Goldenwestfunding:01-06/2006 Mortgage Lending & HMDA Data, 2004
In 2004, Goldenwestfunding:01-06/2006 of Costa Mesa, CA reported 223 mortgage applications totaling $54.6 million, down 41% from 2003. The average application was for $245,017, and applicants reported an average income of $75,982. 84% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Santa Ana-Anaheim-Irvine, CA (35), Los Angeles-Long Beach-Glendale, CA (31) and Riverside-San Bernardino-Ontario, CA (25) (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 | 223 |
| Total Mortgage Loan Application Amount | $54,639,000 |
| Average Mortgage Loan Application Amount | $245,017 |
| Highest Mortgage Loan Application Amount | $832,000 |
| Average Applicant Income | $75,982 |
| Highest Applicant Income | $276,000 |
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records Goldenwestfunding:01-06/2006 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Goldenwestfunding:01-06/2006 in 2004
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 | 136 | $38,674,000 | $234,500 | $832,000 | $78,000 | $276,000 |
| Refinancing | 87 | $15,965,000 | $199,333 | $502,000 | $95,666 | $203,000 |
| 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 | 106 | $25,859,000 | $194,500 | $832,000 | $85,500 | $276,000 |
| White | 72 | $17,377,000 | $266,500 | $625,000 | $108,000 | $240,000 |
| Not Provided | 39 | $9,878,000 | $177,500 | $695,000 | $63,000 | $216,000 |
| Black or African American | 3 | $580,000 | $184,500 | $312,000 | $91,000 | $234,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $612,000 | $306,000 | $320,000 | $110,000 | $124,000 |
| Asian | 1 | $333,000 | $333,000 | $333,000 | $73,000 | $73,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 175 | $44,081,000 | $214,000 | $832,000 | $80,666 | $276,000 |
| FHA-insured (Federal Housing Administration) | 48 | $10,558,000 | $189,000 | $350,000 | $90,000 | $203,000 |
| 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 | 188 | $48,184,000 | $197,666 | $832,000 | $82,000 | $276,000 |
| Application Denied By Financial Institution | 31 | $5,903,000 | $190,000 | $624,000 | $71,000 | $163,000 |
| Application Withdrawn By Applicant | 4 | $552,000 | $138,000 | $212,000 | $57,000 | $80,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 2004 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.
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