Express Capital Lending Mortgage Lending & HMDA Data, 2003
In 2003, Express Capital Lending of Costa Mesa, CA reported 8,275 mortgage applications totaling $1.9 billion. The average application was for $230,262, and applicants reported an average income of $76,209. 53% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Los Angeles-Long Beach, CA (1,065), San Diego, CA (820) and Orange County, CA (747) (applications in parentheses).
| 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 | $230,262 |
| Highest Mortgage Loan Application Amount | $1,080,000 |
| Average Applicant Income | $76,209 |
| Highest Applicant Income | $1,860,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Express Capital Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 1,069 | $ 255,891,000 | $ 239,374 | $ 84,000 |
| San Diego, California | 829 | $ 220,239,000 | $ 265,668 | $ 73,000 |
| Orange, California | 754 | $ 220,895,000 | $ 292,964 | $ 88,000 |
| Riverside, California | 390 | $ 75,821,000 | $ 194,412 | $ 65,000 |
| Santa Clara, California | 244 | $ 81,690,000 | $ 334,795 | $ 106,000 |
| Maricopa, Arizona | 211 | $ 34,112,000 | $ 161,668 | $ 64,000 |
| Alameda, California | 194 | $ 58,231,000 | $ 300,159 | $ 91,000 |
| Cook, Illinois | 177 | $ 35,618,000 | $ 201,231 | $ 74,000 |
| San Bernardino, California | 165 | $ 28,250,000 | $ 171,212 | $ 65,000 |
| Broward, Florida | 162 | $ 29,768,000 | $ 183,753 | $ 87,000 |
| Miami-Dade, Florida | 151 | $ 26,980,000 | $ 178,675 | $ 80,000 |
| Contra Costa, California | 142 | $ 37,112,000 | $ 261,352 | $ 85,000 |
| San Mateo, California | 131 | $ 44,650,000 | $ 340,839 | $ 84,000 |
| Ventura, California | 131 | $ 36,709,000 | $ 280,221 | $ 72,000 |
| Sacramento, California | 123 | $ 22,668,000 | $ 184,292 | $ 70,000 |
| King, Washington | 122 | $ 24,693,000 | $ 202,401 | $ 81,000 |
| Sonoma, California | 104 | $ 31,889,000 | $ 306,625 | $ 110,000 |
| Salt Lake, Utah | 104 | $ 18,183,000 | $ 174,836 | $ 59,000 |
| Clark, Nevada | 101 | $ 16,313,000 | $ 161,514 | $ 68,000 |
| San Joaquin, California | 83 | $ 15,041,000 | $ 181,216 | $ 64,000 |
| Palm Beach, Florida | 82 | $ 15,353,000 | $ 187,231 | $ 125,000 |
| Monterey, California | 71 | $ 18,328,000 | $ 258,140 | $ 71,000 |
| Hennepin, Minnesota | 71 | $ 12,058,000 | $ 169,830 | $ 44,000 |
| Arapahoe, Colorado | 64 | $ 12,410,000 | $ 193,906 | $ 70,000 |
| San Francisco, California | 52 | $ 20,683,000 | $ 397,750 | $ 115,000 |
| Montgomery, Maryland | 52 | $ 12,119,000 | $ 233,057 | $ 62,000 |
| Fairfax, Virginia | 52 | $ 12,548,000 | $ 241,307 | $ 50,000 |
| Solano, California | 51 | $ 12,267,000 | $ 240,529 | $ 88,000 |
| Prince George's, Maryland | 51 | $ 8,913,000 | $ 174,764 | $ 65,000 |
| Hillsborough, Florida | 47 | $ 6,338,000 | $ 134,851 | $ 52,000 |
| Denver, Colorado | 46 | $ 8,328,000 | $ 181,043 | $ 63,000 |
| Lee, Florida | 46 | $ 8,428,000 | $ 183,217 | $ 85,000 |
| Sarasota, Florida | 41 | $ 9,148,000 | $ 223,121 | $ 64,000 |
| Maui, Hawaii | 39 | $ 12,234,000 | $ 313,692 | $ 88,000 |
| Multnomah, Oregon | 39 | $ 6,686,000 | $ 171,435 | $ 84,000 |
| Cuyahoga, Ohio | 38 | $ 6,453,000 | $ 169,815 | $ 51,000 |
| Napa, California | 36 | $ 10,825,000 | $ 300,694 | $ 62,000 |
| Snohomish, Washington | 36 | $ 6,115,000 | $ 169,861 | $ 68,000 |
| Pinellas, Florida | 33 | $ 6,939,000 | $ 210,272 | $ 73,000 |
| Davis, Utah | 33 | $ 5,140,000 | $ 155,757 | $ 40,000 |
| Shelby, Tennessee | 32 | $ 5,484,000 | $ 171,375 | $ 67,000 |
| Utah, Utah | 32 | $ 6,207,000 | $ 193,968 | $ 67,000 |
| Placer, California | 29 | $ 6,461,000 | $ 222,793 | $ 100,000 |
| Hamilton, Ohio | 28 | $ 5,107,000 | $ 182,392 | $ 58,000 |
| Stanislaus, California | 26 | $ 4,243,000 | $ 163,192 | $ 63,000 |
| Pierce, Washington | 26 | $ 5,160,000 | $ 198,461 | $ 108,000 |
| Kern, California | 25 | $ 3,730,000 | $ 149,200 | $ 71,000 |
| El Paso, Colorado | 25 | $ 4,974,000 | $ 198,960 | $ 50,000 |
| Orange, Florida | 24 | $ 4,412,000 | $ 183,833 | $ 74,000 |
| Franklin, Ohio | 24 | $ 4,611,000 | $ 192,125 | $ 60,000 |
| Santa Barbara, California | 23 | $ 8,552,000 | $ 371,826 | $ 99,000 |
| Adams, Colorado | 23 | $ 3,216,000 | $ 139,826 | $ 36,000 |
| El Dorado, California | 22 | $ 6,616,000 | $ 300,727 | $ 114,000 |
| Jefferson, Colorado | 22 | $ 5,817,000 | $ 264,409 | $ 86,000 |
| Loudoun, Virginia | 22 | $ 4,314,000 | $ 196,090 | $ 100,000 |
| Honolulu, Hawaii | 21 | $ 5,057,000 | $ 240,809 | $ 75,000 |
| Will, Illinois | 21 | $ 3,279,000 | $ 156,142 | $ 67,000 |
| Pima, Arizona | 20 | $ 3,063,000 | $ 153,150 | $ 36,000 |
| Fresno, California | 20 | $ 2,768,000 | $ 138,400 | $ 79,000 |
| Dallas, Texas | 20 | $ 3,800,000 | $ 190,000 | $ 62,000 |
| Wasatch, Utah | 20 | $ 3,607,000 | $ 180,350 | $ 62,000 |
| San Benito, California | 19 | $ 5,292,000 | $ 278,526 | $ 58,000 |
| San Luis Obispo, California | 19 | $ 4,911,000 | $ 258,473 | $ 90,000 |
| Harris, Texas | 18 | $ 3,521,000 | $ 195,611 | $ 94,000 |
| Prince William, Virginia | 18 | $ 3,928,000 | $ 218,222 | $ 99,000 |
| Marin, California | 17 | $ 6,268,000 | $ 368,705 | $ 91,000 |
| Santa Cruz, California | 17 | $ 5,831,000 | $ 343,000 | $ 118,000 |
| Boulder, Colorado | 17 | $ 3,747,000 | $ 220,411 | $ 89,000 |
| Douglas, Colorado | 17 | $ 3,409,000 | $ 200,529 | $ 52,000 |
| Manatee, Florida | 17 | $ 3,762,000 | $ 221,294 | $ 79,000 |
| Monroe, Florida | 17 | $ 5,252,000 | $ 308,941 | $ 97,000 |
| DuPage, Illinois | 17 | $ 3,806,000 | $ 223,882 | $ 91,000 |
| Clackamas, Oregon | 17 | $ 4,388,000 | $ 258,117 | $ 89,000 |
| Weber, Utah | 17 | $ 3,208,000 | $ 188,705 | $ 66,000 |
| Virginia Beach, Virginia | 16 | $ 2,220,000 | $ 138,750 | $ 31,000 |
| Yavapai, Arizona | 15 | $ 3,060,000 | $ 204,000 | $ 69,000 |
| Pasco, Florida | 15 | $ 1,999,000 | $ 133,266 | $ 56,000 |
| Kane, Illinois | 15 | $ 2,351,000 | $ 156,733 | $ 78,000 |
| Dakota, Minnesota | 15 | $ 3,743,000 | $ 249,533 | $ 86,000 |
| Baltimore, Maryland | 14 | $ 2,427,000 | $ 173,357 | $ 75,000 |
| Ramsey, Minnesota | 14 | $ 2,680,000 | $ 191,428 | $ 53,000 |
| Delaware, Ohio | 14 | $ 4,089,000 | $ 292,071 | $ 96,000 |
| Tarrant, Texas | 14 | $ 2,628,000 | $ 187,714 | $ 61,000 |
| Travis, Texas | 14 | $ 2,875,000 | $ 205,357 | $ 79,000 |
| Collier, Florida | 13 | $ 2,165,000 | $ 166,538 | $ 80,000 |
| Anne Arundel, Maryland | 13 | $ 3,661,000 | $ 281,615 | $ 70,000 |
| Washtenaw, Michigan | 13 | $ 1,755,000 | $ 135,000 | $ 60,000 |
| Lane, Oregon | 13 | $ 1,802,000 | $ 138,615 | $ 62,000 |
| Lake, California | 12 | $ 1,912,000 | $ 159,333 | $ 71,000 |
| Nevada, California | 12 | $ 2,887,000 | $ 240,583 | $ 122,000 |
| Anoka, Minnesota | 12 | $ 2,410,000 | $ 200,833 | $ 23,000 |
| Greenville, South Carolina | 12 | $ 2,842,000 | $ 236,833 | $ 140,000 |
| Shasta, California | 11 | $ 1,906,000 | $ 173,272 | $ 37,000 |
| Marion, Indiana | 11 | $ 1,980,000 | $ 180,000 | $ 101,000 |
| Lake, Ohio | 11 | $ 1,559,000 | $ 141,727 | $ 37,000 |
| Pinal, Arizona | 10 | $ 1,231,000 | $ 123,100 | $ 33,000 |
| New Haven, Connecticut | 10 | $ 3,072,000 | $ 307,200 | $ 90,000 |
| Seminole, Florida | 10 | $ 1,759,000 | $ 175,900 | $ 48,000 |
| Scott, Minnesota | 10 | $ 2,068,000 | $ 206,800 | $ 83,000 |
| Summit, Ohio | 10 | $ 1,728,000 | $ 172,800 | $ 83,000 |
| Summit, Utah | 10 | $ 1,875,000 | $ 187,500 | $ 71,000 |
| Coconino, Arizona | 9 | $ 1,707,000 | $ 189,666 | $ 44,000 |
| Merced, California | 9 | $ 1,399,000 | $ 155,444 | $ 53,000 |
| Howard, Maryland | 9 | $ 1,860,000 | $ 206,666 | $ 113,000 |
| Washoe, Nevada | 9 | $ 1,765,000 | $ 196,111 | $ 51,000 |
| Butler, Ohio | 9 | $ 1,230,000 | $ 136,666 | $ 92,000 |
| Clermont, Ohio | 9 | $ 1,127,000 | $ 125,222 | $ 59,000 |
| Medina, Ohio | 9 | $ 1,711,000 | $ 190,111 | $ 67,000 |
| Washington, Oregon | 9 | $ 944,000 | $ 104,888 | $ 50,000 |
| Berkeley, South Carolina | 9 | $ 2,431,000 | $ 270,111 | $ 90,000 |
| Charleston, South Carolina | 9 | $ 1,999,000 | $ 222,111 | $ 58,000 |
| Chesapeake, Virginia | 9 | $ 1,516,000 | $ 168,444 | $ 44,000 |
| Brevard, Florida | 8 | $ 1,751,000 | $ 218,875 | $ 78,000 |
| Charlotte, Florida | 8 | $ 1,163,000 | $ 145,375 | $ 100,000 |
| Charles, Maryland | 8 | $ 1,264,000 | $ 158,000 | $ 61,000 |
| Mecklenburg, North Carolina | 8 | $ 980,000 | $ 122,500 | $ 79,000 |
| Collin, Texas | 8 | $ 1,548,000 | $ 193,500 | $ 101,000 |
| Kitsap, Washington | 8 | $ 1,203,000 | $ 150,375 | $ 117,000 |
| Yolo, California | 7 | $ 1,384,000 | $ 197,714 | $ 48,000 |
| Larimer, Colorado | 7 | $ 1,121,000 | $ 160,142 | $ 99,000 |
| Fairfield, Connecticut | 7 | $ 2,156,000 | $ 308,000 | $ 60,000 |
| Martin, Florida | 7 | $ 887,000 | $ 126,714 | $ 26,000 |
| Osceola, Florida | 7 | $ 571,000 | $ 81,571 | $ 71,000 |
| Volusia, Florida | 7 | $ 872,000 | $ 124,571 | $ 35,000 |
| Hinds, Mississippi | 7 | $ 652,000 | $ 93,142 | $ 44,000 |
| Lorain, Ohio | 7 | $ 904,000 | $ 129,142 | $ 37,000 |
| Montgomery, Ohio | 7 | $ 1,118,000 | $ 159,714 | $ 36,000 |
| Warren, Ohio | 7 | $ 1,125,000 | $ 160,714 | $ 89,000 |
| Williamson, Texas | 7 | $ 1,316,000 | $ 188,000 | $ 54,000 |
| Thurston, Washington | 7 | $ 1,142,000 | $ 163,142 | $ 78,000 |
| Hernando, Florida | 6 | $ 563,000 | $ 93,833 | $ 55,000 |
| St. Lucie, Florida | 6 | $ 671,000 | $ 111,833 | $ 38,000 |
| Ada, Idaho | 6 | $ 1,144,000 | $ 190,666 | $ 85,000 |
| Lake, Illinois | 6 | $ 1,093,000 | $ 182,166 | $ 38,000 |
| Baltimore City, Maryland | 6 | $ 533,000 | $ 88,833 | $ 82,000 |
| Dare, North Carolina | 6 | $ 1,809,000 | $ 301,500 | $ 97,000 |
| Fairfield, Ohio | 6 | $ 1,291,000 | $ 215,166 | $ 52,000 |
| Tulsa, Oklahoma | 6 | $ 1,335,000 | $ 222,500 | $ 33,000 |
| Sevier, Tennessee | 6 | $ 1,118,000 | $ 186,333 | $ 47,000 |
| Spokane, Washington | 6 | $ 623,000 | $ 103,833 | $ 83,000 |
| Vilas, Wisconsin | 6 | $ 934,000 | $ 155,666 | $ 129,000 |
| Mono, California | 5 | $ 1,565,000 | $ 313,000 | $ 85,000 |
| McHenry, Illinois | 5 | $ 819,000 | $ 163,800 | $ 55,000 |
| Washington, Minnesota | 5 | $ 1,448,000 | $ 289,600 | $ 19,000 |
| Wright, Minnesota | 5 | $ 848,000 | $ 169,600 | $ 46,000 |
| Santa Fe, New Mexico | 5 | $ 1,652,000 | $ 330,400 | $ 150,000 |
| Oklahoma, Oklahoma | 5 | $ 1,187,000 | $ 237,400 | $ 291,000 |
| Jackson, Oregon | 5 | $ 1,073,000 | $ 214,600 | $ 50,000 |
| Bexar, Texas | 5 | $ 691,000 | $ 138,200 | $ 47,000 |
| Fort Bend, Texas | 5 | $ 766,000 | $ 153,200 | $ 62,000 |
| Arlington, Virginia | 5 | $ 1,271,000 | $ 254,200 | $ 9,000 |
| Clark, Washington | 5 | $ 816,000 | $ 163,200 | $ 71,000 |
| Whatcom, Washington | 5 | $ 666,000 | $ 133,200 | $ 33,000 |
| Butte, California | 4 | $ 1,042,000 | $ 260,500 | $ 54,000 |
| Tuolumne, California | 4 | $ 474,000 | $ 118,500 | $ 95,000 |
| Yuba, California | 4 | $ 660,000 | $ 165,000 | $ 94,000 |
| Garfield, Colorado | 4 | $ 1,127,000 | $ 281,750 | $ 40,000 |
| Weld, Colorado | 4 | $ 835,000 | $ 208,750 | $ 0 |
| Lake, Florida | 4 | $ 489,000 | $ 122,250 | $ 38,000 |
| Polk, Florida | 4 | $ 598,000 | $ 149,500 | $ 61,000 |
| Hawaii, Hawaii | 4 | $ 765,000 | $ 191,250 | $ 54,000 |
| Carroll, Maryland | 4 | $ 694,000 | $ 173,500 | $ 90,000 |
| Frederick, Maryland | 4 | $ 1,200,000 | $ 300,000 | $ 66,000 |
| Wayne, Michigan | 4 | $ 477,000 | $ 119,250 | $ 26,000 |
| Carver, Minnesota | 4 | $ 1,074,000 | $ 268,500 | $ 75,000 |
| Sherburne, Minnesota | 4 | $ 545,000 | $ 136,250 | $ 22,000 |
| Buncombe, North Carolina | 4 | $ 702,000 | $ 175,500 | $ 85,000 |
| Geauga, Ohio | 4 | $ 699,000 | $ 174,750 | $ 48,000 |
| Miami, Ohio | 4 | $ 329,000 | $ 82,250 | $ 86,000 |
| Stark, Ohio | 4 | $ 480,000 | $ 120,000 | $ 42,000 |
| Anderson, South Carolina | 4 | $ 546,000 | $ 136,500 | $ 114,000 |
| Georgetown, South Carolina | 4 | $ 436,000 | $ 109,000 | $ 0 |
| Horry, South Carolina | 4 | $ 1,421,000 | $ 355,250 | $ 305,000 |
| Lexington, South Carolina | 4 | $ 1,312,000 | $ 328,000 | $ 120,000 |
| Cameron, Texas | 4 | $ 772,000 | $ 193,000 | $ 180,000 |
| Denton, Texas | 4 | $ 802,000 | $ 200,500 | $ 0 |
| Cache, Utah | 4 | $ 389,000 | $ 97,250 | $ 21,000 |
| Chesterfield, Virginia | 4 | $ 413,000 | $ 103,250 | $ 18,000 |
| Henrico, Virginia | 4 | $ 939,000 | $ 234,750 | $ 125,000 |
| Norfolk, Virginia | 4 | $ 571,000 | $ 142,750 | $ 54,000 |
| Richmond City, Virginia | 4 | $ 476,000 | $ 119,000 | $ 67,000 |
| Stafford, Virginia | 4 | $ 1,186,000 | $ 296,500 | $ 66,000 |
| Dane, Wisconsin | 4 | $ 432,000 | $ 108,000 | $ 19,000 |
| Imperial, California | 3 | $ 562,000 | $ 187,333 | $ 19,000 |
| Siskiyou, California | 3 | $ 628,000 | $ 209,333 | $ 22,000 |
| Clear Creek, Colorado | 3 | $ 499,000 | $ 166,333 | $ 79,000 |
| Mesa, Colorado | 3 | $ 592,000 | $ 197,333 | $ 79,000 |
| Pitkin, Colorado | 3 | $ 657,000 | $ 219,000 | $ 34,000 |
| Hartford, Connecticut | 3 | $ 386,000 | $ 128,666 | $ 74,000 |
| Duval, Florida | 3 | $ 435,000 | $ 145,000 | $ 77,000 |
| St. Johns, Florida | 3 | $ 1,238,000 | $ 412,666 | $ 239,000 |
| Blaine, Idaho | 3 | $ 1,380,000 | $ 460,000 | $ 96,000 |
| Madison, Illinois | 3 | $ 589,000 | $ 196,333 | $ 24,000 |
| Hamilton, Indiana | 3 | $ 1,421,000 | $ 473,666 | $ 174,000 |
| Queen Anne's, Maryland | 3 | $ 1,961,000 | $ 653,666 | $ 180,000 |
| Worcester, Maryland | 3 | $ 331,000 | $ 110,333 | $ 60,000 |
| Suffolk, Massachusetts | 3 | $ 1,807,000 | $ 602,333 | $ 174,000 |
| Oakland, Michigan | 3 | $ 512,000 | $ 170,666 | $ 190,000 |
| DeSoto, Mississippi | 3 | $ 370,000 | $ 123,333 | $ 36,000 |
| Carson City, Nevada | 3 | $ 406,000 | $ 135,333 | $ 20,000 |
| Sandoval, New Mexico | 3 | $ 448,000 | $ 149,333 | $ 75,000 |
| Wake, North Carolina | 3 | $ 968,000 | $ 322,666 | $ 56,000 |
| Allen, Ohio | 3 | $ 372,000 | $ 124,000 | $ 32,000 |
| Ashtabula, Ohio | 3 | $ 249,000 | $ 83,000 | $ 4,000 |
| Kent, Rhode Island | 3 | $ 369,000 | $ 123,000 | $ 101,000 |
| Providence, Rhode Island | 3 | $ 497,000 | $ 165,666 | $ 30,000 |
| Richland, South Carolina | 3 | $ 612,000 | $ 204,000 | $ 0 |
| Davidson, Tennessee | 3 | $ 1,028,000 | $ 342,666 | $ 167,000 |
| Tipton, Tennessee | 3 | $ 361,000 | $ 120,333 | $ 90,000 |
| Hidalgo, Texas | 3 | $ 463,000 | $ 154,333 | $ 24,000 |
| Washington, Utah | 3 | $ 1,086,000 | $ 362,000 | $ 83,000 |
| Fauquier, Virginia | 3 | $ 409,000 | $ 136,333 | $ 48,000 |
| Natrona, Wyoming | 3 | $ 298,000 | $ 99,333 | $ 0 |
| Crawford, Arkansas | 2 | $ 235,000 | $ 117,500 | $ 51,000 |
| Sebastian, Arkansas | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Humboldt, California | 2 | $ 410,000 | $ 205,000 | $ 88,000 |
| Madera, California | 2 | $ 323,000 | $ 161,500 | $ 0 |
| Mendocino, California | 2 | $ 415,000 | $ 207,500 | $ 25,000 |
| Sutter, California | 2 | $ 288,000 | $ 144,000 | $ 11,000 |
| Pueblo, Colorado | 2 | $ 294,000 | $ 147,000 | $ 28,000 |
| Teller, Colorado | 2 | $ 303,000 | $ 151,500 | $ 54,000 |
| Citrus, Florida | 2 | $ 228,000 | $ 114,000 | $ 60,000 |
| Franklin, Florida | 2 | $ 1,010,000 | $ 505,000 | $ 270,000 |
| Nassau, Florida | 2 | $ 974,000 | $ 487,000 | $ 90,000 |
| Kauai, Hawaii | 2 | $ 827,000 | $ 413,500 | $ 69,000 |
| DeKalb, Illinois | 2 | $ 196,000 | $ 98,000 | $ 75,000 |
| Kankakee, Illinois | 2 | $ 115,000 | $ 57,500 | $ 108,000 |
| Clark, Indiana | 2 | $ 306,000 | $ 153,000 | $ 73,000 |
| Linn, Iowa | 2 | $ 276,000 | $ 138,000 | $ 46,000 |
| Madison, Kentucky | 2 | $ 122,000 | $ 61,000 | $ 38,000 |
| Ingham, Michigan | 2 | $ 266,000 | $ 133,000 | $ 0 |
| Chisago, Minnesota | 2 | $ 427,000 | $ 213,500 | $ 8,000 |
| Crow Wing, Minnesota | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Jackson, Mississippi | 2 | $ 263,000 | $ 131,500 | $ 48,000 |
| Camden, Missouri | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Lancaster, Nebraska | 2 | $ 432,000 | $ 216,000 | $ 246,000 |
| Douglas, Nevada | 2 | $ 257,000 | $ 128,500 | $ 0 |
| Hillsborough, New Hampshire | 2 | $ 550,000 | $ 275,000 | $ 79,000 |
| Merrimack, New Hampshire | 2 | $ 516,000 | $ 258,000 | $ 37,000 |
| Bernalillo, New Mexico | 2 | $ 820,000 | $ 410,000 | $ 131,000 |
| San Juan, New Mexico | 2 | $ 591,000 | $ 295,500 | $ 168,000 |
| Brunswick, North Carolina | 2 | $ 955,000 | $ 477,500 | $ 261,000 |
| Cumberland, North Carolina | 2 | $ 170,000 | $ 85,000 | $ 48,000 |
| Durham, North Carolina | 2 | $ 1,112,000 | $ 556,000 | $ 180,000 |
| Forsyth, North Carolina | 2 | $ 318,000 | $ 159,000 | $ 144,000 |
| Haywood, North Carolina | 2 | $ 402,000 | $ 201,000 | $ 0 |
| Henderson, North Carolina | 2 | $ 685,000 | $ 342,500 | $ 40,000 |
| Union, North Carolina | 2 | $ 700,000 | $ 350,000 | $ 120,000 |
| Greene, Ohio | 2 | $ 572,000 | $ 286,000 | $ 186,000 |
| Portage, Ohio | 2 | $ 367,000 | $ 183,500 | $ 93,000 |
| Trumbull, Ohio | 2 | $ 206,000 | $ 103,000 | $ 38,000 |
| Union, Ohio | 2 | $ 800,000 | $ 400,000 | $ 228,000 |
| Canadian, Oklahoma | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Benton, Oregon | 2 | $ 232,000 | $ 116,000 | $ 108,000 |
| Marion, Oregon | 2 | $ 233,000 | $ 116,500 | $ 26,000 |
| Tillamook, Oregon | 2 | $ 522,000 | $ 261,000 | $ 35,000 |
| York, South Carolina | 2 | $ 153,000 | $ 76,500 | $ 40,000 |
| Knox, Tennessee | 2 | $ 275,000 | $ 137,500 | $ 0 |
| Sumner, Tennessee | 2 | $ 323,000 | $ 161,500 | $ 77,000 |
| Johnson, Texas | 2 | $ 200,000 | $ 100,000 | $ 120,000 |
| Montgomery, Texas | 2 | $ 346,000 | $ 173,000 | $ 116,000 |
| Box Elder, Utah | 2 | $ 140,000 | $ 70,000 | $ 91,000 |
| Rich, Utah | 2 | $ 329,000 | $ 164,500 | $ 0 |
| Tooele, Utah | 2 | $ 287,000 | $ 143,500 | $ 100,000 |
| Washington, Vermont | 2 | $ 263,000 | $ 131,500 | $ 93,000 |
| Hampton, Virginia | 2 | $ 175,000 | $ 87,500 | $ 0 |
| Montgomery, Virginia | 2 | $ 179,000 | $ 89,500 | $ 75,000 |
| New Kent, Virginia | 2 | $ 211,000 | $ 105,500 | $ 24,000 |
| Benton, Washington | 2 | $ 700,000 | $ 350,000 | $ 144,000 |
| Yakima, Washington | 2 | $ 375,000 | $ 187,500 | $ 60,000 |
| Brown, Wisconsin | 2 | $ 356,000 | $ 178,000 | $ 49,000 |
| Walworth, Wisconsin | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Sweetwater, Wyoming | 2 | $ 406,000 | $ 203,000 | $ 0 |
| Apache, Arizona | 1 | $ 230,000 | $ 230,000 | $ 179,000 |
| Gila, Arizona | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Mohave, Arizona | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Jefferson, Arkansas | 1 | $ 77,000 | $ 77,000 | $ 60,000 |
| Mississippi, Arkansas | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Pulaski, Arkansas | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Saline, Arkansas | 1 | $ 80,000 | $ 80,000 | $ 314,000 |
| Amador, California | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Del Norte, California | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Inyo, California | 1 | $ 266,000 | $ 266,000 | $ 73,000 |
| Mariposa, California | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Plumas, California | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Alamosa, Colorado | 1 | $ 356,000 | $ 356,000 | $ 104,000 |
| Eagle, Colorado | 1 | $ 406,000 | $ 406,000 | $ 120,000 |
| Elbert, Colorado | 1 | $ 239,000 | $ 239,000 | $ 64,000 |
| Grand, Colorado | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Montrose, Colorado | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Saguache, Colorado | 1 | $ 99,000 | $ 99,000 | $ 192,000 |
| San Miguel, Colorado | 1 | $ 221,000 | $ 221,000 | $ 48,000 |
| Litchfield, Connecticut | 1 | $ 475,000 | $ 475,000 | $ 0 |
| New Castle, Delaware | 1 | $ 310,000 | $ 310,000 | $ 30,000 |
| Sussex, Delaware | 1 | $ 535,000 | $ 535,000 | $ 297,000 |
| District of Columbia, District Of Columbia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Bay, Florida | 1 | $ 214,000 | $ 214,000 | $ 120,000 |
| Clay, Florida | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Indian River, Florida | 1 | $ 160,000 | $ 160,000 | $ 145,000 |
| Leon, Florida | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Marion, Florida | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Bear Lake, Idaho | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| Oneida, Idaho | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Iroquois, Illinois | 1 | $ 146,000 | $ 146,000 | $ 80,000 |
| Kendall, Illinois | 1 | $ 224,000 | $ 224,000 | $ 0 |
| LaSalle, Illinois | 1 | $ 73,000 | $ 73,000 | $ 120,000 |
| Tazewell, Illinois | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Woodford, Illinois | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Allen, Indiana | 1 | $ 75,000 | $ 75,000 | $ 17,000 |
| Floyd, Indiana | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Hancock, Indiana | 1 | $ 613,000 | $ 613,000 | $ 0 |
| Hendricks, Indiana | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Kosciusko, Indiana | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Madison, Indiana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Morgan, Indiana | 1 | $ 450,000 | $ 450,000 | $ 198,000 |
| Noble, Indiana | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| St. Joseph, Indiana | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Vanderburgh, Indiana | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Dickinson, Iowa | 1 | $ 152,000 | $ 152,000 | $ 58,000 |
| Johnson, Iowa | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Madison, Iowa | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Scott, Iowa | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Johnson, Kansas | 1 | $ 347,000 | $ 347,000 | $ 144,000 |
| Miami, Kansas | 1 | $ 144,000 | $ 144,000 | $ 60,000 |
| Shawnee, Kansas | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Boone, Kentucky | 1 | $ 277,000 | $ 277,000 | $ 108,000 |
| Fayette, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Kenton, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 58,000 |
| Calvert, Maryland | 1 | $ 637,000 | $ 637,000 | $ 234,000 |
| Harford, Maryland | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| St. Mary's, Maryland | 1 | $ 107,000 | $ 107,000 | $ 64,000 |
| Hampden, Massachusetts | 1 | $ 126,000 | $ 126,000 | $ 66,000 |
| Middlesex, Massachusetts | 1 | $ 480,000 | $ 480,000 | $ 118,000 |
| Worcester, Massachusetts | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Branch, Michigan | 1 | $ 138,000 | $ 138,000 | $ 11,000 |
| Goodhue, Minnesota | 1 | $ 99,000 | $ 99,000 | $ 98,000 |
| Pine, Minnesota | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Adams, Mississippi | 1 | $ 78,000 | $ 78,000 | $ 105,000 |
| Rankin, Mississippi | 1 | $ 134,000 | $ 134,000 | $ 84,000 |
| Tate, Mississippi | 1 | $ 134,000 | $ 134,000 | $ 52,000 |
| Tippah, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Jackson, Missouri | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Gallatin, Montana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Missoula, Montana | 1 | $ 198,000 | $ 198,000 | $ 162,000 |
| Sweet Grass, Montana | 1 | $ 208,000 | $ 208,000 | $ 18,000 |
| Douglas, Nebraska | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Lyon, Nevada | 1 | $ 126,000 | $ 126,000 | $ 156,000 |
| Nye, Nevada | 1 | $ 107,000 | $ 107,000 | $ 102,000 |
| White Pine, Nevada | 1 | $ 135,000 | $ 135,000 | $ 228,000 |
| Sullivan, New Hampshire | 1 | $ 147,000 | $ 147,000 | $ 50,000 |
| Burke, North Carolina | 1 | $ 149,000 | $ 149,000 | $ 113,000 |
| Chatham, North Carolina | 1 | $ 407,000 | $ 407,000 | $ 144,000 |
| Gaston, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 336,000 | $ 336,000 | $ 165,000 |
| Iredell, North Carolina | 1 | $ 158,000 | $ 158,000 | $ 114,000 |
| Stokes, North Carolina | 1 | $ 207,000 | $ 207,000 | $ 50,000 |
| Athens, Ohio | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Clark, Ohio | 1 | $ 270,000 | $ 270,000 | $ 60,000 |
| Clinton, Ohio | 1 | $ 143,000 | $ 143,000 | $ 96,000 |
| Fulton, Ohio | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Huron, Ohio | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Licking, Ohio | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Lucas, Ohio | 1 | $ 204,000 | $ 204,000 | $ 74,000 |
| Madison, Ohio | 1 | $ 112,000 | $ 112,000 | $ 55,000 |
| Marion, Ohio | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Ottawa, Ohio | 1 | $ 341,000 | $ 341,000 | $ 180,000 |
| Pickaway, Ohio | 1 | $ 200,000 | $ 200,000 | $ 780,000 |
| Preble, Ohio | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Putnam, Ohio | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Williams, Ohio | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Wood, Ohio | 1 | $ 114,000 | $ 114,000 | $ 22,000 |
| Creek, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Deschutes, Oregon | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Josephine, Oregon | 1 | $ 250,000 | $ 250,000 | $ 192,000 |
| Klamath, Oregon | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Lincoln, Oregon | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Linn, Oregon | 1 | $ 91,000 | $ 91,000 | $ 39,000 |
| Florence, South Carolina | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Newberry, South Carolina | 1 | $ 169,000 | $ 169,000 | $ 96,000 |
| Orangeburg, South Carolina | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Hamblen, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 66,000 |
| Hamilton, Tennessee | 1 | $ 450,000 | $ 450,000 | $ 108,000 |
| Jefferson, Tennessee | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Sullivan, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 58,000 |
| Bell, Texas | 1 | $ 104,000 | $ 104,000 | $ 73,000 |
| El Paso, Texas | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Galveston, Texas | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Grayson, Texas | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Kendall, Texas | 1 | $ 680,000 | $ 680,000 | $ 0 |
| Parker, Texas | 1 | $ 189,000 | $ 189,000 | $ 105,000 |
| Potter, Texas | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Rockwall, Texas | 1 | $ 342,000 | $ 342,000 | $ 180,000 |
| Grand, Utah | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Morgan, Utah | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Sanpete, Utah | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Uintah, Utah | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Accomack, Virginia | 1 | $ 180,000 | $ 180,000 | $ 312,000 |
| Alexandria, Virginia | 1 | $ 270,000 | $ 270,000 | $ 72,000 |
| Cumberland, Virginia | 1 | $ 151,000 | $ 151,000 | $ 65,000 |
| Fairfax City, Virginia | 1 | $ 80,000 | $ 80,000 | $ 73,000 |
| Gloucester, Virginia | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Isle of Wight, Virginia | 1 | $ 76,000 | $ 76,000 | $ 76,000 |
| King George, Virginia | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Newport News, Virginia | 1 | $ 187,000 | $ 187,000 | $ 49,000 |
| Portsmouth, Virginia | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Powhatan, Virginia | 1 | $ 218,000 | $ 218,000 | $ 52,000 |
| Prince George, Virginia | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Roanoke City, Virginia | 1 | $ 80,000 | $ 80,000 | $ 17,000 |
| Suffolk, Virginia | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Chelan, Washington | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Clallam, Washington | 1 | $ 143,000 | $ 143,000 | $ 32,000 |
| Douglas, Washington | 1 | $ 92,000 | $ 92,000 | $ 84,000 |
| Grant, Washington | 1 | $ 300,000 | $ 300,000 | $ 132,000 |
| Grays Harbor, Washington | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Lewis, Washington | 1 | $ 126,000 | $ 126,000 | $ 279,000 |
| Fond du Lac, Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 36,000 |
| Milwaukee, Wisconsin | 1 | $ 168,000 | $ 168,000 | $ 72,000 |
| Oneida, Wisconsin | 1 | $ 500,000 | $ 500,000 | $ 180,000 |
| Ozaukee, Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| Winnebago, 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.
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