Express Capital Lending
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Express Capital Lending 2007 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 | 3,757 |
| Total Mortgage Loan Application Amount | $1,276,856,000 |
| Average Mortgage Loan Application Amount | $334,666 |
| Highest Mortgage Loan Application Amount | $2,140,000 |
| Average Applicant Income | $160,333 |
| Highest Applicant Income | $3,360,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 611 | $ 252,630,000 | $ 413,000 | $ 160,000 |
| Orange County California | 255 | $ 114,974,000 | $ 450,000 | $ 173,000 |
| Riverside County California | 217 | $ 76,434,000 | $ 352,000 | $ 171,000 |
| San Bernardino County California | 211 | $ 61,919,000 | $ 293,000 | $ 141,000 |
| Miami-Dade County Florida | 181 | $ 54,803,000 | $ 302,000 | $ 163,000 |
| San Diego County California | 170 | $ 66,324,000 | $ 390,000 | $ 177,000 |
| Broward County Florida | 149 | $ 48,510,000 | $ 325,000 | $ 154,000 |
| Clark County Nevada | 107 | $ 31,536,000 | $ 294,000 | $ 154,000 |
| Maricopa County Arizona | 98 | $ 24,811,000 | $ 253,000 | $ 136,000 |
| Orange County Florida | 85 | $ 21,000,000 | $ 247,000 | $ 132,000 |
| Alameda County California | 72 | $ 25,842,000 | $ 358,000 | $ 141,000 |
| Palm Beach County Florida | 59 | $ 20,895,000 | $ 354,000 | $ 187,000 |
| Contra Costa County California | 58 | $ 21,855,000 | $ 376,000 | $ 128,000 |
| Sacramento County California | 51 | $ 15,479,000 | $ 303,000 | $ 128,000 |
| Hillsborough County Florida | 51 | $ 9,364,000 | $ 183,000 | $ 116,000 |
| Honolulu County Hawaii | 44 | $ 19,693,000 | $ 447,000 | $ 191,000 |
| Osceola County Florida | 43 | $ 10,853,000 | $ 252,000 | $ 143,000 |
| Kern County California | 41 | $ 8,980,000 | $ 219,000 | $ 101,000 |
| Santa Clara County California | 39 | $ 15,954,000 | $ 409,000 | $ 197,000 |
| San Joaquin County California | 36 | $ 12,096,000 | $ 336,000 | $ 160,000 |
| Ventura County California | 36 | $ 15,400,000 | $ 427,000 | $ 256,000 |
| Lee County Florida | 36 | $ 9,434,000 | $ 262,000 | $ 138,000 |
| Salt Lake County Utah | 34 | $ 10,231,000 | $ 300,000 | $ 226,000 |
| Fresno County California | 33 | $ 6,830,000 | $ 206,000 | $ 93,000 |
| Collier County Florida | 32 | $ 9,636,000 | $ 301,000 | $ 135,000 |
| King County Washington | 31 | $ 10,714,000 | $ 345,000 | $ 216,000 |
| Prince George's County Maryland | 30 | $ 10,509,000 | $ 350,000 | $ 126,000 |
| Pinellas County Florida | 29 | $ 8,432,000 | $ 290,000 | $ 197,000 |
| St. Lucie County Florida | 24 | $ 5,109,000 | $ 212,000 | $ 160,000 |
| Solano County California | 23 | $ 8,833,000 | $ 384,000 | $ 151,000 |
| Duval County Florida | 23 | $ 3,691,000 | $ 160,000 | $ 117,000 |
| Pierce County Washington | 23 | $ 5,896,000 | $ 256,000 | $ 126,000 |
| Monterey County California | 22 | $ 6,776,000 | $ 308,000 | $ 102,000 |
| Stanislaus County California | 22 | $ 7,066,000 | $ 321,000 | $ 176,000 |
| Sonoma County California | 21 | $ 9,576,000 | $ 456,000 | $ 251,000 |
| Hennepin County Minnesota | 21 | $ 5,696,000 | $ 271,000 | $ 111,000 |
| Hawaii County Hawaii | 20 | $ 9,156,000 | $ 457,000 | $ 303,000 |
| Utah County Utah | 20 | $ 5,149,000 | $ 257,000 | $ 120,000 |
| San Mateo County California | 19 | $ 9,018,000 | $ 474,000 | $ 172,000 |
| Maui County Hawaii | 19 | $ 8,511,000 | $ 447,000 | $ 140,000 |
| Polk County Florida | 18 | $ 2,875,000 | $ 159,000 | $ 123,000 |
| Baltimore City County Maryland | 18 | $ 2,983,000 | $ 165,000 | $ 86,000 |
| Pasco County Florida | 17 | $ 3,380,000 | $ 198,000 | $ 94,000 |
| Denver County Colorado | 16 | $ 3,673,000 | $ 229,000 | $ 73,000 |
| Multnomah County Oregon | 16 | $ 3,129,000 | $ 195,000 | $ 102,000 |
| Snohomish County Washington | 16 | $ 4,641,000 | $ 290,000 | $ 139,000 |
| Madera County California | 15 | $ 3,302,000 | $ 220,000 | $ 100,000 |
| Sarasota County Florida | 15 | $ 4,246,000 | $ 283,000 | $ 148,000 |
| Volusia County Florida | 14 | $ 2,267,000 | $ 161,000 | $ 144,000 |
| Kauai County Hawaii | 13 | $ 5,813,000 | $ 447,000 | $ 126,000 |
| Tulare County California | 11 | $ 2,732,000 | $ 248,000 | $ 143,000 |
| Brevard County Florida | 11 | $ 1,660,000 | $ 150,000 | $ 253,000 |
| Seminole County Florida | 11 | $ 3,349,000 | $ 304,000 | $ 160,000 |
| Pima County Arizona | 10 | $ 2,182,000 | $ 218,000 | $ 106,000 |
| San Francisco County California | 10 | $ 7,219,000 | $ 721,000 | $ 349,000 |
| Monroe County Florida | 10 | $ 8,746,000 | $ 874,000 | $ 698,000 |
| Pinal County Arizona | 9 | $ 1,879,000 | $ 208,000 | $ 113,000 |
| Napa County California | 9 | $ 3,906,000 | $ 434,000 | $ 155,000 |
| Arapahoe County Colorado | 9 | $ 4,983,000 | $ 553,000 | $ 182,000 |
| Santa Barbara County California | 8 | $ 4,396,000 | $ 549,000 | $ 169,000 |
| Adams County Colorado | 8 | $ 1,507,000 | $ 188,000 | $ 117,000 |
| Alachua County Florida | 8 | $ 1,027,000 | $ 128,000 | $ 82,000 |
| Bay County Florida | 8 | $ 4,617,000 | $ 577,000 | $ 298,000 |
| Clackamas County Oregon | 8 | $ 2,404,000 | $ 300,000 | $ 125,000 |
| Prince William County Virginia | 8 | $ 2,875,000 | $ 359,000 | $ 135,000 |
| Mohave County Arizona | 7 | $ 1,865,000 | $ 266,000 | $ 213,000 |
| Placer County California | 7 | $ 3,943,000 | $ 563,000 | $ 125,000 |
| Routt County Colorado | 7 | $ 2,591,000 | $ 370,000 | $ 182,000 |
| St. Johns County Florida | 7 | $ 2,027,000 | $ 289,000 | $ 193,000 |
| Loudoun County Virginia | 7 | $ 2,711,000 | $ 387,000 | $ 221,000 |
| Spokane County Washington | 7 | $ 915,000 | $ 130,000 | $ 66,000 |
| Tuolumne County California | 6 | $ 1,784,000 | $ 297,000 | $ 137,000 |
| Citrus County Florida | 6 | $ 683,000 | $ 113,000 | $ 216,000 |
| Hernando County Florida | 6 | $ 1,136,000 | $ 189,000 | $ 161,000 |
| Lake County Florida | 6 | $ 1,726,000 | $ 287,000 | $ 176,000 |
| Manatee County Florida | 6 | $ 2,300,000 | $ 383,000 | $ 649,000 |
| Newport News County Virginia | 6 | $ 461,000 | $ 76,000 | $ 104,000 |
| Richmond City County Virginia | 6 | $ 1,026,000 | $ 171,000 | $ 179,000 |
| Clark County Washington | 6 | $ 1,605,000 | $ 267,000 | $ 255,000 |
| Thurston County Washington | 6 | $ 1,426,000 | $ 237,000 | $ 164,000 |
| Imperial County California | 5 | $ 1,352,000 | $ 270,000 | $ 215,000 |
| Merced County California | 5 | $ 991,000 | $ 198,000 | $ 134,000 |
| San Luis Obispo County California | 5 | $ 2,839,000 | $ 567,000 | $ 154,000 |
| Santa Cruz County California | 5 | $ 2,013,000 | $ 402,000 | $ 109,000 |
| Flagler County Florida | 5 | $ 2,030,000 | $ 406,000 | $ 173,000 |
| Anne Arundel County Maryland | 5 | $ 1,556,000 | $ 311,000 | $ 198,000 |
| Montgomery County Maryland | 5 | $ 1,522,000 | $ 304,000 | $ 103,000 |
| Ramsey County Minnesota | 5 | $ 901,000 | $ 180,000 | $ 46,000 |
| Washington County Oregon | 5 | $ 1,140,000 | $ 228,000 | $ 128,000 |
| Washington County Utah | 5 | $ 2,801,000 | $ 560,000 | $ 116,000 |
| Lake County California | 4 | $ 1,233,000 | $ 308,000 | $ 181,000 |
| Mendocino County California | 4 | $ 981,000 | $ 245,000 | $ 146,000 |
| Nevada County California | 4 | $ 2,352,000 | $ 588,000 | $ 102,000 |
| San Benito County California | 4 | $ 1,188,000 | $ 297,000 | $ 187,000 |
| Tehama County California | 4 | $ 727,000 | $ 181,000 | $ 85,000 |
| Archuleta County Colorado | 4 | $ 475,000 | $ 118,000 | $ 117,000 |
| Eagle County Colorado | 4 | $ 911,000 | $ 227,000 | $ 109,000 |
| Marion County Florida | 4 | $ 468,000 | $ 117,000 | $ 71,000 |
| Baltimore County Maryland | 4 | $ 2,579,000 | $ 644,000 | $ 181,000 |
| Anoka County Minnesota | 4 | $ 1,558,000 | $ 389,000 | $ 186,000 |
| Washoe County Nevada | 4 | $ 1,090,000 | $ 272,000 | $ 113,000 |
| Weber County Utah | 4 | $ 259,000 | $ 64,000 | $ 180,000 |
| Stafford County Virginia | 4 | $ 1,254,000 | $ 313,000 | $ 243,000 |
| Kitsap County Washington | 4 | $ 1,534,000 | $ 383,000 | $ 96,000 |
| Yuba County California | 3 | $ 495,000 | $ 165,000 | $ 97,000 |
| Boulder County Colorado | 3 | $ 1,161,000 | $ 387,000 | $ 145,000 |
| El Paso County Colorado | 3 | $ 491,000 | $ 163,000 | $ 76,000 |
| Jefferson County Colorado | 3 | $ 730,000 | $ 243,000 | $ 216,000 |
| Charlotte County Florida | 3 | $ 827,000 | $ 275,000 | $ 213,000 |
| Santa Rosa County Florida | 3 | $ 1,108,000 | $ 369,000 | $ 269,000 |
| Calvert County Maryland | 3 | $ 1,039,000 | $ 346,000 | $ 101,000 |
| Howard County Maryland | 3 | $ 2,170,000 | $ 723,000 | $ 140,000 |
| Davis County Utah | 3 | $ 575,000 | $ 191,000 | $ 186,000 |
| Iron County Utah | 3 | $ 461,000 | $ 153,000 | $ 74,000 |
| Summit County Utah | 3 | $ 2,180,000 | $ 726,000 | $ 377,000 |
| Fairfax County Virginia | 3 | $ 1,389,000 | $ 463,000 | $ 228,000 |
| Spotsylvania County Virginia | 3 | $ 411,000 | $ 137,000 | $ 108,000 |
| Walla Walla County Washington | 3 | $ 636,000 | $ 212,000 | $ 156,000 |
| Cochise County Arizona | 2 | $ 215,000 | $ 107,000 | $ 27,000 |
| Yavapai County Arizona | 2 | $ 428,000 | $ 214,000 | $ 103,000 |
| Yuma County Arizona | 2 | $ 251,000 | $ 125,000 | $ 155,000 |
| Butte County California | 2 | $ 359,000 | $ 179,000 | $ 108,000 |
| Marin County California | 2 | $ 806,000 | $ 403,000 | $ 233,000 |
| Yolo County California | 2 | $ 815,000 | $ 407,000 | $ 165,000 |
| Larimer County Colorado | 2 | $ 347,000 | $ 173,000 | $ 219,000 |
| Mesa County Colorado | 2 | $ 534,000 | $ 267,000 | $ 78,000 |
| Ouray County Colorado | 2 | $ 387,000 | $ 193,000 | $ 252,000 |
| Clay County Florida | 2 | $ 391,000 | $ 195,000 | $ 61,000 |
| Escambia County Florida | 2 | $ 1,781,000 | $ 890,000 | $ 3,360,000 |
| Indian River County Florida | 2 | $ 1,168,000 | $ 584,000 | $ 217,000 |
| Leon County Florida | 2 | $ 710,000 | $ 355,000 | $ 99,000 |
| Nassau County Florida | 2 | $ 315,000 | $ 157,000 | $ 84,000 |
| Carroll County Maryland | 2 | $ 334,000 | $ 167,000 | $ 96,000 |
| Frederick County Maryland | 2 | $ 325,000 | $ 162,000 | $ 86,000 |
| Wicomico County Maryland | 2 | $ 140,000 | $ 70,000 | $ 77,000 |
| Carver County Minnesota | 2 | $ 921,000 | $ 460,000 | $ 159,000 |
| Washington County Minnesota | 2 | $ 414,000 | $ 207,000 | $ 249,000 |
| Bernalillo County New Mexico | 2 | $ 463,000 | $ 231,000 | $ 45,000 |
| Josephine County Oregon | 2 | $ 243,000 | $ 121,000 | $ 98,000 |
| Lincoln County Oregon | 2 | $ 261,000 | $ 130,000 | $ 1,010,000 |
| Marion County Oregon | 2 | $ 412,000 | $ 206,000 | $ 76,000 |
| Arlington County Virginia | 2 | $ 942,000 | $ 471,000 | $ 140,000 |
| Hampton County Virginia | 2 | $ 110,000 | $ 55,000 | $ 70,000 |
| Shenandoah County Virginia | 2 | $ 248,000 | $ 124,000 | $ 114,000 |
| Virginia Beach County Virginia | 2 | $ 552,000 | $ 276,000 | $ 32,000 |
| Chelan County Washington | 2 | $ 439,000 | $ 219,000 | $ 0 |
| Island County Washington | 2 | $ 538,000 | $ 269,000 | $ 94,000 |
| Lewis County Washington | 2 | $ 433,000 | $ 216,000 | $ 105,000 |
| Whatcom County Washington | 2 | $ 630,000 | $ 315,000 | $ 180,000 |
| Apache County Arizona | 1 | $ 388,000 | $ 388,000 | $ 166,000 |
| El Dorado County California | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Sutter County California | 1 | $ 508,000 | $ 508,000 | $ 0 |
| Delta County Colorado | 1 | $ 213,000 | $ 213,000 | $ 112,000 |
| Douglas County Colorado | 1 | $ 217,000 | $ 217,000 | $ 175,000 |
| Garfield County Colorado | 1 | $ 700,000 | $ 700,000 | $ 233,000 |
| La Plata County Colorado | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Teller County Colorado | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Weld County Colorado | 1 | $ 570,000 | $ 570,000 | $ 179,000 |
| Glades County Florida | 1 | $ 227,000 | $ 227,000 | $ 74,000 |
| Highlands County Florida | 1 | $ 77,000 | $ 77,000 | $ 252,000 |
| Levy County Florida | 1 | $ 486,000 | $ 486,000 | $ 0 |
| Martin County Florida | 1 | $ 1,960,000 | $ 1,960,000 | $ 648,000 |
| Okaloosa County Florida | 1 | $ 162,000 | $ 162,000 | $ 72,000 |
| Sumter County Florida | 1 | $ 530,000 | $ 530,000 | $ 201,000 |
| Walton County Florida | 1 | $ 175,000 | $ 175,000 | $ 1,740,000 |
| Ada County Idaho | 1 | $ 225,000 | $ 225,000 | $ 196,000 |
| Bannock County Idaho | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Canyon County Idaho | 1 | $ 101,000 | $ 101,000 | $ 89,000 |
| Kootenai County Idaho | 1 | $ 142,000 | $ 142,000 | $ 53,000 |
| Charles County Maryland | 1 | $ 504,000 | $ 504,000 | $ 132,000 |
| Dorchester County Maryland | 1 | $ 110,000 | $ 110,000 | $ 35,000 |
| Somerset County Maryland | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| St. Mary's County Maryland | 1 | $ 216,000 | $ 216,000 | $ 120,000 |
| Carlton County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 89,000 |
| Dakota County Minnesota | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Goodhue County Minnesota | 1 | $ 124,000 | $ 124,000 | $ 82,000 |
| Isanti County Minnesota | 1 | $ 243,000 | $ 243,000 | $ 121,000 |
| Le Sueur County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Olmsted County Minnesota | 1 | $ 99,000 | $ 99,000 | $ 53,000 |
| Douglas County Nevada | 1 | $ 700,000 | $ 700,000 | $ 138,000 |
| Lyon County Nevada | 1 | $ 376,000 | $ 376,000 | $ 316,000 |
| Nye County Nevada | 1 | $ 186,000 | $ 186,000 | $ 118,000 |
| Curry County New Mexico | 1 | $ 168,000 | $ 168,000 | $ 106,000 |
| Dona Ana County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 996,000 |
| Taos County New Mexico | 1 | $ 87,000 | $ 87,000 | $ 77,000 |
| Curry County Oregon | 1 | $ 267,000 | $ 267,000 | $ 96,000 |
| Jackson County Oregon | 1 | $ 261,000 | $ 261,000 | $ 66,000 |
| Jefferson County Oregon | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Tillamook County Oregon | 1 | $ 404,000 | $ 404,000 | $ 0 |
| Wasco County Oregon | 1 | $ 190,000 | $ 190,000 | $ 53,000 |
| Cache County Utah | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Sanpete County Utah | 1 | $ 101,000 | $ 101,000 | $ 282,000 |
| Chesapeake County Virginia | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Falls Church County Virginia | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Hanover County Virginia | 1 | $ 186,000 | $ 186,000 | $ 77,000 |
| Henrico County Virginia | 1 | $ 166,000 | $ 166,000 | $ 155,000 |
| Isle of Wight County Virginia | 1 | $ 648,000 | $ 648,000 | $ 228,000 |
| Norfolk County Virginia | 1 | $ 152,000 | $ 152,000 | $ 346,000 |
| Portsmouth County Virginia | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| York County Virginia | 1 | $ 154,000 | $ 154,000 | $ 157,000 |
| Clallam County Washington | 1 | $ 450,000 | $ 450,000 | $ 720,000 |
| Cowlitz County Washington | 1 | $ 144,000 | $ 144,000 | $ 44,000 |
| Grays Harbor County Washington | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Klickitat County Washington | 1 | $ 284,000 | $ 284,000 | $ 86,000 |
| Yakima County Washington | 1 | $ 209,000 | $ 209,000 | $ 0 |
Mortgage Loan Application Detail Totals for Express Capital Lending in 2007
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 | 1,891 | $656,711,000 | $347,000 | $2,140,000 | $154,000 | $3,360,000 |
| Home Purchase | 1,555 | $519,485,000 | $334,000 | $2,000,000 | $171,000 | $3,360,000 |
| Home Improvement | 311 | $100,660,000 | $323,000 | $1,800,000 | $156,000 | $1,190,000 |
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 | 1,254 | $385,801,000 | $307,000 | $1,651,000 | $126,000 | $1,740,000 |
| White | 1,244 | $456,441,000 | $366,000 | $2,140,000 | $200,000 | $2,004,000 |
| Not Provided | 489 | $178,488,000 | $365,000 | $2,000,000 | $166,000 | $3,360,000 |
| Black or African American | 462 | $140,632,000 | $304,000 | $1,680,000 | $140,000 | $1,140,000 |
| Asian | 239 | $92,523,000 | $387,000 | $1,500,000 | $189,000 | $710,000 |
| Native Hawaiian or Other Pacific Islander | 64 | $21,798,000 | $340,000 | $883,000 | $120,000 | $300,000 |
| American Indian or Alaskan Native | 5 | $1,173,000 | $234,000 | $518,000 | $123,000 | $279,000 |
| 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) | 3,757 | $1,276,856,000 | $339,000 | $2,140,000 | $161,000 | $3,360,000 |
| 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 | 1,917 | $646,352,000 | $337,000 | $2,140,000 | $159,000 | $1,800,000 |
| Loan Originated | 874 | $297,642,000 | $340,000 | $2,000,000 | $154,000 | $1,176,000 |
| Application Withdrawn By Applicant | 374 | $124,956,000 | $334,000 | $1,960,000 | $171,000 | $3,360,000 |
| Application Approved But Not Accepted | 367 | $130,992,000 | $356,000 | $1,800,000 | $161,000 | $1,740,000 |
| File Closed For Incompleteness | 225 | $76,914,000 | $341,000 | $1,470,000 | $190,000 | $2,004,000 |
| 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 | 611 | $204,287,000 | $334,000 | $2,140,000 | $174,000 | $1,680,000 |
| Credit History | 443 | $141,357,000 | $319,000 | $2,000,000 | $136,000 | $1,800,000 |
| Collateral | 311 | $106,308,000 | $341,000 | $1,500,000 | $161,000 | $1,740,000 |
| Debt-To-Income Ratio | 251 | $93,737,000 | $373,000 | $2,000,000 | $172,000 | $996,000 |
| Unverifiable Information | 135 | $48,226,000 | $357,000 | $1,275,000 | $155,000 | $582,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 78 | $24,384,000 | $312,000 | $1,470,000 | $174,000 | $708,000 |
| Credit Application Incomplete | 67 | $22,722,000 | $339,000 | $1,078,000 | $138,000 | $540,000 |
| Employment History | 21 | $5,331,000 | $253,000 | $1,000,000 | $89,000 | $378,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Express Capital Lending's 2007 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.
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with aggregated HMDA statistics today.