Home Capital Funding Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Home Capital Funding Inc 2004 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 | Home Capital Funding Inc 3131 Camino Del Rio North Suite 310 San Diego, CA 92108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,212 |
| Total Mortgage Loan Application Amount | $696,781,000 |
| Average Mortgage Loan Application Amount | $153,333 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $12,190 |
| Highest Applicant Income | $1,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Home Capital Funding 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 Home Capital Funding Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Home Capital Funding 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 Home Capital Funding Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Home Capital Funding 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 Home Capital Funding Inc's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego County California | 1,623 | $ 405,360,000 | $ 249,000 | $ 17,000 |
| Riverside County California | 236 | $ 43,850,000 | $ 185,000 | $ 16,000 |
| Los Angeles County California | 218 | $ 45,207,000 | $ 207,000 | $ 17,000 |
| Maricopa County Arizona | 137 | $ 17,304,000 | $ 126,000 | $ 20,000 |
| Orange County California | 54 | $ 16,367,000 | $ 303,000 | $ 18,000 |
| Sacramento County California | 48 | $ 8,735,000 | $ 181,000 | $ 30,000 |
| King County Washington | 48 | $ 11,650,000 | $ 242,000 | $ 34,000 |
| Multnomah County Oregon | 47 | $ 6,356,000 | $ 135,000 | $ 30,000 |
| San Bernardino County California | 46 | $ 8,099,000 | $ 176,000 | $ 11,000 |
| Salt Lake County Utah | 36 | $ 3,762,000 | $ 104,000 | $ 11,000 |
| Contra Costa County California | 35 | $ 8,084,000 | $ 230,000 | $ 22,000 |
| Imperial County California | 32 | $ 3,409,000 | $ 106,000 | $ 13,000 |
| Snohomish County Washington | 28 | $ 7,336,000 | $ 262,000 | $ 17,000 |
| Fresno County California | 23 | $ 2,985,000 | $ 129,000 | $ 3,000 |
| Ventura County California | 22 | $ 6,255,000 | $ 284,000 | $ 6,000 |
| Pierce County Washington | 21 | $ 3,505,000 | $ 166,000 | $ 28,000 |
| Washington County Oregon | 17 | $ 2,280,000 | $ 134,000 | $ 19,000 |
| Pima County Arizona | 14 | $ 1,355,000 | $ 96,000 | $ 33,000 |
| Yuma County Arizona | 13 | $ 1,516,000 | $ 116,000 | $ 7,000 |
| Santa Barbara County California | 13 | $ 3,091,000 | $ 237,000 | $ 15,000 |
| Alameda County California | 12 | $ 3,060,000 | $ 255,000 | $ 13,000 |
| Clackamas County Oregon | 12 | $ 1,880,000 | $ 156,000 | $ 9,000 |
| Pinal County Arizona | 11 | $ 697,000 | $ 63,000 | $ 16,000 |
| Placer County California | 11 | $ 2,552,000 | $ 232,000 | $ 66,000 |
| Santa Clara County California | 9 | $ 2,606,000 | $ 289,000 | $ 0 |
| Solano County California | 9 | $ 2,249,000 | $ 249,000 | $ 9,000 |
| San Joaquin County California | 8 | $ 1,358,000 | $ 169,000 | $ 0 |
| San Luis Obispo County California | 8 | $ 1,733,000 | $ 216,000 | $ 10,000 |
| Clark County Washington | 7 | $ 1,161,000 | $ 165,000 | $ 40,000 |
| Butte County California | 6 | $ 822,000 | $ 137,000 | $ 12,000 |
| San Mateo County California | 6 | $ 1,861,000 | $ 310,000 | $ 56,000 |
| Marion County Oregon | 6 | $ 500,000 | $ 83,000 | $ 45,000 |
| Davis County Utah | 6 | $ 573,000 | $ 95,000 | $ 0 |
| Kern County California | 5 | $ 667,000 | $ 133,000 | $ 35,000 |
| Tulare County California | 5 | $ 468,000 | $ 93,000 | $ 25,000 |
| Utah County Utah | 5 | $ 560,000 | $ 112,000 | $ 14,000 |
| Monterey County California | 4 | $ 1,080,000 | $ 270,000 | $ 0 |
| Stanislaus County California | 4 | $ 526,000 | $ 131,000 | $ 11,000 |
| Columbia County Oregon | 4 | $ 324,000 | $ 81,000 | $ 15,000 |
| Jackson County Oregon | 4 | $ 629,000 | $ 157,000 | $ 0 |
| Merced County California | 3 | $ 327,000 | $ 109,000 | $ 10,000 |
| Shasta County California | 3 | $ 513,000 | $ 171,000 | $ 0 |
| Benton County Oregon | 3 | $ 179,000 | $ 59,000 | $ 27,000 |
| Josephine County Oregon | 3 | $ 360,000 | $ 120,000 | $ 34,000 |
| Lane County Oregon | 3 | $ 420,000 | $ 140,000 | $ 0 |
| Linn County Oregon | 3 | $ 515,000 | $ 171,000 | $ 0 |
| Washington County Utah | 3 | $ 443,000 | $ 147,000 | $ 18,000 |
| Weber County Utah | 3 | $ 359,000 | $ 119,000 | $ 84,000 |
| Calaveras County California | 2 | $ 268,000 | $ 134,000 | $ 0 |
| Yuba County California | 2 | $ 399,000 | $ 199,000 | $ 25,000 |
| El Paso County Colorado | 2 | $ 248,000 | $ 124,000 | $ 0 |
| Clark County Nevada | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Cowlitz County Washington | 2 | $ 451,000 | $ 225,000 | $ 0 |
| Yavapai County Arizona | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Humboldt County California | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Kings County California | 1 | $ 85,000 | $ 85,000 | $ 0 |
| San Francisco County California | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Sonoma County California | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Yolo County California | 1 | $ 302,000 | $ 302,000 | $ 66,000 |
| Arapahoe County Colorado | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Montrose County Colorado | 1 | $ 125,000 | $ 125,000 | $ 140,000 |
| Flathead County Montana | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Washoe County Nevada | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Sandoval County New Mexico | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Polk County Oregon | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Wasco County Oregon | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Yamhill County Oregon | 1 | $ 127,000 | $ 127,000 | $ 24,000 |
| Summit County Utah | 1 | $ 83,000 | $ 83,000 | $ 46,000 |
| Benton County Washington | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Clallam County Washington | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Grant County Washington | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Grays Harbor County Washington | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Klickitat County Washington | 1 | $ 41,000 | $ 41,000 | $ 72,000 |
| Lewis County Washington | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Stevens County Washington | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Thurston County Washington | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Walla Walla County Washington | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Whatcom County Washington | 1 | $ 147,000 | $ 147,000 | $ 0 |
Mortgage Loan Application Detail Totals for Home Capital Funding Inc 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 | 2,007 | $422,843,000 | $145,000 | $1,120,000 | $17,000 | $523,000 |
| Refinancing | 1,204 | $273,897,000 | $170,363 | $1,500,000 | $9,363 | $1,000,000 |
| Home Improvement | 1 | $41,000 | $41,000 | $41,000 | $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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,143 | $246,197,000 | $150,777 | $1,500,000 | $7,666 | $335,000 |
| White | 924 | $198,366,000 | $172,444 | $1,200,000 | $18,888 | $1,000,000 |
| Hispanic | 751 | $165,641,000 | $134,250 | $880,000 | $16,000 | $523,000 |
| Asian | 249 | $52,936,000 | $163,200 | $665,000 | $21,000 | $240,000 |
| Black or African American | 74 | $17,541,000 | $192,500 | $835,000 | $23,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 35 | $6,907,000 | $127,000 | $447,000 | $34,500 | $115,000 |
| American Indian or Alaskan Native | 22 | $6,261,000 | $232,000 | $750,000 | $5,600 | $98,000 |
| Not applicable | 14 | $2,932,000 | $172,500 | $428,000 | $55,500 | $117,000 |
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) | 3,212 | $696,781,000 | $164,454 | $1,500,000 | $12,454 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,952 | $436,172,000 | $168,222 | $835,000 | $23,222 | $1,000,000 |
| Application Denied By Financial Institution | 696 | $145,345,000 | $181,000 | $1,500,000 | $3,300 | $289,000 |
| Application Approved But Not Accepted | 403 | $82,357,000 | $121,571 | $907,000 | $17,142 | $335,000 |
| Application Withdrawn By Applicant | 130 | $26,248,000 | $139,428 | $1,000,000 | $6,285 | $114,000 |
| File Closed For Incompleteness | 30 | $6,492,000 | $180,250 | $440,000 | $14,250 | $112,000 |
| Loan Purchased By The Institution | 1 | $167,000 | $167,000 | $167,000 | $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 |
|---|---|---|---|---|---|---|
| Other | 204 | $40,409,000 | $180,000 | $1,200,000 | $1,285 | $289,000 |
| Debt-To-Income Ratio | 111 | $21,709,000 | $160,857 | $651,000 | $1,000 | $150,000 |
| Credit History | 106 | $22,513,000 | $203,285 | $675,000 | $7,142 | $198,000 |
| Credit Application Incomplete | 83 | $17,613,000 | $121,571 | $650,000 | $428 | $72,000 |
| Employment History | 62 | $13,359,000 | $141,000 | $650,000 | $43,666 | $228,000 |
| Collateral | 50 | $12,457,000 | $225,666 | $1,500,000 | $13,666 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $9,445,000 | $168,714 | $1,120,000 | $0 | $0 |
| Unverifiable Information | 21 | $4,145,000 | $158,750 | $463,000 | $4,000 | $83,000 |
| Mortgage Insurance Denied | 20 | $3,695,000 | $125,666 | $596,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Capital Funding Inc'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 Home Capital Funding 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.