Express Capital Lending Mortgage Lending & HMDA Data, 2006
In 2006, Express Capital Lending of Costa Mesa, CA reported 11,092 mortgage applications totaling $3.2 billion, down 16% from 2005. The average application was for $291,821, and applicants reported an average income of $160,426. 34% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,882), Riverside-San Bernardino-Ontario, CA (1,284) and Santa Ana-Anaheim-Irvine, CA (659) (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 | 11,092 |
| Total Mortgage Loan Application Amount | $3,236,881,000 |
| Average Mortgage Loan Application Amount | $291,821 |
| Highest Mortgage Loan Application Amount | $2,075,000 |
| Average Applicant Income | $160,426 |
| Highest Applicant Income | $2,160,000 |
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(HMDA) records Express Capital Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,884 | $ 636,961,000 | $ 338,089 | $ 163,000 |
| Riverside, California | 739 | $ 207,293,000 | $ 280,504 | $ 151,000 |
| Orange, California | 660 | $ 263,560,000 | $ 399,333 | $ 202,000 |
| San Diego, California | 566 | $ 196,785,000 | $ 347,676 | $ 177,000 |
| San Bernardino, California | 546 | $ 134,390,000 | $ 246,135 | $ 140,000 |
| Broward, Florida | 411 | $ 92,661,000 | $ 225,452 | $ 139,000 |
| Maricopa, Arizona | 406 | $ 93,371,000 | $ 229,977 | $ 145,000 |
| Miami-Dade, Florida | 397 | $ 102,829,000 | $ 259,015 | $ 165,000 |
| Clark, Nevada | 299 | $ 70,796,000 | $ 236,775 | $ 154,000 |
| Palm Beach, Florida | 232 | $ 58,062,000 | $ 250,267 | $ 164,000 |
| Alameda, California | 209 | $ 77,599,000 | $ 371,287 | $ 183,000 |
| Sacramento, California | 192 | $ 45,654,000 | $ 237,781 | $ 136,000 |
| Contra Costa, California | 182 | $ 64,794,000 | $ 356,010 | $ 190,000 |
| Orange, Florida | 177 | $ 37,945,000 | $ 214,378 | $ 133,000 |
| Santa Clara, California | 156 | $ 65,182,000 | $ 417,833 | $ 182,000 |
| Lee, Florida | 146 | $ 28,094,000 | $ 192,424 | $ 149,000 |
| Hillsborough, Florida | 138 | $ 25,487,000 | $ 184,688 | $ 124,000 |
| Ventura, California | 127 | $ 46,921,000 | $ 369,456 | $ 182,000 |
| Prince George's, Maryland | 126 | $ 33,316,000 | $ 264,412 | $ 164,000 |
| King, Washington | 110 | $ 31,052,000 | $ 282,290 | $ 168,000 |
| Solano, California | 100 | $ 29,797,000 | $ 297,970 | $ 163,000 |
| Maui, Hawaii | 96 | $ 42,202,000 | $ 439,604 | $ 217,000 |
| San Joaquin, California | 94 | $ 23,338,000 | $ 248,276 | $ 112,000 |
| Kern, California | 92 | $ 18,026,000 | $ 195,934 | $ 118,000 |
| Fairfax, Virginia | 88 | $ 27,558,000 | $ 313,159 | $ 192,000 |
| Prince William, Virginia | 78 | $ 22,866,000 | $ 293,153 | $ 139,000 |
| Pinellas, Florida | 77 | $ 22,900,000 | $ 297,402 | $ 208,000 |
| Stanislaus, California | 74 | $ 17,884,000 | $ 241,675 | $ 127,000 |
| Osceola, Florida | 72 | $ 12,990,000 | $ 180,416 | $ 108,000 |
| Fresno, California | 69 | $ 12,090,000 | $ 175,217 | $ 94,000 |
| Honolulu, Hawaii | 68 | $ 22,527,000 | $ 331,279 | $ 170,000 |
| Montgomery, Maryland | 67 | $ 18,302,000 | $ 273,164 | $ 151,000 |
| Salt Lake, Utah | 66 | $ 21,208,000 | $ 321,333 | $ 228,000 |
| Monterey, California | 63 | $ 25,424,000 | $ 403,555 | $ 170,000 |
| Pierce, Washington | 59 | $ 11,785,000 | $ 199,745 | $ 138,000 |
| San Francisco, California | 56 | $ 27,162,000 | $ 485,035 | $ 240,000 |
| Sonoma, California | 55 | $ 21,765,000 | $ 395,727 | $ 135,000 |
| Hennepin, Minnesota | 54 | $ 12,770,000 | $ 236,481 | $ 149,000 |
| Pinal, Arizona | 51 | $ 9,708,000 | $ 190,352 | $ 116,000 |
| Polk, Florida | 51 | $ 7,485,000 | $ 146,764 | $ 115,000 |
| San Mateo, California | 49 | $ 23,636,000 | $ 482,367 | $ 205,000 |
| Placer, California | 42 | $ 18,501,000 | $ 440,500 | $ 265,000 |
| Pasco, Florida | 42 | $ 6,936,000 | $ 165,142 | $ 150,000 |
| Merced, California | 40 | $ 8,465,000 | $ 211,625 | $ 130,000 |
| Loudoun, Virginia | 40 | $ 12,902,000 | $ 322,550 | $ 184,000 |
| Tulare, California | 39 | $ 7,142,000 | $ 183,128 | $ 91,000 |
| Duval, Florida | 39 | $ 5,482,000 | $ 140,564 | $ 99,000 |
| Santa Barbara, California | 38 | $ 16,175,000 | $ 425,657 | $ 166,000 |
| Hawaii, Hawaii | 37 | $ 13,938,000 | $ 376,702 | $ 183,000 |
| Multnomah, Oregon | 36 | $ 6,971,000 | $ 193,638 | $ 141,000 |
| Collier, Florida | 34 | $ 10,910,000 | $ 320,882 | $ 205,000 |
| Lake, Florida | 34 | $ 7,220,000 | $ 212,352 | $ 114,000 |
| Manatee, Florida | 33 | $ 8,534,000 | $ 258,606 | $ 223,000 |
| Santa Cruz, California | 31 | $ 14,856,000 | $ 479,225 | $ 211,000 |
| Brevard, Florida | 31 | $ 5,752,000 | $ 185,548 | $ 138,000 |
| Ramsey, Minnesota | 31 | $ 4,220,000 | $ 136,129 | $ 173,000 |
| St. Lucie, Florida | 30 | $ 4,442,000 | $ 148,066 | $ 104,000 |
| Napa, California | 29 | $ 11,815,000 | $ 407,413 | $ 136,000 |
| Sarasota, Florida | 28 | $ 8,328,000 | $ 297,428 | $ 142,000 |
| Pima, Arizona | 27 | $ 4,916,000 | $ 182,074 | $ 140,000 |
| Denver, Colorado | 27 | $ 6,110,000 | $ 226,296 | $ 166,000 |
| Volusia, Florida | 27 | $ 6,407,000 | $ 237,296 | $ 198,000 |
| San Luis Obispo, California | 26 | $ 10,600,000 | $ 407,692 | $ 189,000 |
| Seminole, Florida | 26 | $ 7,511,000 | $ 288,884 | $ 161,000 |
| Baltimore City, Maryland | 26 | $ 5,888,000 | $ 226,461 | $ 137,000 |
| Kauai, Hawaii | 25 | $ 9,320,000 | $ 372,800 | $ 178,000 |
| Anne Arundel, Maryland | 23 | $ 7,378,000 | $ 320,782 | $ 124,000 |
| Clackamas, Oregon | 22 | $ 5,645,000 | $ 256,590 | $ 155,000 |
| Snohomish, Washington | 22 | $ 4,985,000 | $ 226,590 | $ 103,000 |
| Mohave, Arizona | 21 | $ 3,152,000 | $ 150,095 | $ 137,000 |
| Washoe, Nevada | 21 | $ 5,427,000 | $ 258,428 | $ 163,000 |
| Clark, Washington | 21 | $ 4,634,000 | $ 220,666 | $ 109,000 |
| Madera, California | 20 | $ 4,096,000 | $ 204,800 | $ 104,000 |
| Baltimore, Maryland | 20 | $ 6,559,000 | $ 327,950 | $ 181,000 |
| El Paso, Colorado | 18 | $ 3,467,000 | $ 192,611 | $ 106,000 |
| Flagler, Florida | 18 | $ 3,747,000 | $ 208,166 | $ 153,000 |
| Howard, Maryland | 18 | $ 7,180,000 | $ 398,888 | $ 168,000 |
| Butte, California | 17 | $ 2,961,000 | $ 174,176 | $ 121,000 |
| Yolo, California | 16 | $ 4,314,000 | $ 269,625 | $ 141,000 |
| Iron, Utah | 16 | $ 2,948,000 | $ 184,250 | $ 88,000 |
| Thurston, Washington | 16 | $ 3,573,000 | $ 223,312 | $ 185,000 |
| Imperial, California | 14 | $ 2,178,000 | $ 155,571 | $ 93,000 |
| Frederick, Maryland | 14 | $ 3,161,000 | $ 225,785 | $ 95,000 |
| Washington, Utah | 14 | $ 7,107,000 | $ 507,642 | $ 327,000 |
| El Dorado, California | 13 | $ 4,374,000 | $ 336,461 | $ 193,000 |
| Tehama, California | 13 | $ 2,243,000 | $ 172,538 | $ 166,000 |
| Douglas, Colorado | 13 | $ 4,740,000 | $ 364,615 | $ 217,000 |
| Utah, Utah | 13 | $ 3,115,000 | $ 239,615 | $ 195,000 |
| Fredericksburg, Virginia | 13 | $ 3,297,000 | $ 253,615 | $ 120,000 |
| Marin, California | 12 | $ 4,773,000 | $ 397,750 | $ 98,000 |
| Adams, Colorado | 12 | $ 1,314,000 | $ 109,500 | $ 97,000 |
| Marion, Florida | 12 | $ 3,076,000 | $ 256,333 | $ 368,000 |
| Monroe, Florida | 12 | $ 7,348,000 | $ 612,333 | $ 419,000 |
| Charles, Maryland | 12 | $ 3,772,000 | $ 314,333 | $ 123,000 |
| Washington, Maryland | 12 | $ 2,702,000 | $ 225,166 | $ 156,000 |
| Anoka, Minnesota | 12 | $ 2,292,000 | $ 191,000 | $ 68,000 |
| Manassas, Virginia | 12 | $ 3,651,000 | $ 304,250 | $ 128,000 |
| Spotsylvania, Virginia | 12 | $ 2,728,000 | $ 227,333 | $ 88,000 |
| Calvert, Maryland | 11 | $ 2,763,000 | $ 251,181 | $ 124,000 |
| Washington, Minnesota | 11 | $ 2,959,000 | $ 269,000 | $ 186,000 |
| Stafford, Virginia | 11 | $ 2,977,000 | $ 270,636 | $ 138,000 |
| Lake, California | 10 | $ 1,486,000 | $ 148,600 | $ 113,000 |
| Nevada, California | 10 | $ 4,097,000 | $ 409,700 | $ 125,000 |
| Jefferson, Colorado | 10 | $ 2,314,000 | $ 231,400 | $ 211,000 |
| St. Johns, Florida | 10 | $ 3,117,000 | $ 311,700 | $ 332,000 |
| Ada, Idaho | 10 | $ 1,650,000 | $ 165,000 | $ 231,000 |
| Dakota, Minnesota | 10 | $ 2,050,000 | $ 205,000 | $ 312,000 |
| Washington, Oregon | 10 | $ 1,653,000 | $ 165,300 | $ 120,000 |
| Shasta, California | 9 | $ 1,613,000 | $ 179,222 | $ 120,000 |
| Arapahoe, Colorado | 9 | $ 1,819,000 | $ 202,111 | $ 92,000 |
| Hernando, Florida | 9 | $ 1,180,000 | $ 131,111 | $ 123,000 |
| Indian River, Florida | 9 | $ 1,055,000 | $ 117,222 | $ 117,000 |
| Martin, Florida | 9 | $ 2,293,000 | $ 254,777 | $ 171,000 |
| Chesapeake, Virginia | 9 | $ 1,784,000 | $ 198,222 | $ 144,000 |
| Richmond City, Virginia | 9 | $ 1,561,000 | $ 173,444 | $ 106,000 |
| Kitsap, Washington | 9 | $ 2,300,000 | $ 255,555 | $ 175,000 |
| Yavapai, Arizona | 8 | $ 1,811,000 | $ 226,375 | $ 98,000 |
| Yuma, Arizona | 8 | $ 1,030,000 | $ 128,750 | $ 70,000 |
| Grand, Colorado | 8 | $ 1,870,000 | $ 233,750 | $ 185,000 |
| Bay, Florida | 8 | $ 2,825,000 | $ 353,125 | $ 286,000 |
| Charlotte, Florida | 8 | $ 1,239,000 | $ 154,875 | $ 155,000 |
| Clay, Florida | 8 | $ 1,051,000 | $ 131,375 | $ 115,000 |
| Spokane, Washington | 8 | $ 1,523,000 | $ 190,375 | $ 139,000 |
| Mendocino, California | 7 | $ 2,445,000 | $ 349,285 | $ 238,000 |
| Citrus, Florida | 7 | $ 954,000 | $ 136,285 | $ 101,000 |
| St. Mary's, Maryland | 7 | $ 2,054,000 | $ 293,428 | $ 127,000 |
| Weber, Utah | 7 | $ 1,019,000 | $ 145,571 | $ 182,000 |
| Calaveras, California | 6 | $ 3,170,000 | $ 528,333 | $ 240,000 |
| Kings, California | 6 | $ 1,105,000 | $ 184,166 | $ 96,000 |
| San Benito, California | 6 | $ 2,287,000 | $ 381,166 | $ 176,000 |
| Okaloosa, Florida | 6 | $ 1,563,000 | $ 260,500 | $ 293,000 |
| Goodhue, Minnesota | 6 | $ 702,000 | $ 117,000 | $ 135,000 |
| Sherburne, Minnesota | 6 | $ 734,000 | $ 122,333 | $ 66,000 |
| Davis, Utah | 6 | $ 1,159,000 | $ 193,166 | $ 209,000 |
| Fauquier, Virginia | 6 | $ 2,699,000 | $ 449,833 | $ 441,000 |
| Norfolk, Virginia | 6 | $ 612,000 | $ 102,000 | $ 138,000 |
| Skagit, Washington | 6 | $ 1,253,000 | $ 208,833 | $ 150,000 |
| Coconino, Arizona | 5 | $ 1,936,000 | $ 387,200 | $ 167,000 |
| Carroll, Maryland | 5 | $ 1,701,000 | $ 340,200 | $ 100,000 |
| Deschutes, Oregon | 5 | $ 1,116,000 | $ 223,200 | $ 147,000 |
| Summit, Utah | 5 | $ 2,184,000 | $ 436,800 | $ 352,000 |
| Hampton, Virginia | 5 | $ 534,000 | $ 106,800 | $ 128,000 |
| Portsmouth, Virginia | 5 | $ 302,000 | $ 60,400 | $ 28,000 |
| Virginia Beach, Virginia | 5 | $ 1,458,000 | $ 291,600 | $ 220,000 |
| Whatcom, Washington | 5 | $ 1,047,000 | $ 209,400 | $ 152,000 |
| Navajo, Arizona | 4 | $ 999,000 | $ 249,750 | $ 134,000 |
| Lassen, California | 4 | $ 364,000 | $ 91,000 | $ 69,000 |
| Larimer, Colorado | 4 | $ 786,000 | $ 196,500 | $ 157,000 |
| Routt, Colorado | 4 | $ 568,000 | $ 142,000 | $ 58,000 |
| Summit, Colorado | 4 | $ 3,243,000 | $ 810,750 | $ 479,000 |
| Worcester, Maryland | 4 | $ 830,000 | $ 207,500 | $ 237,000 |
| Cass, Minnesota | 4 | $ 823,000 | $ 205,750 | $ 356,000 |
| Churchill, Nevada | 4 | $ 680,000 | $ 170,000 | $ 0 |
| Bernalillo, New Mexico | 4 | $ 455,000 | $ 113,750 | $ 103,000 |
| Lane, Oregon | 4 | $ 597,000 | $ 149,250 | $ 174,000 |
| Marion, Oregon | 4 | $ 641,000 | $ 160,250 | $ 88,000 |
| Tooele, Utah | 4 | $ 333,000 | $ 83,250 | $ 77,000 |
| Chesterfield, Virginia | 4 | $ 408,000 | $ 102,000 | $ 88,000 |
| Fairfax City, Virginia | 4 | $ 860,000 | $ 215,000 | $ 121,000 |
| James City, Virginia | 4 | $ 301,000 | $ 75,250 | $ 43,000 |
| Trinity, California | 3 | $ 560,000 | $ 186,666 | $ 76,000 |
| Tuolumne, California | 3 | $ 1,160,000 | $ 386,666 | $ 66,000 |
| Montrose, Colorado | 3 | $ 708,000 | $ 236,000 | $ 63,000 |
| Park, Colorado | 3 | $ 448,000 | $ 149,333 | $ 91,000 |
| Alachua, Florida | 3 | $ 505,000 | $ 168,333 | $ 58,000 |
| Queen Anne's, Maryland | 3 | $ 889,000 | $ 296,333 | $ 106,000 |
| Nye, Nevada | 3 | $ 719,000 | $ 239,666 | $ 102,000 |
| Dona Ana, New Mexico | 3 | $ 370,000 | $ 123,333 | $ 168,000 |
| Jackson, Oregon | 3 | $ 765,000 | $ 255,000 | $ 71,000 |
| Alexandria, Virginia | 3 | $ 1,645,000 | $ 548,333 | $ 155,000 |
| Arlington, Virginia | 3 | $ 1,042,000 | $ 347,333 | $ 178,000 |
| Isle of Wight, Virginia | 3 | $ 975,000 | $ 325,000 | $ 142,000 |
| Gila, Arizona | 2 | $ 233,000 | $ 116,500 | $ 150,000 |
| Graham, Arizona | 2 | $ 221,000 | $ 110,500 | $ 59,000 |
| Amador, California | 2 | $ 286,000 | $ 143,000 | $ 78,000 |
| Colusa, California | 2 | $ 267,000 | $ 133,500 | $ 62,000 |
| Humboldt, California | 2 | $ 280,000 | $ 140,000 | $ 108,000 |
| Mono, California | 2 | $ 474,000 | $ 237,000 | $ 183,000 |
| Sutter, California | 2 | $ 680,000 | $ 340,000 | $ 235,000 |
| Yuba, California | 2 | $ 451,000 | $ 225,500 | $ 121,000 |
| Eagle, Colorado | 2 | $ 1,050,000 | $ 525,000 | $ 84,000 |
| Ouray, Colorado | 2 | $ 362,000 | $ 181,000 | $ 192,000 |
| Pitkin, Colorado | 2 | $ 745,000 | $ 372,500 | $ 0 |
| Franklin, Florida | 2 | $ 1,715,000 | $ 857,500 | $ 276,000 |
| Jackson, Florida | 2 | $ 154,000 | $ 77,000 | $ 258,000 |
| Santa Rosa, Florida | 2 | $ 414,000 | $ 207,000 | $ 30,000 |
| Sumter, Florida | 2 | $ 878,000 | $ 439,000 | $ 180,000 |
| Walton, Florida | 2 | $ 1,080,000 | $ 540,000 | $ 481,000 |
| Bonner, Idaho | 2 | $ 238,000 | $ 119,000 | $ 162,000 |
| Fremont, Idaho | 2 | $ 1,530,000 | $ 765,000 | $ 540,000 |
| Kootenai, Idaho | 2 | $ 207,000 | $ 103,500 | $ 105,000 |
| Allegany, Maryland | 2 | $ 218,000 | $ 109,000 | $ 94,000 |
| Dorchester, Maryland | 2 | $ 270,000 | $ 135,000 | $ 96,000 |
| Harford, Maryland | 2 | $ 389,000 | $ 194,500 | $ 144,000 |
| Isanti, Minnesota | 2 | $ 199,000 | $ 99,500 | $ 69,000 |
| Le Sueur, Minnesota | 2 | $ 435,000 | $ 217,500 | $ 540,000 |
| Wright, Minnesota | 2 | $ 368,000 | $ 184,000 | $ 33,000 |
| Douglas, Nevada | 2 | $ 383,000 | $ 191,500 | $ 108,000 |
| Lyon, Nevada | 2 | $ 308,000 | $ 154,000 | $ 84,000 |
| Lincoln, New Mexico | 2 | $ 162,000 | $ 81,000 | $ 74,000 |
| Rio Arriba, New Mexico | 2 | $ 300,000 | $ 150,000 | $ 95,000 |
| San Miguel, New Mexico | 2 | $ 129,000 | $ 64,500 | $ 50,000 |
| Columbia, Oregon | 2 | $ 192,000 | $ 96,000 | $ 47,000 |
| Lincoln, Oregon | 2 | $ 522,000 | $ 261,000 | $ 174,000 |
| Polk, Oregon | 2 | $ 163,000 | $ 81,500 | $ 47,000 |
| Tillamook, Oregon | 2 | $ 180,000 | $ 90,000 | $ 51,000 |
| Millard, Utah | 2 | $ 403,000 | $ 201,500 | $ 198,000 |
| Wasatch, Utah | 2 | $ 283,000 | $ 141,500 | $ 78,000 |
| Caroline, Virginia | 2 | $ 525,000 | $ 262,500 | $ 0 |
| Falls Church, Virginia | 2 | $ 893,000 | $ 446,500 | $ 455,000 |
| Frederick, Virginia | 2 | $ 482,000 | $ 241,000 | $ 144,000 |
| King William, Virginia | 2 | $ 215,000 | $ 107,500 | $ 52,000 |
| Orange, Virginia | 2 | $ 557,000 | $ 278,500 | $ 200,000 |
| Pittsylvania, Virginia | 2 | $ 126,000 | $ 63,000 | $ 105,000 |
| Benton, Washington | 2 | $ 468,000 | $ 234,000 | $ 144,000 |
| Grant, Washington | 2 | $ 558,000 | $ 279,000 | $ 390,000 |
| Kittitas, Washington | 2 | $ 180,000 | $ 90,000 | $ 50,000 |
| San Juan, Washington | 2 | $ 1,696,000 | $ 848,000 | $ 258,000 |
| Walla Walla, Washington | 2 | $ 117,000 | $ 58,500 | $ 138,000 |
| Cochise, Arizona | 1 | $ 112,000 | $ 112,000 | $ 29,000 |
| La Paz, Arizona | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Plumas, California | 1 | $ 252,000 | $ 252,000 | $ 71,000 |
| Siskiyou, California | 1 | $ 232,000 | $ 232,000 | $ 72,000 |
| Archuleta, Colorado | 1 | $ 146,000 | $ 146,000 | $ 66,000 |
| La Plata, Colorado | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Morgan, Colorado | 1 | $ 104,000 | $ 104,000 | $ 66,000 |
| Weld, Colorado | 1 | $ 142,000 | $ 142,000 | $ 96,000 |
| Gulf, Florida | 1 | $ 1,050,000 | $ 1,050,000 | $ 605,000 |
| Highlands, Florida | 1 | $ 280,000 | $ 280,000 | $ 187,000 |
| Nassau, Florida | 1 | $ 173,000 | $ 173,000 | $ 89,000 |
| Adams, Idaho | 1 | $ 193,000 | $ 193,000 | $ 78,000 |
| Canyon, Idaho | 1 | $ 174,000 | $ 174,000 | $ 83,000 |
| Caroline, Maryland | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Beltrami, Minnesota | 1 | $ 274,000 | $ 274,000 | $ 68,000 |
| Chisago, Minnesota | 1 | $ 324,000 | $ 324,000 | $ 146,000 |
| Crow Wing, Minnesota | 1 | $ 1,350,000 | $ 1,350,000 | $ 454,000 |
| Dodge, Minnesota | 1 | $ 78,000 | $ 78,000 | $ 216,000 |
| Douglas, Minnesota | 1 | $ 257,000 | $ 257,000 | $ 204,000 |
| Lyon, Minnesota | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Martin, Minnesota | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| Rice, Minnesota | 1 | $ 199,000 | $ 199,000 | $ 57,000 |
| Scott, Minnesota | 1 | $ 217,000 | $ 217,000 | $ 465,000 |
| Carson City, Nevada | 1 | $ 240,000 | $ 240,000 | $ 87,000 |
| Benton, Oregon | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Linn, Oregon | 1 | $ 176,000 | $ 176,000 | $ 163,000 |
| Yamhill, Oregon | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Duchesne, Utah | 1 | $ 92,000 | $ 92,000 | $ 96,000 |
| Albemarle, Virginia | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Amherst, Virginia | 1 | $ 130,000 | $ 130,000 | $ 130,000 |
| Harrisonburg, Virginia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Manassas Park, Virginia | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 134,000 | $ 134,000 | $ 118,000 |
| Cowlitz, Washington | 1 | $ 101,000 | $ 101,000 | $ 168,000 |
| Grays Harbor, Washington | 1 | $ 287,000 | $ 287,000 | $ 152,000 |
| Island, Washington | 1 | $ 535,000 | $ 535,000 | $ 492,000 |
| Jefferson, Washington | 1 | $ 800,000 | $ 800,000 | $ 271,000 |
| Mason, Washington | 1 | $ 900,000 | $ 900,000 | $ 282,000 |
| Yakima, Washington | 1 | $ 240,000 | $ 240,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Express Capital Lending in 2006
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 |
|---|---|---|---|---|---|---|
| Refinancing | 5,857 | $1,788,662,000 | $305,000 | $2,075,000 | $154,000 | $2,160,000 |
| Home Purchase | 4,121 | $1,086,193,000 | $263,000 | $2,000,000 | $174,000 | $1,870,000 |
| Home Improvement | 1,114 | $362,026,000 | $324,000 | $2,000,000 | $144,000 | $1,690,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 3,601 | $938,733,000 | $260,000 | $2,000,000 | $135,000 | $1,870,000 |
| White | 3,381 | $1,086,549,000 | $321,000 | $2,075,000 | $192,000 | $2,160,000 |
| Not Provided | 1,505 | $473,612,000 | $314,000 | $1,815,000 | $162,000 | $1,500,000 |
| Black or African American | 1,458 | $376,584,000 | $258,000 | $2,000,000 | $143,000 | $1,910,000 |
| Asian | 908 | $288,758,000 | $318,000 | $1,663,000 | $172,000 | $1,690,000 |
| Native Hawaiian or Other Pacific Islander | 197 | $59,073,000 | $299,000 | $1,050,000 | $147,000 | $658,000 |
| American Indian or Alaskan Native | 42 | $13,572,000 | $323,000 | $825,000 | $146,000 | $379,000 |
| 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) | 11,092 | $3,236,881,000 | $291,000 | $2,075,000 | $160,000 | $2,160,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 3,988 | $1,182,590,000 | $296,000 | $2,075,000 | $168,000 | $1,714,000 |
| Loan Originated | 3,757 | $1,095,349,000 | $291,000 | $2,000,000 | $150,000 | $2,160,000 |
| Application Approved But Not Accepted | 1,403 | $408,763,000 | $291,000 | $1,950,000 | $150,000 | $984,000 |
| File Closed For Incompleteness | 1,089 | $300,147,000 | $275,000 | $2,000,000 | $162,000 | $1,246,000 |
| Application Withdrawn By Applicant | 855 | $250,032,000 | $292,000 | $2,000,000 | $184,000 | $1,870,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1,348 | $380,510,000 | $282,000 | $2,000,000 | $149,000 | $1,714,000 |
| Other | 881 | $257,073,000 | $291,000 | $2,075,000 | $179,000 | $1,700,000 |
| Collateral | 513 | $156,287,000 | $304,000 | $1,750,000 | $186,000 | $1,420,000 |
| Debt-To-Income Ratio | 466 | $154,949,000 | $332,000 | $2,000,000 | $173,000 | $1,130,000 |
| Unverifiable Information | 438 | $129,602,000 | $295,000 | $2,000,000 | $167,000 | $1,140,000 |
| Credit Application Incomplete | 145 | $47,197,000 | $325,000 | $1,750,000 | $176,000 | $492,000 |
| Employment History | 145 | $43,809,000 | $302,000 | $1,645,000 | $188,000 | $1,080,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 52 | $13,163,000 | $253,000 | $953,000 | $142,000 | $420,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Express Capital Lending's 2006 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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