Goldenwestfunding:01-06/2006 Mortgage Lending & HMDA Data, 2006
In 2006, Goldenwestfunding:01-06/2006 of Costa Mesa, CA reported 179 mortgage applications totaling $56.8 million, up 77% from 2005. The average application was for $317,240, and applicants reported an average income of $134,000. 89% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Santa Ana-Anaheim-Irvine, CA (59), Riverside-San Bernardino-Ontario, CA (54) and Los Angeles-Long Beach-Glendale, CA (42) (applications in parentheses).
| Mortgage Company & Address | Goldenwestfunding:01-06/2006 3175 Airway Ave Costa Mesa, CA 92626 |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 179 |
| Total Mortgage Loan Application Amount | $56,786,000 |
| Average Mortgage Loan Application Amount | $317,240 |
| Highest Mortgage Loan Application Amount | $1,230,000 |
| Average Applicant Income | $134,000 |
| Highest Applicant Income | $511,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Goldenwestfunding:01-06/2006 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Ana-Anaheim-Irvine, CA | 59 | $ 22,187,000 | $ 376,050 | $ 152,000 |
| Riverside-San Bernardino-Ontario, CA | 54 | $ 16,257,000 | $ 301,055 | $ 121,000 |
| Los Angeles-Long Beach-Glendale, CA | 42 | $ 12,076,000 | $ 287,523 | $ 126,000 |
| Hanford-Corcoran, CA | 5 | $ 690,000 | $ 138,000 | $ 57,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 2,239,000 | $ 447,800 | $ 257,000 |
| Brownsville-Harlingen, TX | 2 | $ 206,000 | $ 103,000 | $ 129,000 |
| Denver-Aurora, CO | 2 | $ 270,000 | $ 135,000 | $ 117,000 |
| Bend, OR | 1 | $ 200,000 | $ 200,000 | $ 128,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Dallas-Plano-Irving, TX | 1 | $ 156,000 | $ 156,000 | $ 108,000 |
| Fresno, CA | 1 | $ 250,000 | $ 250,000 | $ 68,000 |
| Indianapolis-Carmel, IN | 1 | $ 248,000 | $ 248,000 | $ 100,000 |
| Las Vegas-Paradise, NV | 1 | $ 668,000 | $ 668,000 | $ 380,000 |
| Merced, CA | 1 | $ 264,000 | $ 264,000 | $ 132,000 |
| San Antonio, TX | 1 | $ 319,000 | $ 319,000 | $ 35,000 |
| Visalia-Porterville, CA | 1 | $ 162,000 | $ 162,000 | $ 39,000 |
| Worcester, MA | 1 | $ 414,000 | $ 414,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for Goldenwestfunding:01-06/2006 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 179 | $56,786,000 | $317,000 | $1,230,000 | $134,000 | $511,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 100 | $31,530,000 | $315,000 | $625,000 | $118,000 | $511,000 |
| White | 51 | $16,492,000 | $323,000 | $1,230,000 | $148,000 | $449,000 |
| Not Provided | 13 | $4,681,000 | $360,000 | $910,000 | $202,000 | $449,000 |
| Asian | 8 | $2,010,000 | $251,000 | $652,000 | $128,000 | $258,000 |
| Black or African American | 7 | $2,073,000 | $296,000 | $548,000 | $151,000 | $266,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 179 | $56,786,000 | $317,000 | $1,230,000 | $134,000 | $511,000 |
| 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 | 159 | $48,493,000 | $304,000 | $1,020,000 | $130,000 | $511,000 |
| Application Withdrawn By Applicant | 19 | $8,053,000 | $423,000 | $1,230,000 | $169,000 | $380,000 |
| Application Approved But Not Accepted | 1 | $240,000 | $240,000 | $240,000 | $156,000 | $156,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Goldenwestfunding:01-06/2006'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 Goldenwestfunding:01-06/2006'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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