Best Finance Capital, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Best Finance Capital, Inc. of Garden Grove, CA reported 957 mortgage applications totaling $374.1 million, down 8% from 2020. The average application was for $390,872, and applicants reported an average income of $117,939. 46% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Anaheim-Santa Ana-Irvine, CA (232), Los Angeles-Long Beach-Glendale, CA (143) and Riverside-San Bernardino-Ontario, CA (140) (applications in parentheses).
| Mortgage Company & Address | Best Finance Capital, Inc. 12966 S Euclid St Garden Grove, CA 92840 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 957 |
| Total Mortgage Loan Application Amount | $374,065,000 |
| Average Mortgage Loan Application Amount | $390,872 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $117,939 |
| Highest Applicant Income | $2,797,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Best Finance Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orange, California | 232 | $ 101,230,000 | $ 436,336 | $ 133,000 |
| Los Angeles, California | 143 | $ 61,595,000 | $ 430,734 | $ 108,000 |
| Clark, Nevada | 89 | $ 27,805,000 | $ 312,415 | $ 100,000 |
| Riverside, California | 87 | $ 30,945,000 | $ 355,689 | $ 94,000 |
| San Bernardino, California | 53 | $ 17,455,000 | $ 329,339 | $ 97,000 |
| King, Washington | 34 | $ 14,640,000 | $ 430,588 | $ 116,000 |
| Santa Clara, California | 20 | $ 9,310,000 | $ 465,500 | $ 129,000 |
| Snohomish, Washington | 20 | $ 8,620,000 | $ 431,000 | $ 109,000 |
| Sacramento, California | 16 | $ 5,360,000 | $ 335,000 | $ 91,000 |
| San Diego, California | 14 | $ 5,230,000 | $ 373,571 | $ 110,000 |
| Harris, Texas | 13 | $ 3,765,000 | $ 289,615 | $ 229,000 |
| Sonoma, California | 12 | $ 4,780,000 | $ 398,333 | $ 59,000 |
| Miami-Dade, Florida | 11 | $ 3,325,000 | $ 302,272 | $ 107,000 |
| Kern, California | 8 | $ 1,880,000 | $ 235,000 | $ 87,000 |
| Fort Bend, Texas | 8 | $ 2,670,000 | $ 333,750 | $ 109,000 |
| Pierce, Washington | 8 | $ 3,300,000 | $ 412,500 | $ 138,000 |
| Contra Costa, California | 7 | $ 3,375,000 | $ 482,142 | $ 112,000 |
| San Joaquin, California | 6 | $ 2,010,000 | $ 335,000 | $ 142,000 |
| Denton, Texas | 6 | $ 1,660,000 | $ 276,666 | $ 108,000 |
| Clark, Washington | 6 | $ 2,320,000 | $ 386,666 | $ 204,000 |
| Kitsap, Washington | 6 | $ 2,340,000 | $ 390,000 | $ 156,000 |
| Alameda, California | 5 | $ 2,625,000 | $ 525,000 | $ 127,000 |
| Adams, Colorado | 5 | $ 2,125,000 | $ 425,000 | $ 152,000 |
| Larimer, Colorado | 5 | $ 1,925,000 | $ 385,000 | $ 158,000 |
| Douglas, Nevada | 5 | $ 1,785,000 | $ 357,000 | $ 107,000 |
| Multnomah, Oregon | 5 | $ 1,115,000 | $ 223,000 | $ 89,000 |
| Collin, Texas | 5 | $ 1,435,000 | $ 287,000 | $ 92,000 |
| Travis, Texas | 5 | $ 1,515,000 | $ 303,000 | $ 121,000 |
| Ventura, California | 4 | $ 1,870,000 | $ 467,500 | $ 136,000 |
| Broward, Florida | 4 | $ 1,230,000 | $ 307,500 | $ 99,000 |
| Washoe, Nevada | 4 | $ 1,430,000 | $ 357,500 | $ 139,000 |
| Chelan, Washington | 4 | $ 1,560,000 | $ 390,000 | $ 99,000 |
| Thurston, Washington | 4 | $ 1,930,000 | $ 482,500 | $ 204,000 |
| Maricopa, Arizona | 3 | $ 4,055,000 | $ 1,351,666 | $ 980,000 |
| Placer, California | 3 | $ 1,025,000 | $ 341,666 | $ 99,000 |
| San Francisco, California | 3 | $ 1,365,000 | $ 455,000 | $ 132,000 |
| San Luis Obispo, California | 3 | $ 1,335,000 | $ 445,000 | $ 99,000 |
| Solano, California | 3 | $ 1,285,000 | $ 428,333 | $ 125,000 |
| Douglas, Colorado | 3 | $ 1,605,000 | $ 535,000 | $ 109,000 |
| Montgomery, Texas | 3 | $ 665,000 | $ 221,666 | $ 92,000 |
| Benton, Washington | 3 | $ 1,015,000 | $ 338,333 | $ 95,000 |
| Mohave, Arizona | 2 | $ 370,000 | $ 185,000 | $ 64,000 |
| Monterey, California | 2 | $ 830,000 | $ 415,000 | $ 57,000 |
| San Mateo, California | 2 | $ 910,000 | $ 455,000 | $ 74,000 |
| Santa Cruz, California | 2 | $ 750,000 | $ 375,000 | $ 118,000 |
| Yolo, California | 2 | $ 550,000 | $ 275,000 | $ 74,000 |
| Arapahoe, Colorado | 2 | $ 1,050,000 | $ 525,000 | $ 201,000 |
| Grand, Colorado | 2 | $ 490,000 | $ 245,000 | $ 21,000 |
| La Plata, Colorado | 2 | $ 760,000 | $ 380,000 | $ 76,000 |
| Collier, Florida | 2 | $ 780,000 | $ 390,000 | $ 81,000 |
| Duval, Florida | 2 | $ 360,000 | $ 180,000 | $ 160,000 |
| Osceola, Florida | 2 | $ 490,000 | $ 245,000 | $ 61,000 |
| Palm Beach, Florida | 2 | $ 500,000 | $ 250,000 | $ 85,000 |
| St. Lucie, Florida | 2 | $ 630,000 | $ 315,000 | $ 70,000 |
| Washington, Oregon | 2 | $ 880,000 | $ 440,000 | $ 123,000 |
| Bexar, Texas | 2 | $ 460,000 | $ 230,000 | $ 90,000 |
| Spokane, Washington | 2 | $ 720,000 | $ 360,000 | $ 140,000 |
| Stevens, Washington | 2 | $ 600,000 | $ 300,000 | $ 53,000 |
| Whatcom, Washington | 2 | $ 660,000 | $ 330,000 | $ 136,000 |
| Butte, California | 1 | $ 325,000 | $ 325,000 | $ 69,000 |
| Fresno, California | 1 | $ 365,000 | $ 365,000 | $ 74,000 |
| Madera, California | 1 | $ 295,000 | $ 295,000 | $ 86,000 |
| Marin, California | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Mendocino, California | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Merced, California | 1 | $ 345,000 | $ 345,000 | $ 64,000 |
| Mono, California | 1 | $ 245,000 | $ 245,000 | $ 393,000 |
| Napa, California | 1 | $ 355,000 | $ 355,000 | $ 54,000 |
| San Benito, California | 1 | $ 295,000 | $ 295,000 | $ 113,000 |
| Santa Barbara, California | 1 | $ 735,000 | $ 735,000 | $ 78,000 |
| Siskiyou, California | 1 | $ 295,000 | $ 295,000 | $ 100,000 |
| Stanislaus, California | 1 | $ 435,000 | $ 435,000 | $ 240,000 |
| Boulder, Colorado | 1 | $ 505,000 | $ 505,000 | $ 65,000 |
| Denver, Colorado | 1 | $ 335,000 | $ 335,000 | $ 160,000 |
| El Paso, Colorado | 1 | $ 385,000 | $ 385,000 | $ 50,000 |
| Gilpin, Colorado | 1 | $ 465,000 | $ 465,000 | $ 125,000 |
| Jefferson, Colorado | 1 | $ 495,000 | $ 495,000 | $ 125,000 |
| Weld, Colorado | 1 | $ 345,000 | $ 345,000 | $ 115,000 |
| Lee, Florida | 1 | $ 405,000 | $ 405,000 | $ 97,000 |
| Leon, Florida | 1 | $ 335,000 | $ 335,000 | $ 60,000 |
| Manatee, Florida | 1 | $ 555,000 | $ 555,000 | $ 123,000 |
| Orange, Florida | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Polk, Florida | 1 | $ 315,000 | $ 315,000 | $ 48,000 |
| Sarasota, Florida | 1 | $ 495,000 | $ 495,000 | $ 115,000 |
| Volusia, Florida | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Effingham, Georgia | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Benton, Oregon | 1 | $ 385,000 | $ 385,000 | $ 215,000 |
| Deschutes, Oregon | 1 | $ 485,000 | $ 485,000 | $ 84,000 |
| Dallas, Texas | 1 | $ 525,000 | $ 525,000 | $ 161,000 |
| Ector, Texas | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Fannin, Texas | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Hays, Texas | 1 | $ 295,000 | $ 295,000 | $ 372,000 |
| Parker, Texas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Franklin, Washington | 1 | $ 475,000 | $ 475,000 | $ 109,000 |
| Jefferson, Washington | 1 | $ 275,000 | $ 275,000 | $ 172,000 |
| Kittitas, Washington | 1 | $ 365,000 | $ 365,000 | $ 81,000 |
| Mason, Washington | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Skagit, Washington | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Best Finance Capital, Inc. in 2021
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 | 611 | $224,995,000 | $368,000 | $1,345,000 | $114,000 | $723,000 |
| Cash-out Refinancing | 192 | $78,110,000 | $406,000 | $1,285,000 | $120,000 | $765,000 |
| Home Purchase | 154 | $70,960,000 | $460,000 | $3,505,000 | $131,000 | $2,797,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Asian | 367 | $145,525,000 | $396,000 | $3,505,000 | $136,000 | $2,797,000 |
| Hispanic | 276 | $100,960,000 | $365,000 | $885,000 | $96,000 | $483,000 |
| White | 198 | $80,590,000 | $407,000 | $1,345,000 | $123,000 | $510,000 |
| Not Provided | 96 | $39,120,000 | $407,000 | $1,285,000 | $102,000 | $360,000 |
| Black or African American | 15 | $5,855,000 | $390,000 | $615,000 | $102,000 | $215,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,005,000 | $335,000 | $355,000 | $132,000 | $154,000 |
| American Indian or Alaskan Native | 1 | $465,000 | $465,000 | $465,000 | $57,000 | $57,000 |
| 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) | 889 | $345,305,000 | $388,000 | $3,505,000 | $120,000 | $2,797,000 |
| FHA-insured (Federal Housing Administration) | 66 | $27,800,000 | $421,000 | $885,000 | $81,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $475,000 | $475,000 | $475,000 | $303,000 | $303,000 |
| VA-guaranteed (Veterans Administration) | 1 | $485,000 | $485,000 | $485,000 | $102,000 | $102,000 |
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 | 443 | $168,975,000 | $381,000 | $3,505,000 | $123,000 | $2,797,000 |
| Application Withdrawn By Applicant | 427 | $166,815,000 | $390,000 | $1,345,000 | $115,000 | $723,000 |
| Preapproval Denied by Financial Institution | 35 | $16,615,000 | $474,000 | $885,000 | $108,000 | $242,000 |
| File Closed For Incompleteness | 26 | $9,780,000 | $376,000 | $615,000 | $131,000 | $396,000 |
| Application Denied By Financial Institution | 26 | $11,880,000 | $456,000 | $825,000 | $87,000 | $273,000 |
| Application Approved But Not Accepted | 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 |
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 | 896 | $345,570,000 | $385,000 | $3,505,000 | $119,000 | $2,797,000 |
| Debt-To-Income Ratio | 29 | $14,875,000 | $512,000 | $865,000 | $100,000 | $273,000 |
| Credit Application Incomplete | 12 | $5,660,000 | $471,000 | $885,000 | $120,000 | $242,000 |
| Unverifiable Information | 10 | $3,240,000 | $324,000 | $545,000 | $81,000 | $149,000 |
| Employment History | 8 | $3,920,000 | $490,000 | $825,000 | $98,000 | $229,000 |
| Credit History | 1 | $385,000 | $385,000 | $385,000 | $132,000 | $132,000 |
| Other | 1 | $415,000 | $415,000 | $415,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Best Finance Capital, Inc.'s 2021 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 Finance Capital, 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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