Express Capital Lending
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Express Capital Lending 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Express Capital Lending 3134 Airway Avenue Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 8,275 |
| Total Mortgage Loan Application Amount | $1,905,421,000 |
| Average Mortgage Loan Application Amount | $199,473 |
| Highest Mortgage Loan Application Amount | $1,080,000 |
| Average Applicant Income | $72,881 |
| Highest Applicant Income | $1,860,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Express Capital Lending. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Express Capital Lending's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Express Capital Lending's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Express Capital Lending serves its applicants.
Each category highlights the total number of mortgage applications processed by Express Capital Lending, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Express Capital Lending's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 1,069 | $ 255,891,000 | $ 239,000 | $ 84,000 |
| San Diego County California | 829 | $ 220,239,000 | $ 265,000 | $ 73,000 |
| Orange County California | 754 | $ 220,895,000 | $ 292,000 | $ 88,000 |
| Riverside County California | 390 | $ 75,821,000 | $ 194,000 | $ 65,000 |
| Santa Clara County California | 244 | $ 81,690,000 | $ 334,000 | $ 106,000 |
| Maricopa County Arizona | 211 | $ 34,112,000 | $ 161,000 | $ 64,000 |
| Alameda County California | 194 | $ 58,231,000 | $ 300,000 | $ 91,000 |
| Cook County Illinois | 177 | $ 35,618,000 | $ 201,000 | $ 74,000 |
| San Bernardino County California | 165 | $ 28,250,000 | $ 171,000 | $ 65,000 |
| Broward County Florida | 162 | $ 29,768,000 | $ 183,000 | $ 87,000 |
| Miami-Dade County Florida | 151 | $ 26,980,000 | $ 178,000 | $ 80,000 |
| Contra Costa County California | 142 | $ 37,112,000 | $ 261,000 | $ 85,000 |
| San Mateo County California | 131 | $ 44,650,000 | $ 340,000 | $ 84,000 |
| Ventura County California | 131 | $ 36,709,000 | $ 280,000 | $ 72,000 |
| Sacramento County California | 123 | $ 22,668,000 | $ 184,000 | $ 70,000 |
| King County Washington | 122 | $ 24,693,000 | $ 202,000 | $ 81,000 |
| Sonoma County California | 104 | $ 31,889,000 | $ 306,000 | $ 110,000 |
| Salt Lake County Utah | 104 | $ 18,183,000 | $ 174,000 | $ 59,000 |
| Clark County Nevada | 101 | $ 16,313,000 | $ 161,000 | $ 68,000 |
| San Joaquin County California | 83 | $ 15,041,000 | $ 181,000 | $ 64,000 |
| Palm Beach County Florida | 82 | $ 15,353,000 | $ 187,000 | $ 125,000 |
| Monterey County California | 71 | $ 18,328,000 | $ 258,000 | $ 71,000 |
| Hennepin County Minnesota | 71 | $ 12,058,000 | $ 169,000 | $ 44,000 |
| Arapahoe County Colorado | 64 | $ 12,410,000 | $ 193,000 | $ 70,000 |
| San Francisco County California | 52 | $ 20,683,000 | $ 397,000 | $ 115,000 |
| Montgomery County Maryland | 52 | $ 12,119,000 | $ 233,000 | $ 62,000 |
| Fairfax County Virginia | 52 | $ 12,548,000 | $ 241,000 | $ 50,000 |
| Solano County California | 51 | $ 12,267,000 | $ 240,000 | $ 88,000 |
| Prince George's County Maryland | 51 | $ 8,913,000 | $ 174,000 | $ 65,000 |
| Hillsborough County Florida | 47 | $ 6,338,000 | $ 134,000 | $ 52,000 |
| Denver County Colorado | 46 | $ 8,328,000 | $ 181,000 | $ 63,000 |
| Lee County Florida | 46 | $ 8,428,000 | $ 183,000 | $ 85,000 |
| Sarasota County Florida | 41 | $ 9,148,000 | $ 223,000 | $ 64,000 |
| Maui County Hawaii | 39 | $ 12,234,000 | $ 313,000 | $ 88,000 |
| Multnomah County Oregon | 39 | $ 6,686,000 | $ 171,000 | $ 84,000 |
| Cuyahoga County Ohio | 38 | $ 6,453,000 | $ 169,000 | $ 51,000 |
| Napa County California | 36 | $ 10,825,000 | $ 300,000 | $ 62,000 |
| Snohomish County Washington | 36 | $ 6,115,000 | $ 169,000 | $ 68,000 |
| Pinellas County Florida | 33 | $ 6,939,000 | $ 210,000 | $ 73,000 |
| Davis County Utah | 33 | $ 5,140,000 | $ 155,000 | $ 40,000 |
| Shelby County Tennessee | 32 | $ 5,484,000 | $ 171,000 | $ 67,000 |
| Utah County Utah | 32 | $ 6,207,000 | $ 193,000 | $ 67,000 |
| Placer County California | 29 | $ 6,461,000 | $ 222,000 | $ 100,000 |
| Hamilton County Ohio | 28 | $ 5,107,000 | $ 182,000 | $ 58,000 |
| Stanislaus County California | 26 | $ 4,243,000 | $ 163,000 | $ 63,000 |
| Pierce County Washington | 26 | $ 5,160,000 | $ 198,000 | $ 108,000 |
| Kern County California | 25 | $ 3,730,000 | $ 149,000 | $ 71,000 |
| El Paso County Colorado | 25 | $ 4,974,000 | $ 198,000 | $ 50,000 |
| Orange County Florida | 24 | $ 4,412,000 | $ 183,000 | $ 74,000 |
| Franklin County Ohio | 24 | $ 4,611,000 | $ 192,000 | $ 60,000 |
| Santa Barbara County California | 23 | $ 8,552,000 | $ 371,000 | $ 99,000 |
| Adams County Colorado | 23 | $ 3,216,000 | $ 139,000 | $ 36,000 |
| El Dorado County California | 22 | $ 6,616,000 | $ 300,000 | $ 114,000 |
| Jefferson County Colorado | 22 | $ 5,817,000 | $ 264,000 | $ 86,000 |
| Loudoun County Virginia | 22 | $ 4,314,000 | $ 196,000 | $ 100,000 |
| Honolulu County Hawaii | 21 | $ 5,057,000 | $ 240,000 | $ 75,000 |
| Will County Illinois | 21 | $ 3,279,000 | $ 156,000 | $ 67,000 |
| Pima County Arizona | 20 | $ 3,063,000 | $ 153,000 | $ 36,000 |
| Fresno County California | 20 | $ 2,768,000 | $ 138,000 | $ 79,000 |
| Dallas County Texas | 20 | $ 3,800,000 | $ 190,000 | $ 62,000 |
| Wasatch County Utah | 20 | $ 3,607,000 | $ 180,000 | $ 62,000 |
| San Benito County California | 19 | $ 5,292,000 | $ 278,000 | $ 58,000 |
| San Luis Obispo County California | 19 | $ 4,911,000 | $ 258,000 | $ 90,000 |
| Harris County Texas | 18 | $ 3,521,000 | $ 195,000 | $ 94,000 |
| Prince William County Virginia | 18 | $ 3,928,000 | $ 218,000 | $ 99,000 |
| Marin County California | 17 | $ 6,268,000 | $ 368,000 | $ 91,000 |
| Santa Cruz County California | 17 | $ 5,831,000 | $ 343,000 | $ 118,000 |
| Boulder County Colorado | 17 | $ 3,747,000 | $ 220,000 | $ 89,000 |
| Douglas County Colorado | 17 | $ 3,409,000 | $ 200,000 | $ 52,000 |
| Manatee County Florida | 17 | $ 3,762,000 | $ 221,000 | $ 79,000 |
| Monroe County Florida | 17 | $ 5,252,000 | $ 308,000 | $ 97,000 |
| DuPage County Illinois | 17 | $ 3,806,000 | $ 223,000 | $ 91,000 |
| Clackamas County Oregon | 17 | $ 4,388,000 | $ 258,000 | $ 89,000 |
| Weber County Utah | 17 | $ 3,208,000 | $ 188,000 | $ 66,000 |
| Virginia Beach County Virginia | 16 | $ 2,220,000 | $ 138,000 | $ 31,000 |
| Yavapai County Arizona | 15 | $ 3,060,000 | $ 204,000 | $ 69,000 |
| Pasco County Florida | 15 | $ 1,999,000 | $ 133,000 | $ 56,000 |
| Kane County Illinois | 15 | $ 2,351,000 | $ 156,000 | $ 78,000 |
| Dakota County Minnesota | 15 | $ 3,743,000 | $ 249,000 | $ 86,000 |
| Baltimore County Maryland | 14 | $ 2,427,000 | $ 173,000 | $ 75,000 |
| Ramsey County Minnesota | 14 | $ 2,680,000 | $ 191,000 | $ 53,000 |
| Delaware County Ohio | 14 | $ 4,089,000 | $ 292,000 | $ 96,000 |
| Tarrant County Texas | 14 | $ 2,628,000 | $ 187,000 | $ 61,000 |
| Travis County Texas | 14 | $ 2,875,000 | $ 205,000 | $ 79,000 |
| Collier County Florida | 13 | $ 2,165,000 | $ 166,000 | $ 80,000 |
| Anne Arundel County Maryland | 13 | $ 3,661,000 | $ 281,000 | $ 70,000 |
| Washtenaw County Michigan | 13 | $ 1,755,000 | $ 135,000 | $ 60,000 |
| Lane County Oregon | 13 | $ 1,802,000 | $ 138,000 | $ 62,000 |
| Lake County California | 12 | $ 1,912,000 | $ 159,000 | $ 71,000 |
| Nevada County California | 12 | $ 2,887,000 | $ 240,000 | $ 122,000 |
| Anoka County Minnesota | 12 | $ 2,410,000 | $ 200,000 | $ 23,000 |
| Greenville County South Carolina | 12 | $ 2,842,000 | $ 236,000 | $ 140,000 |
| Shasta County California | 11 | $ 1,906,000 | $ 173,000 | $ 37,000 |
| Marion County Indiana | 11 | $ 1,980,000 | $ 180,000 | $ 101,000 |
| Lake County Ohio | 11 | $ 1,559,000 | $ 141,000 | $ 37,000 |
| Pinal County Arizona | 10 | $ 1,231,000 | $ 123,000 | $ 33,000 |
| New Haven County Connecticut | 10 | $ 3,072,000 | $ 307,000 | $ 90,000 |
| Seminole County Florida | 10 | $ 1,759,000 | $ 175,000 | $ 48,000 |
| Scott County Minnesota | 10 | $ 2,068,000 | $ 206,000 | $ 83,000 |
| Summit County Ohio | 10 | $ 1,728,000 | $ 172,000 | $ 83,000 |
| Summit County Utah | 10 | $ 1,875,000 | $ 187,000 | $ 71,000 |
| Coconino County Arizona | 9 | $ 1,707,000 | $ 189,000 | $ 44,000 |
| Merced County California | 9 | $ 1,399,000 | $ 155,000 | $ 53,000 |
| Howard County Maryland | 9 | $ 1,860,000 | $ 206,000 | $ 113,000 |
| Washoe County Nevada | 9 | $ 1,765,000 | $ 196,000 | $ 51,000 |
| Butler County Ohio | 9 | $ 1,230,000 | $ 136,000 | $ 92,000 |
| Clermont County Ohio | 9 | $ 1,127,000 | $ 125,000 | $ 59,000 |
| Medina County Ohio | 9 | $ 1,711,000 | $ 190,000 | $ 67,000 |
| Washington County Oregon | 9 | $ 944,000 | $ 104,000 | $ 50,000 |
| Berkeley County South Carolina | 9 | $ 2,431,000 | $ 270,000 | $ 90,000 |
| Charleston County South Carolina | 9 | $ 1,999,000 | $ 222,000 | $ 58,000 |
| Chesapeake County Virginia | 9 | $ 1,516,000 | $ 168,000 | $ 44,000 |
| Brevard County Florida | 8 | $ 1,751,000 | $ 218,000 | $ 78,000 |
| Charlotte County Florida | 8 | $ 1,163,000 | $ 145,000 | $ 100,000 |
| Charles County Maryland | 8 | $ 1,264,000 | $ 158,000 | $ 61,000 |
| Mecklenburg County North Carolina | 8 | $ 980,000 | $ 122,000 | $ 79,000 |
| Collin County Texas | 8 | $ 1,548,000 | $ 193,000 | $ 101,000 |
| Kitsap County Washington | 8 | $ 1,203,000 | $ 150,000 | $ 117,000 |
| Yolo County California | 7 | $ 1,384,000 | $ 197,000 | $ 48,000 |
| Larimer County Colorado | 7 | $ 1,121,000 | $ 160,000 | $ 99,000 |
| Fairfield County Connecticut | 7 | $ 2,156,000 | $ 308,000 | $ 60,000 |
| Martin County Florida | 7 | $ 887,000 | $ 126,000 | $ 26,000 |
| Osceola County Florida | 7 | $ 571,000 | $ 81,000 | $ 71,000 |
| Volusia County Florida | 7 | $ 872,000 | $ 124,000 | $ 35,000 |
| Hinds County Mississippi | 7 | $ 652,000 | $ 93,000 | $ 44,000 |
| Lorain County Ohio | 7 | $ 904,000 | $ 129,000 | $ 37,000 |
| Montgomery County Ohio | 7 | $ 1,118,000 | $ 159,000 | $ 36,000 |
| Warren County Ohio | 7 | $ 1,125,000 | $ 160,000 | $ 89,000 |
| Williamson County Texas | 7 | $ 1,316,000 | $ 188,000 | $ 54,000 |
| Thurston County Washington | 7 | $ 1,142,000 | $ 163,000 | $ 78,000 |
| Hernando County Florida | 6 | $ 563,000 | $ 93,000 | $ 55,000 |
| St. Lucie County Florida | 6 | $ 671,000 | $ 111,000 | $ 38,000 |
| Ada County Idaho | 6 | $ 1,144,000 | $ 190,000 | $ 85,000 |
| Lake County Illinois | 6 | $ 1,093,000 | $ 182,000 | $ 38,000 |
| Baltimore City County Maryland | 6 | $ 533,000 | $ 88,000 | $ 82,000 |
| Dare County North Carolina | 6 | $ 1,809,000 | $ 301,000 | $ 97,000 |
| Fairfield County Ohio | 6 | $ 1,291,000 | $ 215,000 | $ 52,000 |
| Tulsa County Oklahoma | 6 | $ 1,335,000 | $ 222,000 | $ 33,000 |
| Sevier County Tennessee | 6 | $ 1,118,000 | $ 186,000 | $ 47,000 |
| Spokane County Washington | 6 | $ 623,000 | $ 103,000 | $ 83,000 |
| Vilas County Wisconsin | 6 | $ 934,000 | $ 155,000 | $ 129,000 |
| Mono County California | 5 | $ 1,565,000 | $ 313,000 | $ 85,000 |
| McHenry County Illinois | 5 | $ 819,000 | $ 163,000 | $ 55,000 |
| Washington County Minnesota | 5 | $ 1,448,000 | $ 289,000 | $ 19,000 |
| Wright County Minnesota | 5 | $ 848,000 | $ 169,000 | $ 46,000 |
| Santa Fe County New Mexico | 5 | $ 1,652,000 | $ 330,000 | $ 150,000 |
| Oklahoma County Oklahoma | 5 | $ 1,187,000 | $ 237,000 | $ 291,000 |
| Jackson County Oregon | 5 | $ 1,073,000 | $ 214,000 | $ 50,000 |
| Bexar County Texas | 5 | $ 691,000 | $ 138,000 | $ 47,000 |
| Fort Bend County Texas | 5 | $ 766,000 | $ 153,000 | $ 62,000 |
| Arlington County Virginia | 5 | $ 1,271,000 | $ 254,000 | $ 9,000 |
| Clark County Washington | 5 | $ 816,000 | $ 163,000 | $ 71,000 |
| Whatcom County Washington | 5 | $ 666,000 | $ 133,000 | $ 33,000 |
| Butte County California | 4 | $ 1,042,000 | $ 260,000 | $ 54,000 |
| Tuolumne County California | 4 | $ 474,000 | $ 118,000 | $ 95,000 |
| Yuba County California | 4 | $ 660,000 | $ 165,000 | $ 94,000 |
| Garfield County Colorado | 4 | $ 1,127,000 | $ 281,000 | $ 40,000 |
| Weld County Colorado | 4 | $ 835,000 | $ 208,000 | $ 0 |
| Lake County Florida | 4 | $ 489,000 | $ 122,000 | $ 38,000 |
| Polk County Florida | 4 | $ 598,000 | $ 149,000 | $ 61,000 |
| Hawaii County Hawaii | 4 | $ 765,000 | $ 191,000 | $ 54,000 |
| Carroll County Maryland | 4 | $ 694,000 | $ 173,000 | $ 90,000 |
| Frederick County Maryland | 4 | $ 1,200,000 | $ 300,000 | $ 66,000 |
| Wayne County Michigan | 4 | $ 477,000 | $ 119,000 | $ 26,000 |
| Carver County Minnesota | 4 | $ 1,074,000 | $ 268,000 | $ 75,000 |
| Sherburne County Minnesota | 4 | $ 545,000 | $ 136,000 | $ 22,000 |
| Buncombe County North Carolina | 4 | $ 702,000 | $ 175,000 | $ 85,000 |
| Geauga County Ohio | 4 | $ 699,000 | $ 174,000 | $ 48,000 |
| Miami County Ohio | 4 | $ 329,000 | $ 82,000 | $ 86,000 |
| Stark County Ohio | 4 | $ 480,000 | $ 120,000 | $ 42,000 |
| Anderson County South Carolina | 4 | $ 546,000 | $ 136,000 | $ 114,000 |
| Georgetown County South Carolina | 4 | $ 436,000 | $ 109,000 | $ 0 |
| Horry County South Carolina | 4 | $ 1,421,000 | $ 355,000 | $ 305,000 |
| Lexington County South Carolina | 4 | $ 1,312,000 | $ 328,000 | $ 120,000 |
| Cameron County Texas | 4 | $ 772,000 | $ 193,000 | $ 180,000 |
| Denton County Texas | 4 | $ 802,000 | $ 200,000 | $ 0 |
| Cache County Utah | 4 | $ 389,000 | $ 97,000 | $ 21,000 |
| Chesterfield County Virginia | 4 | $ 413,000 | $ 103,000 | $ 18,000 |
| Henrico County Virginia | 4 | $ 939,000 | $ 234,000 | $ 125,000 |
| Norfolk County Virginia | 4 | $ 571,000 | $ 142,000 | $ 54,000 |
| Richmond City County Virginia | 4 | $ 476,000 | $ 119,000 | $ 67,000 |
| Stafford County Virginia | 4 | $ 1,186,000 | $ 296,000 | $ 66,000 |
| Dane County Wisconsin | 4 | $ 432,000 | $ 108,000 | $ 19,000 |
| Imperial County California | 3 | $ 562,000 | $ 187,000 | $ 19,000 |
| Siskiyou County California | 3 | $ 628,000 | $ 209,000 | $ 22,000 |
| Clear Creek County Colorado | 3 | $ 499,000 | $ 166,000 | $ 79,000 |
| Mesa County Colorado | 3 | $ 592,000 | $ 197,000 | $ 79,000 |
| Pitkin County Colorado | 3 | $ 657,000 | $ 219,000 | $ 34,000 |
| Hartford County Connecticut | 3 | $ 386,000 | $ 128,000 | $ 74,000 |
| Duval County Florida | 3 | $ 435,000 | $ 145,000 | $ 77,000 |
| St. Johns County Florida | 3 | $ 1,238,000 | $ 412,000 | $ 239,000 |
| Blaine County Idaho | 3 | $ 1,380,000 | $ 460,000 | $ 96,000 |
| Madison County Illinois | 3 | $ 589,000 | $ 196,000 | $ 24,000 |
| Hamilton County Indiana | 3 | $ 1,421,000 | $ 473,000 | $ 174,000 |
| Queen Anne's County Maryland | 3 | $ 1,961,000 | $ 653,000 | $ 180,000 |
| Worcester County Maryland | 3 | $ 331,000 | $ 110,000 | $ 60,000 |
| Suffolk County Massachusetts | 3 | $ 1,807,000 | $ 602,000 | $ 174,000 |
| Oakland County Michigan | 3 | $ 512,000 | $ 170,000 | $ 190,000 |
| DeSoto County Mississippi | 3 | $ 370,000 | $ 123,000 | $ 36,000 |
| Carson City County Nevada | 3 | $ 406,000 | $ 135,000 | $ 20,000 |
| Sandoval County New Mexico | 3 | $ 448,000 | $ 149,000 | $ 75,000 |
| Wake County North Carolina | 3 | $ 968,000 | $ 322,000 | $ 56,000 |
| Allen County Ohio | 3 | $ 372,000 | $ 124,000 | $ 32,000 |
| Ashtabula County Ohio | 3 | $ 249,000 | $ 83,000 | $ 4,000 |
| Kent County Rhode Island | 3 | $ 369,000 | $ 123,000 | $ 101,000 |
| Providence County Rhode Island | 3 | $ 497,000 | $ 165,000 | $ 30,000 |
| Richland County South Carolina | 3 | $ 612,000 | $ 204,000 | $ 0 |
| Davidson County Tennessee | 3 | $ 1,028,000 | $ 342,000 | $ 167,000 |
| Tipton County Tennessee | 3 | $ 361,000 | $ 120,000 | $ 90,000 |
| Hidalgo County Texas | 3 | $ 463,000 | $ 154,000 | $ 24,000 |
| Washington County Utah | 3 | $ 1,086,000 | $ 362,000 | $ 83,000 |
| Fauquier County Virginia | 3 | $ 409,000 | $ 136,000 | $ 48,000 |
| Natrona County Wyoming | 3 | $ 298,000 | $ 99,000 | $ 0 |
| Crawford County Arkansas | 2 | $ 235,000 | $ 117,000 | $ 51,000 |
| Sebastian County Arkansas | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Humboldt County California | 2 | $ 410,000 | $ 205,000 | $ 88,000 |
| Madera County California | 2 | $ 323,000 | $ 161,000 | $ 0 |
| Mendocino County California | 2 | $ 415,000 | $ 207,000 | $ 25,000 |
| Sutter County California | 2 | $ 288,000 | $ 144,000 | $ 11,000 |
| Pueblo County Colorado | 2 | $ 294,000 | $ 147,000 | $ 28,000 |
| Teller County Colorado | 2 | $ 303,000 | $ 151,000 | $ 54,000 |
| Citrus County Florida | 2 | $ 228,000 | $ 114,000 | $ 60,000 |
| Franklin County Florida | 2 | $ 1,010,000 | $ 505,000 | $ 270,000 |
| Nassau County Florida | 2 | $ 974,000 | $ 487,000 | $ 90,000 |
| Kauai County Hawaii | 2 | $ 827,000 | $ 413,000 | $ 69,000 |
| DeKalb County Illinois | 2 | $ 196,000 | $ 98,000 | $ 75,000 |
| Kankakee County Illinois | 2 | $ 115,000 | $ 57,000 | $ 108,000 |
| Clark County Indiana | 2 | $ 306,000 | $ 153,000 | $ 73,000 |
| Linn County Iowa | 2 | $ 276,000 | $ 138,000 | $ 46,000 |
| Madison County Kentucky | 2 | $ 122,000 | $ 61,000 | $ 38,000 |
| Ingham County Michigan | 2 | $ 266,000 | $ 133,000 | $ 0 |
| Chisago County Minnesota | 2 | $ 427,000 | $ 213,000 | $ 8,000 |
| Crow Wing County Minnesota | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Jackson County Mississippi | 2 | $ 263,000 | $ 131,000 | $ 48,000 |
| Camden County Missouri | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Lancaster County Nebraska | 2 | $ 432,000 | $ 216,000 | $ 246,000 |
| Douglas County Nevada | 2 | $ 257,000 | $ 128,000 | $ 0 |
| Hillsborough County New Hampshire | 2 | $ 550,000 | $ 275,000 | $ 79,000 |
| Merrimack County New Hampshire | 2 | $ 516,000 | $ 258,000 | $ 37,000 |
| Bernalillo County New Mexico | 2 | $ 820,000 | $ 410,000 | $ 131,000 |
| San Juan County New Mexico | 2 | $ 591,000 | $ 295,000 | $ 168,000 |
| Brunswick County North Carolina | 2 | $ 955,000 | $ 477,000 | $ 261,000 |
| Cumberland County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 48,000 |
| Durham County North Carolina | 2 | $ 1,112,000 | $ 556,000 | $ 180,000 |
| Forsyth County North Carolina | 2 | $ 318,000 | $ 159,000 | $ 144,000 |
| Haywood County North Carolina | 2 | $ 402,000 | $ 201,000 | $ 0 |
| Henderson County North Carolina | 2 | $ 685,000 | $ 342,000 | $ 40,000 |
| Union County North Carolina | 2 | $ 700,000 | $ 350,000 | $ 120,000 |
| Greene County Ohio | 2 | $ 572,000 | $ 286,000 | $ 186,000 |
| Portage County Ohio | 2 | $ 367,000 | $ 183,000 | $ 93,000 |
| Trumbull County Ohio | 2 | $ 206,000 | $ 103,000 | $ 38,000 |
| Union County Ohio | 2 | $ 800,000 | $ 400,000 | $ 228,000 |
| Canadian County Oklahoma | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Benton County Oregon | 2 | $ 232,000 | $ 116,000 | $ 108,000 |
| Marion County Oregon | 2 | $ 233,000 | $ 116,000 | $ 26,000 |
| Tillamook County Oregon | 2 | $ 522,000 | $ 261,000 | $ 35,000 |
| York County South Carolina | 2 | $ 153,000 | $ 76,000 | $ 40,000 |
| Knox County Tennessee | 2 | $ 275,000 | $ 137,000 | $ 0 |
| Sumner County Tennessee | 2 | $ 323,000 | $ 161,000 | $ 77,000 |
| Johnson County Texas | 2 | $ 200,000 | $ 100,000 | $ 120,000 |
| Montgomery County Texas | 2 | $ 346,000 | $ 173,000 | $ 116,000 |
| Box Elder County Utah | 2 | $ 140,000 | $ 70,000 | $ 91,000 |
| Rich County Utah | 2 | $ 329,000 | $ 164,000 | $ 0 |
| Tooele County Utah | 2 | $ 287,000 | $ 143,000 | $ 100,000 |
| Washington County Vermont | 2 | $ 263,000 | $ 131,000 | $ 93,000 |
| Hampton County Virginia | 2 | $ 175,000 | $ 87,000 | $ 0 |
| Montgomery County Virginia | 2 | $ 179,000 | $ 89,000 | $ 75,000 |
| New Kent County Virginia | 2 | $ 211,000 | $ 105,000 | $ 24,000 |
| Benton County Washington | 2 | $ 700,000 | $ 350,000 | $ 144,000 |
| Yakima County Washington | 2 | $ 375,000 | $ 187,000 | $ 60,000 |
| Brown County Wisconsin | 2 | $ 356,000 | $ 178,000 | $ 49,000 |
| Walworth County Wisconsin | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Sweetwater County Wyoming | 2 | $ 406,000 | $ 203,000 | $ 0 |
| Apache County Arizona | 1 | $ 230,000 | $ 230,000 | $ 179,000 |
| Gila County Arizona | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Mohave County Arizona | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Jefferson County Arkansas | 1 | $ 77,000 | $ 77,000 | $ 60,000 |
| Mississippi County Arkansas | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Saline County Arkansas | 1 | $ 80,000 | $ 80,000 | $ 314,000 |
| Amador County California | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Del Norte County California | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Inyo County California | 1 | $ 266,000 | $ 266,000 | $ 73,000 |
| Mariposa County California | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Plumas County California | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Alamosa County Colorado | 1 | $ 356,000 | $ 356,000 | $ 104,000 |
| Eagle County Colorado | 1 | $ 406,000 | $ 406,000 | $ 120,000 |
| Elbert County Colorado | 1 | $ 239,000 | $ 239,000 | $ 64,000 |
| Grand County Colorado | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Montrose County Colorado | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Saguache County Colorado | 1 | $ 99,000 | $ 99,000 | $ 192,000 |
| San Miguel County Colorado | 1 | $ 221,000 | $ 221,000 | $ 48,000 |
| Litchfield County Connecticut | 1 | $ 475,000 | $ 475,000 | $ 0 |
| New Castle County Delaware | 1 | $ 310,000 | $ 310,000 | $ 30,000 |
| Sussex County Delaware | 1 | $ 535,000 | $ 535,000 | $ 297,000 |
| District of Columbia County District Of Columbia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Bay County Florida | 1 | $ 214,000 | $ 214,000 | $ 120,000 |
| Clay County Florida | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Indian River County Florida | 1 | $ 160,000 | $ 160,000 | $ 145,000 |
| Leon County Florida | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Marion County Florida | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Bear Lake County Idaho | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| Oneida County Idaho | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Iroquois County Illinois | 1 | $ 146,000 | $ 146,000 | $ 80,000 |
| Kendall County Illinois | 1 | $ 224,000 | $ 224,000 | $ 0 |
| LaSalle County Illinois | 1 | $ 73,000 | $ 73,000 | $ 120,000 |
| Tazewell County Illinois | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Woodford County Illinois | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Allen County Indiana | 1 | $ 75,000 | $ 75,000 | $ 17,000 |
| Floyd County Indiana | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Hancock County Indiana | 1 | $ 613,000 | $ 613,000 | $ 0 |
| Hendricks County Indiana | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Kosciusko County Indiana | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Madison County Indiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Morgan County Indiana | 1 | $ 450,000 | $ 450,000 | $ 198,000 |
| Noble County Indiana | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| St. Joseph County Indiana | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Dickinson County Iowa | 1 | $ 152,000 | $ 152,000 | $ 58,000 |
| Johnson County Iowa | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Madison County Iowa | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Scott County Iowa | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Johnson County Kansas | 1 | $ 347,000 | $ 347,000 | $ 144,000 |
| Miami County Kansas | 1 | $ 144,000 | $ 144,000 | $ 60,000 |
| Shawnee County Kansas | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Boone County Kentucky | 1 | $ 277,000 | $ 277,000 | $ 108,000 |
| Fayette County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Kenton County Kentucky | 1 | $ 112,000 | $ 112,000 | $ 58,000 |
| Calvert County Maryland | 1 | $ 637,000 | $ 637,000 | $ 234,000 |
| Harford County Maryland | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| St. Mary's County Maryland | 1 | $ 107,000 | $ 107,000 | $ 64,000 |
| Hampden County Massachusetts | 1 | $ 126,000 | $ 126,000 | $ 66,000 |
| Middlesex County Massachusetts | 1 | $ 480,000 | $ 480,000 | $ 118,000 |
| Worcester County Massachusetts | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Branch County Michigan | 1 | $ 138,000 | $ 138,000 | $ 11,000 |
| Goodhue County Minnesota | 1 | $ 99,000 | $ 99,000 | $ 98,000 |
| Pine County Minnesota | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Adams County Mississippi | 1 | $ 78,000 | $ 78,000 | $ 105,000 |
| Rankin County Mississippi | 1 | $ 134,000 | $ 134,000 | $ 84,000 |
| Tate County Mississippi | 1 | $ 134,000 | $ 134,000 | $ 52,000 |
| Tippah County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Jackson County Missouri | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Gallatin County Montana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Missoula County Montana | 1 | $ 198,000 | $ 198,000 | $ 162,000 |
| Sweet Grass County Montana | 1 | $ 208,000 | $ 208,000 | $ 18,000 |
| Douglas County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Lyon County Nevada | 1 | $ 126,000 | $ 126,000 | $ 156,000 |
| Nye County Nevada | 1 | $ 107,000 | $ 107,000 | $ 102,000 |
| White Pine County Nevada | 1 | $ 135,000 | $ 135,000 | $ 228,000 |
| Sullivan County New Hampshire | 1 | $ 147,000 | $ 147,000 | $ 50,000 |
| Burke County North Carolina | 1 | $ 149,000 | $ 149,000 | $ 113,000 |
| Chatham County North Carolina | 1 | $ 407,000 | $ 407,000 | $ 144,000 |
| Gaston County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 336,000 | $ 336,000 | $ 165,000 |
| Iredell County North Carolina | 1 | $ 158,000 | $ 158,000 | $ 114,000 |
| Stokes County North Carolina | 1 | $ 207,000 | $ 207,000 | $ 50,000 |
| Athens County Ohio | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Clark County Ohio | 1 | $ 270,000 | $ 270,000 | $ 60,000 |
| Clinton County Ohio | 1 | $ 143,000 | $ 143,000 | $ 96,000 |
| Fulton County Ohio | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Huron County Ohio | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Licking County Ohio | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Lucas County Ohio | 1 | $ 204,000 | $ 204,000 | $ 74,000 |
| Madison County Ohio | 1 | $ 112,000 | $ 112,000 | $ 55,000 |
| Marion County Ohio | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 341,000 | $ 341,000 | $ 180,000 |
| Pickaway County Ohio | 1 | $ 200,000 | $ 200,000 | $ 780,000 |
| Preble County Ohio | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Putnam County Ohio | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Williams County Ohio | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Wood County Ohio | 1 | $ 114,000 | $ 114,000 | $ 22,000 |
| Creek County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Deschutes County Oregon | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Josephine County Oregon | 1 | $ 250,000 | $ 250,000 | $ 192,000 |
| Klamath County Oregon | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Lincoln County Oregon | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Linn County Oregon | 1 | $ 91,000 | $ 91,000 | $ 39,000 |
| Florence County South Carolina | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Newberry County South Carolina | 1 | $ 169,000 | $ 169,000 | $ 96,000 |
| Orangeburg County South Carolina | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Hamblen County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 66,000 |
| Hamilton County Tennessee | 1 | $ 450,000 | $ 450,000 | $ 108,000 |
| Jefferson County Tennessee | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Sullivan County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 58,000 |
| Bell County Texas | 1 | $ 104,000 | $ 104,000 | $ 73,000 |
| El Paso County Texas | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Galveston County Texas | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Grayson County Texas | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Kendall County Texas | 1 | $ 680,000 | $ 680,000 | $ 0 |
| Parker County Texas | 1 | $ 189,000 | $ 189,000 | $ 105,000 |
| Potter County Texas | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Rockwall County Texas | 1 | $ 342,000 | $ 342,000 | $ 180,000 |
| Grand County Utah | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Morgan County Utah | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Sanpete County Utah | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Uintah County Utah | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Accomack County Virginia | 1 | $ 180,000 | $ 180,000 | $ 312,000 |
| Alexandria County Virginia | 1 | $ 270,000 | $ 270,000 | $ 72,000 |
| Cumberland County Virginia | 1 | $ 151,000 | $ 151,000 | $ 65,000 |
| Fairfax City County Virginia | 1 | $ 80,000 | $ 80,000 | $ 73,000 |
| Gloucester County Virginia | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Isle of Wight County Virginia | 1 | $ 76,000 | $ 76,000 | $ 76,000 |
| King George County Virginia | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Newport News County Virginia | 1 | $ 187,000 | $ 187,000 | $ 49,000 |
| Portsmouth County Virginia | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Powhatan County Virginia | 1 | $ 218,000 | $ 218,000 | $ 52,000 |
| Prince George County Virginia | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Roanoke City County Virginia | 1 | $ 80,000 | $ 80,000 | $ 17,000 |
| Suffolk County Virginia | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Chelan County Washington | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Clallam County Washington | 1 | $ 143,000 | $ 143,000 | $ 32,000 |
| Douglas County Washington | 1 | $ 92,000 | $ 92,000 | $ 84,000 |
| Grant County Washington | 1 | $ 300,000 | $ 300,000 | $ 132,000 |
| Grays Harbor County Washington | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Lewis County Washington | 1 | $ 126,000 | $ 126,000 | $ 279,000 |
| Fond du Lac County Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 36,000 |
| Milwaukee County Wisconsin | 1 | $ 168,000 | $ 168,000 | $ 72,000 |
| Oneida County Wisconsin | 1 | $ 500,000 | $ 500,000 | $ 180,000 |
| Ozaukee County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| Winnebago County Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Express Capital Lending in 2003
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 (one-to-four family) | 4,651 | $1,006,224,000 | $169,459 | $1,000,000 | $64,027 | $1,860,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 3,624 | $899,197,000 | $227,948 | $1,080,000 | $81,282 | $1,273,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 4,082 | $976,353,000 | $199,351 | $1,080,000 | $79,054 | $1,536,000 |
| Hispanic | 1,520 | $312,122,000 | $162,173 | $1,000,000 | $46,565 | $665,000 |
| Information not provided by applicant in mail or telephone application | 1,177 | $277,368,000 | $210,322 | $1,000,000 | $68,870 | $1,273,000 |
| Asian or Pacific Islander | 767 | $200,610,000 | $199,750 | $1,000,000 | $58,250 | $1,860,000 |
| Black | 577 | $103,735,000 | $172,727 | $900,000 | $64,772 | $516,000 |
| Other | 130 | $30,147,000 | $230,058 | $730,000 | $74,411 | $552,000 |
| American Indian or Alaskan Native | 22 | $5,086,000 | $239,300 | $750,000 | $56,600 | $178,000 |
| 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) | 8,275 | $1,905,421,000 | $199,050 | $1,080,000 | $74,325 | $1,860,000 |
| 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 | 4,376 | $1,030,208,000 | $185,189 | $1,000,000 | $56,297 | $1,860,000 |
| Application Denied By Financial Institution | 1,932 | $419,527,000 | $209,250 | $1,080,000 | $82,361 | $1,536,000 |
| Application Approved But Not Accepted | 1,126 | $266,256,000 | $220,344 | $1,000,000 | $84,862 | $954,000 |
| Application Withdrawn By Applicant | 568 | $130,022,000 | $198,500 | $1,000,000 | $84,400 | $1,200,000 |
| File Closed For Incompleteness | 273 | $59,408,000 | $212,080 | $688,000 | $87,480 | $583,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Other | 789 | $170,174,000 | $209,766 | $1,080,000 | $74,833 | $1,536,000 |
| Credit History | 529 | $106,929,000 | $195,769 | $895,000 | $76,769 | $780,000 |
| Collateral | 313 | $77,905,000 | $241,500 | $1,000,000 | $98,500 | $1,273,000 |
| Credit Application Incomplete | 106 | $25,603,000 | $255,000 | $775,000 | $99,476 | $360,000 |
| Debt-To-Income Ratio | 69 | $13,954,000 | $198,500 | $875,000 | $55,083 | $384,000 |
| Employment History | 62 | $12,403,000 | $175,428 | $680,000 | $87,500 | $492,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 36 | $6,093,000 | $205,909 | $637,000 | $88,363 | $234,000 |
| Unverifiable Information | 28 | $6,466,000 | $251,000 | $1,000,000 | $78,272 | $336,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Express Capital Lending's 2003 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 Express Capital Lending'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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.