Home Capital Funding Inc Mortgage Lending & HMDA Data, 2005

In 2005, Home Capital Funding Inc of San Diego, CA reported 7,793 mortgage applications totaling $2.0 billion, up 143% from 2004. The average application was for $257,299, and applicants reported an average income of $112,221. 41% of its applications resulted in an originated loan and 19% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (3,613), Riverside-San Bernardino-Ontario, CA (1,016) and Los Angeles-Long Beach-Glendale, CA (448) (applications in parentheses).

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 7,793
Total Mortgage Loan Application Amount $2,005,136,000
Average Mortgage Loan Application Amount $257,299
Highest Mortgage Loan Application Amount $1,995,000
Average Applicant Income $112,221
Highest Applicant Income $1,800,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Capital Funding Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Home Capital Funding Inc by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Diego, California 3,613 $ 1,046,768,000 $ 289,722 $ 131,000
Riverside, California 809 $ 181,953,000 $ 224,911 $ 110,000
Los Angeles, California 448 $ 129,331,000 $ 288,685 $ 118,000
Imperial, California 284 $ 44,078,000 $ 155,204 $ 83,000
Orange, California 244 $ 80,127,000 $ 328,389 $ 150,000
Maricopa, Arizona 217 $ 37,266,000 $ 171,732 $ 99,000
San Bernardino, California 207 $ 45,781,000 $ 221,164 $ 112,000
Sacramento, California 150 $ 33,205,000 $ 221,366 $ 89,000
Fresno, California 137 $ 24,521,000 $ 178,985 $ 89,000
Shasta, California 112 $ 19,455,000 $ 173,705 $ 103,000
King, Washington 100 $ 25,642,000 $ 256,420 $ 85,000
Alameda, California 82 $ 24,975,000 $ 304,573 $ 135,000
Contra Costa, California 76 $ 25,755,000 $ 338,881 $ 125,000
Kern, California 72 $ 14,143,000 $ 196,430 $ 112,000
Santa Clara, California 66 $ 26,046,000 $ 394,636 $ 150,000
Pierce, Washington 58 $ 11,730,000 $ 202,241 $ 111,000
Stanislaus, California 57 $ 11,961,000 $ 209,842 $ 101,000
Ventura, California 51 $ 18,373,000 $ 360,254 $ 116,000
San Joaquin, California 48 $ 11,599,000 $ 241,645 $ 112,000
Snohomish, Washington 47 $ 10,848,000 $ 230,808 $ 124,000
Solano, California 41 $ 10,841,000 $ 264,414 $ 96,000
Yuma, Arizona 34 $ 4,406,000 $ 129,588 $ 90,000
Merced, California 34 $ 6,965,000 $ 204,852 $ 77,000
Jackson, Oregon 34 $ 4,923,000 $ 144,794 $ 64,000
Placer, California 27 $ 7,318,000 $ 271,037 $ 120,000
Pinellas, Florida 26 $ 2,636,000 $ 101,384 $ 111,000
Salt Lake, Utah 26 $ 3,124,000 $ 120,153 $ 80,000
Yolo, California 24 $ 5,455,000 $ 227,291 $ 98,000
Multnomah, Oregon 20 $ 2,514,000 $ 125,700 $ 63,000
San Mateo, California 19 $ 9,373,000 $ 493,315 $ 160,000
Santa Barbara, California 18 $ 6,268,000 $ 348,222 $ 113,000
Pinal, Arizona 17 $ 2,521,000 $ 148,294 $ 108,000
Bernalillo, New Mexico 17 $ 2,185,000 $ 128,529 $ 96,000
Tulare, California 16 $ 2,446,000 $ 152,875 $ 62,000
Clackamas, Oregon 16 $ 1,852,000 $ 115,750 $ 71,000
Washington, Oregon 16 $ 2,432,000 $ 152,000 $ 75,000
Anchorage, Alaska 15 $ 1,585,000 $ 105,666 $ 91,000
Monterey, California 15 $ 6,525,000 $ 435,000 $ 196,000
San Luis Obispo, California 15 $ 5,279,000 $ 351,933 $ 100,000
Sonoma, California 15 $ 4,710,000 $ 314,000 $ 115,000
Pima, Arizona 11 $ 1,384,000 $ 125,818 $ 93,000
Marin, California 11 $ 4,484,000 $ 407,636 $ 141,000
Brevard, Florida 11 $ 1,698,000 $ 154,363 $ 75,000
Hillsborough, Florida 11 $ 2,451,000 $ 222,818 $ 159,000
Polk, Florida 11 $ 1,086,000 $ 98,727 $ 69,000
Honolulu, Hawaii 11 $ 4,654,000 $ 423,090 $ 130,000
Marion, Oregon 11 $ 992,000 $ 90,181 $ 131,000
Kings, California 10 $ 2,029,000 $ 202,900 $ 78,000
Davis, Utah 10 $ 1,244,000 $ 124,400 $ 57,000
Mohave, Arizona 9 $ 1,870,000 $ 207,777 $ 72,000
Napa, California 9 $ 2,494,000 $ 277,111 $ 95,000
San Francisco, California 9 $ 2,977,000 $ 330,777 $ 105,000
Sutter, California 9 $ 1,348,000 $ 149,777 $ 98,000
Sabana Grande, Puerto Rico 9 $ 1,839,000 $ 204,333 $ 58,000
Butte, California 8 $ 1,447,000 $ 180,875 $ 87,000
Madera, California 8 $ 1,853,000 $ 231,625 $ 90,000
Denver, Colorado 8 $ 848,000 $ 106,000 $ 100,000
Lee, Florida 8 $ 1,317,000 $ 164,625 $ 65,000
Kitsap, Washington 8 $ 1,094,000 $ 136,750 $ 79,000
Santa Cruz, California 7 $ 2,725,000 $ 389,285 $ 139,000
Tehama, California 7 $ 995,000 $ 142,142 $ 155,000
Broward, Florida 7 $ 1,575,000 $ 225,000 $ 108,000
Orange, Florida 7 $ 830,000 $ 118,571 $ 52,000
Maui, Hawaii 7 $ 2,309,000 $ 329,857 $ 150,000
Oklahoma, Oklahoma 7 $ 390,000 $ 55,714 $ 96,000
Weber, Utah 7 $ 501,000 $ 71,571 $ 55,000
El Dorado, California 6 $ 2,466,000 $ 411,000 $ 133,000
Larimer, Colorado 6 $ 679,000 $ 113,166 $ 65,000
Miami-Dade, Florida 6 $ 989,000 $ 164,833 $ 154,000
Jackson, Missouri 6 $ 384,000 $ 64,000 $ 180,000
Lane, Oregon 6 $ 859,000 $ 143,166 $ 103,000
Utah, Utah 6 $ 899,000 $ 149,833 $ 76,000
Spokane, Washington 6 $ 776,000 $ 129,333 $ 95,000
Humboldt, California 5 $ 1,185,000 $ 237,000 $ 66,000
Duval, Florida 5 $ 579,000 $ 115,800 $ 52,000
Deschutes, Oregon 5 $ 1,775,000 $ 355,000 $ 231,000
Clark, Washington 5 $ 556,000 $ 111,200 $ 62,000
Yavapai, Arizona 4 $ 567,000 $ 141,750 $ 80,000
Nevada, California 4 $ 1,232,000 $ 308,000 $ 60,000
Siskiyou, California 4 $ 566,000 $ 141,500 $ 53,000
Yuba, California 4 $ 1,192,000 $ 298,000 $ 109,000
Arapahoe, Colorado 4 $ 1,002,000 $ 250,500 $ 179,000
Hawaii, Hawaii 4 $ 1,401,000 $ 350,250 $ 47,000
Clark, Nevada 4 $ 524,000 $ 131,000 $ 98,000
Linn, Oregon 4 $ 736,000 $ 184,000 $ 51,000
Washington, Utah 4 $ 389,000 $ 97,250 $ 79,000
Whatcom, Washington 4 $ 886,000 $ 221,500 $ 72,000
Mendocino, California 3 $ 754,000 $ 251,333 $ 45,000
Kauai, Hawaii 3 $ 1,316,000 $ 438,666 $ 383,000
Dona Ana, New Mexico 3 $ 222,000 $ 74,000 $ 50,000
Santa Fe, New Mexico 3 $ 875,000 $ 291,666 $ 72,000
Taos, New Mexico 3 $ 426,000 $ 142,000 $ 200,000
Polk, Oregon 3 $ 280,000 $ 93,333 $ 75,000
Douglas, Washington 3 $ 342,000 $ 114,000 $ 72,000
Island, Washington 3 $ 804,000 $ 268,000 $ 94,000
Thurston, Washington 3 $ 399,000 $ 133,000 $ 66,000
Juneau, Alaska 2 $ 324,000 $ 162,000 $ 40,000
Cochise, Arizona 2 $ 183,000 $ 91,500 $ 45,000
Graham, Arizona 2 $ 108,000 $ 54,000 $ 40,000
Navajo, Arizona 2 $ 290,000 $ 145,000 $ 156,000
Calaveras, California 2 $ 387,000 $ 193,500 $ 40,000
Colusa, California 2 $ 836,000 $ 418,000 $ 120,000
Del Norte, California 2 $ 341,000 $ 170,500 $ 45,000
Mariposa, California 2 $ 520,000 $ 260,000 $ 95,000
Tuolumne, California 2 $ 203,000 $ 101,500 $ 40,000
Adams, Colorado 2 $ 238,000 $ 119,000 $ 42,000
Douglas, Colorado 2 $ 215,000 $ 107,500 $ 44,000
Jefferson, Colorado 2 $ 225,000 $ 112,500 $ 56,000
Mesa, Colorado 2 $ 198,000 $ 99,000 $ 40,000
Pueblo, Colorado 2 $ 158,000 $ 79,000 $ 75,000
Weld, Colorado 2 $ 155,000 $ 77,500 $ 42,000
Lake, Florida 2 $ 447,000 $ 223,500 $ 115,000
Osceola, Florida 2 $ 434,000 $ 217,000 $ 60,000
Palm Beach, Florida 2 $ 372,000 $ 186,000 $ 43,000
Pasco, Florida 2 $ 120,000 $ 60,000 $ 48,000
St. Lucie, Florida 2 $ 378,000 $ 189,000 $ 60,000
Volusia, Florida 2 $ 306,000 $ 153,000 $ 36,000
Idaho, Idaho 2 $ 150,000 $ 75,000 $ 40,000
Boone, Missouri 2 $ 187,000 $ 93,500 $ 164,000
Stone, Missouri 2 $ 195,000 $ 97,500 $ 129,000
Sandoval, New Mexico 2 $ 158,000 $ 79,000 $ 84,000
Valencia, New Mexico 2 $ 140,000 $ 70,000 $ 72,000
Coos, Oregon 2 $ 143,000 $ 71,500 $ 45,000
Josephine, Oregon 2 $ 441,000 $ 220,500 $ 50,000
Cowlitz, Washington 2 $ 177,000 $ 88,500 $ 67,000
Grays Harbor, Washington 2 $ 455,000 $ 227,500 $ 45,000
Jefferson, Washington 2 $ 258,000 $ 129,000 $ 64,000
Okanogan, Washington 2 $ 248,000 $ 124,000 $ 83,000
La Paz, Arizona 1 $ 157,000 $ 157,000 $ 45,000
Santa Cruz, Arizona 1 $ 110,000 $ 110,000 $ 40,000
Lake, California 1 $ 207,000 $ 207,000 $ 75,000
Mono, California 1 $ 51,000 $ 51,000 $ 40,000
Boulder, Colorado 1 $ 118,000 $ 118,000 $ 50,000
Montrose, Colorado 1 $ 224,000 $ 224,000 $ 93,000
Charlotte, Florida 1 $ 112,000 $ 112,000 $ 25,000
Citrus, Florida 1 $ 100,000 $ 100,000 $ 23,000
Flagler, Florida 1 $ 190,000 $ 190,000 $ 35,000
Gadsden, Florida 1 $ 186,000 $ 186,000 $ 75,000
Hernando, Florida 1 $ 230,000 $ 230,000 $ 93,000
Jefferson, Florida 1 $ 190,000 $ 190,000 $ 54,000
Martin, Florida 1 $ 419,000 $ 419,000 $ 238,000
Okaloosa, Florida 1 $ 162,000 $ 162,000 $ 43,000
Santa Rosa, Florida 1 $ 585,000 $ 585,000 $ 202,000
Sarasota, Florida 1 $ 30,000 $ 30,000 $ 105,000
Seminole, Florida 1 $ 112,000 $ 112,000 $ 50,000
Walton, Florida 1 $ 175,000 $ 175,000 $ 48,000
Ada, Idaho 1 $ 130,000 $ 130,000 $ 47,000
Wayne, Michigan 1 $ 320,000 $ 320,000 $ 126,000
Flathead, Montana 1 $ 180,000 $ 180,000 $ 50,000
Gallatin, Montana 1 $ 130,000 $ 130,000 $ 75,000
Washoe, Nevada 1 $ 264,000 $ 264,000 $ 72,000
Swain, North Carolina 1 $ 252,000 $ 252,000 $ 60,000
Cleveland, Oklahoma 1 $ 153,000 $ 153,000 $ 35,000
Creek, Oklahoma 1 $ 97,000 $ 97,000 $ 80,000
Haskell, Oklahoma 1 $ 67,000 $ 67,000 $ 42,000
Kingfisher, Oklahoma 1 $ 69,000 $ 69,000 $ 75,000
Noble, Oklahoma 1 $ 34,000 $ 34,000 $ 10,000
Tulsa, Oklahoma 1 $ 372,000 $ 372,000 $ 1,800,000
Baker, Oregon 1 $ 68,000 $ 68,000 $ 72,000
Crook, Oregon 1 $ 138,000 $ 138,000 $ 51,000
Douglas, Oregon 1 $ 105,000 $ 105,000 $ 46,000
Morrow, Oregon 1 $ 158,000 $ 158,000 $ 72,000
Union, Oregon 1 $ 152,000 $ 152,000 $ 80,000
Wallowa, Oregon 1 $ 136,000 $ 136,000 $ 50,000
Yamhill, Oregon 1 $ 115,000 $ 115,000 $ 52,000
Iron, Utah 1 $ 267,000 $ 267,000 $ 40,000
Millard, Utah 1 $ 99,000 $ 99,000 $ 65,000
Benton, Washington 1 $ 150,000 $ 150,000 $ 57,000
Klickitat, Washington 1 $ 180,000 $ 180,000 $ 40,000
Mason, Washington 1 $ 102,000 $ 102,000 $ 40,000
Pacific, Washington 1 $ 109,000 $ 109,000 $ 48,000
Skagit, Washington 1 $ 168,000 $ 168,000 $ 72,000
Stevens, Washington 1 $ 205,000 $ 205,000 $ 50,000
Walla Walla, Washington 1 $ 159,000 $ 159,000 $ 48,000

Mortgage Loan Application Detail Totals for Home Capital Funding Inc in 2005

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 4,242 $1,174,322,000 $185,600 $1,995,000 $88,466 $1,700,000
Home Purchase 3,536 $827,037,000 $161,250 $1,388,000 $109,500 $1,800,000
Home Improvement 15 $3,777,000 $202,000 $585,000 $77,000 $240,000

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
Hispanic 2,363 $598,254,000 $157,333 $1,330,000 $91,416 $1,440,000
White 2,298 $582,343,000 $199,588 $1,995,000 $107,176 $936,000
Not Provided 1,730 $450,355,000 $165,312 $1,495,000 $85,187 $1,500,000
Asian 918 $251,871,000 $155,142 $1,680,000 $100,571 $720,000
Black or African American 313 $79,678,000 $213,857 $863,000 $325,142 $1,800,000
Native Hawaiian or Other Pacific Islander 132 $31,932,000 $194,400 $860,000 $82,800 $1,700,000
American Indian or Alaskan Native 39 $10,703,000 $208,800 $750,000 $171,400 $735,000
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) 7,793 $2,005,136,000 $175,888 $1,995,000 $101,277 $1,800,000
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 3,162 $833,539,000 $183,583 $1,680,000 $139,333 $1,800,000
Application Approved But Not Accepted 1,723 $434,453,000 $170,500 $1,222,000 $91,500 $1,176,000
Application Denied By Financial Institution 1,502 $387,666,000 $158,062 $1,995,000 $90,000 $1,440,000
Application Withdrawn By Applicant 1,073 $252,986,000 $163,400 $1,700,000 $82,600 $1,700,000
File Closed For Incompleteness 331 $96,019,000 $241,375 $1,330,000 $92,500 $1,230,000
Loan Purchased By The Institution 2 $473,000 $236,500 $358,000 $66,000 $78,000
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 291 $73,076,000 $136,750 $1,027,000 $76,500 $1,440,000
Other 208 $56,742,000 $160,333 $1,203,000 $122,111 $920,000
Debt-To-Income Ratio 128 $31,359,000 $211,000 $1,388,000 $73,833 $296,000
Collateral 77 $20,295,000 $207,142 $750,000 $171,000 $735,000
Employment History 58 $15,682,000 $189,600 $950,000 $93,200 $327,000
Unverifiable Information 23 $5,942,000 $143,666 $697,000 $95,000 $600,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,156,000 $231,000 $400,000 $264,000 $420,000
Credit Application Incomplete 1 $415,000 $415,000 $415,000 $60,000 $60,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Capital Funding Inc's 2005 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.
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