Goldenwestfunding:01-06/2006 Mortgage Lending & HMDA Data, 2003
In 2003, Goldenwestfunding:01-06/2006 of Costa Mesa, CA reported 380 mortgage applications totaling $75.3 million. The average application was for $198,263, and applicants reported an average income of $60,963. 57% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach, CA (102), Orange County, CA (100) and Riverside-San Bernardino, CA (75) (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 | 380 |
| Total Mortgage Loan Application Amount | $75,340,000 |
| Average Mortgage Loan Application Amount | $198,263 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $60,963 |
| Highest Applicant Income | $384,000 |
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records Goldenwestfunding:01-06/2006 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach, CA | 102 | $ 20,053,000 | $ 196,598 | $ 58,000 |
| Orange County, CA | 100 | $ 23,254,000 | $ 232,540 | $ 63,000 |
| Riverside-San Bernardino, CA | 75 | $ 11,999,000 | $ 159,986 | $ 63,000 |
| San Diego, CA | 16 | $ 3,488,000 | $ 218,000 | $ 75,000 |
| Bakersfield, CA | 6 | $ 661,000 | $ 110,166 | $ 36,000 |
| Ventura, CA | 3 | $ 648,000 | $ 216,000 | $ 86,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 2 | $ 566,000 | $ 283,000 | $ 32,000 |
| Visalia-Tulare-Porterville, CA | 2 | $ 300,000 | $ 150,000 | $ 27,000 |
| Las Vegas, NV-AZ | 1 | $ 218,000 | $ 218,000 | $ 91,000 |
| Merced, CA | 1 | $ 147,000 | $ 147,000 | $ 35,000 |
| Sacramento, CA | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| San Jose, CA | 1 | $ 341,000 | $ 341,000 | $ 22,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 1 | $ 365,000 | $ 365,000 | $ 85,000 |
| Yolo, CA | 1 | $ 241,000 | $ 241,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Goldenwestfunding:01-06/2006 in 2003
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 (home purchase or home improvement, one-to-four family) | 241 | $47,179,000 | $192,500 | $535,000 | $82,500 | $331,000 |
| Home Purchase (one-to-four family) | 139 | $28,161,000 | $171,250 | $372,000 | $58,750 | $384,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 187 | $33,565,000 | $168,000 | $395,000 | $49,250 | $384,000 |
| White | 124 | $28,437,000 | $188,666 | $510,000 | $71,333 | $243,000 |
| Information not provided by applicant in mail or telephone application | 44 | $8,962,000 | $205,500 | $535,000 | $69,500 | $331,000 |
| Black | 14 | $2,380,000 | $185,000 | $283,000 | $32,000 | $147,000 |
| Asian or Pacific Islander | 7 | $1,279,000 | $163,666 | $242,000 | $74,666 | $114,000 |
| American Indian or Alaskan Native | 3 | $474,000 | $158,000 | $228,000 | $39,000 | $73,000 |
| Other | 1 | $243,000 | $243,000 | $243,000 | $0 | $0 |
| 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) | 237 | $50,569,000 | $173,250 | $535,000 | $63,500 | $384,000 |
| FHA-insured (Federal Housing Administration) | 143 | $24,771,000 | $170,500 | $370,000 | $39,000 | $321,000 |
| 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 | 217 | $44,725,000 | $153,500 | $480,000 | $63,250 | $384,000 |
| File Closed For Incompleteness | 98 | $18,596,000 | $181,500 | $535,000 | $58,000 | $331,000 |
| Application Withdrawn By Applicant | 43 | $8,189,000 | $187,000 | $510,000 | $38,500 | $159,000 |
| Application Denied By Financial Institution | 22 | $3,830,000 | $169,000 | $259,000 | $43,000 | $85,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 2003 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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