Express Capital Lending Mortgage Lending & HMDA Data, 2005
In 2005, Express Capital Lending of Costa Mesa, CA reported 13,177 mortgage applications totaling $3.8 billion, up 6% from 2004. The average application was for $288,080, and applicants reported an average income of $159,040. 46% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,085), Riverside-San Bernardino-Ontario, CA (1,212) and Santa Ana-Anaheim-Irvine, CA (969) (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 | 13,177 |
| Total Mortgage Loan Application Amount | $3,796,043,000 |
| Average Mortgage Loan Application Amount | $288,080 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $159,040 |
| Highest Applicant Income | $4,742,000 |
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(HMDA) records Express Capital Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,102 | $ 716,570,000 | $ 340,899 | $ 183,000 |
| Orange, California | 980 | $ 383,171,000 | $ 390,990 | $ 176,000 |
| San Diego, California | 856 | $ 292,894,000 | $ 342,165 | $ 157,000 |
| Riverside, California | 746 | $ 197,502,000 | $ 264,747 | $ 135,000 |
| Maricopa, Arizona | 497 | $ 104,547,000 | $ 210,356 | $ 160,000 |
| San Bernardino, California | 475 | $ 99,789,000 | $ 210,082 | $ 119,000 |
| Clark, Nevada | 435 | $ 99,234,000 | $ 228,124 | $ 157,000 |
| Broward, Florida | 434 | $ 92,689,000 | $ 213,569 | $ 151,000 |
| Miami-Dade, Florida | 415 | $ 122,079,000 | $ 294,166 | $ 212,000 |
| Palm Beach, Florida | 273 | $ 65,099,000 | $ 238,457 | $ 150,000 |
| Contra Costa, California | 256 | $ 91,857,000 | $ 358,816 | $ 197,000 |
| Alameda, California | 252 | $ 95,181,000 | $ 377,702 | $ 163,000 |
| Santa Clara, California | 250 | $ 102,476,000 | $ 409,904 | $ 155,000 |
| Sacramento, California | 179 | $ 43,153,000 | $ 241,078 | $ 112,000 |
| Maui, Hawaii | 167 | $ 56,542,000 | $ 338,574 | $ 145,000 |
| Ventura, California | 161 | $ 62,502,000 | $ 388,211 | $ 201,000 |
| Orange, Florida | 161 | $ 30,759,000 | $ 191,049 | $ 206,000 |
| Kern, California | 156 | $ 25,373,000 | $ 162,647 | $ 114,000 |
| Monterey, California | 153 | $ 53,368,000 | $ 348,810 | $ 159,000 |
| Lee, Florida | 149 | $ 26,907,000 | $ 180,583 | $ 145,000 |
| San Joaquin, California | 124 | $ 30,647,000 | $ 247,153 | $ 116,000 |
| Fairfax, Virginia | 120 | $ 39,221,000 | $ 326,841 | $ 159,000 |
| Solano, California | 108 | $ 31,928,000 | $ 295,629 | $ 144,000 |
| San Mateo, California | 97 | $ 40,476,000 | $ 417,278 | $ 135,000 |
| Montgomery, Maryland | 96 | $ 31,707,000 | $ 330,281 | $ 149,000 |
| Stanislaus, California | 88 | $ 22,554,000 | $ 256,295 | $ 157,000 |
| Salt Lake, Utah | 88 | $ 16,569,000 | $ 188,284 | $ 210,000 |
| Hillsborough, Florida | 87 | $ 15,221,000 | $ 174,954 | $ 109,000 |
| Sarasota, Florida | 81 | $ 14,624,000 | $ 180,543 | $ 107,000 |
| Hennepin, Minnesota | 79 | $ 16,274,000 | $ 206,000 | $ 275,000 |
| Prince William, Virginia | 74 | $ 20,403,000 | $ 275,716 | $ 84,000 |
| Fresno, California | 71 | $ 10,442,000 | $ 147,070 | $ 150,000 |
| Sonoma, California | 70 | $ 27,099,000 | $ 387,128 | $ 133,000 |
| Honolulu, Hawaii | 70 | $ 29,375,000 | $ 419,642 | $ 173,000 |
| Prince George's, Maryland | 67 | $ 14,550,000 | $ 217,164 | $ 115,000 |
| Santa Cruz, California | 63 | $ 28,607,000 | $ 454,079 | $ 190,000 |
| Seminole, Florida | 56 | $ 17,824,000 | $ 318,285 | $ 175,000 |
| Placer, California | 55 | $ 17,097,000 | $ 310,854 | $ 151,000 |
| Monroe, Florida | 55 | $ 24,930,000 | $ 453,272 | $ 294,000 |
| Pinellas, Florida | 53 | $ 13,902,000 | $ 262,301 | $ 221,000 |
| Multnomah, Oregon | 52 | $ 6,579,000 | $ 126,519 | $ 133,000 |
| Denver, Colorado | 51 | $ 6,497,000 | $ 127,392 | $ 80,000 |
| Pima, Arizona | 49 | $ 7,841,000 | $ 160,020 | $ 133,000 |
| Santa Barbara, California | 49 | $ 21,031,000 | $ 429,204 | $ 169,000 |
| Polk, Florida | 49 | $ 4,632,000 | $ 94,530 | $ 108,000 |
| Collier, Florida | 47 | $ 17,507,000 | $ 372,489 | $ 200,000 |
| St. Lucie, Florida | 47 | $ 7,981,000 | $ 169,808 | $ 155,000 |
| Merced, California | 46 | $ 9,022,000 | $ 196,130 | $ 81,000 |
| King, Washington | 46 | $ 13,140,000 | $ 285,652 | $ 173,000 |
| Pinal, Arizona | 43 | $ 5,864,000 | $ 136,372 | $ 136,000 |
| Snohomish, Washington | 41 | $ 6,801,000 | $ 165,878 | $ 85,000 |
| San Francisco, California | 40 | $ 21,508,000 | $ 537,700 | $ 225,000 |
| Napa, California | 39 | $ 14,062,000 | $ 360,564 | $ 171,000 |
| Duval, Florida | 38 | $ 5,265,000 | $ 138,552 | $ 102,000 |
| Lake, Florida | 38 | $ 5,453,000 | $ 143,500 | $ 140,000 |
| Manatee, Florida | 38 | $ 10,913,000 | $ 287,184 | $ 203,000 |
| Osceola, Florida | 38 | $ 8,970,000 | $ 236,052 | $ 122,000 |
| Ramsey, Minnesota | 38 | $ 5,431,000 | $ 142,921 | $ 116,000 |
| El Paso, Colorado | 37 | $ 9,292,000 | $ 251,135 | $ 225,000 |
| Kauai, Hawaii | 36 | $ 16,627,000 | $ 461,861 | $ 249,000 |
| Pierce, Washington | 35 | $ 5,047,000 | $ 144,200 | $ 110,000 |
| Arapahoe, Colorado | 34 | $ 12,833,000 | $ 377,441 | $ 183,000 |
| Mohave, Arizona | 32 | $ 4,233,000 | $ 132,281 | $ 142,000 |
| Clark, Washington | 32 | $ 4,123,000 | $ 128,843 | $ 78,000 |
| Marin, California | 31 | $ 19,075,000 | $ 615,322 | $ 323,000 |
| Baltimore City, Maryland | 31 | $ 4,403,000 | $ 142,032 | $ 109,000 |
| Tulare, California | 30 | $ 3,669,000 | $ 122,300 | $ 182,000 |
| Marion, Florida | 30 | $ 2,227,000 | $ 74,233 | $ 89,000 |
| Hawaii, Hawaii | 29 | $ 20,706,000 | $ 714,000 | $ 359,000 |
| Washington, Minnesota | 29 | $ 3,849,000 | $ 132,724 | $ 129,000 |
| Brevard, Florida | 28 | $ 5,662,000 | $ 202,214 | $ 121,000 |
| Yolo, California | 27 | $ 7,700,000 | $ 285,185 | $ 219,000 |
| Jefferson, Colorado | 27 | $ 7,245,000 | $ 268,333 | $ 168,000 |
| Flagler, Florida | 26 | $ 3,666,000 | $ 141,000 | $ 113,000 |
| San Benito, California | 25 | $ 10,745,000 | $ 429,800 | $ 126,000 |
| Adams, Colorado | 25 | $ 4,208,000 | $ 168,320 | $ 110,000 |
| Pasco, Florida | 24 | $ 3,506,000 | $ 146,083 | $ 99,000 |
| Utah, Utah | 24 | $ 6,517,000 | $ 271,541 | $ 255,000 |
| Madera, California | 23 | $ 3,256,000 | $ 141,565 | $ 84,000 |
| Davis, Utah | 23 | $ 6,301,000 | $ 273,956 | $ 174,000 |
| Charlotte, Florida | 22 | $ 2,978,000 | $ 135,363 | $ 87,000 |
| Hernando, Florida | 22 | $ 3,226,000 | $ 146,636 | $ 103,000 |
| Washoe, Nevada | 22 | $ 5,274,000 | $ 239,727 | $ 102,000 |
| San Luis Obispo, California | 21 | $ 7,986,000 | $ 380,285 | $ 143,000 |
| Clackamas, Oregon | 21 | $ 7,901,000 | $ 376,238 | $ 200,000 |
| Washington, Oregon | 21 | $ 3,747,000 | $ 178,428 | $ 131,000 |
| Loudoun, Virginia | 21 | $ 7,211,000 | $ 343,380 | $ 160,000 |
| Martin, Florida | 19 | $ 8,531,000 | $ 449,000 | $ 262,000 |
| Howard, Maryland | 19 | $ 6,765,000 | $ 356,052 | $ 100,000 |
| Coconino, Arizona | 18 | $ 3,705,000 | $ 205,833 | $ 113,000 |
| Volusia, Florida | 18 | $ 4,096,000 | $ 227,555 | $ 137,000 |
| Pueblo, Colorado | 17 | $ 2,209,000 | $ 129,941 | $ 72,000 |
| Baltimore, Maryland | 17 | $ 5,123,000 | $ 301,352 | $ 104,000 |
| Olmsted, Minnesota | 16 | $ 2,100,000 | $ 131,250 | $ 54,000 |
| Whatcom, Washington | 16 | $ 2,880,000 | $ 180,000 | $ 83,000 |
| Deschutes, Oregon | 15 | $ 3,779,000 | $ 251,933 | $ 206,000 |
| Santa Rosa, Florida | 14 | $ 3,060,000 | $ 218,571 | $ 148,000 |
| Ada, Idaho | 14 | $ 1,566,000 | $ 111,857 | $ 187,000 |
| Yavapai, Arizona | 13 | $ 2,678,000 | $ 206,000 | $ 164,000 |
| Anne Arundel, Maryland | 13 | $ 3,493,000 | $ 268,692 | $ 105,000 |
| Virginia Beach, Virginia | 13 | $ 3,789,000 | $ 291,461 | $ 149,000 |
| El Dorado, California | 12 | $ 6,505,000 | $ 542,083 | $ 231,000 |
| Leon, Florida | 12 | $ 1,987,000 | $ 165,583 | $ 288,000 |
| Sherburne, Minnesota | 11 | $ 1,483,000 | $ 134,818 | $ 102,000 |
| Jackson, Oregon | 11 | $ 1,509,000 | $ 137,181 | $ 91,000 |
| Yuba, California | 10 | $ 1,740,000 | $ 174,000 | $ 146,000 |
| Douglas, Colorado | 10 | $ 3,802,000 | $ 380,200 | $ 247,000 |
| Larimer, Colorado | 10 | $ 3,071,000 | $ 307,100 | $ 152,000 |
| Weld, Colorado | 10 | $ 934,000 | $ 93,400 | $ 78,000 |
| Wright, Minnesota | 10 | $ 1,137,000 | $ 113,700 | $ 81,000 |
| Charleston, South Carolina | 10 | $ 2,297,000 | $ 229,700 | $ 314,000 |
| Washington, Utah | 10 | $ 3,583,000 | $ 358,300 | $ 371,000 |
| Norfolk, Virginia | 10 | $ 1,041,000 | $ 104,100 | $ 77,000 |
| Richmond City, Virginia | 10 | $ 655,000 | $ 65,500 | $ 176,000 |
| Bay, Florida | 9 | $ 2,426,000 | $ 269,555 | $ 234,000 |
| St. Johns, Florida | 9 | $ 2,494,000 | $ 277,111 | $ 184,000 |
| Walton, Florida | 9 | $ 4,178,000 | $ 464,222 | $ 450,000 |
| Kootenai, Idaho | 9 | $ 1,174,000 | $ 130,444 | $ 68,000 |
| Anoka, Minnesota | 9 | $ 2,464,000 | $ 273,777 | $ 250,000 |
| Marion, Oregon | 9 | $ 975,000 | $ 108,333 | $ 93,000 |
| Chesapeake, Virginia | 9 | $ 1,292,000 | $ 143,555 | $ 61,000 |
| Chesterfield, Virginia | 9 | $ 1,229,000 | $ 136,555 | $ 104,000 |
| Manassas, Virginia | 9 | $ 1,458,000 | $ 162,000 | $ 116,000 |
| Imperial, California | 8 | $ 1,244,000 | $ 155,500 | $ 89,000 |
| Nevada, California | 8 | $ 2,857,000 | $ 357,125 | $ 109,000 |
| Clay, Florida | 8 | $ 674,000 | $ 84,250 | $ 105,000 |
| Harford, Maryland | 8 | $ 2,122,000 | $ 265,250 | $ 176,000 |
| Dakota, Minnesota | 8 | $ 1,950,000 | $ 243,750 | $ 129,000 |
| Summit, Utah | 8 | $ 3,868,000 | $ 483,500 | $ 219,000 |
| Tooele, Utah | 8 | $ 606,000 | $ 75,750 | $ 220,000 |
| Henrico, Virginia | 8 | $ 881,000 | $ 110,125 | $ 69,000 |
| Chelan, Washington | 8 | $ 803,000 | $ 100,375 | $ 70,000 |
| Thurston, Washington | 8 | $ 1,239,000 | $ 154,875 | $ 89,000 |
| Lake, California | 7 | $ 1,596,000 | $ 228,000 | $ 95,000 |
| Frederick, Maryland | 7 | $ 1,017,000 | $ 145,285 | $ 218,000 |
| Nye, Nevada | 7 | $ 1,508,000 | $ 215,428 | $ 169,000 |
| Alexandria, Virginia | 7 | $ 2,691,000 | $ 384,428 | $ 180,000 |
| Spotsylvania, Virginia | 7 | $ 1,683,000 | $ 240,428 | $ 213,000 |
| Stafford, Virginia | 7 | $ 1,409,000 | $ 201,285 | $ 167,000 |
| Cochise, Arizona | 6 | $ 521,000 | $ 86,833 | $ 81,000 |
| Butte, California | 6 | $ 903,000 | $ 150,500 | $ 106,000 |
| Humboldt, California | 6 | $ 1,608,000 | $ 268,000 | $ 326,000 |
| Shasta, California | 6 | $ 1,392,000 | $ 232,000 | $ 124,000 |
| Nassau, Florida | 6 | $ 742,000 | $ 123,666 | $ 196,000 |
| Washington, Maryland | 6 | $ 1,185,000 | $ 197,500 | $ 108,000 |
| Weber, Utah | 6 | $ 494,000 | $ 82,333 | $ 110,000 |
| Cowlitz, Washington | 6 | $ 526,000 | $ 87,666 | $ 58,000 |
| Del Norte, California | 5 | $ 500,000 | $ 100,000 | $ 0 |
| Elbert, Colorado | 5 | $ 1,668,000 | $ 333,600 | $ 175,000 |
| Highlands, Florida | 5 | $ 563,000 | $ 112,600 | $ 135,000 |
| Charles, Maryland | 5 | $ 879,000 | $ 175,800 | $ 105,000 |
| Arlington, Virginia | 5 | $ 860,000 | $ 172,000 | $ 48,000 |
| Island, Washington | 5 | $ 851,000 | $ 170,200 | $ 150,000 |
| Kitsap, Washington | 5 | $ 1,381,000 | $ 276,200 | $ 159,000 |
| Carbon, Wyoming | 5 | $ 244,000 | $ 48,800 | $ 36,000 |
| Navajo, Arizona | 4 | $ 375,000 | $ 93,750 | $ 176,000 |
| Kings, California | 4 | $ 572,000 | $ 143,000 | $ 76,000 |
| Mono, California | 4 | $ 1,972,000 | $ 493,000 | $ 406,000 |
| Sutter, California | 4 | $ 465,000 | $ 116,250 | $ 63,000 |
| Broomfield, Colorado | 4 | $ 512,000 | $ 128,000 | $ 157,000 |
| Blaine, Idaho | 4 | $ 1,574,000 | $ 393,500 | $ 143,000 |
| Canyon, Idaho | 4 | $ 310,000 | $ 77,500 | $ 59,000 |
| Carroll, Maryland | 4 | $ 428,000 | $ 107,000 | $ 108,000 |
| Mecklenburg, North Carolina | 4 | $ 227,000 | $ 56,750 | $ 65,000 |
| Jefferson, Oregon | 4 | $ 241,000 | $ 60,250 | $ 105,000 |
| Lincoln, Oregon | 4 | $ 1,419,000 | $ 354,750 | $ 630,000 |
| Yamhill, Oregon | 4 | $ 446,000 | $ 111,500 | $ 387,000 |
| Manassas Park, Virginia | 4 | $ 1,247,000 | $ 311,750 | $ 0 |
| Warren, Virginia | 4 | $ 603,000 | $ 150,750 | $ 25,000 |
| Franklin, Washington | 4 | $ 290,000 | $ 72,500 | $ 94,000 |
| Calaveras, California | 3 | $ 695,000 | $ 231,666 | $ 123,000 |
| Mendocino, California | 3 | $ 752,000 | $ 250,666 | $ 156,000 |
| Archuleta, Colorado | 3 | $ 513,000 | $ 171,000 | $ 86,000 |
| Gunnison, Colorado | 3 | $ 370,000 | $ 123,333 | $ 37,000 |
| Montrose, Colorado | 3 | $ 446,000 | $ 148,666 | $ 120,000 |
| Pitkin, Colorado | 3 | $ 2,282,000 | $ 760,666 | $ 146,000 |
| Routt, Colorado | 3 | $ 535,000 | $ 178,333 | $ 67,000 |
| Escambia, Florida | 3 | $ 225,000 | $ 75,000 | $ 49,000 |
| Scott, Minnesota | 3 | $ 1,220,000 | $ 406,666 | $ 134,000 |
| Lyon, Nevada | 3 | $ 411,000 | $ 137,000 | $ 129,000 |
| Suffolk, Virginia | 3 | $ 570,000 | $ 190,000 | $ 98,000 |
| Teton, Wyoming | 3 | $ 2,079,000 | $ 693,000 | $ 247,000 |
| Apache, Arizona | 2 | $ 355,000 | $ 177,500 | $ 297,000 |
| Gila, Arizona | 2 | $ 263,000 | $ 131,500 | $ 200,000 |
| Yuma, Arizona | 2 | $ 235,000 | $ 117,500 | $ 61,000 |
| Amador, California | 2 | $ 369,000 | $ 184,500 | $ 132,000 |
| Siskiyou, California | 2 | $ 320,000 | $ 160,000 | $ 88,000 |
| Ouray, Colorado | 2 | $ 697,000 | $ 348,500 | $ 75,000 |
| Park, Colorado | 2 | $ 808,000 | $ 404,000 | $ 42,000 |
| Citrus, Florida | 2 | $ 228,000 | $ 114,000 | $ 160,000 |
| Gadsden, Florida | 2 | $ 144,000 | $ 72,000 | $ 66,000 |
| Okaloosa, Florida | 2 | $ 1,170,000 | $ 585,000 | $ 597,000 |
| Sumter, Florida | 2 | $ 157,000 | $ 78,500 | $ 110,000 |
| Bannock, Idaho | 2 | $ 110,000 | $ 55,000 | $ 150,000 |
| Bonneville, Idaho | 2 | $ 203,000 | $ 101,500 | $ 0 |
| Jerome, Idaho | 2 | $ 186,000 | $ 93,000 | $ 61,000 |
| Shoshone, Idaho | 2 | $ 119,000 | $ 59,500 | $ 141,000 |
| Twin Falls, Idaho | 2 | $ 186,000 | $ 93,000 | $ 61,000 |
| St. Mary's, Maryland | 2 | $ 1,254,000 | $ 627,000 | $ 744,000 |
| Talbot, Maryland | 2 | $ 189,000 | $ 94,500 | $ 52,000 |
| Carver, Minnesota | 2 | $ 136,000 | $ 68,000 | $ 96,000 |
| Crow Wing, Minnesota | 2 | $ 750,000 | $ 375,000 | $ 216,000 |
| Isanti, Minnesota | 2 | $ 176,000 | $ 88,000 | $ 88,000 |
| Lake, Minnesota | 2 | $ 408,000 | $ 204,000 | $ 216,000 |
| Le Sueur, Minnesota | 2 | $ 430,000 | $ 215,000 | $ 205,000 |
| McLeod, Minnesota | 2 | $ 149,000 | $ 74,500 | $ 118,000 |
| Nicollet, Minnesota | 2 | $ 244,000 | $ 122,000 | $ 122,000 |
| Rice, Minnesota | 2 | $ 204,000 | $ 102,000 | $ 48,000 |
| Stearns, Minnesota | 2 | $ 165,000 | $ 82,500 | $ 78,000 |
| Steele, Minnesota | 2 | $ 125,000 | $ 62,500 | $ 114,000 |
| Winona, Minnesota | 2 | $ 122,000 | $ 61,000 | $ 75,000 |
| Ravalli, Montana | 2 | $ 168,000 | $ 84,000 | $ 35,000 |
| Douglas, Nevada | 2 | $ 434,000 | $ 217,000 | $ 209,000 |
| Elko, Nevada | 2 | $ 195,000 | $ 97,500 | $ 85,000 |
| Storey, Nevada | 2 | $ 212,000 | $ 106,000 | $ 41,000 |
| Bernalillo, New Mexico | 2 | $ 462,000 | $ 231,000 | $ 76,000 |
| Sandoval, New Mexico | 2 | $ 239,000 | $ 119,500 | $ 162,000 |
| Taos, New Mexico | 2 | $ 212,000 | $ 106,000 | $ 102,000 |
| Valencia, New Mexico | 2 | $ 335,000 | $ 167,500 | $ 148,000 |
| Dare, North Carolina | 2 | $ 689,000 | $ 344,500 | $ 318,000 |
| Guilford, North Carolina | 2 | $ 109,000 | $ 54,500 | $ 83,000 |
| New Hanover, North Carolina | 2 | $ 341,000 | $ 170,500 | $ 250,000 |
| Onslow, North Carolina | 2 | $ 92,000 | $ 46,000 | $ 0 |
| Pitt, North Carolina | 2 | $ 107,000 | $ 53,500 | $ 48,000 |
| Union, North Carolina | 2 | $ 347,000 | $ 173,500 | $ 108,000 |
| Benton, Oregon | 2 | $ 261,000 | $ 130,500 | $ 111,000 |
| Columbia, Oregon | 2 | $ 166,000 | $ 83,000 | $ 46,000 |
| Coos, Oregon | 2 | $ 207,000 | $ 103,500 | $ 72,000 |
| Linn, Oregon | 2 | $ 118,000 | $ 59,000 | $ 25,000 |
| Wasco, Oregon | 2 | $ 158,000 | $ 79,000 | $ 59,000 |
| Richland, South Carolina | 2 | $ 168,000 | $ 84,000 | $ 138,000 |
| Henry, Virginia | 2 | $ 251,000 | $ 125,500 | $ 90,000 |
| Hopewell, Virginia | 2 | $ 115,000 | $ 57,500 | $ 83,000 |
| King George, Virginia | 2 | $ 134,000 | $ 67,000 | $ 121,000 |
| Lancaster, Virginia | 2 | $ 1,251,000 | $ 625,500 | $ 616,000 |
| Petersburg, Virginia | 2 | $ 197,000 | $ 98,500 | $ 109,000 |
| Portsmouth, Virginia | 2 | $ 132,000 | $ 66,000 | $ 132,000 |
| Roanoke, Virginia | 2 | $ 142,000 | $ 71,000 | $ 96,000 |
| Douglas, Washington | 2 | $ 95,000 | $ 47,500 | $ 192,000 |
| Grays Harbor, Washington | 2 | $ 160,000 | $ 80,000 | $ 59,000 |
| Jefferson, Washington | 2 | $ 380,000 | $ 190,000 | $ 216,000 |
| Lewis, Washington | 2 | $ 456,000 | $ 228,000 | $ 95,000 |
| Mason, Washington | 2 | $ 169,000 | $ 84,500 | $ 0 |
| Skamania, Washington | 2 | $ 122,000 | $ 61,000 | $ 61,000 |
| Spokane, Washington | 2 | $ 266,000 | $ 133,000 | $ 167,000 |
| Lincoln, Wyoming | 2 | $ 428,000 | $ 214,000 | $ 240,000 |
| La Paz, Arizona | 1 | $ 500,000 | $ 500,000 | $ 342,000 |
| Glenn, California | 1 | $ 119,000 | $ 119,000 | $ 114,000 |
| Plumas, California | 1 | $ 191,000 | $ 191,000 | $ 90,000 |
| Sierra, California | 1 | $ 263,000 | $ 263,000 | $ 204,000 |
| Tuolumne, California | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| Boulder, Colorado | 1 | $ 456,000 | $ 456,000 | $ 124,000 |
| Alachua, Florida | 1 | $ 98,000 | $ 98,000 | $ 72,000 |
| Boundary, Idaho | 1 | $ 72,000 | $ 72,000 | $ 48,000 |
| Becker, Minnesota | 1 | $ 126,000 | $ 126,000 | $ 63,000 |
| Beltrami, Minnesota | 1 | $ 110,000 | $ 110,000 | $ 29,000 |
| Chisago, Minnesota | 1 | $ 324,000 | $ 324,000 | $ 83,000 |
| Hancock, Mississippi | 1 | $ 1,000,000 | $ 1,000,000 | $ 237,000 |
| Yellowstone, Montana | 1 | $ 188,000 | $ 188,000 | $ 71,000 |
| Forsyth, North Carolina | 1 | $ 288,000 | $ 288,000 | $ 138,000 |
| Josephine, Oregon | 1 | $ 171,000 | $ 171,000 | $ 50,000 |
| Lane, Oregon | 1 | $ 146,000 | $ 146,000 | $ 81,000 |
| Polk, Oregon | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Blount, Tennessee | 1 | $ 800,000 | $ 800,000 | $ 210,000 |
| Jefferson, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 78,000 |
| Grand, Utah | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Iron, Utah | 1 | $ 98,000 | $ 98,000 | $ 217,000 |
| Wasatch, Utah | 1 | $ 103,000 | $ 103,000 | $ 53,000 |
| Fauquier, Virginia | 1 | $ 584,000 | $ 584,000 | $ 103,000 |
| Frederick, Virginia | 1 | $ 168,000 | $ 168,000 | $ 49,000 |
| Hanover, Virginia | 1 | $ 81,000 | $ 81,000 | $ 82,000 |
| James City, Virginia | 1 | $ 522,000 | $ 522,000 | $ 0 |
| Park, Wyoming | 1 | $ 241,000 | $ 241,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for Express Capital Lending in 2005
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 | 8,401 | $2,192,033,000 | $186,473 | $2,000,000 | $146,947 | $4,742,000 |
| Refinancing | 3,809 | $1,269,474,000 | $368,473 | $2,400,000 | $154,157 | $3,000,000 |
| Home Improvement | 967 | $334,536,000 | $276,583 | $2,000,000 | $144,083 | $1,348,000 |
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 | 5,412 | $1,670,442,000 | $288,350 | $2,400,000 | $162,550 | $3,600,000 |
| Hispanic | 3,490 | $884,966,000 | $180,600 | $2,000,000 | $147,666 | $3,000,000 |
| Not Provided | 1,489 | $476,954,000 | $264,214 | $2,000,000 | $167,071 | $1,992,000 |
| Asian | 1,484 | $418,968,000 | $180,692 | $2,000,000 | $141,384 | $4,742,000 |
| Black or African American | 1,113 | $285,127,000 | $254,909 | $1,995,000 | $121,272 | $840,000 |
| Native Hawaiian or Other Pacific Islander | 161 | $49,658,000 | $238,500 | $1,112,000 | $145,300 | $1,101,000 |
| American Indian or Alaskan Native | 28 | $9,928,000 | $513,666 | $1,500,000 | $233,666 | $516,000 |
| 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) | 13,177 | $3,796,043,000 | $269,100 | $2,400,000 | $154,550 | $4,742,000 |
| 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 | 6,024 | $1,679,388,000 | $307,764 | $2,045,000 | $146,000 | $2,925,000 |
| Application Denied By Financial Institution | 3,296 | $995,919,000 | $222,470 | $2,400,000 | $159,764 | $4,742,000 |
| Application Approved But Not Accepted | 1,941 | $562,375,000 | $215,166 | $2,000,000 | $139,722 | $3,000,000 |
| Application Withdrawn By Applicant | 992 | $291,475,000 | $281,062 | $1,950,000 | $190,937 | $1,398,000 |
| File Closed For Incompleteness | 924 | $266,886,000 | $249,250 | $2,000,000 | $148,062 | $1,900,000 |
| 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 | 1,126 | $338,684,000 | $221,333 | $2,100,000 | $190,666 | $4,742,000 |
| Credit History | 899 | $260,127,000 | $249,642 | $1,920,000 | $131,000 | $3,600,000 |
| Collateral | 571 | $170,326,000 | $257,800 | $2,400,000 | $207,333 | $1,800,000 |
| Unverifiable Information | 235 | $74,015,000 | $228,076 | $1,820,000 | $133,538 | $1,398,000 |
| Debt-To-Income Ratio | 186 | $60,760,000 | $285,230 | $2,000,000 | $110,692 | $1,914,000 |
| Credit Application Incomplete | 124 | $39,559,000 | $426,000 | $1,985,000 | $175,444 | $822,000 |
| Employment History | 109 | $39,859,000 | $311,636 | $2,000,000 | $155,818 | $936,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 46 | $12,589,000 | $178,125 | $1,500,000 | $144,375 | $540,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Express Capital Lending's 2005 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About