Hcl Finance, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Hcl Finance, Inc 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Hcl Finance, Inc 2560 Mission College Boulevard #102 Santa Clara, CA 95054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,046 |
| Total Mortgage Loan Application Amount | $1,433,750,000 |
| Average Mortgage Loan Application Amount | $196,363 |
| Highest Mortgage Loan Application Amount | $26,010,000 |
| Average Applicant Income | $21,000 |
| Highest Applicant Income | $900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Hcl Finance, Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Hcl Finance, Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Hcl Finance, Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Hcl Finance, Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Hcl Finance, Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Hcl Finance, Inc's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 1,844 | $ 428,645,000 | $ 232,000 | $ 62,000 |
| Santa Clara County California | 863 | $ 238,143,000 | $ 275,000 | $ 65,000 |
| Orange County California | 763 | $ 188,264,000 | $ 246,000 | $ 61,000 |
| Alameda County California | 406 | $ 106,066,000 | $ 261,000 | $ 19,000 |
| San Bernardino County California | 279 | $ 48,960,000 | $ 175,000 | $ 63,000 |
| Contra Costa County California | 193 | $ 51,474,000 | $ 266,000 | $ 29,000 |
| Ventura County California | 179 | $ 41,999,000 | $ 234,000 | $ 70,000 |
| Riverside County California | 166 | $ 31,692,000 | $ 190,000 | $ 45,000 |
| San Diego County California | 148 | $ 37,828,000 | $ 255,000 | $ 48,000 |
| San Mateo County California | 119 | $ 37,054,000 | $ 311,000 | $ 23,000 |
| Sacramento County California | 113 | $ 20,918,000 | $ 185,000 | $ 27,000 |
| San Francisco County California | 101 | $ 29,847,000 | $ 295,000 | $ 22,000 |
| San Joaquin County California | 61 | $ 12,536,000 | $ 205,000 | $ 19,000 |
| Cook County Illinois | 58 | $ 11,414,000 | $ 196,000 | $ 6,000 |
| Solano County California | 51 | $ 11,924,000 | $ 233,000 | $ 1,000 |
| King County Washington | 44 | $ 8,292,000 | $ 188,000 | $ 8,000 |
| Fresno County California | 39 | $ 6,309,000 | $ 161,000 | $ 28,000 |
| Monterey County California | 38 | $ 8,679,000 | $ 228,000 | $ 10,000 |
| Mono County California | 32 | $ 7,962,000 | $ 248,000 | $ 157,000 |
| Stanislaus County California | 27 | $ 4,417,000 | $ 163,000 | $ 19,000 |
| Milwaukee County Wisconsin | 24 | $ 2,766,000 | $ 115,000 | $ 6,000 |
| Santa Cruz County California | 23 | $ 6,175,000 | $ 268,000 | $ 16,000 |
| Clark County Nevada | 23 | $ 3,612,000 | $ 157,000 | $ 31,000 |
| Santa Barbara County California | 18 | $ 4,952,000 | $ 275,000 | $ 37,000 |
| San Luis Obispo County California | 16 | $ 4,155,000 | $ 259,000 | $ 61,000 |
| Kern County California | 15 | $ 1,901,000 | $ 126,000 | $ 40,000 |
| Shasta County California | 15 | $ 1,880,000 | $ 125,000 | $ 43,000 |
| Merced County California | 14 | $ 2,107,000 | $ 150,000 | $ 27,000 |
| Waukesha County Wisconsin | 14 | $ 2,262,000 | $ 161,000 | $ 1,000 |
| San Benito County California | 13 | $ 3,676,000 | $ 282,000 | $ 17,000 |
| Sonoma County California | 12 | $ 3,055,000 | $ 254,000 | $ 7,000 |
| Maricopa County Arizona | 10 | $ 1,621,000 | $ 162,000 | $ 39,000 |
| El Dorado County California | 10 | $ 1,933,000 | $ 193,000 | $ 60,000 |
| Marin County California | 10 | $ 3,832,000 | $ 383,000 | $ 53,000 |
| Placer County California | 10 | $ 3,746,000 | $ 374,000 | $ 16,000 |
| Cleveland County Oklahoma | 10 | $ 686,000 | $ 68,000 | $ 0 |
| Yolo County California | 9 | $ 1,990,000 | $ 221,000 | $ 16,000 |
| Harris County Texas | 9 | $ 1,576,000 | $ 175,000 | $ 9,000 |
| Pierce County Washington | 9 | $ 1,257,000 | $ 139,000 | $ 0 |
| Dane County Wisconsin | 9 | $ 2,623,000 | $ 291,000 | $ 0 |
| Lake County Illinois | 8 | $ 1,620,000 | $ 202,000 | $ 21,000 |
| Pima County Arizona | 7 | $ 1,263,000 | $ 180,000 | $ 25,000 |
| Calaveras County California | 6 | $ 1,154,000 | $ 192,000 | $ 15,000 |
| Madera County California | 6 | $ 736,000 | $ 122,000 | $ 12,000 |
| Nevada County California | 6 | $ 1,202,000 | $ 200,000 | $ 39,000 |
| Tulare County California | 6 | $ 945,000 | $ 157,000 | $ 60,000 |
| Denver County Colorado | 6 | $ 2,241,000 | $ 373,000 | $ 4,000 |
| Honolulu County Hawaii | 6 | $ 3,163,000 | $ 527,000 | $ 123,000 |
| Humboldt County California | 5 | $ 617,000 | $ 123,000 | $ 58,000 |
| Inyo County California | 5 | $ 872,000 | $ 174,000 | $ 67,000 |
| Arapahoe County Colorado | 5 | $ 1,056,000 | $ 211,000 | $ 54,000 |
| El Paso County Colorado | 5 | $ 974,000 | $ 194,000 | $ 0 |
| Jefferson County Colorado | 5 | $ 744,000 | $ 148,000 | $ 0 |
| DuPage County Illinois | 5 | $ 1,269,000 | $ 253,000 | $ 9,000 |
| Oklahoma County Oklahoma | 5 | $ 607,000 | $ 121,000 | $ 0 |
| Gregg County Texas | 5 | $ 295,000 | $ 59,000 | $ 0 |
| Snohomish County Washington | 5 | $ 1,018,000 | $ 203,000 | $ 21,000 |
| Kenosha County Wisconsin | 5 | $ 789,000 | $ 157,000 | $ 30,000 |
| Racine County Wisconsin | 5 | $ 724,000 | $ 144,000 | $ 4,000 |
| Butte County California | 4 | $ 855,000 | $ 213,000 | $ 0 |
| Kings County California | 4 | $ 624,000 | $ 156,000 | $ 0 |
| Douglas County Colorado | 4 | $ 610,000 | $ 152,000 | $ 0 |
| Shelby County Tennessee | 4 | $ 478,000 | $ 119,000 | $ 0 |
| Clark County Washington | 4 | $ 702,000 | $ 175,000 | $ 4,000 |
| Kitsap County Washington | 4 | $ 428,000 | $ 107,000 | $ 0 |
| Cochise County Arizona | 3 | $ 358,000 | $ 119,000 | $ 40,000 |
| Imperial County California | 3 | $ 390,000 | $ 130,000 | $ 20,000 |
| Will County Illinois | 3 | $ 348,000 | $ 116,000 | $ 0 |
| Jefferson County Kentucky | 3 | $ 218,000 | $ 72,000 | $ 0 |
| St. Louis City County Missouri | 3 | $ 235,000 | $ 78,000 | $ 0 |
| Brazoria County Texas | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Dallas County Texas | 3 | $ 434,000 | $ 144,000 | $ 0 |
| Montgomery County Texas | 3 | $ 326,000 | $ 108,000 | $ 0 |
| Lewis County Washington | 3 | $ 307,000 | $ 102,000 | $ 0 |
| Whatcom County Washington | 3 | $ 245,000 | $ 81,000 | $ 0 |
| Winnebago County Wisconsin | 3 | $ 444,000 | $ 148,000 | $ 12,000 |
| Yavapai County Arizona | 2 | $ 377,000 | $ 188,000 | $ 0 |
| Amador County California | 2 | $ 480,000 | $ 240,000 | $ 72,000 |
| Napa County California | 2 | $ 545,000 | $ 272,000 | $ 0 |
| Tuolumne County California | 2 | $ 284,000 | $ 142,000 | $ 24,000 |
| Boulder County Colorado | 2 | $ 306,000 | $ 153,000 | $ 66,000 |
| Larimer County Colorado | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Weld County Colorado | 2 | $ 459,000 | $ 229,000 | $ 66,000 |
| Kane County Illinois | 2 | $ 237,000 | $ 118,000 | $ 42,000 |
| Clackamas County Oregon | 2 | $ 259,000 | $ 129,000 | $ 0 |
| Linn County Oregon | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Marion County Oregon | 2 | $ 313,000 | $ 156,000 | $ 0 |
| Brazos County Texas | 2 | $ 158,000 | $ 79,000 | $ 0 |
| Fort Bend County Texas | 2 | $ 280,000 | $ 140,000 | $ 36,000 |
| Guadalupe County Texas | 2 | $ 79,000 | $ 39,000 | $ 0 |
| Brown County Wisconsin | 2 | $ 671,000 | $ 335,000 | $ 0 |
| Walworth County Wisconsin | 2 | $ 352,000 | $ 176,000 | $ 0 |
| Mohave County Arizona | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Sebastian County Arkansas | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Lake County California | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Lassen County California | 1 | $ 87,000 | $ 87,000 | $ 120,000 |
| Mariposa County California | 1 | $ 98,000 | $ 98,000 | $ 24,000 |
| Mendocino County California | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Siskiyou County California | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Sutter County California | 1 | $ 87,000 | $ 87,000 | $ 36,000 |
| Adams County Colorado | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Kauai County Hawaii | 1 | $ 284,000 | $ 284,000 | $ 72,000 |
| McHenry County Illinois | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Sangamon County Illinois | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Fayette County Kentucky | 1 | $ 1,000,000 | $ 1,000,000 | $ 420,000 |
| Grayson County Kentucky | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Hardin County Kentucky | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Jackson County Missouri | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Canadian County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Columbia County Oregon | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Crook County Oregon | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Jackson County Oregon | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Lane County Oregon | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Washington County Oregon | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Aiken County South Carolina | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Richland County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 1,810,000 | $ 1,810,000 | $ 0 |
| Collin County Texas | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Ellis County Texas | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Galveston County Texas | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Rockwall County Texas | 1 | $ 427,000 | $ 427,000 | $ 0 |
| Tarrant County Texas | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Travis County Texas | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Williamson County Texas | 1 | $ 87,000 | $ 87,000 | $ 84,000 |
| Carbon County Utah | 1 | $ 62,000 | $ 62,000 | $ 204,000 |
| Salt Lake County Utah | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Tooele County Utah | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Utah County Utah | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Benton County Washington | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Clallam County Washington | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mason County Washington | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Thurston County Washington | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Whitman County Washington | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Chippewa County Wisconsin | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Columbia County Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Dodge County Wisconsin | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Door County Wisconsin | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Jackson County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Monroe County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| St. Croix County Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Washington County Wisconsin | 1 | $ 117,000 | $ 117,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hcl Finance, Inc 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) | 4,931 | $1,153,912,000 | $206,500 | $26,010,000 | $19,666 | $804,000 |
| Home Purchase (one-to-four family) | 1,115 | $279,838,000 | $184,200 | $3,049,000 | $22,600 | $900,000 |
| 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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 3,896 | $925,203,000 | $210,700 | $3,049,000 | $14,850 | $744,000 |
| White | 969 | $227,341,000 | $170,000 | $1,000,000 | $57,500 | $636,000 |
| Asian or Pacific Islander | 557 | $132,567,000 | $241,600 | $1,102,000 | $53,000 | $900,000 |
| Hispanic | 532 | $128,952,000 | $194,000 | $26,010,000 | $102,500 | $800,000 |
| Black | 61 | $12,323,000 | $184,000 | $528,000 | $62,000 | $204,000 |
| Other | 27 | $6,524,000 | $241,000 | $650,000 | $97,000 | $228,000 |
| American Indian or Alaskan Native | 4 | $840,000 | $210,000 | $303,000 | $57,000 | $96,000 |
| 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) | 5,870 | $1,403,497,000 | $195,900 | $26,010,000 | $20,350 | $900,000 |
| FHA-insured (Federal Housing Administration) | 176 | $30,253,000 | $169,500 | $376,000 | $12,500 | $120,000 |
| 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 | 3,262 | $730,514,000 | $167,562 | $1,000,000 | $20,812 | $804,000 |
| Application Withdrawn By Applicant | 1,016 | $229,343,000 | $137,454 | $999,000 | $14,272 | $540,000 |
| Application Approved But Not Accepted | 754 | $191,808,000 | $152,928 | $1,000,000 | $14,071 | $744,000 |
| Application Denied By Financial Institution | 727 | $208,425,000 | $237,466 | $26,010,000 | $29,266 | $900,000 |
| File Closed For Incompleteness | 287 | $73,660,000 | $164,100 | $3,049,000 | $4,100 | $804,000 |
| 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 | 89 | $21,916,000 | $148,800 | $1,102,000 | $14,900 | $900,000 |
| Collateral | 86 | $24,354,000 | $161,833 | $2,400,000 | $12,500 | $492,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 84 | $46,521,000 | $252,600 | $26,010,000 | $27,400 | $516,000 |
| Credit Application Incomplete | 80 | $20,066,000 | $241,888 | $1,500,000 | $51,666 | $360,000 |
| Debt-To-Income Ratio | 80 | $19,801,000 | $268,818 | $1,000,000 | $60,363 | $420,000 |
| Unverifiable Information | 79 | $19,752,000 | $203,545 | $2,210,000 | $9,000 | $800,000 |
| Mortgage Insurance Denied | 78 | $18,381,000 | $134,777 | $850,000 | $5,666 | $312,000 |
| Employment History | 76 | $18,500,000 | $246,500 | $993,000 | $31,500 | $276,000 |
| Other | 75 | $19,134,000 | $228,222 | $847,000 | $3,111 | $180,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hcl Finance, Inc'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 Hcl Finance, Inc'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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