Express Capital Lending
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Express Capital Lending 2005 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 | 13,177 |
| Total Mortgage Loan Application Amount | $3,796,043,000 |
| Average Mortgage Loan Application Amount | $277,260 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $149,000 |
| Highest Applicant Income | $4,742,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 2,102 | $ 716,570,000 | $ 340,000 | $ 183,000 |
| Orange County California | 980 | $ 383,171,000 | $ 390,000 | $ 176,000 |
| San Diego County California | 856 | $ 292,894,000 | $ 342,000 | $ 157,000 |
| Riverside County California | 746 | $ 197,502,000 | $ 264,000 | $ 135,000 |
| Maricopa County Arizona | 497 | $ 104,547,000 | $ 210,000 | $ 160,000 |
| San Bernardino County California | 475 | $ 99,789,000 | $ 210,000 | $ 119,000 |
| Clark County Nevada | 435 | $ 99,234,000 | $ 228,000 | $ 157,000 |
| Broward County Florida | 434 | $ 92,689,000 | $ 213,000 | $ 151,000 |
| Miami-Dade County Florida | 415 | $ 122,079,000 | $ 294,000 | $ 212,000 |
| Palm Beach County Florida | 273 | $ 65,099,000 | $ 238,000 | $ 150,000 |
| Contra Costa County California | 256 | $ 91,857,000 | $ 358,000 | $ 197,000 |
| Alameda County California | 252 | $ 95,181,000 | $ 377,000 | $ 163,000 |
| Santa Clara County California | 250 | $ 102,476,000 | $ 409,000 | $ 155,000 |
| Sacramento County California | 179 | $ 43,153,000 | $ 241,000 | $ 112,000 |
| Maui County Hawaii | 167 | $ 56,542,000 | $ 338,000 | $ 145,000 |
| Ventura County California | 161 | $ 62,502,000 | $ 388,000 | $ 201,000 |
| Orange County Florida | 161 | $ 30,759,000 | $ 191,000 | $ 206,000 |
| Kern County California | 156 | $ 25,373,000 | $ 162,000 | $ 114,000 |
| Monterey County California | 153 | $ 53,368,000 | $ 348,000 | $ 159,000 |
| Lee County Florida | 149 | $ 26,907,000 | $ 180,000 | $ 145,000 |
| San Joaquin County California | 124 | $ 30,647,000 | $ 247,000 | $ 116,000 |
| Fairfax County Virginia | 120 | $ 39,221,000 | $ 326,000 | $ 159,000 |
| Solano County California | 108 | $ 31,928,000 | $ 295,000 | $ 144,000 |
| San Mateo County California | 97 | $ 40,476,000 | $ 417,000 | $ 135,000 |
| Montgomery County Maryland | 96 | $ 31,707,000 | $ 330,000 | $ 149,000 |
| Stanislaus County California | 88 | $ 22,554,000 | $ 256,000 | $ 157,000 |
| Salt Lake County Utah | 88 | $ 16,569,000 | $ 188,000 | $ 210,000 |
| Hillsborough County Florida | 87 | $ 15,221,000 | $ 174,000 | $ 109,000 |
| Sarasota County Florida | 81 | $ 14,624,000 | $ 180,000 | $ 107,000 |
| Hennepin County Minnesota | 79 | $ 16,274,000 | $ 206,000 | $ 275,000 |
| Prince William County Virginia | 74 | $ 20,403,000 | $ 275,000 | $ 84,000 |
| Fresno County California | 71 | $ 10,442,000 | $ 147,000 | $ 150,000 |
| Sonoma County California | 70 | $ 27,099,000 | $ 387,000 | $ 133,000 |
| Honolulu County Hawaii | 70 | $ 29,375,000 | $ 419,000 | $ 173,000 |
| Prince George's County Maryland | 67 | $ 14,550,000 | $ 217,000 | $ 115,000 |
| Santa Cruz County California | 63 | $ 28,607,000 | $ 454,000 | $ 190,000 |
| Seminole County Florida | 56 | $ 17,824,000 | $ 318,000 | $ 175,000 |
| Placer County California | 55 | $ 17,097,000 | $ 310,000 | $ 151,000 |
| Monroe County Florida | 55 | $ 24,930,000 | $ 453,000 | $ 294,000 |
| Pinellas County Florida | 53 | $ 13,902,000 | $ 262,000 | $ 221,000 |
| Multnomah County Oregon | 52 | $ 6,579,000 | $ 126,000 | $ 133,000 |
| Denver County Colorado | 51 | $ 6,497,000 | $ 127,000 | $ 80,000 |
| Pima County Arizona | 49 | $ 7,841,000 | $ 160,000 | $ 133,000 |
| Santa Barbara County California | 49 | $ 21,031,000 | $ 429,000 | $ 169,000 |
| Polk County Florida | 49 | $ 4,632,000 | $ 94,000 | $ 108,000 |
| Collier County Florida | 47 | $ 17,507,000 | $ 372,000 | $ 200,000 |
| St. Lucie County Florida | 47 | $ 7,981,000 | $ 169,000 | $ 155,000 |
| Merced County California | 46 | $ 9,022,000 | $ 196,000 | $ 81,000 |
| King County Washington | 46 | $ 13,140,000 | $ 285,000 | $ 173,000 |
| Pinal County Arizona | 43 | $ 5,864,000 | $ 136,000 | $ 136,000 |
| Snohomish County Washington | 41 | $ 6,801,000 | $ 165,000 | $ 85,000 |
| San Francisco County California | 40 | $ 21,508,000 | $ 537,000 | $ 225,000 |
| Napa County California | 39 | $ 14,062,000 | $ 360,000 | $ 171,000 |
| Duval County Florida | 38 | $ 5,265,000 | $ 138,000 | $ 102,000 |
| Lake County Florida | 38 | $ 5,453,000 | $ 143,000 | $ 140,000 |
| Manatee County Florida | 38 | $ 10,913,000 | $ 287,000 | $ 203,000 |
| Osceola County Florida | 38 | $ 8,970,000 | $ 236,000 | $ 122,000 |
| Ramsey County Minnesota | 38 | $ 5,431,000 | $ 142,000 | $ 116,000 |
| El Paso County Colorado | 37 | $ 9,292,000 | $ 251,000 | $ 225,000 |
| Kauai County Hawaii | 36 | $ 16,627,000 | $ 461,000 | $ 249,000 |
| Pierce County Washington | 35 | $ 5,047,000 | $ 144,000 | $ 110,000 |
| Arapahoe County Colorado | 34 | $ 12,833,000 | $ 377,000 | $ 183,000 |
| Mohave County Arizona | 32 | $ 4,233,000 | $ 132,000 | $ 142,000 |
| Clark County Washington | 32 | $ 4,123,000 | $ 128,000 | $ 78,000 |
| Marin County California | 31 | $ 19,075,000 | $ 615,000 | $ 323,000 |
| Baltimore City County Maryland | 31 | $ 4,403,000 | $ 142,000 | $ 109,000 |
| Tulare County California | 30 | $ 3,669,000 | $ 122,000 | $ 182,000 |
| Marion County Florida | 30 | $ 2,227,000 | $ 74,000 | $ 89,000 |
| Hawaii County Hawaii | 29 | $ 20,706,000 | $ 714,000 | $ 359,000 |
| Washington County Minnesota | 29 | $ 3,849,000 | $ 132,000 | $ 129,000 |
| Brevard County Florida | 28 | $ 5,662,000 | $ 202,000 | $ 121,000 |
| Yolo County California | 27 | $ 7,700,000 | $ 285,000 | $ 219,000 |
| Jefferson County Colorado | 27 | $ 7,245,000 | $ 268,000 | $ 168,000 |
| Flagler County Florida | 26 | $ 3,666,000 | $ 141,000 | $ 113,000 |
| San Benito County California | 25 | $ 10,745,000 | $ 429,000 | $ 126,000 |
| Adams County Colorado | 25 | $ 4,208,000 | $ 168,000 | $ 110,000 |
| Pasco County Florida | 24 | $ 3,506,000 | $ 146,000 | $ 99,000 |
| Utah County Utah | 24 | $ 6,517,000 | $ 271,000 | $ 255,000 |
| Madera County California | 23 | $ 3,256,000 | $ 141,000 | $ 84,000 |
| Davis County Utah | 23 | $ 6,301,000 | $ 273,000 | $ 174,000 |
| Charlotte County Florida | 22 | $ 2,978,000 | $ 135,000 | $ 87,000 |
| Hernando County Florida | 22 | $ 3,226,000 | $ 146,000 | $ 103,000 |
| Washoe County Nevada | 22 | $ 5,274,000 | $ 239,000 | $ 102,000 |
| San Luis Obispo County California | 21 | $ 7,986,000 | $ 380,000 | $ 143,000 |
| Clackamas County Oregon | 21 | $ 7,901,000 | $ 376,000 | $ 200,000 |
| Washington County Oregon | 21 | $ 3,747,000 | $ 178,000 | $ 131,000 |
| Loudoun County Virginia | 21 | $ 7,211,000 | $ 343,000 | $ 160,000 |
| Martin County Florida | 19 | $ 8,531,000 | $ 449,000 | $ 262,000 |
| Howard County Maryland | 19 | $ 6,765,000 | $ 356,000 | $ 100,000 |
| Coconino County Arizona | 18 | $ 3,705,000 | $ 205,000 | $ 113,000 |
| Volusia County Florida | 18 | $ 4,096,000 | $ 227,000 | $ 137,000 |
| Pueblo County Colorado | 17 | $ 2,209,000 | $ 129,000 | $ 72,000 |
| Baltimore County Maryland | 17 | $ 5,123,000 | $ 301,000 | $ 104,000 |
| Olmsted County Minnesota | 16 | $ 2,100,000 | $ 131,000 | $ 54,000 |
| Whatcom County Washington | 16 | $ 2,880,000 | $ 180,000 | $ 83,000 |
| Deschutes County Oregon | 15 | $ 3,779,000 | $ 251,000 | $ 206,000 |
| Santa Rosa County Florida | 14 | $ 3,060,000 | $ 218,000 | $ 148,000 |
| Ada County Idaho | 14 | $ 1,566,000 | $ 111,000 | $ 187,000 |
| Yavapai County Arizona | 13 | $ 2,678,000 | $ 206,000 | $ 164,000 |
| Anne Arundel County Maryland | 13 | $ 3,493,000 | $ 268,000 | $ 105,000 |
| Virginia Beach County Virginia | 13 | $ 3,789,000 | $ 291,000 | $ 149,000 |
| El Dorado County California | 12 | $ 6,505,000 | $ 542,000 | $ 231,000 |
| Leon County Florida | 12 | $ 1,987,000 | $ 165,000 | $ 288,000 |
| Sherburne County Minnesota | 11 | $ 1,483,000 | $ 134,000 | $ 102,000 |
| Jackson County Oregon | 11 | $ 1,509,000 | $ 137,000 | $ 91,000 |
| Yuba County California | 10 | $ 1,740,000 | $ 174,000 | $ 146,000 |
| Douglas County Colorado | 10 | $ 3,802,000 | $ 380,000 | $ 247,000 |
| Larimer County Colorado | 10 | $ 3,071,000 | $ 307,000 | $ 152,000 |
| Weld County Colorado | 10 | $ 934,000 | $ 93,000 | $ 78,000 |
| Wright County Minnesota | 10 | $ 1,137,000 | $ 113,000 | $ 81,000 |
| Charleston County South Carolina | 10 | $ 2,297,000 | $ 229,000 | $ 314,000 |
| Washington County Utah | 10 | $ 3,583,000 | $ 358,000 | $ 371,000 |
| Norfolk County Virginia | 10 | $ 1,041,000 | $ 104,000 | $ 77,000 |
| Richmond City County Virginia | 10 | $ 655,000 | $ 65,000 | $ 176,000 |
| Bay County Florida | 9 | $ 2,426,000 | $ 269,000 | $ 234,000 |
| St. Johns County Florida | 9 | $ 2,494,000 | $ 277,000 | $ 184,000 |
| Walton County Florida | 9 | $ 4,178,000 | $ 464,000 | $ 450,000 |
| Kootenai County Idaho | 9 | $ 1,174,000 | $ 130,000 | $ 68,000 |
| Anoka County Minnesota | 9 | $ 2,464,000 | $ 273,000 | $ 250,000 |
| Marion County Oregon | 9 | $ 975,000 | $ 108,000 | $ 93,000 |
| Chesapeake County Virginia | 9 | $ 1,292,000 | $ 143,000 | $ 61,000 |
| Chesterfield County Virginia | 9 | $ 1,229,000 | $ 136,000 | $ 104,000 |
| Manassas County Virginia | 9 | $ 1,458,000 | $ 162,000 | $ 116,000 |
| Imperial County California | 8 | $ 1,244,000 | $ 155,000 | $ 89,000 |
| Nevada County California | 8 | $ 2,857,000 | $ 357,000 | $ 109,000 |
| Clay County Florida | 8 | $ 674,000 | $ 84,000 | $ 105,000 |
| Harford County Maryland | 8 | $ 2,122,000 | $ 265,000 | $ 176,000 |
| Dakota County Minnesota | 8 | $ 1,950,000 | $ 243,000 | $ 129,000 |
| Summit County Utah | 8 | $ 3,868,000 | $ 483,000 | $ 219,000 |
| Tooele County Utah | 8 | $ 606,000 | $ 75,000 | $ 220,000 |
| Henrico County Virginia | 8 | $ 881,000 | $ 110,000 | $ 69,000 |
| Chelan County Washington | 8 | $ 803,000 | $ 100,000 | $ 70,000 |
| Thurston County Washington | 8 | $ 1,239,000 | $ 154,000 | $ 89,000 |
| Lake County California | 7 | $ 1,596,000 | $ 228,000 | $ 95,000 |
| Frederick County Maryland | 7 | $ 1,017,000 | $ 145,000 | $ 218,000 |
| Nye County Nevada | 7 | $ 1,508,000 | $ 215,000 | $ 169,000 |
| Alexandria County Virginia | 7 | $ 2,691,000 | $ 384,000 | $ 180,000 |
| Spotsylvania County Virginia | 7 | $ 1,683,000 | $ 240,000 | $ 213,000 |
| Stafford County Virginia | 7 | $ 1,409,000 | $ 201,000 | $ 167,000 |
| Cochise County Arizona | 6 | $ 521,000 | $ 86,000 | $ 81,000 |
| Butte County California | 6 | $ 903,000 | $ 150,000 | $ 106,000 |
| Humboldt County California | 6 | $ 1,608,000 | $ 268,000 | $ 326,000 |
| Shasta County California | 6 | $ 1,392,000 | $ 232,000 | $ 124,000 |
| Nassau County Florida | 6 | $ 742,000 | $ 123,000 | $ 196,000 |
| Washington County Maryland | 6 | $ 1,185,000 | $ 197,000 | $ 108,000 |
| Weber County Utah | 6 | $ 494,000 | $ 82,000 | $ 110,000 |
| Cowlitz County Washington | 6 | $ 526,000 | $ 87,000 | $ 58,000 |
| Del Norte County California | 5 | $ 500,000 | $ 100,000 | $ 0 |
| Elbert County Colorado | 5 | $ 1,668,000 | $ 333,000 | $ 175,000 |
| Highlands County Florida | 5 | $ 563,000 | $ 112,000 | $ 135,000 |
| Charles County Maryland | 5 | $ 879,000 | $ 175,000 | $ 105,000 |
| Arlington County Virginia | 5 | $ 860,000 | $ 172,000 | $ 48,000 |
| Island County Washington | 5 | $ 851,000 | $ 170,000 | $ 150,000 |
| Kitsap County Washington | 5 | $ 1,381,000 | $ 276,000 | $ 159,000 |
| Carbon County Wyoming | 5 | $ 244,000 | $ 48,000 | $ 36,000 |
| Navajo County Arizona | 4 | $ 375,000 | $ 93,000 | $ 176,000 |
| Kings County California | 4 | $ 572,000 | $ 143,000 | $ 76,000 |
| Mono County California | 4 | $ 1,972,000 | $ 493,000 | $ 406,000 |
| Sutter County California | 4 | $ 465,000 | $ 116,000 | $ 63,000 |
| Broomfield County Colorado | 4 | $ 512,000 | $ 128,000 | $ 157,000 |
| Blaine County Idaho | 4 | $ 1,574,000 | $ 393,000 | $ 143,000 |
| Canyon County Idaho | 4 | $ 310,000 | $ 77,000 | $ 59,000 |
| Carroll County Maryland | 4 | $ 428,000 | $ 107,000 | $ 108,000 |
| Mecklenburg County North Carolina | 4 | $ 227,000 | $ 56,000 | $ 65,000 |
| Jefferson County Oregon | 4 | $ 241,000 | $ 60,000 | $ 105,000 |
| Lincoln County Oregon | 4 | $ 1,419,000 | $ 354,000 | $ 630,000 |
| Yamhill County Oregon | 4 | $ 446,000 | $ 111,000 | $ 387,000 |
| Manassas Park County Virginia | 4 | $ 1,247,000 | $ 311,000 | $ 0 |
| Warren County Virginia | 4 | $ 603,000 | $ 150,000 | $ 25,000 |
| Franklin County Washington | 4 | $ 290,000 | $ 72,000 | $ 94,000 |
| Calaveras County California | 3 | $ 695,000 | $ 231,000 | $ 123,000 |
| Mendocino County California | 3 | $ 752,000 | $ 250,000 | $ 156,000 |
| Archuleta County Colorado | 3 | $ 513,000 | $ 171,000 | $ 86,000 |
| Gunnison County Colorado | 3 | $ 370,000 | $ 123,000 | $ 37,000 |
| Montrose County Colorado | 3 | $ 446,000 | $ 148,000 | $ 120,000 |
| Pitkin County Colorado | 3 | $ 2,282,000 | $ 760,000 | $ 146,000 |
| Routt County Colorado | 3 | $ 535,000 | $ 178,000 | $ 67,000 |
| Escambia County Florida | 3 | $ 225,000 | $ 75,000 | $ 49,000 |
| Scott County Minnesota | 3 | $ 1,220,000 | $ 406,000 | $ 134,000 |
| Lyon County Nevada | 3 | $ 411,000 | $ 137,000 | $ 129,000 |
| Suffolk County Virginia | 3 | $ 570,000 | $ 190,000 | $ 98,000 |
| Teton County Wyoming | 3 | $ 2,079,000 | $ 693,000 | $ 247,000 |
| Apache County Arizona | 2 | $ 355,000 | $ 177,000 | $ 297,000 |
| Gila County Arizona | 2 | $ 263,000 | $ 131,000 | $ 200,000 |
| Yuma County Arizona | 2 | $ 235,000 | $ 117,000 | $ 61,000 |
| Amador County California | 2 | $ 369,000 | $ 184,000 | $ 132,000 |
| Siskiyou County California | 2 | $ 320,000 | $ 160,000 | $ 88,000 |
| Ouray County Colorado | 2 | $ 697,000 | $ 348,000 | $ 75,000 |
| Park County Colorado | 2 | $ 808,000 | $ 404,000 | $ 42,000 |
| Citrus County Florida | 2 | $ 228,000 | $ 114,000 | $ 160,000 |
| Gadsden County Florida | 2 | $ 144,000 | $ 72,000 | $ 66,000 |
| Okaloosa County Florida | 2 | $ 1,170,000 | $ 585,000 | $ 597,000 |
| Sumter County Florida | 2 | $ 157,000 | $ 78,000 | $ 110,000 |
| Bannock County Idaho | 2 | $ 110,000 | $ 55,000 | $ 150,000 |
| Bonneville County Idaho | 2 | $ 203,000 | $ 101,000 | $ 0 |
| Jerome County Idaho | 2 | $ 186,000 | $ 93,000 | $ 61,000 |
| Shoshone County Idaho | 2 | $ 119,000 | $ 59,000 | $ 141,000 |
| Twin Falls County Idaho | 2 | $ 186,000 | $ 93,000 | $ 61,000 |
| St. Mary's County Maryland | 2 | $ 1,254,000 | $ 627,000 | $ 744,000 |
| Talbot County Maryland | 2 | $ 189,000 | $ 94,000 | $ 52,000 |
| Carver County Minnesota | 2 | $ 136,000 | $ 68,000 | $ 96,000 |
| Crow Wing County Minnesota | 2 | $ 750,000 | $ 375,000 | $ 216,000 |
| Isanti County Minnesota | 2 | $ 176,000 | $ 88,000 | $ 88,000 |
| Lake County Minnesota | 2 | $ 408,000 | $ 204,000 | $ 216,000 |
| Le Sueur County Minnesota | 2 | $ 430,000 | $ 215,000 | $ 205,000 |
| McLeod County Minnesota | 2 | $ 149,000 | $ 74,000 | $ 118,000 |
| Nicollet County Minnesota | 2 | $ 244,000 | $ 122,000 | $ 122,000 |
| Rice County Minnesota | 2 | $ 204,000 | $ 102,000 | $ 48,000 |
| Stearns County Minnesota | 2 | $ 165,000 | $ 82,000 | $ 78,000 |
| Steele County Minnesota | 2 | $ 125,000 | $ 62,000 | $ 114,000 |
| Winona County Minnesota | 2 | $ 122,000 | $ 61,000 | $ 75,000 |
| Ravalli County Montana | 2 | $ 168,000 | $ 84,000 | $ 35,000 |
| Douglas County Nevada | 2 | $ 434,000 | $ 217,000 | $ 209,000 |
| Elko County Nevada | 2 | $ 195,000 | $ 97,000 | $ 85,000 |
| Storey County Nevada | 2 | $ 212,000 | $ 106,000 | $ 41,000 |
| Bernalillo County New Mexico | 2 | $ 462,000 | $ 231,000 | $ 76,000 |
| Sandoval County New Mexico | 2 | $ 239,000 | $ 119,000 | $ 162,000 |
| Taos County New Mexico | 2 | $ 212,000 | $ 106,000 | $ 102,000 |
| Valencia County New Mexico | 2 | $ 335,000 | $ 167,000 | $ 148,000 |
| Dare County North Carolina | 2 | $ 689,000 | $ 344,000 | $ 318,000 |
| Guilford County North Carolina | 2 | $ 109,000 | $ 54,000 | $ 83,000 |
| New Hanover County North Carolina | 2 | $ 341,000 | $ 170,000 | $ 250,000 |
| Onslow County North Carolina | 2 | $ 92,000 | $ 46,000 | $ 0 |
| Pitt County North Carolina | 2 | $ 107,000 | $ 53,000 | $ 48,000 |
| Union County North Carolina | 2 | $ 347,000 | $ 173,000 | $ 108,000 |
| Benton County Oregon | 2 | $ 261,000 | $ 130,000 | $ 111,000 |
| Columbia County Oregon | 2 | $ 166,000 | $ 83,000 | $ 46,000 |
| Coos County Oregon | 2 | $ 207,000 | $ 103,000 | $ 72,000 |
| Linn County Oregon | 2 | $ 118,000 | $ 59,000 | $ 25,000 |
| Wasco County Oregon | 2 | $ 158,000 | $ 79,000 | $ 59,000 |
| Richland County South Carolina | 2 | $ 168,000 | $ 84,000 | $ 138,000 |
| Henry County Virginia | 2 | $ 251,000 | $ 125,000 | $ 90,000 |
| Hopewell County Virginia | 2 | $ 115,000 | $ 57,000 | $ 83,000 |
| King George County Virginia | 2 | $ 134,000 | $ 67,000 | $ 121,000 |
| Lancaster County Virginia | 2 | $ 1,251,000 | $ 625,000 | $ 616,000 |
| Petersburg County Virginia | 2 | $ 197,000 | $ 98,000 | $ 109,000 |
| Portsmouth County Virginia | 2 | $ 132,000 | $ 66,000 | $ 132,000 |
| Roanoke County Virginia | 2 | $ 142,000 | $ 71,000 | $ 96,000 |
| Douglas County Washington | 2 | $ 95,000 | $ 47,000 | $ 192,000 |
| Grays Harbor County Washington | 2 | $ 160,000 | $ 80,000 | $ 59,000 |
| Jefferson County Washington | 2 | $ 380,000 | $ 190,000 | $ 216,000 |
| Lewis County Washington | 2 | $ 456,000 | $ 228,000 | $ 95,000 |
| Mason County Washington | 2 | $ 169,000 | $ 84,000 | $ 0 |
| Skamania County Washington | 2 | $ 122,000 | $ 61,000 | $ 61,000 |
| Spokane County Washington | 2 | $ 266,000 | $ 133,000 | $ 167,000 |
| Lincoln County Wyoming | 2 | $ 428,000 | $ 214,000 | $ 240,000 |
| La Paz County Arizona | 1 | $ 500,000 | $ 500,000 | $ 342,000 |
| Glenn County California | 1 | $ 119,000 | $ 119,000 | $ 114,000 |
| Plumas County California | 1 | $ 191,000 | $ 191,000 | $ 90,000 |
| Sierra County California | 1 | $ 263,000 | $ 263,000 | $ 204,000 |
| Tuolumne County California | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| Boulder County Colorado | 1 | $ 456,000 | $ 456,000 | $ 124,000 |
| Alachua County Florida | 1 | $ 98,000 | $ 98,000 | $ 72,000 |
| Boundary County Idaho | 1 | $ 72,000 | $ 72,000 | $ 48,000 |
| Becker County Minnesota | 1 | $ 126,000 | $ 126,000 | $ 63,000 |
| Beltrami County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 29,000 |
| Chisago County Minnesota | 1 | $ 324,000 | $ 324,000 | $ 83,000 |
| Hancock County Mississippi | 1 | $ 1,000,000 | $ 1,000,000 | $ 237,000 |
| Yellowstone County Montana | 1 | $ 188,000 | $ 188,000 | $ 71,000 |
| Forsyth County North Carolina | 1 | $ 288,000 | $ 288,000 | $ 138,000 |
| Josephine County Oregon | 1 | $ 171,000 | $ 171,000 | $ 50,000 |
| Lane County Oregon | 1 | $ 146,000 | $ 146,000 | $ 81,000 |
| Polk County Oregon | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Blount County Tennessee | 1 | $ 800,000 | $ 800,000 | $ 210,000 |
| Jefferson County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 78,000 |
| Grand County Utah | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Iron County Utah | 1 | $ 98,000 | $ 98,000 | $ 217,000 |
| Wasatch County Utah | 1 | $ 103,000 | $ 103,000 | $ 53,000 |
| Fauquier County Virginia | 1 | $ 584,000 | $ 584,000 | $ 103,000 |
| Frederick County Virginia | 1 | $ 168,000 | $ 168,000 | $ 49,000 |
| Hanover County Virginia | 1 | $ 81,000 | $ 81,000 | $ 82,000 |
| James City County Virginia | 1 | $ 522,000 | $ 522,000 | $ 0 |
| Park County 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.