Civic Financial Services, LLC Mortgage Lending & HMDA Data, 2019
In 2019, Civic Financial Services, LLC of Redondo Beach, CA reported 3,253 mortgage applications totaling $1.6 billion, up 79% from 2018. The average application was for $503,226, and applicants reported an average income of $0. 71% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (366), Atlanta-Sandy Springs-Roswell, GA (266) and Seattle-Bellevue-Everett, WA (244) (applications in parentheses).
| Mortgage Company & Address | Civic Financial Services, LLC 2015 Manhattan Beach Blvd Ste 106 Redondo Beach, CA 90278 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 3,253 |
| Total Mortgage Loan Application Amount | $1,636,995,000 |
| Average Mortgage Loan Application Amount | $503,226 |
| Highest Mortgage Loan Application Amount | $12,775,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Civic Financial Services, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 366 | $ 390,730,000 | $ 1,067,568 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 266 | $ 71,500,000 | $ 268,796 | $ 0 |
| Seattle-Bellevue-Everett, WA | 244 | $ 163,830,000 | $ 671,434 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 122 | $ 48,680,000 | $ 399,016 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 111 | $ 42,185,000 | $ 380,045 | $ 0 |
| Dallas-Plano-Irving, TX | 106 | $ 32,630,000 | $ 307,830 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 103 | $ 37,565,000 | $ 364,708 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 103 | $ 26,135,000 | $ 253,737 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 97 | $ 28,735,000 | $ 296,237 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 97 | $ 18,985,000 | $ 195,721 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 93 | $ 39,705,000 | $ 426,935 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 92 | $ 36,030,000 | $ 391,630 | $ 0 |
| Urban Honolulu, HI | 86 | $ 48,520,000 | $ 564,186 | $ 0 |
| Denver-Aurora-Lakewood, CO | 75 | $ 27,055,000 | $ 360,733 | $ 0 |
| Outside any metro area | 75 | $ 31,855,000 | $ 424,733 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 71 | $ 77,655,000 | $ 1,093,732 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 64 | $ 30,850,000 | $ 482,031 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 63 | $ 39,885,000 | $ 633,095 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 58 | $ 24,100,000 | $ 415,517 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 57 | $ 14,675,000 | $ 257,456 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 48 | $ 28,800,000 | $ 600,000 | $ 0 |
| Fort Worth-Arlington, TX | 43 | $ 13,525,000 | $ 314,534 | $ 0 |
| Austin-Round Rock, TX | 41 | $ 18,635,000 | $ 454,512 | $ 0 |
| Tacoma-Lakewood, WA | 40 | $ 16,750,000 | $ 418,750 | $ 0 |
| San Diego-Carlsbad, CA | 37 | $ 32,285,000 | $ 872,567 | $ 0 |
| San Antonio-New Braunfels, TX | 26 | $ 8,580,000 | $ 330,000 | $ 0 |
| Jacksonville, FL | 25 | $ 6,655,000 | $ 266,200 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 25 | $ 15,385,000 | $ 615,400 | $ 0 |
| Charleston-North Charleston, SC | 23 | $ 7,105,000 | $ 308,913 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 23 | $ 10,315,000 | $ 448,478 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 23 | $ 31,635,000 | $ 1,375,434 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 20 | $ 6,620,000 | $ 331,000 | $ 0 |
| Colorado Springs, CO | 19 | $ 5,115,000 | $ 269,210 | $ 0 |
| Bakersfield, CA | 18 | $ 2,850,000 | $ 158,333 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 18 | $ 14,270,000 | $ 792,777 | $ 0 |
| Cape Coral-Fort Myers, FL | 17 | $ 4,495,000 | $ 264,411 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 2,930,000 | $ 183,125 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 15 | $ 8,045,000 | $ 536,333 | $ 0 |
| Reno, NV | 15 | $ 3,755,000 | $ 250,333 | $ 0 |
| Santa Maria-Santa Barbara, CA | 14 | $ 12,510,000 | $ 893,571 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 13 | $ 2,885,000 | $ 221,923 | $ 0 |
| Salem, OR | 13 | $ 7,585,000 | $ 583,461 | $ 0 |
| Lakeland-Winter Haven, FL | 12 | $ 2,760,000 | $ 230,000 | $ 0 |
| Port St. Lucie, FL | 12 | $ 2,360,000 | $ 196,666 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 12,020,000 | $ 1,001,666 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 12 | $ 2,310,000 | $ 192,500 | $ 0 |
| Stockton-Lodi, CA | 11 | $ 2,745,000 | $ 249,545 | $ 0 |
| Kennewick-Richland, WA | 10 | $ 2,420,000 | $ 242,000 | $ 0 |
| Santa Rosa, CA | 10 | $ 6,280,000 | $ 628,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 9 | $ 4,615,000 | $ 512,777 | $ 0 |
| Vallejo-Fairfield, CA | 9 | $ 2,305,000 | $ 256,111 | $ 0 |
| Bremerton-Silverdale, WA | 8 | $ 2,350,000 | $ 293,750 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 2,420,000 | $ 302,500 | $ 0 |
| Eugene, OR | 7 | $ 1,375,000 | $ 196,428 | $ 0 |
| Fresno, CA | 7 | $ 2,015,000 | $ 287,857 | $ 0 |
| Memphis, TN-MS-AR | 7 | $ 2,075,000 | $ 296,428 | $ 0 |
| Olympia-Tumwater, WA | 7 | $ 1,545,000 | $ 220,714 | $ 0 |
| Salt Lake City, UT | 7 | $ 3,725,000 | $ 532,142 | $ 0 |
| Fort Collins, CO | 6 | $ 2,350,000 | $ 391,666 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,060,000 | $ 176,666 | $ 0 |
| Mount Vernon-Anacortes, WA | 6 | $ 2,150,000 | $ 358,333 | $ 0 |
| San Rafael, CA | 6 | $ 10,640,000 | $ 1,773,333 | $ 0 |
| Spokane-Spokane Valley, WA | 6 | $ 1,450,000 | $ 241,666 | $ 0 |
| Wilmington, NC | 6 | $ 2,460,000 | $ 410,000 | $ 0 |
| Boulder, CO | 5 | $ 3,285,000 | $ 657,000 | $ 0 |
| Durham-Chapel Hill, NC | 5 | $ 1,275,000 | $ 255,000 | $ 0 |
| Raleigh, NC | 5 | $ 2,435,000 | $ 487,000 | $ 0 |
| Salinas, CA | 5 | $ 3,345,000 | $ 669,000 | $ 0 |
| Bend-Redmond, OR | 4 | $ 1,050,000 | $ 262,500 | $ 0 |
| Columbia, SC | 4 | $ 810,000 | $ 202,500 | $ 0 |
| Greeley, CO | 4 | $ 1,680,000 | $ 420,000 | $ 0 |
| Modesto, CA | 4 | $ 790,000 | $ 197,500 | $ 0 |
| Napa, CA | 4 | $ 3,040,000 | $ 760,000 | $ 0 |
| Sebastian-Vero Beach, FL | 4 | $ 970,000 | $ 242,500 | $ 0 |
| Brownsville-Harlingen, TX | 3 | $ 1,225,000 | $ 408,333 | $ 0 |
| Chattanooga, TN-GA | 3 | $ 895,000 | $ 298,333 | $ 0 |
| Corvallis, OR | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Fayetteville, NC | 3 | $ 355,000 | $ 118,333 | $ 0 |
| McAllen-Edinburg-Mission, TX | 3 | $ 475,000 | $ 158,333 | $ 0 |
| Ocala, FL | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Panama City, FL | 3 | $ 535,000 | $ 178,333 | $ 0 |
| Prescott Valley-Prescott, AZ | 3 | $ 675,000 | $ 225,000 | $ 0 |
| Pueblo, CO | 3 | $ 505,000 | $ 168,333 | $ 0 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,015,000 | $ 338,333 | $ 0 |
| Yakima, WA | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Asheville, NC | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Bellingham, WA | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Greensboro-High Point, NC | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Madera, CA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Merced, CA | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Provo-Orem, UT | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Punta Gorda, FL | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Richmond, VA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Savannah, GA | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Sebring, FL | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Tucson, AZ | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Valdosta, GA | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Walla Walla, WA | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Wenatchee, WA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Albany, OR | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Brunswick, GA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Carson City, NV | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Charlottesville, VA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cleveland, TN | 1 | $ 125,000 | $ 125,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 165,000 | $ 165,000 | $ 0 |
| El Paso, TX | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 1,515,000 | $ 1,515,000 | $ 0 |
| Gainesville, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Grand Junction, CO | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Jacksonville, NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Knoxville, TN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Laredo, TX | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Longview, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Medford, OR | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 945,000 | $ 945,000 | $ 0 |
| St. George, UT | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Staunton-Waynesboro, VA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Tallahassee, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Waco, TX | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Warner Robins, GA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Yuba City, CA | 1 | $ 165,000 | $ 165,000 | $ 0 |
Mortgage Loan Application Detail Totals for Civic Financial Services, LLC in 2019
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 | 1,481 | $636,955,000 | $430,000 | $6,305,000 | $0 | $0 |
| Refinancing | 1,347 | $734,545,000 | $545,000 | $12,355,000 | $0 | $0 |
| Home Improvement | 425 | $265,495,000 | $624,000 | $12,775,000 | $0 | $0 |
| Cash-out Refinancing | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,209 | $672,235,000 | $556,000 | $12,775,000 | $0 | $0 |
| White | 999 | $563,005,000 | $563,000 | $12,225,000 | $0 | $0 |
| Hispanic | 379 | $142,815,000 | $376,000 | $6,105,000 | $0 | $0 |
| Black or African American | 349 | $104,415,000 | $299,000 | $2,275,000 | $0 | $0 |
| Asian | 282 | $133,110,000 | $472,000 | $3,155,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 10 | $4,920,000 | $492,000 | $1,005,000 | $0 | $0 |
| Not applicable | 10 | $4,270,000 | $427,000 | $1,285,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $2,110,000 | $527,000 | $1,085,000 | $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) | 3,253 | $1,636,995,000 | $503,000 | $12,775,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,318 | $1,145,440,000 | $494,000 | $12,355,000 | $0 | $0 |
| Application Withdrawn By Applicant | 406 | $195,410,000 | $481,000 | $5,125,000 | $0 | $0 |
| Application Approved But Not Accepted | 356 | $205,470,000 | $577,000 | $12,775,000 | $0 | $0 |
| Application Denied By Financial Institution | 143 | $78,135,000 | $546,000 | $4,805,000 | $0 | $0 |
| File Closed For Incompleteness | 30 | $12,540,000 | $418,000 | $3,265,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,110 | $1,558,860,000 | $501,000 | $12,775,000 | $0 | $0 |
| Other | 52 | $17,150,000 | $329,000 | $1,525,000 | $0 | $0 |
| Collateral | 32 | $21,780,000 | $680,000 | $2,795,000 | $0 | $0 |
| Unverifiable Information | 27 | $22,845,000 | $846,000 | $4,805,000 | $0 | $0 |
| Credit History | 17 | $7,775,000 | $457,000 | $1,415,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $8,290,000 | $592,000 | $1,815,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $295,000 | $295,000 | $295,000 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Civic Financial Services, LLC's 2019 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 Civic Financial Services, LLC'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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