Express Capital Lending
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Express Capital Lending 2004 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 | 12,381 |
| Total Mortgage Loan Application Amount | $2,787,687,000 |
| Average Mortgage Loan Application Amount | $178,893 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $107,480 |
| Highest Applicant Income | $4,800,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 1,943 | $ 535,503,000 | $ 275,000 | $ 142,000 |
| San Diego County California | 1,136 | $ 315,026,000 | $ 277,000 | $ 125,000 |
| Orange County California | 1,007 | $ 307,096,000 | $ 304,000 | $ 134,000 |
| Riverside County California | 661 | $ 138,940,000 | $ 210,000 | $ 119,000 |
| Clark County Nevada | 352 | $ 60,823,000 | $ 172,000 | $ 159,000 |
| Maricopa County Arizona | 349 | $ 47,067,000 | $ 134,000 | $ 112,000 |
| San Bernardino County California | 318 | $ 52,757,000 | $ 165,000 | $ 95,000 |
| Santa Clara County California | 316 | $ 101,742,000 | $ 321,000 | $ 114,000 |
| Broward County Florida | 292 | $ 54,782,000 | $ 187,000 | $ 114,000 |
| Alameda County California | 279 | $ 80,100,000 | $ 287,000 | $ 114,000 |
| Contra Costa County California | 256 | $ 65,637,000 | $ 256,000 | $ 111,000 |
| Sacramento County California | 217 | $ 35,648,000 | $ 164,000 | $ 108,000 |
| Ventura County California | 200 | $ 58,814,000 | $ 294,000 | $ 208,000 |
| Miami-Dade County Florida | 172 | $ 33,586,000 | $ 195,000 | $ 120,000 |
| Lee County Florida | 162 | $ 16,380,000 | $ 101,000 | $ 85,000 |
| Salt Lake County Utah | 140 | $ 19,430,000 | $ 138,000 | $ 144,000 |
| Sarasota County Florida | 132 | $ 21,307,000 | $ 161,000 | $ 120,000 |
| Hennepin County Minnesota | 127 | $ 22,335,000 | $ 175,000 | $ 128,000 |
| San Joaquin County California | 121 | $ 21,204,000 | $ 175,000 | $ 98,000 |
| San Mateo County California | 116 | $ 37,955,000 | $ 327,000 | $ 122,000 |
| Fairfax County Virginia | 114 | $ 25,393,000 | $ 222,000 | $ 120,000 |
| Solano County California | 113 | $ 24,379,000 | $ 215,000 | $ 115,000 |
| King County Washington | 101 | $ 20,438,000 | $ 202,000 | $ 99,000 |
| Palm Beach County Florida | 100 | $ 19,244,000 | $ 192,000 | $ 97,000 |
| Monterey County California | 97 | $ 28,609,000 | $ 294,000 | $ 117,000 |
| Denver County Colorado | 90 | $ 14,594,000 | $ 162,000 | $ 106,000 |
| Maui County Hawaii | 90 | $ 24,521,000 | $ 272,000 | $ 173,000 |
| Sonoma County California | 85 | $ 25,717,000 | $ 302,000 | $ 141,000 |
| Orange County Florida | 82 | $ 14,172,000 | $ 172,000 | $ 132,000 |
| Kern County California | 78 | $ 10,174,000 | $ 130,000 | $ 107,000 |
| Santa Cruz County California | 74 | $ 22,906,000 | $ 309,000 | $ 113,000 |
| Hillsborough County Florida | 69 | $ 7,296,000 | $ 105,000 | $ 70,000 |
| Arapahoe County Colorado | 66 | $ 8,312,000 | $ 125,000 | $ 107,000 |
| Fresno County California | 62 | $ 8,975,000 | $ 144,000 | $ 93,000 |
| San Francisco County California | 62 | $ 25,009,000 | $ 403,000 | $ 128,000 |
| Pinellas County Florida | 62 | $ 9,687,000 | $ 156,000 | $ 161,000 |
| Montgomery County Maryland | 59 | $ 13,328,000 | $ 225,000 | $ 114,000 |
| Napa County California | 57 | $ 16,240,000 | $ 284,000 | $ 130,000 |
| Adams County Colorado | 55 | $ 5,826,000 | $ 105,000 | $ 83,000 |
| Jefferson County Colorado | 55 | $ 9,293,000 | $ 168,000 | $ 120,000 |
| Prince William County Virginia | 53 | $ 10,544,000 | $ 198,000 | $ 116,000 |
| Ramsey County Minnesota | 51 | $ 8,245,000 | $ 161,000 | $ 79,000 |
| Stanislaus County California | 50 | $ 8,860,000 | $ 177,000 | $ 89,000 |
| Cook County Illinois | 48 | $ 11,205,000 | $ 233,000 | $ 95,000 |
| Seminole County Florida | 45 | $ 9,122,000 | $ 202,000 | $ 101,000 |
| Santa Barbara County California | 41 | $ 14,066,000 | $ 343,000 | $ 181,000 |
| Honolulu County Hawaii | 41 | $ 8,004,000 | $ 195,000 | $ 105,000 |
| Prince George's County Maryland | 41 | $ 7,059,000 | $ 172,000 | $ 78,000 |
| Pima County Arizona | 38 | $ 3,755,000 | $ 98,000 | $ 93,000 |
| Osceola County Florida | 38 | $ 4,489,000 | $ 118,000 | $ 63,000 |
| Multnomah County Oregon | 38 | $ 4,798,000 | $ 126,000 | $ 160,000 |
| Monroe County Florida | 36 | $ 12,077,000 | $ 335,000 | $ 200,000 |
| Mecklenburg County North Carolina | 36 | $ 4,337,000 | $ 120,000 | $ 129,000 |
| Snohomish County Washington | 35 | $ 6,042,000 | $ 172,000 | $ 91,000 |
| Anoka County Minnesota | 33 | $ 3,923,000 | $ 118,000 | $ 103,000 |
| Duval County Florida | 32 | $ 3,408,000 | $ 106,000 | $ 122,000 |
| Merced County California | 31 | $ 4,398,000 | $ 141,000 | $ 95,000 |
| El Paso County Colorado | 31 | $ 5,088,000 | $ 164,000 | $ 120,000 |
| Brevard County Florida | 30 | $ 5,457,000 | $ 181,000 | $ 104,000 |
| Washington County Utah | 30 | $ 3,262,000 | $ 108,000 | $ 83,000 |
| Placer County California | 29 | $ 6,510,000 | $ 224,000 | $ 197,000 |
| Polk County Florida | 29 | $ 2,481,000 | $ 85,000 | $ 104,000 |
| Lake County Florida | 28 | $ 2,740,000 | $ 97,000 | $ 111,000 |
| Utah County Utah | 28 | $ 4,197,000 | $ 149,000 | $ 101,000 |
| Loudoun County Virginia | 28 | $ 6,848,000 | $ 244,000 | $ 124,000 |
| Virginia Beach County Virginia | 27 | $ 4,544,000 | $ 168,000 | $ 88,000 |
| Charlotte County Florida | 25 | $ 2,603,000 | $ 104,000 | $ 188,000 |
| Pierce County Washington | 25 | $ 3,215,000 | $ 128,000 | $ 75,000 |
| San Luis Obispo County California | 24 | $ 6,103,000 | $ 254,000 | $ 136,000 |
| Weld County Colorado | 24 | $ 2,329,000 | $ 97,000 | $ 99,000 |
| Cuyahoga County Ohio | 24 | $ 4,032,000 | $ 168,000 | $ 76,000 |
| Madera County California | 23 | $ 2,861,000 | $ 124,000 | $ 71,000 |
| Manatee County Florida | 23 | $ 4,240,000 | $ 184,000 | $ 106,000 |
| Weber County Utah | 23 | $ 2,423,000 | $ 105,000 | $ 64,000 |
| El Dorado County California | 22 | $ 5,645,000 | $ 256,000 | $ 135,000 |
| San Benito County California | 22 | $ 7,124,000 | $ 323,000 | $ 113,000 |
| Washington County Minnesota | 22 | $ 3,370,000 | $ 153,000 | $ 135,000 |
| Davis County Utah | 22 | $ 2,747,000 | $ 124,000 | $ 78,000 |
| Pasco County Florida | 21 | $ 1,725,000 | $ 82,000 | $ 47,000 |
| Baltimore County Maryland | 21 | $ 2,959,000 | $ 140,000 | $ 75,000 |
| Jackson County Oregon | 21 | $ 2,159,000 | $ 102,000 | $ 57,000 |
| Marin County California | 20 | $ 7,951,000 | $ 397,000 | $ 259,000 |
| Douglas County Colorado | 20 | $ 4,874,000 | $ 243,000 | $ 143,000 |
| Clark County Washington | 20 | $ 2,239,000 | $ 111,000 | $ 102,000 |
| Yavapai County Arizona | 18 | $ 2,648,000 | $ 147,000 | $ 119,000 |
| Larimer County Colorado | 18 | $ 2,157,000 | $ 119,000 | $ 73,000 |
| Charleston County South Carolina | 18 | $ 2,737,000 | $ 152,000 | $ 118,000 |
| Clackamas County Oregon | 17 | $ 2,136,000 | $ 125,000 | $ 140,000 |
| Charles County Maryland | 16 | $ 2,995,000 | $ 187,000 | $ 101,000 |
| Shelby County Tennessee | 16 | $ 3,032,000 | $ 189,000 | $ 148,000 |
| Mohave County Arizona | 15 | $ 1,491,000 | $ 99,000 | $ 103,000 |
| Collier County Florida | 15 | $ 4,591,000 | $ 306,000 | $ 201,000 |
| Frederick County Maryland | 15 | $ 2,957,000 | $ 197,000 | $ 77,000 |
| Summit County Utah | 15 | $ 3,874,000 | $ 258,000 | $ 134,000 |
| Tulare County California | 14 | $ 1,589,000 | $ 113,000 | $ 82,000 |
| Baltimore City County Maryland | 14 | $ 1,548,000 | $ 110,000 | $ 45,000 |
| Harford County Maryland | 14 | $ 2,389,000 | $ 170,000 | $ 218,000 |
| Dakota County Minnesota | 14 | $ 2,696,000 | $ 192,000 | $ 105,000 |
| St. Lucie County Florida | 13 | $ 1,631,000 | $ 125,000 | $ 82,000 |
| Washoe County Nevada | 13 | $ 1,831,000 | $ 140,000 | $ 123,000 |
| Hamilton County Ohio | 13 | $ 2,560,000 | $ 196,000 | $ 97,000 |
| Navajo County Arizona | 12 | $ 965,000 | $ 80,000 | $ 94,000 |
| Pinal County Arizona | 12 | $ 2,252,000 | $ 187,000 | $ 142,000 |
| Howard County Maryland | 12 | $ 4,033,000 | $ 336,000 | $ 125,000 |
| Wright County Minnesota | 12 | $ 1,408,000 | $ 117,000 | $ 84,000 |
| Marion County Oregon | 12 | $ 1,060,000 | $ 88,000 | $ 96,000 |
| Thurston County Washington | 11 | $ 1,219,000 | $ 110,000 | $ 93,000 |
| Boulder County Colorado | 10 | $ 3,219,000 | $ 321,000 | $ 188,000 |
| Pueblo County Colorado | 10 | $ 1,239,000 | $ 123,000 | $ 69,000 |
| Volusia County Florida | 10 | $ 1,679,000 | $ 167,000 | $ 109,000 |
| Lake County Illinois | 10 | $ 939,000 | $ 93,000 | $ 118,000 |
| Harrison County Mississippi | 10 | $ 1,752,000 | $ 175,000 | $ 136,000 |
| Lane County Oregon | 10 | $ 1,347,000 | $ 134,000 | $ 64,000 |
| Chesterfield County Virginia | 10 | $ 1,211,000 | $ 121,000 | $ 54,000 |
| Manassas County Virginia | 10 | $ 1,811,000 | $ 181,000 | $ 74,000 |
| Spokane County Washington | 10 | $ 714,000 | $ 71,000 | $ 94,000 |
| Bay County Florida | 9 | $ 2,451,000 | $ 272,000 | $ 163,000 |
| Bernalillo County New Mexico | 9 | $ 1,470,000 | $ 163,000 | $ 178,000 |
| Lake County Ohio | 9 | $ 758,000 | $ 84,000 | $ 67,000 |
| Washington County Oregon | 9 | $ 1,249,000 | $ 138,000 | $ 101,000 |
| Berkeley County South Carolina | 9 | $ 1,872,000 | $ 208,000 | $ 148,000 |
| Cowlitz County Washington | 9 | $ 855,000 | $ 95,000 | $ 135,000 |
| Milwaukee County Wisconsin | 9 | $ 1,897,000 | $ 210,000 | $ 72,000 |
| Nevada County California | 8 | $ 1,386,000 | $ 173,000 | $ 145,000 |
| Mesa County Colorado | 8 | $ 522,000 | $ 65,000 | $ 72,000 |
| Carver County Minnesota | 8 | $ 1,371,000 | $ 171,000 | $ 105,000 |
| Wasatch County Utah | 8 | $ 1,095,000 | $ 136,000 | $ 88,000 |
| Augusta County Virginia | 8 | $ 1,016,000 | $ 127,000 | $ 76,000 |
| Chesapeake County Virginia | 8 | $ 1,458,000 | $ 182,000 | $ 80,000 |
| Coconino County Arizona | 7 | $ 2,367,000 | $ 338,000 | $ 144,000 |
| Lake County California | 7 | $ 1,488,000 | $ 212,000 | $ 118,000 |
| Yuba County California | 7 | $ 870,000 | $ 124,000 | $ 89,000 |
| Walton County Florida | 7 | $ 1,910,000 | $ 272,000 | $ 191,000 |
| Harris County Texas | 7 | $ 1,331,000 | $ 190,000 | $ 124,000 |
| Alexandria County Virginia | 7 | $ 1,434,000 | $ 204,000 | $ 184,000 |
| Hanover County Virginia | 7 | $ 1,136,000 | $ 162,000 | $ 110,000 |
| Henrico County Virginia | 7 | $ 778,000 | $ 111,000 | $ 73,000 |
| Butte County California | 6 | $ 933,000 | $ 155,000 | $ 201,000 |
| Del Norte County California | 6 | $ 793,000 | $ 132,000 | $ 137,000 |
| Kings County California | 6 | $ 1,008,000 | $ 168,000 | $ 78,000 |
| Mendocino County California | 6 | $ 1,425,000 | $ 237,000 | $ 146,000 |
| Routt County Colorado | 6 | $ 2,123,000 | $ 353,000 | $ 153,000 |
| Indian River County Florida | 6 | $ 613,000 | $ 102,000 | $ 273,000 |
| Okaloosa County Florida | 6 | $ 1,984,000 | $ 330,000 | $ 303,000 |
| St. Johns County Florida | 6 | $ 650,000 | $ 108,000 | $ 141,000 |
| Hawaii County Hawaii | 6 | $ 1,941,000 | $ 323,000 | $ 158,000 |
| Kauai County Hawaii | 6 | $ 2,701,000 | $ 450,000 | $ 225,000 |
| DuPage County Illinois | 6 | $ 1,028,000 | $ 171,000 | $ 98,000 |
| Scott County Minnesota | 6 | $ 714,000 | $ 119,000 | $ 79,000 |
| Hinds County Mississippi | 6 | $ 471,000 | $ 78,000 | $ 133,000 |
| Iredell County North Carolina | 6 | $ 638,000 | $ 106,000 | $ 83,000 |
| Summit County Ohio | 6 | $ 617,000 | $ 102,000 | $ 32,000 |
| Polk County Oregon | 6 | $ 501,000 | $ 83,000 | $ 83,000 |
| Arlington County Virginia | 6 | $ 1,621,000 | $ 270,000 | $ 131,000 |
| Stafford County Virginia | 6 | $ 573,000 | $ 95,000 | $ 67,000 |
| Dane County Wisconsin | 6 | $ 538,000 | $ 89,000 | $ 43,000 |
| Mono County California | 5 | $ 1,605,000 | $ 321,000 | $ 231,000 |
| Tuolumne County California | 5 | $ 1,230,000 | $ 246,000 | $ 158,000 |
| Yolo County California | 5 | $ 1,119,000 | $ 223,000 | $ 57,000 |
| Alachua County Florida | 5 | $ 461,000 | $ 92,000 | $ 229,000 |
| Hernando County Florida | 5 | $ 409,000 | $ 81,000 | $ 82,000 |
| Sherburne County Minnesota | 5 | $ 742,000 | $ 148,000 | $ 66,000 |
| Guilford County North Carolina | 5 | $ 569,000 | $ 113,000 | $ 134,000 |
| Clermont County Ohio | 5 | $ 505,000 | $ 101,000 | $ 48,000 |
| Deschutes County Oregon | 5 | $ 498,000 | $ 99,000 | $ 91,000 |
| Collin County Texas | 5 | $ 2,059,000 | $ 411,000 | $ 0 |
| Calaveras County California | 4 | $ 773,000 | $ 193,000 | $ 86,000 |
| Imperial County California | 4 | $ 675,000 | $ 168,000 | $ 254,000 |
| Shasta County California | 4 | $ 533,000 | $ 133,000 | $ 89,000 |
| Sutter County California | 4 | $ 482,000 | $ 120,000 | $ 73,000 |
| Gunnison County Colorado | 4 | $ 724,000 | $ 181,000 | $ 186,000 |
| Fairfield County Connecticut | 4 | $ 1,129,000 | $ 282,000 | $ 79,000 |
| Hartford County Connecticut | 4 | $ 436,000 | $ 109,000 | $ 52,000 |
| Flagler County Florida | 4 | $ 1,208,000 | $ 302,000 | $ 141,000 |
| Martin County Florida | 4 | $ 401,000 | $ 100,000 | $ 82,000 |
| Ada County Idaho | 4 | $ 428,000 | $ 107,000 | $ 156,000 |
| Carroll County Maryland | 4 | $ 370,000 | $ 92,000 | $ 124,000 |
| Mille Lacs County Minnesota | 4 | $ 388,000 | $ 97,000 | $ 108,000 |
| DeSoto County Mississippi | 4 | $ 433,000 | $ 108,000 | $ 203,000 |
| Dona Ana County New Mexico | 4 | $ 401,000 | $ 100,000 | $ 95,000 |
| Gaston County North Carolina | 4 | $ 774,000 | $ 193,000 | $ 103,000 |
| Lee County North Carolina | 4 | $ 396,000 | $ 99,000 | $ 91,000 |
| Union County North Carolina | 4 | $ 1,413,000 | $ 353,000 | $ 218,000 |
| Butler County Ohio | 4 | $ 374,000 | $ 93,000 | $ 47,000 |
| Geauga County Ohio | 4 | $ 442,000 | $ 110,000 | $ 86,000 |
| Stark County Ohio | 4 | $ 374,000 | $ 93,000 | $ 50,000 |
| Oklahoma County Oklahoma | 4 | $ 366,000 | $ 91,000 | $ 70,000 |
| Curry County Oregon | 4 | $ 1,683,000 | $ 420,000 | $ 116,000 |
| Beaufort County South Carolina | 4 | $ 288,000 | $ 72,000 | $ 41,000 |
| Davidson County Tennessee | 4 | $ 462,000 | $ 115,000 | $ 105,000 |
| Denton County Texas | 4 | $ 1,024,000 | $ 256,000 | $ 0 |
| Travis County Texas | 4 | $ 958,000 | $ 239,000 | $ 118,000 |
| Tooele County Utah | 4 | $ 316,000 | $ 79,000 | $ 65,000 |
| Albemarle County Virginia | 4 | $ 229,000 | $ 57,000 | $ 100,000 |
| Fauquier County Virginia | 4 | $ 434,000 | $ 108,000 | $ 105,000 |
| Montgomery County Virginia | 4 | $ 440,000 | $ 110,000 | $ 76,000 |
| Kitsap County Washington | 4 | $ 456,000 | $ 114,000 | $ 62,000 |
| St. Croix County Wisconsin | 4 | $ 356,000 | $ 89,000 | $ 42,000 |
| Teton County Wyoming | 4 | $ 738,000 | $ 184,000 | $ 55,000 |
| Humboldt County California | 3 | $ 584,000 | $ 194,000 | $ 400,000 |
| Siskiyou County California | 3 | $ 282,000 | $ 94,000 | $ 26,000 |
| Garfield County Colorado | 3 | $ 567,000 | $ 189,000 | $ 89,000 |
| Citrus County Florida | 3 | $ 242,000 | $ 80,000 | $ 90,000 |
| Leon County Florida | 3 | $ 207,000 | $ 69,000 | $ 85,000 |
| Nassau County Florida | 3 | $ 312,000 | $ 104,000 | $ 38,000 |
| Franklin County Idaho | 3 | $ 275,000 | $ 91,000 | $ 66,000 |
| Kane County Illinois | 3 | $ 515,000 | $ 171,000 | $ 183,000 |
| Elkhart County Indiana | 3 | $ 1,582,000 | $ 527,000 | $ 265,000 |
| Jefferson County Kentucky | 3 | $ 671,000 | $ 223,000 | $ 123,000 |
| Anne Arundel County Maryland | 3 | $ 1,042,000 | $ 347,000 | $ 129,000 |
| Stearns County Minnesota | 3 | $ 728,000 | $ 242,000 | $ 73,000 |
| Flathead County Montana | 3 | $ 276,000 | $ 92,000 | $ 111,000 |
| Lyon County Nevada | 3 | $ 422,000 | $ 140,000 | $ 86,000 |
| Santa Fe County New Mexico | 3 | $ 1,261,000 | $ 420,000 | $ 134,000 |
| Durham County North Carolina | 3 | $ 283,000 | $ 94,000 | $ 61,000 |
| Delaware County Ohio | 3 | $ 813,000 | $ 271,000 | $ 26,000 |
| Franklin County Ohio | 3 | $ 272,000 | $ 90,000 | $ 92,000 |
| Montgomery County Ohio | 3 | $ 530,000 | $ 176,000 | $ 129,000 |
| Warren County Ohio | 3 | $ 235,000 | $ 78,000 | $ 56,000 |
| Clatsop County Oregon | 3 | $ 483,000 | $ 161,000 | $ 175,000 |
| Coos County Oregon | 3 | $ 258,000 | $ 86,000 | $ 84,000 |
| Josephine County Oregon | 3 | $ 393,000 | $ 131,000 | $ 59,000 |
| Linn County Oregon | 3 | $ 318,000 | $ 106,000 | $ 81,000 |
| Greenville County South Carolina | 3 | $ 495,000 | $ 165,000 | $ 126,000 |
| Dallas County Texas | 3 | $ 702,000 | $ 234,000 | $ 116,000 |
| Cache County Utah | 3 | $ 800,000 | $ 266,000 | $ 116,000 |
| Hampton County Virginia | 3 | $ 327,000 | $ 109,000 | $ 91,000 |
| Portsmouth County Virginia | 3 | $ 262,000 | $ 87,000 | $ 14,000 |
| Spotsylvania County Virginia | 3 | $ 579,000 | $ 193,000 | $ 201,000 |
| Island County Washington | 3 | $ 691,000 | $ 230,000 | $ 124,000 |
| Ozaukee County Wisconsin | 3 | $ 856,000 | $ 285,000 | $ 125,000 |
| Crawford County Arkansas | 2 | $ 229,000 | $ 114,000 | $ 105,000 |
| Garland County Arkansas | 2 | $ 148,000 | $ 74,000 | $ 373,000 |
| Inyo County California | 2 | $ 392,000 | $ 196,000 | $ 288,000 |
| Tehama County California | 2 | $ 280,000 | $ 140,000 | $ 60,000 |
| Pitkin County Colorado | 2 | $ 1,000,000 | $ 500,000 | $ 264,000 |
| Rio Blanco County Colorado | 2 | $ 225,000 | $ 112,000 | $ 48,000 |
| Summit County Colorado | 2 | $ 439,000 | $ 219,000 | $ 122,000 |
| DeSoto County Florida | 2 | $ 266,000 | $ 133,000 | $ 107,000 |
| Escambia County Florida | 2 | $ 1,154,000 | $ 577,000 | $ 480,000 |
| Highlands County Florida | 2 | $ 106,000 | $ 53,000 | $ 306,000 |
| Bingham County Idaho | 2 | $ 101,000 | $ 50,000 | $ 0 |
| Blaine County Idaho | 2 | $ 135,000 | $ 67,000 | $ 30,000 |
| Bonner County Idaho | 2 | $ 171,000 | $ 85,000 | $ 146,000 |
| Jerome County Idaho | 2 | $ 243,000 | $ 121,000 | $ 61,000 |
| Kootenai County Idaho | 2 | $ 124,000 | $ 62,000 | $ 49,000 |
| Twin Falls County Idaho | 2 | $ 157,000 | $ 78,000 | $ 68,000 |
| Will County Illinois | 2 | $ 185,000 | $ 92,000 | $ 85,000 |
| Polk County Iowa | 2 | $ 293,000 | $ 146,000 | $ 27,000 |
| Boone County Kentucky | 2 | $ 930,000 | $ 465,000 | $ 146,000 |
| Queen Anne's County Maryland | 2 | $ 388,000 | $ 194,000 | $ 120,000 |
| St. Mary's County Maryland | 2 | $ 175,000 | $ 87,000 | $ 64,000 |
| Washington County Maryland | 2 | $ 476,000 | $ 238,000 | $ 152,000 |
| Worcester County Maryland | 2 | $ 384,000 | $ 192,000 | $ 114,000 |
| Chisago County Minnesota | 2 | $ 203,000 | $ 101,000 | $ 246,000 |
| Lake County Minnesota | 2 | $ 234,000 | $ 117,000 | $ 59,000 |
| Rankin County Mississippi | 2 | $ 104,000 | $ 52,000 | $ 119,000 |
| Carson City County Nevada | 2 | $ 450,000 | $ 225,000 | $ 187,000 |
| Nye County Nevada | 2 | $ 114,000 | $ 57,000 | $ 222,000 |
| Sandoval County New Mexico | 2 | $ 360,000 | $ 180,000 | $ 180,000 |
| Brunswick County North Carolina | 2 | $ 95,000 | $ 47,000 | $ 70,000 |
| Cabarrus County North Carolina | 2 | $ 828,000 | $ 414,000 | $ 180,000 |
| Currituck County North Carolina | 2 | $ 274,000 | $ 137,000 | $ 342,000 |
| Dare County North Carolina | 2 | $ 781,000 | $ 390,000 | $ 90,000 |
| Highland County Ohio | 2 | $ 236,000 | $ 118,000 | $ 0 |
| Medina County Ohio | 2 | $ 410,000 | $ 205,000 | $ 72,000 |
| Benton County Oregon | 2 | $ 112,000 | $ 56,000 | $ 68,000 |
| Lincoln County Oregon | 2 | $ 117,000 | $ 58,000 | $ 58,000 |
| Union County Oregon | 2 | $ 113,000 | $ 56,000 | $ 38,000 |
| Yamhill County Oregon | 2 | $ 169,000 | $ 84,000 | $ 42,000 |
| Kent County Rhode Island | 2 | $ 395,000 | $ 197,000 | $ 104,000 |
| Dorchester County South Carolina | 2 | $ 358,000 | $ 179,000 | $ 17,000 |
| Williamson County Tennessee | 2 | $ 331,000 | $ 165,000 | $ 96,000 |
| Williamson County Texas | 2 | $ 249,000 | $ 124,000 | $ 0 |
| Box Elder County Utah | 2 | $ 345,000 | $ 172,000 | $ 30,000 |
| Grand County Utah | 2 | $ 203,000 | $ 101,000 | $ 297,000 |
| Buena Vista County Virginia | 2 | $ 115,000 | $ 57,000 | $ 53,000 |
| Campbell County Virginia | 2 | $ 125,000 | $ 62,000 | $ 120,000 |
| Newport News County Virginia | 2 | $ 144,000 | $ 72,000 | $ 184,000 |
| Norfolk County Virginia | 2 | $ 229,000 | $ 114,000 | $ 0 |
| Richmond City County Virginia | 2 | $ 200,000 | $ 100,000 | $ 72,000 |
| Grays Harbor County Washington | 2 | $ 209,000 | $ 104,000 | $ 89,000 |
| Skagit County Washington | 2 | $ 282,000 | $ 141,000 | $ 98,000 |
| Brown County Wisconsin | 2 | $ 156,000 | $ 78,000 | $ 56,000 |
| Eau Claire County Wisconsin | 2 | $ 128,000 | $ 64,000 | $ 33,000 |
| Racine County Wisconsin | 2 | $ 126,000 | $ 63,000 | $ 50,000 |
| Shawano County Wisconsin | 2 | $ 332,000 | $ 166,000 | $ 240,000 |
| Waukesha County Wisconsin | 2 | $ 450,000 | $ 225,000 | $ 51,000 |
| Winnebago County Wisconsin | 2 | $ 464,000 | $ 232,000 | $ 360,000 |
| Laramie County Wyoming | 2 | $ 140,000 | $ 70,000 | $ 84,000 |
| Natrona County Wyoming | 2 | $ 124,000 | $ 62,000 | $ 80,000 |
| Apache County Arizona | 1 | $ 169,000 | $ 169,000 | $ 211,000 |
| Cochise County Arizona | 1 | $ 260,000 | $ 260,000 | $ 420,000 |
| Santa Cruz County Arizona | 1 | $ 87,000 | $ 87,000 | $ 34,000 |
| Yuma County Arizona | 1 | $ 137,000 | $ 137,000 | $ 66,000 |
| Benton County Arkansas | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Ouachita County Arkansas | 1 | $ 130,000 | $ 130,000 | $ 62,000 |
| Amador County California | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Broomfield County Colorado | 1 | $ 100,000 | $ 100,000 | $ 64,000 |
| Logan County Colorado | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Park County Colorado | 1 | $ 132,000 | $ 132,000 | $ 456,000 |
| Litchfield County Connecticut | 1 | $ 84,000 | $ 84,000 | $ 29,000 |
| Hendry County Florida | 1 | $ 49,000 | $ 49,000 | $ 83,000 |
| Santa Rosa County Florida | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
| Sumter County Florida | 1 | $ 306,000 | $ 306,000 | $ 120,000 |
| Custer County Idaho | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Kendall County Illinois | 1 | $ 650,000 | $ 650,000 | $ 300,000 |
| McHenry County Illinois | 1 | $ 200,000 | $ 200,000 | $ 210,000 |
| Montgomery County Indiana | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Vigo County Indiana | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| Campbell County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Cecil County Maryland | 1 | $ 316,000 | $ 316,000 | $ 62,000 |
| Essex County Massachusetts | 1 | $ 304,000 | $ 304,000 | $ 180,000 |
| Wayne County Michigan | 1 | $ 117,000 | $ 117,000 | $ 96,000 |
| Goodhue County Minnesota | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Isanti County Minnesota | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| Meeker County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| St. Louis County Minnesota | 1 | $ 73,000 | $ 73,000 | $ 120,000 |
| Oktibbeha County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 216,000 |
| Warren County Mississippi | 1 | $ 192,000 | $ 192,000 | $ 174,000 |
| Gallatin County Montana | 1 | $ 154,000 | $ 154,000 | $ 120,000 |
| Missoula County Montana | 1 | $ 159,000 | $ 159,000 | $ 78,000 |
| Ravalli County Montana | 1 | $ 111,000 | $ 111,000 | $ 128,000 |
| Lancaster County Nebraska | 1 | $ 104,000 | $ 104,000 | $ 104,000 |
| Douglas County Nevada | 1 | $ 281,000 | $ 281,000 | $ 34,000 |
| Carteret County North Carolina | 1 | $ 619,000 | $ 619,000 | $ 126,000 |
| Catawba County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 91,000 |
| Cumberland County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 86,000 |
| Tyrrell County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 319,000 |
| Greene County Ohio | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Lorain County Ohio | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Marion County Ohio | 1 | $ 108,000 | $ 108,000 | $ 84,000 |
| Columbia County Oregon | 1 | $ 118,000 | $ 118,000 | $ 300,000 |
| Providence County Rhode Island | 1 | $ 173,000 | $ 173,000 | $ 60,000 |
| Anderson County South Carolina | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Darlington County South Carolina | 1 | $ 76,000 | $ 76,000 | $ 93,000 |
| Oconee County South Carolina | 1 | $ 422,000 | $ 422,000 | $ 192,000 |
| Cumberland County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Jefferson County Tennessee | 1 | $ 123,000 | $ 123,000 | $ 90,000 |
| Sevier County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 144,000 |
| Sumner County Tennessee | 1 | $ 450,000 | $ 450,000 | $ 300,000 |
| Washington County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 120,000 |
| Fort Bend County Texas | 1 | $ 144,000 | $ 144,000 | $ 156,000 |
| Galveston County Texas | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Grayson County Texas | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Parker County Texas | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Smith County Texas | 1 | $ 119,000 | $ 119,000 | $ 96,000 |
| Tarrant County Texas | 1 | $ 81,000 | $ 81,000 | $ 163,000 |
| Kane County Utah | 1 | $ 134,000 | $ 134,000 | $ 80,000 |
| Morgan County Utah | 1 | $ 154,000 | $ 154,000 | $ 0 |
| San Juan County Utah | 1 | $ 72,000 | $ 72,000 | $ 52,000 |
| Sanpete County Utah | 1 | $ 109,000 | $ 109,000 | $ 33,000 |
| Fairfax City County Virginia | 1 | $ 330,000 | $ 330,000 | $ 65,000 |
| Warren County Virginia | 1 | $ 288,000 | $ 288,000 | $ 33,000 |
| Jefferson County Washington | 1 | $ 750,000 | $ 750,000 | $ 180,000 |
| Calumet County Wisconsin | 1 | $ 48,000 | $ 48,000 | $ 102,000 |
| Marathon County Wisconsin | 1 | $ 103,000 | $ 103,000 | $ 55,000 |
| Rock County Wisconsin | 1 | $ 143,000 | $ 143,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Express Capital Lending in 2004
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 | 8,445 | $1,830,142,000 | $168,225 | $1,180,000 | $108,193 | $2,820,000 |
| Refinancing | 3,697 | $888,279,000 | $179,090 | $1,575,000 | $106,606 | $4,800,000 |
| Home Improvement | 239 | $69,266,000 | $208,363 | $980,000 | $108,090 | $564,000 |
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 | 5,870 | $1,294,256,000 | $180,393 | $1,180,000 | $120,606 | $4,800,000 |
| Hispanic | 2,408 | $524,933,000 | $156,315 | $1,000,000 | $105,842 | $1,100,000 |
| Not Provided | 1,654 | $408,961,000 | $197,740 | $1,120,000 | $112,000 | $1,200,000 |
| Asian | 1,331 | $324,431,000 | $150,250 | $1,575,000 | $101,187 | $2,820,000 |
| Black or African American | 949 | $195,667,000 | $173,909 | $1,000,000 | $95,136 | $549,000 |
| Native Hawaiian or Other Pacific Islander | 139 | $32,496,000 | $198,700 | $650,000 | $90,200 | $336,000 |
| American Indian or Alaskan Native | 30 | $6,943,000 | $193,750 | $644,000 | $82,250 | $366,000 |
| 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) | 12,381 | $2,787,687,000 | $172,147 | $1,575,000 | $108,588 | $4,800,000 |
| 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 | 6,688 | $1,502,071,000 | $145,586 | $1,180,000 | $87,137 | $2,820,000 |
| Application Denied By Financial Institution | 2,681 | $596,041,000 | $176,700 | $1,575,000 | $124,566 | $2,820,000 |
| Application Approved But Not Accepted | 1,626 | $377,706,000 | $172,958 | $1,100,000 | $107,583 | $4,800,000 |
| Application Withdrawn By Applicant | 709 | $156,667,000 | $242,086 | $1,000,000 | $117,391 | $500,000 |
| File Closed For Incompleteness | 677 | $155,202,000 | $182,480 | $1,120,000 | $112,000 | $2,160,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 817 | $189,149,000 | $178,615 | $1,100,000 | $123,192 | $2,820,000 |
| Credit History | 774 | $162,115,000 | $159,285 | $1,575,000 | $113,142 | $751,000 |
| Collateral | 512 | $114,507,000 | $199,920 | $1,100,000 | $133,720 | $757,000 |
| Unverifiable Information | 177 | $39,432,000 | $169,533 | $1,000,000 | $109,466 | $423,000 |
| Employment History | 129 | $31,132,000 | $186,000 | $1,000,000 | $115,750 | $900,000 |
| Credit Application Incomplete | 121 | $26,550,000 | $183,666 | $1,000,000 | $122,833 | $675,000 |
| Debt-To-Income Ratio | 76 | $17,805,000 | $180,250 | $875,000 | $131,000 | $510,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 74 | $15,320,000 | $134,000 | $1,000,000 | $67,846 | $298,000 |
| Mortgage Insurance Denied | 1 | $31,000 | $31,000 | $31,000 | $204,000 | $204,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Express Capital Lending's 2004 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.