Gfs Capital Mortgage Lending & HMDA Data, 2012
In 2012, Gfs Capital of Huntington Beach, CA reported 62,779 mortgage applications totaling $16.0 billion, up 380% from 2011. The average application was for $254,423, and applicants reported an average income of $93,643. 36% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (16,424), Santa Ana-Anaheim-Irvine, CA (7,981) and Riverside-San Bernardino-Ontario, CA (7,616) (applications in parentheses).
| Mortgage Company & Address | Gfs Capital 6499 Havenwood Circle Huntington Beach, CA 92648 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 |
| Total Number of Mortgage Applications | 62,779 |
| Total Mortgage Loan Application Amount | $15,972,471,000 |
| Average Mortgage Loan Application Amount | $254,423 |
| Highest Mortgage Loan Application Amount | $13,405,000 |
| Average Applicant Income | $93,643 |
| Highest Applicant Income | $9,972,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gfs Capital filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Glendale, CA | 16,424 | $ 4,665,844,000 | $ 284,086 | $ 99,000 |
| Santa Ana-Anaheim-Irvine, CA | 7,981 | $ 2,541,358,000 | $ 318,426 | $ 111,000 |
| Riverside-San Bernardino-Ontario, CA | 7,616 | $ 1,712,430,000 | $ 224,846 | $ 92,000 |
| San Diego-Carlsbad-San Marcos, CA | 2,921 | $ 833,017,000 | $ 285,182 | $ 104,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2,170 | $ 649,710,000 | $ 299,405 | $ 108,000 |
| Phoenix-Mesa-Glendale, AZ | 1,068 | $ 214,557,000 | $ 200,896 | $ 82,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 957 | $ 229,981,000 | $ 240,314 | $ 90,000 |
| Oakland-Fremont-Hayward, CA | 877 | $ 267,700,000 | $ 305,245 | $ 104,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 591 | $ 162,070,000 | $ 274,230 | $ 98,791 |
| Philadelphia, PA | 516 | $ 124,520,000 | $ 241,317 | $ 87,000 |
| Atlanta-Sandy Springs-Marietta, GA | 515 | $ 111,423,000 | $ 216,355 | $ 84,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 467 | $ 158,871,000 | $ 340,194 | $ 106,000 |
| Denver-Aurora-Broomfield, CO | 466 | $ 102,478,000 | $ 219,909 | $ 83,000 |
| San Francisco-San Mateo-Redwood City, CA | 453 | $ 155,734,000 | $ 343,783 | $ 108,000 |
| Houston-Sugar Land-Baytown, TX | 418 | $ 78,547,000 | $ 187,911 | $ 96,000 |
| Baltimore-Towson, MD | 416 | $ 96,965,000 | $ 233,088 | $ 91,000 |
| Edison-New Brunswick, NJ | 400 | $ 102,017,000 | $ 255,042 | $ 127,000 |
| Seattle-Bellevue-Everett, WA | 357 | $ 93,295,000 | $ 261,330 | $ 87,000 |
| Bakersfield-Delano, CA | 335 | $ 63,853,000 | $ 190,605 | $ 87,000 |
| Boston-Quincy, MA | 310 | $ 77,924,000 | $ 251,367 | $ 89,000 |
| Tampa-St. Petersburg-Clearwater, FL | 309 | $ 56,980,000 | $ 184,401 | $ 80,000 |
| Newark-Union, NJ-PA | 301 | $ 79,917,000 | $ 265,504 | $ 97,186 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 300 | $ 62,597,000 | $ 208,656 | $ 90,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 278 | $ 61,076,000 | $ 219,697 | $ 77,129 |
| Dallas-Plano-Irving, TX | 255 | $ 50,377,000 | $ 197,556 | $ 103,000 |
| Fresno, CA | 245 | $ 51,776,000 | $ 211,330 | $ 92,000 |
| Orlando-Kissimmee-Sanford, FL | 241 | $ 45,953,000 | $ 190,676 | $ 80,000 |
| Bethesda-Rockville-Frederick, MD | 239 | $ 66,363,000 | $ 277,669 | $ 111,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 238 | $ 51,552,000 | $ 216,605 | $ 88,000 |
| New York-White Plains-Wayne, NY-NJ | 232 | $ 67,353,000 | $ 290,314 | $ 116,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 224 | $ 40,867,000 | $ 182,441 | $ 72,589 |
| Tucson, AZ | 216 | $ 40,230,000 | $ 186,250 | $ 72,000 |
| Cambridge-Newton-Framingham, MA | 206 | $ 57,258,000 | $ 277,951 | $ 94,000 |
| Raleigh-Cary, NC | 193 | $ 39,567,000 | $ 205,010 | $ 80,000 |
| Hartford-West Hartford-East Hartford, CT | 191 | $ 39,595,000 | $ 207,303 | $ 78,000 |
| Pittsburgh, PA | 188 | $ 30,563,000 | $ 162,569 | $ 76,000 |
| Santa Rosa-Petaluma, CA | 187 | $ 51,584,000 | $ 275,850 | $ 92,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 187 | $ 41,835,000 | $ 223,716 | $ 78,438 |
| Chicago-Joliet-Naperville, IL | 181 | $ 38,292,000 | $ 211,558 | $ 75,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 180 | $ 57,918,000 | $ 321,766 | $ 106,000 |
| Stockton, CA | 180 | $ 38,862,000 | $ 215,900 | $ 80,000 |
| Camden, NJ | 178 | $ 35,109,000 | $ 197,241 | $ 88,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 177 | $ 32,657,000 | $ 184,502 | $ 74,000 |
| Jacksonville, FL | 175 | $ 33,744,000 | $ 192,822 | $ 75,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 169 | $ 36,405,000 | $ 215,414 | $ 91,000 |
| Austin-Round Rock-San Marcos, TX | 164 | $ 31,496,000 | $ 192,048 | $ 99,000 |
| San Luis Obispo-Paso Robles, CA | 160 | $ 45,189,000 | $ 282,431 | $ 112,000 |
| Fort Worth-Arlington, TX | 151 | $ 25,848,000 | $ 171,178 | $ 100,000 |
| Lake Havasu City-Kingman, AZ | 151 | $ 25,593,000 | $ 169,490 | $ 93,000 |
| Miami-Miami Beach-Kendall, FL | 150 | $ 32,949,000 | $ 219,660 | $ 99,000 |
| Indianapolis-Carmel, IN | 145 | $ 23,016,000 | $ 158,731 | $ 72,000 |
| Richmond, VA | 144 | $ 30,454,000 | $ 211,486 | $ 78,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 143 | $ 28,033,000 | $ 196,034 | $ 80,202 |
| Colorado Springs, CO | 142 | $ 31,356,000 | $ 220,816 | $ 86,000 |
| Vallejo-Fairfield, CA | 142 | $ 34,200,000 | $ 240,845 | $ 98,000 |
| Bridgeport-Stamford-Norwalk, CT | 134 | $ 38,122,000 | $ 284,492 | $ 107,000 |
| Modesto, CA | 131 | $ 26,850,000 | $ 204,961 | $ 85,000 |
| New Haven-Milford, CT | 126 | $ 26,897,000 | $ 213,468 | $ 91,000 |
| San Antonio-New Braunfels, TX | 122 | $ 21,893,000 | $ 179,450 | $ 91,000 |
| Tacoma, WA | 118 | $ 27,519,000 | $ 233,211 | $ 82,000 |
| New Orleans-Metairie-Kenner, LA | 117 | $ 20,791,000 | $ 177,700 | $ 72,000 |
| Peabody, MA | 114 | $ 28,461,000 | $ 249,657 | $ 84,000 |
| Salinas, CA | 112 | $ 31,583,000 | $ 281,991 | $ 92,000 |
| Albuquerque, NM | 109 | $ 21,287,000 | $ 195,293 | $ 80,000 |
| Milwaukee-Waukesha-West Allis, WI | 109 | $ 18,506,000 | $ 169,779 | $ 70,000 |
| Prescott, AZ | 109 | $ 21,365,000 | $ 196,009 | $ 82,000 |
| Visalia-Porterville, CA | 100 | $ 19,168,000 | $ 191,680 | $ 93,000 |
| Cleveland-Elyria-Mentor, OH | 98 | $ 15,473,000 | $ 157,887 | $ 74,000 |
| Birmingham-Hoover, AL | 92 | $ 16,618,000 | $ 180,630 | $ 90,000 |
| Worcester, MA | 90 | $ 19,262,000 | $ 214,022 | $ 78,000 |
| Louisville/Jefferson County, KY-IN | 89 | $ 14,233,000 | $ 159,921 | $ 74,382 |
| North Port-Bradenton-Sarasota, FL | 89 | $ 17,919,000 | $ 201,337 | $ 103,000 |
| Palm Bay-Melbourne-Titusville, FL | 89 | $ 15,481,000 | $ 173,943 | $ 85,000 |
| Baton Rouge, LA | 87 | $ 15,731,000 | $ 180,816 | $ 82,000 |
| Cincinnati-Middletown, OH-KY-IN | 84 | $ 14,980,000 | $ 178,333 | $ 91,452 |
| Fort Collins-Loveland, CO | 78 | $ 16,942,000 | $ 217,205 | $ 69,000 |
| Columbus, OH | 75 | $ 12,385,000 | $ 165,133 | $ 71,000 |
| Harrisburg-Carlisle, PA | 75 | $ 13,510,000 | $ 180,133 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 74 | $ 14,103,000 | $ 190,581 | $ 84,000 |
| Port St. Lucie, FL | 74 | $ 13,489,000 | $ 182,283 | $ 77,000 |
| Knoxville, TN | 73 | $ 14,173,000 | $ 194,150 | $ 81,000 |
| Santa Cruz-Watsonville, CA | 73 | $ 23,622,000 | $ 323,589 | $ 100,000 |
| Rockingham County-Strafford County, NH | 70 | $ 15,382,000 | $ 219,742 | $ 81,000 |
| Memphis, TN-MS-AR | 67 | $ 11,718,000 | $ 174,895 | $ 71,820 |
| Springfield, MA | 67 | $ 11,892,000 | $ 177,492 | $ 71,000 |
| Providence-New Bedford-Fall River, RI-MA | 66 | $ 15,409,000 | $ 233,469 | $ 86,000 |
| Boise City-Nampa, ID | 63 | $ 12,402,000 | $ 196,857 | $ 82,000 |
| Oklahoma City, OK | 62 | $ 10,374,000 | $ 167,322 | $ 89,000 |
| Tulsa, OK | 62 | $ 9,775,000 | $ 157,661 | $ 99,000 |
| Chico, CA | 60 | $ 13,202,000 | $ 220,033 | $ 78,000 |
| Greensboro-High Point, NC | 60 | $ 8,937,000 | $ 148,950 | $ 70,000 |
| Asheville, NC | 59 | $ 11,266,000 | $ 190,949 | $ 80,000 |
| Charleston-North Charleston-Summerville, SC | 59 | $ 12,384,000 | $ 209,898 | $ 97,000 |
| Durham-Chapel Hill, NC | 58 | $ 11,794,000 | $ 203,344 | $ 81,000 |
| Spokane, WA | 58 | $ 10,130,000 | $ 174,655 | $ 83,000 |
| Pensacola-Ferry Pass-Brent, FL | 57 | $ 10,213,000 | $ 179,175 | $ 89,000 |
| Boulder, CO | 56 | $ 13,937,000 | $ 248,875 | $ 78,000 |
| Chattanooga, TN-GA | 56 | $ 10,008,000 | $ 178,714 | $ 63,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 56 | $ 8,484,000 | $ 151,500 | $ 66,000 |
| Barnstable Town, MA | 54 | $ 13,417,000 | $ 248,462 | $ 97,000 |
| Gary, IN | 54 | $ 8,417,000 | $ 155,870 | $ 60,000 |
| Wilmington, NC | 53 | $ 10,393,000 | $ 196,094 | $ 113,000 |
| Merced, CA | 52 | $ 9,778,000 | $ 188,038 | $ 92,000 |
| Napa, CA | 52 | $ 15,104,000 | $ 290,461 | $ 101,000 |
| Olympia, WA | 51 | $ 10,312,000 | $ 202,196 | $ 73,000 |
| Lancaster, PA | 50 | $ 9,185,000 | $ 183,700 | $ 89,000 |
| Madera-Chowchilla, CA | 50 | $ 10,964,000 | $ 219,280 | $ 96,000 |
| Manchester-Nashua, NH | 50 | $ 9,946,000 | $ 198,920 | $ 90,000 |
| Redding, CA | 50 | $ 10,115,000 | $ 202,300 | $ 75,000 |
| Greenville-Mauldin-Easley, SC | 49 | $ 9,390,000 | $ 191,632 | $ 98,000 |
| Naples-Marco Island, FL | 49 | $ 11,276,000 | $ 230,122 | $ 101,000 |
| Columbia, SC | 48 | $ 8,582,000 | $ 178,791 | $ 80,000 |
| Lakeland-Winter Haven, FL | 47 | $ 8,113,000 | $ 172,617 | $ 62,000 |
| York-Hanover, PA | 47 | $ 8,285,000 | $ 176,276 | $ 73,000 |
| Little Rock-North Little Rock-Conway, AR | 46 | $ 8,401,000 | $ 182,630 | $ 89,000 |
| Trenton-Ewing, NJ | 46 | $ 10,895,000 | $ 236,847 | $ 91,000 |
| Greeley, CO | 45 | $ 9,062,000 | $ 201,377 | $ 78,000 |
| El Paso, TX | 44 | $ 6,506,000 | $ 147,863 | $ 82,000 |
| Flagstaff, AZ | 44 | $ 9,971,000 | $ 226,613 | $ 85,000 |
| Ocala, FL | 44 | $ 7,046,000 | $ 160,136 | $ 66,000 |
| Eugene-Springfield, OR | 43 | $ 8,792,000 | $ 204,465 | $ 72,000 |
| Atlantic City-Hammonton, NJ | 42 | $ 8,387,000 | $ 199,690 | $ 82,000 |
| Scranton--Wilkes-Barre, PA | 42 | $ 6,453,000 | $ 153,642 | $ 73,000 |
| Bremerton-Silverdale, WA | 41 | $ 9,100,000 | $ 221,951 | $ 62,000 |
| Huntsville, AL | 40 | $ 7,358,000 | $ 183,950 | $ 71,000 |
| Coeur D'Alene, ID | 38 | $ 8,229,000 | $ 216,552 | $ 64,000 |
| Winston-Salem, NC | 38 | $ 5,898,000 | $ 155,210 | $ 64,000 |
| Reading, PA | 36 | $ 6,436,000 | $ 178,777 | $ 67,000 |
| Salem, OR | 36 | $ 7,155,000 | $ 198,750 | $ 85,000 |
| Tallahassee, FL | 36 | $ 6,376,000 | $ 177,111 | $ 72,000 |
| Fayetteville, NC | 35 | $ 5,222,000 | $ 149,200 | $ 54,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 35 | $ 6,543,000 | $ 186,942 | $ 77,000 |
| El Centro, CA | 34 | $ 6,322,000 | $ 185,941 | $ 98,000 |
| Norwich-New London, CT | 34 | $ 6,419,000 | $ 188,794 | $ 54,000 |
| Kingsport-Bristol-Bristol, TN-VA | 33 | $ 5,360,000 | $ 162,424 | $ 61,363 |
| Lake County-Kenosha County, IL-WI | 33 | $ 6,257,000 | $ 189,606 | $ 67,363 |
| Akron, OH | 32 | $ 5,197,000 | $ 162,406 | $ 73,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 32 | $ 5,710,000 | $ 178,437 | $ 77,000 |
| Augusta-Richmond County, GA-SC | 31 | $ 5,232,000 | $ 168,774 | $ 163,774 |
| Kennewick-Pasco-Richland, WA | 31 | $ 5,462,000 | $ 176,193 | $ 64,000 |
| Yuma, AZ | 31 | $ 5,437,000 | $ 175,387 | $ 64,000 |
| Lexington-Fayette, KY | 30 | $ 5,224,000 | $ 174,133 | $ 65,000 |
| Montgomery, AL | 30 | $ 4,784,000 | $ 159,466 | $ 70,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 29 | $ 5,084,000 | $ 175,310 | $ 64,000 |
| Roanoke, VA | 29 | $ 5,978,000 | $ 206,137 | $ 74,000 |
| Bellingham, WA | 28 | $ 6,158,000 | $ 219,928 | $ 109,000 |
| Hickory-Lenoir-Morganton, NC | 28 | $ 4,270,000 | $ 152,500 | $ 43,000 |
| Mobile, AL | 28 | $ 4,221,000 | $ 150,750 | $ 63,000 |
| Crestview-Fort Walton Beach-Destin, FL | 27 | $ 5,276,000 | $ 195,407 | $ 82,000 |
| Hagerstown-Martinsburg, MD-WV | 27 | $ 5,586,000 | $ 206,888 | $ 61,000 |
| Madison, WI | 27 | $ 5,755,000 | $ 213,148 | $ 91,000 |
| Yuba City, CA | 27 | $ 5,489,000 | $ 203,296 | $ 102,000 |
| Dayton, OH | 26 | $ 3,936,000 | $ 151,384 | $ 68,000 |
| Medford, OR | 26 | $ 5,334,000 | $ 205,153 | $ 71,000 |
| Shreveport-Bossier City, LA | 26 | $ 4,416,000 | $ 169,846 | $ 79,000 |
| Lynchburg, VA | 25 | $ 4,851,000 | $ 194,040 | $ 49,000 |
| Toledo, OH | 23 | $ 4,030,000 | $ 175,217 | $ 65,000 |
| Bend, OR | 22 | $ 5,222,000 | $ 237,363 | $ 59,000 |
| Charlottesville, VA | 22 | $ 4,624,000 | $ 210,181 | $ 73,000 |
| Gainesville, FL | 22 | $ 4,123,000 | $ 187,409 | $ 133,000 |
| Hanford-Corcoran, CA | 22 | $ 3,457,000 | $ 157,136 | $ 48,000 |
| Lafayette, LA | 22 | $ 3,821,000 | $ 173,681 | $ 112,000 |
| Pueblo, CO | 22 | $ 3,061,000 | $ 139,136 | $ 65,000 |
| Sebastian-Vero Beach, FL | 22 | $ 3,720,000 | $ 169,090 | $ 76,000 |
| Youngstown-Warren-Boardman, OH-PA | 22 | $ 3,519,000 | $ 159,954 | $ 54,454 |
| Duluth, MN-WI | 21 | $ 3,078,000 | $ 146,571 | $ 69,857 |
| Grand Junction, CO | 21 | $ 4,332,000 | $ 206,285 | $ 77,000 |
| Ocean City, NJ | 21 | $ 5,073,000 | $ 241,571 | $ 83,000 |
| Corpus Christi, TX | 20 | $ 3,124,000 | $ 156,200 | $ 77,000 |
| Las Cruces, NM | 20 | $ 4,079,000 | $ 203,950 | $ 120,000 |
| Santa Fe, NM | 20 | $ 4,874,000 | $ 243,700 | $ 126,000 |
| Appleton, WI | 19 | $ 2,897,000 | $ 152,473 | $ 53,000 |
| Jacksonville, NC | 19 | $ 3,112,000 | $ 163,789 | $ 67,000 |
| McAllen-Edinburg-Mission, TX | 19 | $ 3,086,000 | $ 162,421 | $ 81,000 |
| Wilmington, DE-MD-NJ | 19 | $ 4,526,000 | $ 238,210 | $ 75,684 |
| Yakima, WA | 19 | $ 3,375,000 | $ 177,631 | $ 56,000 |
| Athens-Clarke County, GA | 18 | $ 3,139,000 | $ 174,388 | $ 88,000 |
| Canton-Massillon, OH | 18 | $ 3,069,000 | $ 170,500 | $ 85,000 |
| Gainesville, GA | 18 | $ 4,356,000 | $ 242,000 | $ 99,000 |
| Beaumont-Port Arthur, TX | 17 | $ 2,503,000 | $ 147,235 | $ 101,000 |
| Fort Smith, AR-OK | 17 | $ 2,979,000 | $ 175,235 | $ 71,764 |
| Fort Wayne, IN | 17 | $ 2,110,000 | $ 124,117 | $ 52,000 |
| Lebanon, PA | 17 | $ 2,691,000 | $ 158,294 | $ 57,000 |
| Palm Coast, FL | 17 | $ 2,483,000 | $ 146,058 | $ 80,000 |
| Punta Gorda, FL | 17 | $ 2,869,000 | $ 168,764 | $ 62,000 |
| Clarksville, TN-KY | 16 | $ 2,531,000 | $ 158,187 | $ 69,000 |
| Lake Charles, LA | 16 | $ 2,296,000 | $ 143,500 | $ 54,000 |
| Savannah, GA | 16 | $ 3,135,000 | $ 195,937 | $ 73,000 |
| South Bend-Mishawaka, IN-MI | 16 | $ 1,987,000 | $ 124,187 | $ 54,000 |
| Erie, PA | 15 | $ 2,744,000 | $ 182,933 | $ 65,000 |
| Tuscaloosa, AL | 15 | $ 2,858,000 | $ 190,533 | $ 75,000 |
| Winchester, VA-WV | 15 | $ 3,609,000 | $ 240,600 | $ 89,000 |
| Auburn-Opelika, AL | 14 | $ 2,314,000 | $ 165,285 | $ 86,000 |
| Columbus, GA-AL | 14 | $ 2,809,000 | $ 200,642 | $ 99,000 |
| Spartanburg, SC | 14 | $ 2,000,000 | $ 142,857 | $ 103,000 |
| Tyler, TX | 14 | $ 2,359,000 | $ 168,500 | $ 55,000 |
| Wenatchee-East Wenatchee, WA | 14 | $ 3,227,000 | $ 230,500 | $ 96,000 |
| Farmington, NM | 13 | $ 2,335,000 | $ 179,615 | $ 62,000 |
| Mount Vernon-Anacortes, WA | 13 | $ 2,792,000 | $ 214,769 | $ 77,000 |
| Wausau, WI | 13 | $ 1,555,000 | $ 119,615 | $ 55,000 |
| Green Bay, WI | 12 | $ 1,623,000 | $ 135,250 | $ 48,000 |
| Idaho Falls, ID | 12 | $ 1,875,000 | $ 156,250 | $ 45,000 |
| Lafayette, IN | 12 | $ 1,686,000 | $ 140,500 | $ 69,000 |
| Longview, WA | 12 | $ 2,114,000 | $ 176,166 | $ 63,000 |
| Monroe, LA | 12 | $ 1,578,000 | $ 131,500 | $ 62,000 |
| Racine, WI | 12 | $ 1,724,000 | $ 143,666 | $ 61,000 |
| Greenville, NC | 11 | $ 2,406,000 | $ 218,727 | $ 68,000 |
| Macon, GA | 11 | $ 2,086,000 | $ 189,636 | $ 99,000 |
| Rocky Mount, NC | 11 | $ 1,552,000 | $ 141,090 | $ 35,000 |
| St. Cloud, MN | 11 | $ 1,598,000 | $ 145,272 | $ 59,000 |
| Alexandria, LA | 10 | $ 1,257,000 | $ 125,700 | $ 56,000 |
| Brunswick, GA | 10 | $ 2,174,000 | $ 217,400 | $ 117,000 |
| Burlington, NC | 10 | $ 2,168,000 | $ 216,800 | $ 101,000 |
| Cleveland, TN | 10 | $ 1,716,000 | $ 171,600 | $ 65,000 |
| Danville, VA | 10 | $ 1,196,000 | $ 119,600 | $ 39,000 |
| Elkhart-Goshen, IN | 10 | $ 1,223,000 | $ 122,300 | $ 220,000 |
| Harrisonburg, VA | 10 | $ 1,844,000 | $ 184,400 | $ 66,000 |
| Houma-Bayou Cane-Thibodaux, LA | 10 | $ 1,652,000 | $ 165,200 | $ 78,000 |
| Jackson, TN | 10 | $ 1,438,000 | $ 143,800 | $ 39,000 |
| Midland, TX | 10 | $ 1,489,000 | $ 148,900 | $ 77,000 |
| Salisbury, MD | 10 | $ 1,889,000 | $ 188,900 | $ 59,000 |
| St. Louis, MO-IL | 10 | $ 1,652,000 | $ 165,200 | $ 45,000 |
| Vineland-Millville-Bridgeton, NJ | 10 | $ 1,573,000 | $ 157,300 | $ 97,000 |
| Altoona, PA | 9 | $ 1,504,000 | $ 167,111 | $ 44,000 |
| Decatur, AL | 9 | $ 1,310,000 | $ 145,555 | $ 66,000 |
| Evansville, IN-KY | 9 | $ 1,701,000 | $ 189,000 | $ 80,666 |
| Johnson City, TN | 9 | $ 1,682,000 | $ 186,888 | $ 116,000 |
| Killeen-Temple-Fort Hood, TX | 9 | $ 1,072,000 | $ 119,111 | $ 43,000 |
| Michigan City-La Porte, IN | 9 | $ 1,353,000 | $ 150,333 | $ 66,000 |
| Oshkosh-Neenah, WI | 9 | $ 1,499,000 | $ 166,555 | $ 84,000 |
| Pittsfield, MA | 9 | $ 1,660,000 | $ 184,444 | $ 63,000 |
| Rochester, MN | 9 | $ 1,857,000 | $ 206,333 | $ 67,000 |
| Springfield, OH | 9 | $ 1,159,000 | $ 128,777 | $ 78,000 |
| Warner Robins, GA | 9 | $ 1,560,000 | $ 173,333 | $ 64,000 |
| Williamsport, PA | 9 | $ 1,152,000 | $ 128,000 | $ 58,000 |
| Anderson, SC | 8 | $ 1,197,000 | $ 149,625 | $ 72,000 |
| Brownsville-Harlingen, TX | 8 | $ 1,488,000 | $ 186,000 | $ 103,000 |
| Dothan, AL | 8 | $ 1,073,000 | $ 134,125 | $ 82,000 |
| Hot Springs, AR | 8 | $ 1,191,000 | $ 148,875 | $ 56,000 |
| Laredo, TX | 8 | $ 1,201,000 | $ 150,125 | $ 68,000 |
| Waco, TX | 8 | $ 1,144,000 | $ 143,000 | $ 63,000 |
| Amarillo, TX | 7 | $ 1,402,000 | $ 200,285 | $ 46,000 |
| Bloomington, IN | 7 | $ 970,000 | $ 138,571 | $ 36,000 |
| Columbus, IN | 7 | $ 1,005,000 | $ 143,571 | $ 88,000 |
| Goldsboro, NC | 7 | $ 1,136,000 | $ 162,285 | $ 58,000 |
| Longview, TX | 7 | $ 933,000 | $ 133,285 | $ 59,000 |
| Corvallis, OR | 6 | $ 1,565,000 | $ 260,833 | $ 79,000 |
| Elizabethtown, KY | 6 | $ 959,000 | $ 159,833 | $ 69,000 |
| Lewiston, ID-WA | 6 | $ 1,201,000 | $ 200,166 | $ 31,666 |
| Lubbock, TX | 6 | $ 709,000 | $ 118,166 | $ 35,000 |
| Morristown, TN | 6 | $ 1,349,000 | $ 224,833 | $ 86,000 |
| Pocatello, ID | 6 | $ 600,000 | $ 100,000 | $ 28,000 |
| Sheboygan, WI | 6 | $ 656,000 | $ 109,333 | $ 49,000 |
| State College, PA | 6 | $ 1,416,000 | $ 236,000 | $ 114,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 720,000 | $ 120,000 | $ 31,000 |
| Valdosta, GA | 6 | $ 669,000 | $ 111,500 | $ 58,000 |
| Albany, GA | 5 | $ 1,199,000 | $ 239,800 | $ 94,000 |
| Anniston-Oxford, AL | 5 | $ 820,000 | $ 164,000 | $ 36,000 |
| College Station-Bryan, TX | 5 | $ 1,212,000 | $ 242,400 | $ 333,000 |
| Cumberland, MD-WV | 5 | $ 627,000 | $ 125,400 | $ 48,000 |
| Dalton, GA | 5 | $ 568,000 | $ 113,600 | $ 149,000 |
| Eau Claire, WI | 5 | $ 1,081,000 | $ 216,200 | $ 69,000 |
| Florence, SC | 5 | $ 753,000 | $ 150,600 | $ 61,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 597,000 | $ 119,400 | $ 47,400 |
| Janesville, WI | 5 | $ 657,000 | $ 131,400 | $ 53,000 |
| Jonesboro, AR | 5 | $ 811,000 | $ 162,200 | $ 101,000 |
| Mankato-North Mankato, MN | 5 | $ 756,000 | $ 151,200 | $ 58,000 |
| Terre Haute, IN | 5 | $ 609,000 | $ 121,800 | $ 43,000 |
| Wichita Falls, TX | 5 | $ 568,000 | $ 113,600 | $ 54,000 |
| Abilene, TX | 4 | $ 579,000 | $ 144,750 | $ 52,000 |
| Anderson, IN | 4 | $ 315,000 | $ 78,750 | $ 41,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 779,000 | $ 194,750 | $ 60,000 |
| Bowling Green, KY | 4 | $ 447,000 | $ 111,750 | $ 51,000 |
| Florence-Muscle Shoals, AL | 4 | $ 636,000 | $ 159,000 | $ 57,000 |
| Peoria, IL | 4 | $ 606,000 | $ 151,500 | $ 91,000 |
| Pine Bluff, AR | 4 | $ 481,000 | $ 120,250 | $ 24,000 |
| Rockford, IL | 4 | $ 460,000 | $ 115,000 | $ 39,000 |
| Sandusky, OH | 4 | $ 843,000 | $ 210,750 | $ 170,000 |
| Champaign-Urbana, IL | 3 | $ 492,000 | $ 164,000 | $ 111,000 |
| Fond Du Lac, WI | 3 | $ 333,000 | $ 111,000 | $ 38,000 |
| Gadsden, AL | 3 | $ 576,000 | $ 192,000 | $ 56,000 |
| Hinesville-Fort Stewart, GA | 3 | $ 363,000 | $ 121,000 | $ 8,000 |
| Kokomo, IN | 3 | $ 328,000 | $ 109,333 | $ 61,000 |
| Lima, OH | 3 | $ 322,000 | $ 107,333 | $ 25,000 |
| Mansfield, OH | 3 | $ 302,000 | $ 100,666 | $ 63,000 |
| Muncie, IN | 3 | $ 590,000 | $ 196,666 | $ 108,000 |
| Owensboro, KY | 3 | $ 393,000 | $ 131,000 | $ 57,000 |
| Sumter, SC | 3 | $ 548,000 | $ 182,666 | $ 97,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 185,000 | $ 92,500 | $ 31,000 |
| Decatur, IL | 2 | $ 139,000 | $ 69,500 | $ 0 |
| Fargo, ND-MN | 2 | $ 241,000 | $ 120,500 | $ 31,000 |
| Johnstown, PA | 2 | $ 407,000 | $ 203,500 | $ 53,000 |
| Lawton, OK | 2 | $ 151,000 | $ 75,500 | $ 15,000 |
| Sherman-Denison, TX | 2 | $ 386,000 | $ 193,000 | $ 40,000 |
| Victoria, TX | 2 | $ 229,000 | $ 114,500 | $ 56,000 |
| Wheeling, WV-OH | 2 | $ 240,000 | $ 120,000 | $ 20,000 |
| Bloomington-Normal, IL | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Grand Forks, ND-MN | 1 | $ 170,000 | $ 170,000 | $ 30,000 |
| Kankakee-Bradley, IL | 1 | $ 280,000 | $ 280,000 | $ 127,000 |
| La Crosse, WI-MN | 1 | $ 282,000 | $ 282,000 | $ 86,000 |
| Logan, UT-ID | 1 | $ 83,000 | $ 83,000 | $ 35,000 |
| Odessa, TX | 1 | $ 63,000 | $ 63,000 | $ 12,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Rome, GA | 1 | $ 190,000 | $ 190,000 | $ 120,000 |
| San Angelo, TX | 1 | $ 254,000 | $ 254,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Gfs Capital in 2012
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 | 61,095 | $15,518,769,000 | $254,000 | $13,405,000 | $93,000 | $9,972,000 |
| Home Purchase | 1,684 | $453,702,000 | $269,000 | $1,121,000 | $117,000 | $2,108,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 35,269 | $9,049,876,000 | $256,000 | $2,100,000 | $105,000 | $9,972,000 |
| Not Provided | 13,423 | $3,213,782,000 | $239,000 | $11,009,000 | $60,000 | $2,500,000 |
| Hispanic | 6,306 | $1,551,236,000 | $245,000 | $735,000 | $87,000 | $1,170,000 |
| Asian | 5,622 | $1,651,637,000 | $293,000 | $13,405,000 | $115,000 | $3,020,000 |
| Black or African American | 1,508 | $331,492,000 | $219,000 | $810,000 | $79,000 | $800,000 |
| Native Hawaiian or Other Pacific Islander | 455 | $125,276,000 | $275,000 | $695,000 | $97,000 | $660,000 |
| American Indian or Alaskan Native | 195 | $48,853,000 | $250,000 | $729,000 | $108,000 | $537,000 |
| Not applicable | 1 | $319,000 | $319,000 | $319,000 | $113,000 | $113,000 |
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) | 60,007 | $15,285,586,000 | $254,000 | $13,405,000 | $95,000 | $9,972,000 |
| FHA-insured (Federal Housing Administration) | 2,657 | $651,559,000 | $245,000 | $1,121,000 | $71,000 | $1,392,000 |
| VA-guaranteed (Veterans Administration) | 115 | $35,326,000 | $307,000 | $594,000 | $25,000 | $269,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 Withdrawn By Applicant | 24,075 | $5,980,489,000 | $248,000 | $3,600,000 | $94,000 | $9,972,000 |
| Loan Originated | 22,322 | $5,981,532,000 | $267,000 | $825,000 | $109,000 | $2,276,000 |
| Application Denied By Financial Institution | 10,975 | $2,696,781,000 | $245,000 | $13,405,000 | $67,000 | $1,620,000 |
| File Closed For Incompleteness | 5,143 | $1,250,191,000 | $243,000 | $1,480,000 | $87,000 | $3,000,000 |
| Application Approved But Not Accepted | 264 | $63,478,000 | $240,000 | $715,000 | $105,000 | $778,000 |
| 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 | 3,195 | $724,261,000 | $226,000 | $13,405,000 | $43,000 | $1,620,000 |
| Debt-To-Income Ratio | 2,705 | $711,392,000 | $262,000 | $916,000 | $64,000 | $651,000 |
| Collateral | 1,965 | $511,667,000 | $260,000 | $1,100,000 | $95,000 | $927,000 |
| Other | 1,290 | $317,945,000 | $246,000 | $1,525,000 | $91,000 | $654,000 |
| Unverifiable Information | 199 | $49,096,000 | $246,000 | $626,000 | $91,000 | $600,000 |
| Employment History | 94 | $22,943,000 | $244,000 | $809,000 | $67,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 69 | $19,064,000 | $276,000 | $570,000 | $92,000 | $394,000 |
| Mortgage Insurance Denied | 11 | $2,237,000 | $203,000 | $404,000 | $74,000 | $150,000 |
| Credit Application Incomplete | 2 | $485,000 | $242,000 | $285,000 | $115,000 | $153,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gfs Capital's 2012 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 Gfs Capital'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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