 479,285 | $ 154,000 |
| Newark, NJ-PA | 7 | $ 2,445,000 | $ 349,285 | $ 83,714 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 4,135,000 | $ 590,714 | $ 140,000 |
| Stockton-Lodi, CA | 7 | $ 2,335,000 | $ 333,571 | $ 93,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,750,000 | $ 291,666 | $ 94,000 |
| Bend-Redmond, OR | 5 | $ 2,375,000 | $ 475,000 | $ 314,000 |
| Lake Charles, LA | 5 | $ 1,405,000 | $ 281,000 | $ 101,000 |
| New York-Newark, NY | 5 | $ 1,975,000 | $ 395,000 | $ 143,000 |
| Trenton, NJ | 5 | $ 1,285,000 | $ 257,000 | $ 62,000 |
| Albuquerque, NM | 4 | $ 1,260,000 | $ 315,000 | $ 138,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 2,280,000 | $ 570,000 | $ 110,000 |
| Fayetteville, NC | 4 | $ 910,000 | $ 227,500 | $ 77,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,380,000 | $ 345,000 | $ 70,000 |
| Jacksonville, FL | 4 | $ 780,000 | $ 195,000 | $ 134,000 |
| Modesto, CA | 4 | $ 1,350,000 | $ 337,500 | $ 99,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 1,420,000 | $ 355,000 | $ 108,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,220,000 | $ 305,000 | $ 99,000 |
| Reno, NV | 4 | $ 1,510,000 | $ 377,500 | $ 242,000 |
| San Antonio-New Braunfels, TX | 4 | $ 940,000 | $ 235,000 | $ 54,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,970,000 | $ 492,500 | $ 130,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,680,000 | $ 420,000 | $ 43,000 |
| Merced, CA | 3 | $ 575,000 | $ 191,666 | $ 39,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,345,000 | $ 448,333 | $ 155,000 |
| New Haven-Milford, CT | 3 | $ 775,000 | $ 258,333 | $ 124,000 |
| Oklahoma City, OK | 3 | $ 405,000 | $ 135,000 | $ 88,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 415,000 | $ 138,333 | $ 43,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,185,000 | $ 395,000 | $ 95,000 |
| Tucson, AZ | 3 | $ 725,000 | $ 241,666 | $ 23,000 |
| Visalia-Porterville, CA | 3 | $ 1,015,000 | $ 338,333 | $ 92,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,805,000 | $ 601,666 | $ 210,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Bowling Green, KY | 2 | $ 520,000 | $ 260,000 | $ 91,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 870,000 | $ 435,000 | $ 166,000 |
| Chico, CA | 2 | $ 540,000 | $ 270,000 | $ 79,000 |
| Columbia, SC | 2 | $ 360,000 | $ 180,000 | $ 32,000 |
| Elgin, IL | 2 | $ 450,000 | $ 225,000 | $ 108,000 |
| Greensboro-High Point, NC | 2 | $ 480,000 | $ 240,000 | $ 108,000 |
| Hanford-Corcoran, CA | 2 | $ 470,000 | $ 235,000 | $ 312,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 530,000 | $ 265,000 | $ 102,000 |
| Jefferson City, MO | 2 | $ 420,000 | $ 210,000 | $ 106,000 |
| Longview, TX | 2 | $ 590,000 | $ 295,000 | $ 10,000 |
| Memphis, TN-MS-AR | 2 | $ 390,000 | $ 195,000 | $ 60,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 610,000 | $ 305,000 | $ 111,000 |
| New Orleans-Metairie, LA | 2 | $ 470,000 | $ 235,000 | $ 167,000 |
| Olympia-Tumwater, WA | 2 | $ 670,000 | $ 335,000 | $ 60,000 |
| Philadelphia, PA | 2 | $ 430,000 | $ 215,000 | $ 76,000 |
| Providence-Warwick, RI-MA | 2 | $ 490,000 | $ 245,000 | $ 80,000 |
| Raleigh, NC | 2 | $ 570,000 | $ 285,000 | $ 63,000 |
| Santa Fe, NM | 2 | $ 500,000 | $ 250,000 | $ 52,000 |
| Tallahassee, FL | 2 | $ 240,000 | $ 120,000 | $ 200,000 |
| Tulsa, OK | 2 | $ 370,000 | $ 185,000 | $ 316,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 570,000 | $ 285,000 | $ 87,000 |
| Yuma, AZ | 2 | $ 550,000 | $ 275,000 | $ 111,000 |
| Akron, OH | 1 | $ 85,000 | $ 85,000 | $ 17,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 405,000 | $ 405,000 | $ 157,000 |
| Asheville, NC | 1 | $ 635,000 | $ 635,000 | $ 562,000 |
| Austin-Round Rock, TX | 1 | $ 165,000 | $ 165,000 | $ 173,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 285,000 | $ 285,000 | $ 55,000 |
| Bellingham, WA | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
| Birmingham-Hoover, AL | 1 | $ 1,425,000 | $ 1,425,000 | $ 780,000 |
| Bloomington, IN | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Bremerton-Silverdale, WA | 1 | $ 405,000 | $ 405,000 | $ 11,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| California-Lexington Park, MD | 1 | $ 395,000 | $ 395,000 | $ 81,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 305,000 | $ 305,000 | $ 1,000 |
| Charleston-North Charleston, SC | 1 | $ 325,000 | $ 325,000 | $ 113,000 |
| Cincinnati, OH-KY-IN | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Colorado Springs, CO | 1 | $ 455,000 | $ 455,000 | $ 103,000 |
| Columbus, OH | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Corpus Christi, TX | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| East Stroudsburg, PA | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Evansville, IN-KY | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Flagstaff, AZ | 1 | $ 305,000 | $ 305,000 | $ 133,000 |
| Fort Wayne, IN | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Kansas City, MO-KS | 1 | $ 235,000 | $ 235,000 | $ 121,000 |
| Kokomo, IN | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 385,000 | $ 385,000 | $ 160,000 |
| Lakeland-Winter Haven, FL | 1 | $ 605,000 | $ 605,000 | $ 856,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 335,000 | $ 335,000 | $ 132,000 |
| Norwich-New London, CT | 1 | $ 645,000 | $ 645,000 | $ 159,000 |
| Owensboro, KY | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Rockford, IL | 1 | $ 195,000 | $ 195,000 | $ 44,000 |
| Salem, OR | 1 | $ 325,000 | $ 325,000 | $ 61,000 |
| Salinas, CA | 1 | $ 195,000 | $ 195,000 | $ 16,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Savannah, GA | 1 | $ 485,000 | $ 485,000 | $ 138,000 |
| Sebastian-Vero Beach, FL | 1 | $ 365,000 | $ 365,000 | $ 304,000 |
| Sherman-Denison, TX | 1 | $ 125,000 | $ 125,000 | $ 275,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Spokane-Spokane Valley, WA | 1 | $ 465,000 | $ 465,000 | $ 94,000 |
| St. Cloud, MN | 1 | $ 455,000 | $ 455,000 | $ 101,000 |
| Vallejo-Fairfield, CA | 1 | $ 425,000 | $ 425,000 | $ 137,000 |
| Wausau, WI | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Winston-Salem, NC | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Yuba City, CA | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Best Capital Funding in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 718 | $288,920,000 | $402,000 | $1,525,000 | $137,000 | $1,392,000 |
| Cash-out Refinancing | 389 | $138,975,000 | $357,000 | $1,425,000 | $100,000 | $939,000 |
| Refinancing | 238 | $71,070,000 | $298,000 | $1,325,000 | $90,000 | $1,048,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 602 | $226,840,000 | $376,000 | $1,505,000 | $123,000 | $1,392,000 |
| Hispanic | 351 | $125,335,000 | $357,000 | $1,525,000 | $107,000 | $939,000 |
| Asian | 137 | $54,815,000 | $400,000 | $1,355,000 | $124,000 | $674,000 |
| Not Provided | 136 | $49,080,000 | $360,000 | $965,000 | $136,000 | $856,000 |
| Black or African American | 88 | $29,890,000 | $339,000 | $1,425,000 | $100,000 | $780,000 |
| Not applicable | 19 | $8,425,000 | $443,000 | $645,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,820,000 | $303,000 | $535,000 | $78,000 | $125,000 |
| American Indian or Alaskan Native | 1 | $205,000 | $205,000 | $205,000 | $43,000 | $43,000 |
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) | 1,093 | $411,015,000 | $376,000 | $1,525,000 | $125,000 | $1,392,000 |
| FHA-insured (Federal Housing Administration) | 220 | $72,680,000 | $330,000 | $785,000 | $89,000 | $330,000 |
| VA-guaranteed (Veterans Administration) | 32 | $15,270,000 | $477,000 | $1,155,000 | $110,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 687 | $247,655,000 | $360,000 | $1,505,000 | $118,000 | $1,392,000 |
| Application Withdrawn By Applicant | 445 | $173,405,000 | $389,000 | $1,525,000 | $128,000 | $1,048,000 |
| Application Approved But Not Accepted | 147 | $53,185,000 | $361,000 | $1,325,000 | $100,000 | $360,000 |
| Application Denied By Financial Institution | 38 | $12,810,000 | $337,000 | $1,355,000 | $73,000 | $204,000 |
| Loan Purchased By The Institution | 19 | $8,425,000 | $443,000 | $645,000 | $0 | $0 |
| File Closed For Incompleteness | 9 | $3,485,000 | $387,000 | $645,000 | $125,000 | $280,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,307 | $486,155,000 | $371,000 | $1,525,000 | $120,000 | $1,392,000 |
| Debt-To-Income Ratio | 14 | $5,370,000 | $383,000 | $965,000 | $77,000 | $190,000 |
| Credit Application Incomplete | 5 | $2,825,000 | $565,000 | $1,355,000 | $68,000 | $114,000 |
| Credit History | 5 | $1,375,000 | $275,000 | $335,000 | $41,000 | $91,000 |
| Unverifiable Information | 5 | $1,275,000 | $255,000 | $545,000 | $90,000 | $204,000 |
| Employment History | 4 | $1,010,000 | $252,000 | $365,000 | $64,000 | $128,000 |
| Other | 2 | $630,000 | $315,000 | $425,000 | $122,000 | $182,000 |
| Collateral | 2 | $230,000 | $115,000 | $165,000 | $83,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Best Capital Funding's 2022 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 Best Capital Funding'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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with aggregated HMDA statistics today.
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