Harborside Financial Network Mortgage Lending & HMDA Data, 2006
In 2006, Harborside Financial Network of San Marcos, CA reported 1,511 mortgage applications totaling $377.6 million, up 117% from 2005. The average application was for $249,882, and applicants reported an average income of $107,115. 52% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (209), Sacramento--Arden-Arcade--Roseville, CA (129) and Riverside-San Bernardino-Ontario, CA (105) (applications in parentheses).
| Mortgage Company & Address | Harborside Financial Network 334 Via Vera Cruz, Suite 254 San Marcos, CA 92078 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,511 |
| Total Mortgage Loan Application Amount | $377,573,000 |
| Average Mortgage Loan Application Amount | $249,882 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $107,115 |
| Highest Applicant Income | $1,902,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Harborside Financial Network filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 209 | $ 68,110,000 | $ 325,885 | $ 119,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 129 | $ 37,746,000 | $ 292,604 | $ 110,000 |
| Riverside-San Bernardino-Ontario, CA | 105 | $ 25,988,000 | $ 247,504 | $ 96,000 |
| San Diego-Carlsbad-San Marcos, CA | 84 | $ 28,118,000 | $ 334,738 | $ 140,000 |
| Las Vegas-Paradise, NV | 83 | $ 17,542,000 | $ 211,349 | $ 110,000 |
| Santa Ana-Anaheim-Irvine, CA | 81 | $ 38,109,000 | $ 470,481 | $ 221,000 |
| Houston-Sugar Land-Baytown, TX | 70 | $ 6,419,000 | $ 91,700 | $ 44,000 |
| Grand Junction, CO | 44 | $ 5,735,000 | $ 130,340 | $ 45,000 |
| Phoenix-Mesa-Scottsdale, AZ | 34 | $ 6,240,000 | $ 183,529 | $ 140,000 |
| Cedar Rapids, IA | 30 | $ 3,662,000 | $ 122,066 | $ 49,000 |
| Denver-Aurora, CO | 30 | $ 5,354,000 | $ 178,466 | $ 81,000 |
| Fort Worth-Arlington, TX | 29 | $ 3,731,000 | $ 128,655 | $ 87,000 |
| Dallas-Plano-Irving, TX | 24 | $ 2,202,000 | $ 91,750 | $ 91,000 |
| Salinas, CA | 23 | $ 8,279,000 | $ 359,956 | $ 106,000 |
| Fresno, CA | 21 | $ 4,801,000 | $ 228,619 | $ 132,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 5,868,000 | $ 279,428 | $ 126,000 |
| Oakland-Fremont-Hayward, CA | 20 | $ 6,358,000 | $ 317,900 | $ 82,000 |
| Reno-Sparks, NV | 17 | $ 2,707,000 | $ 159,235 | $ 63,000 |
| Stockton, CA | 16 | $ 3,937,000 | $ 246,062 | $ 105,000 |
| Tacoma, WA | 15 | $ 2,873,000 | $ 191,533 | $ 86,000 |
| San Francisco-San Mateo-Redwood City, CA | 14 | $ 8,021,000 | $ 572,928 | $ 225,000 |
| Ogden-Clearfield, UT | 12 | $ 1,542,000 | $ 128,500 | $ 76,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 6,332,000 | $ 527,666 | $ 137,000 |
| Boise City-Nampa, ID | 11 | $ 1,939,000 | $ 176,272 | $ 111,000 |
| Chico, CA | 11 | $ 2,198,000 | $ 199,818 | $ 63,000 |
| Honolulu, HI | 11 | $ 2,725,000 | $ 247,727 | $ 148,000 |
| Kansas City, MO-KS | 9 | $ 1,096,000 | $ 121,777 | $ 34,666 |
| Vallejo-Fairfield, CA | 9 | $ 3,263,000 | $ 362,555 | $ 122,000 |
| Spokane, WA | 8 | $ 710,000 | $ 88,750 | $ 67,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,040,000 | $ 130,000 | $ 74,000 |
| Albuquerque, NM | 7 | $ 1,438,000 | $ 205,428 | $ 89,000 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 3,363,000 | $ 480,428 | $ 311,000 |
| Austin-Round Rock, TX | 7 | $ 585,000 | $ 83,571 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 988,000 | $ 141,142 | $ 92,000 |
| Chicago-Naperville-Joliet, IL | 6 | $ 2,020,000 | $ 336,666 | $ 184,000 |
| Portland-Vancouver-Beaverton, OR-WA | 6 | $ 1,183,000 | $ 197,166 | $ 65,500 |
| Redding, CA | 6 | $ 1,136,000 | $ 189,333 | $ 75,000 |
| Colorado Springs, CO | 5 | $ 992,000 | $ 198,400 | $ 152,000 |
| Modesto, CA | 5 | $ 1,050,000 | $ 210,000 | $ 120,000 |
| Nashville-Davidson--Murfreesboro, TN | 5 | $ 458,000 | $ 91,600 | $ 194,000 |
| Oklahoma City, OK | 5 | $ 589,000 | $ 117,800 | $ 65,000 |
| Santa Fe, NM | 5 | $ 621,000 | $ 124,200 | $ 11,000 |
| Bellingham, WA | 4 | $ 656,000 | $ 164,000 | $ 75,000 |
| Bremerton-Silverdale, WA | 4 | $ 583,000 | $ 145,750 | $ 92,000 |
| Iowa City, IA | 4 | $ 332,000 | $ 83,000 | $ 25,000 |
| San Antonio, TX | 4 | $ 465,000 | $ 116,250 | $ 72,000 |
| St. Joseph, MO-KS | 4 | $ 524,000 | $ 131,000 | $ 55,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 902,000 | $ 225,500 | $ 84,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 354,000 | $ 88,500 | $ 35,000 |
| Yuba City, CA | 4 | $ 938,000 | $ 234,500 | $ 75,000 |
| Bakersfield, CA | 3 | $ 962,000 | $ 320,666 | $ 94,000 |
| Birmingham-Hoover, AL | 3 | $ 845,000 | $ 281,666 | $ 103,000 |
| Jefferson City, MO | 3 | $ 289,000 | $ 96,333 | $ 108,000 |
| Kennewick-Richland-Pasco, WA | 3 | $ 458,000 | $ 152,666 | $ 75,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 233,000 | $ 77,666 | $ 59,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 2,267,000 | $ 755,666 | $ 376,000 |
| Prescott, AZ | 3 | $ 467,000 | $ 155,666 | $ 58,000 |
| Salem, OR | 3 | $ 275,000 | $ 91,666 | $ 77,000 |
| Abilene, TX | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| College Station-Bryan, TX | 2 | $ 185,000 | $ 92,500 | $ 133,000 |
| El Centro, CA | 2 | $ 526,000 | $ 263,000 | $ 174,000 |
| Evansville, IN-KY | 2 | $ 64,000 | $ 32,000 | $ 49,000 |
| Greeley, CO | 2 | $ 273,000 | $ 136,500 | $ 33,000 |
| Idaho Falls, ID | 2 | $ 302,000 | $ 151,000 | $ 0 |
| Joplin, MO | 2 | $ 176,000 | $ 88,000 | $ 24,000 |
| Lincoln, NE | 2 | $ 260,000 | $ 130,000 | $ 144,000 |
| Longview, WA | 2 | $ 240,000 | $ 120,000 | $ 32,000 |
| Memphis, TN-MS-AR | 2 | $ 424,000 | $ 212,000 | $ 122,500 |
| Merced, CA | 2 | $ 466,000 | $ 233,000 | $ 42,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 4,400,000 | $ 2,200,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 322,000 | $ 161,000 | $ 165,000 |
| Niles-Benton Harbor, MI | 2 | $ 153,000 | $ 76,500 | $ 51,000 |
| Norwich-New London, CT | 2 | $ 176,000 | $ 88,000 | $ 44,000 |
| Olympia, WA | 2 | $ 441,000 | $ 220,500 | $ 32,000 |
| St. Louis, MO-IL | 2 | $ 146,000 | $ 73,000 | $ 147,000 |
| Tulsa, OK | 2 | $ 115,000 | $ 57,500 | $ 163,000 |
| Visalia-Porterville, CA | 2 | $ 400,000 | $ 200,000 | $ 45,000 |
| Wenatchee, WA | 2 | $ 223,000 | $ 111,500 | $ 71,000 |
| Amarillo, TX | 1 | $ 60,000 | $ 60,000 | $ 110,000 |
| Bend, OR | 1 | $ 265,000 | $ 265,000 | $ 61,000 |
| Boston-Quincy, MA | 1 | $ 265,000 | $ 265,000 | $ 171,000 |
| Boulder, CO | 1 | $ 182,000 | $ 182,000 | $ 56,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 365,000 | $ 365,000 | $ 156,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 240,000 | $ 240,000 | $ 67,000 |
| Carson City, NV | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 153,000 | $ 153,000 | $ 263,000 |
| Cleveland, TN | 1 | $ 60,000 | $ 60,000 | $ 133,000 |
| Coeur D'Alene, ID | 1 | $ 168,000 | $ 168,000 | $ 84,000 |
| Columbia, MO | 1 | $ 152,000 | $ 152,000 | $ 52,000 |
| Corpus Christi, TX | 1 | $ 54,000 | $ 54,000 | $ 16,000 |
| Des Moines-West Des Moines, IA | 1 | $ 70,000 | $ 70,000 | $ 180,000 |
| El Paso, TX | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Eugene-Springfield, OR | 1 | $ 216,000 | $ 216,000 | $ 67,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 131,000 | $ 131,000 | $ 56,000 |
| Fort Collins-Loveland, CO | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 300,000 | $ 300,000 | $ 99,000 |
| Gary, IN | 1 | $ 63,000 | $ 63,000 | $ 91,000 |
| Greenville, SC | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Hanford-Corcoran, CA | 1 | $ 153,000 | $ 153,000 | $ 65,000 |
| Harrisonburg, VA | 1 | $ 280,000 | $ 280,000 | $ 106,000 |
| Indianapolis-Carmel, IN | 1 | $ 134,000 | $ 134,000 | $ 144,000 |
| Jackson, MS | 1 | $ 33,000 | $ 33,000 | $ 39,000 |
| Knoxville, TN | 1 | $ 370,000 | $ 370,000 | $ 181,000 |
| Lakeland, FL | 1 | $ 235,000 | $ 235,000 | $ 56,000 |
| Lansing-East Lansing, MI | 1 | $ 342,000 | $ 342,000 | $ 131,000 |
| Naples-Marco Island, FL | 1 | $ 341,000 | $ 341,000 | $ 0 |
| Orlando-Kissimmee, FL | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 137,000 | $ 137,000 | $ 55,000 |
| Pocatello, ID | 1 | $ 30,000 | $ 30,000 | $ 93,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 324,000 | $ 324,000 | $ 240,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 484,000 | $ 484,000 | $ 150,000 |
| St. George, UT | 1 | $ 205,000 | $ 205,000 | $ 252,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 580,000 | $ 580,000 | $ 260,000 |
| Yuma, AZ | 1 | $ 349,000 | $ 349,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Harborside Financial Network 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 | 996 | $213,443,000 | $214,000 | $2,000,000 | $101,000 | $988,000 |
| Refinancing | 481 | $153,555,000 | $319,000 | $6,000,000 | $120,000 | $1,902,000 |
| Home Improvement | 34 | $10,575,000 | $311,000 | $880,000 | $104,000 | $414,000 |
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 |
|---|---|---|---|---|---|---|
| White | 634 | $154,247,000 | $243,000 | $6,000,000 | $123,000 | $1,902,000 |
| Not Provided | 384 | $94,766,000 | $246,000 | $3,500,000 | $67,000 | $599,000 |
| Hispanic | 248 | $58,707,000 | $236,000 | $1,654,000 | $105,000 | $756,000 |
| Asian | 133 | $38,197,000 | $287,000 | $880,000 | $128,000 | $988,000 |
| Black or African American | 102 | $28,432,000 | $278,000 | $2,000,000 | $131,000 | $780,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,799,000 | $299,000 | $578,000 | $212,000 | $360,000 |
| American Indian or Alaskan Native | 4 | $1,425,000 | $356,000 | $650,000 | $141,000 | $174,000 |
| 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) | 1,367 | $361,472,000 | $264,000 | $6,000,000 | $114,000 | $1,902,000 |
| FHA-insured (Federal Housing Administration) | 144 | $16,101,000 | $111,000 | $274,000 | $41,000 | $206,000 |
| 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 | 781 | $191,043,000 | $244,000 | $1,568,000 | $112,000 | $1,902,000 |
| Application Withdrawn By Applicant | 357 | $90,654,000 | $253,000 | $3,500,000 | $76,000 | $988,000 |
| Application Denied By Financial Institution | 243 | $62,731,000 | $258,000 | $6,000,000 | $130,000 | $1,800,000 |
| Application Approved But Not Accepted | 74 | $19,083,000 | $257,000 | $1,075,000 | $126,000 | $599,000 |
| File Closed For Incompleteness | 54 | $13,400,000 | $248,000 | $1,000,000 | $122,000 | $599,000 |
| Preapproval Approved but not Accepted | 1 | $62,000 | $62,000 | $62,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 1 | $600,000 | $600,000 | $600,000 | $162,000 | $162,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 70 | $15,688,000 | $224,000 | $2,000,000 | $122,000 | $780,000 |
| Other | 45 | $12,254,000 | $272,000 | $1,163,000 | $182,000 | $720,000 |
| Employment History | 40 | $14,836,000 | $370,000 | $6,000,000 | $147,000 | $1,800,000 |
| Debt-To-Income Ratio | 37 | $8,916,000 | $240,000 | $625,000 | $95,000 | $303,000 |
| Collateral | 33 | $7,182,000 | $217,000 | $640,000 | $118,000 | $420,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,192,000 | $199,000 | $400,000 | $78,000 | $206,000 |
| Unverifiable Information | 4 | $1,496,000 | $374,000 | $640,000 | $100,000 | $132,000 |
| Credit Application Incomplete | 4 | $767,000 | $191,000 | $360,000 | $103,000 | $264,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Harborside Financial Network'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 Harborside Financial Network'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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