Home Capital Funding Inc Mortgage Lending & HMDA Data, 2006
In 2006, Home Capital Funding Inc of San Diego, CA reported 9,208 mortgage applications totaling $2.4 billion, up 18% from 2005. The average application was for $256,061, and applicants reported an average income of $117,807. 34% of its applications resulted in an originated loan and 30% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (3,346), Riverside-San Bernardino-Ontario, CA (1,159) and Los Angeles-Long Beach-Glendale, CA (747) (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 | 9,208 |
| Total Mortgage Loan Application Amount | $2,357,813,000 |
| Average Mortgage Loan Application Amount | $256,061 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $117,807 |
| Highest Applicant Income | $2,570,000 |
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(HMDA) records Home Capital Funding Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego-Carlsbad-San Marcos, CA | 3,346 | $ 961,854,000 | $ 287,463 | $ 121,000 |
| Riverside-San Bernardino-Ontario, CA | 1,159 | $ 281,682,000 | $ 243,038 | $ 115,000 |
| Los Angeles-Long Beach-Glendale, CA | 747 | $ 223,195,000 | $ 298,788 | $ 125,000 |
| Phoenix-Mesa-Scottsdale, AZ | 509 | $ 99,867,000 | $ 196,202 | $ 106,000 |
| Santa Ana-Anaheim-Irvine, CA | 396 | $ 138,991,000 | $ 350,987 | $ 155,000 |
| Las Vegas-Paradise, NV | 256 | $ 52,432,000 | $ 204,812 | $ 107,000 |
| El Centro, CA | 240 | $ 40,040,000 | $ 166,833 | $ 89,000 |
| Oakland-Fremont-Hayward, CA | 173 | $ 58,992,000 | $ 340,994 | $ 149,000 |
| Redding, CA | 164 | $ 30,865,000 | $ 188,201 | $ 79,000 |
| Albuquerque, NM | 151 | $ 18,070,000 | $ 119,668 | $ 71,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 146 | $ 38,329,000 | $ 262,527 | $ 140,000 |
| Seattle-Bellevue-Everett, WA | 142 | $ 29,273,000 | $ 206,147 | $ 139,000 |
| Tacoma, WA | 115 | $ 18,792,000 | $ 163,408 | $ 84,000 |
| Portland-Vancouver-Beaverton, OR-WA | 107 | $ 17,514,000 | $ 163,682 | $ 99,112 |
| Fresno, CA | 100 | $ 19,513,000 | $ 195,130 | $ 79,000 |
| Stockton, CA | 75 | $ 19,560,000 | $ 260,800 | $ 140,000 |
| Reno-Sparks, NV | 69 | $ 12,604,000 | $ 182,666 | $ 86,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 60 | $ 23,561,000 | $ 392,683 | $ 130,000 |
| Modesto, CA | 55 | $ 12,477,000 | $ 226,854 | $ 123,000 |
| Denver-Aurora, CO | 49 | $ 8,360,000 | $ 170,612 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 47 | $ 16,272,000 | $ 346,212 | $ 123,000 |
| Bakersfield, CA | 46 | $ 9,449,000 | $ 205,413 | $ 114,000 |
| Tampa-St. Petersburg-Clearwater, FL | 45 | $ 8,079,000 | $ 179,533 | $ 93,000 |
| Kansas City, MO-KS | 40 | $ 2,722,000 | $ 68,050 | $ 508,000 |
| Orlando-Kissimmee, FL | 38 | $ 8,168,000 | $ 214,947 | $ 104,000 |
| San Francisco-San Mateo-Redwood City, CA | 36 | $ 16,299,000 | $ 452,750 | $ 231,000 |
| Vallejo-Fairfield, CA | 31 | $ 10,371,000 | $ 334,548 | $ 115,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 29 | $ 4,254,000 | $ 146,689 | $ 88,000 |
| Jacksonville, FL | 25 | $ 3,742,000 | $ 149,680 | $ 99,000 |
| Miami-Miami Beach-Kendall, FL | 23 | $ 5,422,000 | $ 235,739 | $ 94,000 |
| Tucson, AZ | 23 | $ 2,988,000 | $ 129,913 | $ 79,000 |
| Medford, OR | 22 | $ 3,765,000 | $ 171,136 | $ 86,000 |
| Merced, CA | 22 | $ 4,811,000 | $ 218,681 | $ 99,000 |
| Olympia, WA | 21 | $ 2,762,000 | $ 131,523 | $ 85,000 |
| Honolulu, HI | 20 | $ 5,705,000 | $ 285,250 | $ 105,000 |
| Palm Bay-Melbourne-Titusville, FL | 20 | $ 3,181,000 | $ 159,050 | $ 141,000 |
| Hanford-Corcoran, CA | 19 | $ 3,475,000 | $ 182,894 | $ 95,000 |
| Salinas, CA | 19 | $ 5,644,000 | $ 297,052 | $ 110,000 |
| San Luis Obispo-Paso Robles, CA | 19 | $ 5,629,000 | $ 296,263 | $ 124,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 19 | $ 5,494,000 | $ 289,157 | $ 100,000 |
| Yuma, AZ | 18 | $ 2,606,000 | $ 144,777 | $ 88,000 |
| Salt Lake City, UT | 17 | $ 2,661,000 | $ 156,529 | $ 94,000 |
| Visalia-Porterville, CA | 17 | $ 2,614,000 | $ 153,764 | $ 80,000 |
| Port St. Lucie-Fort Pierce, FL | 16 | $ 2,630,000 | $ 164,375 | $ 100,000 |
| Santa Rosa-Petaluma, CA | 16 | $ 4,607,000 | $ 287,937 | $ 165,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,511,000 | $ 179,357 | $ 87,000 |
| Chico, CA | 14 | $ 3,221,000 | $ 230,071 | $ 189,000 |
| Santa Barbara-Santa Maria, CA | 14 | $ 5,914,000 | $ 422,428 | $ 217,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 4,928,000 | $ 379,076 | $ 184,000 |
| Sarasota-Bradenton-Venice, FL | 13 | $ 2,303,000 | $ 177,153 | $ 93,000 |
| Bremerton-Silverdale, WA | 12 | $ 1,644,000 | $ 137,000 | $ 170,000 |
| Napa, CA | 12 | $ 5,044,000 | $ 420,333 | $ 141,000 |
| Spokane, WA | 12 | $ 1,893,000 | $ 157,750 | $ 112,000 |
| Colorado Springs, CO | 11 | $ 1,372,000 | $ 124,727 | $ 46,000 |
| Madera, CA | 11 | $ 1,935,000 | $ 175,909 | $ 90,000 |
| Santa Fe, NM | 11 | $ 1,490,000 | $ 135,454 | $ 142,000 |
| Yuba City, CA | 11 | $ 1,841,000 | $ 167,363 | $ 285,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 1,533,000 | $ 153,300 | $ 49,000 |
| Las Cruces, NM | 10 | $ 702,000 | $ 70,200 | $ 56,000 |
| Bend, OR | 8 | $ 1,331,000 | $ 166,375 | $ 80,000 |
| Naples-Marco Island, FL | 8 | $ 1,847,000 | $ 230,875 | $ 190,000 |
| Salem, OR | 8 | $ 977,000 | $ 122,125 | $ 62,000 |
| Carson City, NV | 7 | $ 883,000 | $ 126,142 | $ 70,000 |
| Lakeland, FL | 7 | $ 1,153,000 | $ 164,714 | $ 60,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,605,000 | $ 267,500 | $ 59,000 |
| Ogden-Clearfield, UT | 6 | $ 1,094,000 | $ 182,333 | $ 72,000 |
| Boise City-Nampa, ID | 5 | $ 479,000 | $ 95,800 | $ 74,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 551,000 | $ 110,200 | $ 74,000 |
| Prescott, AZ | 5 | $ 1,069,000 | $ 213,800 | $ 102,000 |
| St. Louis, MO-IL | 5 | $ 690,000 | $ 138,000 | $ 90,000 |
| Eugene-Springfield, OR | 4 | $ 794,000 | $ 198,500 | $ 109,000 |
| Tallahassee, FL | 4 | $ 592,000 | $ 148,000 | $ 19,000 |
| Cheyenne, WY | 3 | $ 347,000 | $ 115,666 | $ 99,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 802,000 | $ 267,333 | $ 47,000 |
| Grand Junction, CO | 3 | $ 308,000 | $ 102,666 | $ 67,000 |
| Kennewick-Richland-Pasco, WA | 3 | $ 504,000 | $ 168,000 | $ 83,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 609,000 | $ 203,000 | $ 87,000 |
| Panama City-Lynn Haven, FL | 3 | $ 732,000 | $ 244,000 | $ 104,000 |
| Pueblo, CO | 3 | $ 264,000 | $ 88,000 | $ 70,000 |
| Sebastian-Vero Beach, FL | 3 | $ 552,000 | $ 184,000 | $ 14,000 |
| St. George, UT | 3 | $ 280,000 | $ 93,333 | $ 133,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 200,000 | $ 100,000 | $ 113,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 215,000 | $ 107,500 | $ 75,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 423,000 | $ 211,500 | $ 111,000 |
| Corvallis, OR | 2 | $ 302,000 | $ 151,000 | $ 61,000 |
| Flagstaff, AZ | 2 | $ 508,000 | $ 254,000 | $ 75,000 |
| Ocala, FL | 2 | $ 366,000 | $ 183,000 | $ 86,000 |
| Provo-Orem, UT | 2 | $ 126,000 | $ 63,000 | $ 30,000 |
| Worcester, MA | 2 | $ 468,000 | $ 234,000 | $ 92,000 |
| Anchorage, AK | 1 | $ 197,000 | $ 197,000 | $ 49,000 |
| Baltimore-Towson, MD | 1 | $ 393,000 | $ 393,000 | $ 132,000 |
| Bellingham, WA | 1 | $ 450,000 | $ 450,000 | $ 142,000 |
| Billings, MT | 1 | $ 498,000 | $ 498,000 | $ 144,000 |
| Boulder, CO | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Coeur D'Alene, ID | 1 | $ 636,000 | $ 636,000 | $ 216,000 |
| Longview, WA | 1 | $ 201,000 | $ 201,000 | $ 71,000 |
| New Haven-Milford, CT | 1 | $ 140,000 | $ 140,000 | $ 91,000 |
| Oklahoma City, OK | 1 | $ 120,000 | $ 120,000 | $ 83,000 |
| Punta Gorda, FL | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Tulsa, OK | 1 | $ 189,000 | $ 189,000 | $ 132,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 356,000 | $ 356,000 | $ 120,000 |
| Wenatchee, WA | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Wilmington, DE-MD-NJ | 1 | $ 328,000 | $ 328,000 | $ 154,000 |
| Yakima, WA | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Home Capital Funding Inc 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 |
|---|---|---|---|---|---|---|
| Refinancing | 5,879 | $1,571,189,000 | $267,000 | $2,000,000 | $116,000 | $2,570,000 |
| Home Purchase | 3,326 | $786,246,000 | $236,000 | $1,500,000 | $121,000 | $1,680,000 |
| Home Improvement | 3 | $378,000 | $126,000 | $212,000 | $121,000 | $223,000 |
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 | 2,862 | $734,243,000 | $256,000 | $2,000,000 | $135,000 | $2,570,000 |
| Hispanic | 2,802 | $681,663,000 | $243,000 | $1,267,000 | $93,000 | $1,152,000 |
| Not Provided | 1,991 | $529,104,000 | $265,000 | $1,680,000 | $116,000 | $1,680,000 |
| Asian | 800 | $234,099,000 | $292,000 | $1,920,000 | $123,000 | $1,146,000 |
| Black or African American | 533 | $124,238,000 | $233,000 | $1,267,000 | $148,000 | $1,320,000 |
| Native Hawaiian or Other Pacific Islander | 176 | $45,375,000 | $257,000 | $900,000 | $126,000 | $702,000 |
| American Indian or Alaskan Native | 44 | $9,091,000 | $206,000 | $700,000 | $110,000 | $318,000 |
| 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) | 9,208 | $2,357,813,000 | $256,000 | $2,000,000 | $118,000 | $2,570,000 |
| 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 | 3,095 | $813,883,000 | $262,000 | $1,530,000 | $104,000 | $1,542,000 |
| Application Denied By Financial Institution | 2,733 | $670,648,000 | $245,000 | $1,920,000 | $133,000 | $1,680,000 |
| Application Approved But Not Accepted | 2,446 | $636,009,000 | $260,000 | $2,000,000 | $112,000 | $2,570,000 |
| File Closed For Incompleteness | 516 | $140,272,000 | $271,000 | $1,545,000 | $138,000 | $1,333,000 |
| Application Withdrawn By Applicant | 418 | $97,001,000 | $232,000 | $1,275,000 | $122,000 | $750,000 |
| 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 | 783 | $184,308,000 | $235,000 | $1,680,000 | $121,000 | $1,152,000 |
| Other | 629 | $161,652,000 | $256,000 | $1,275,000 | $146,000 | $1,680,000 |
| Debt-To-Income Ratio | 222 | $48,644,000 | $219,000 | $960,000 | $118,000 | $360,000 |
| Collateral | 218 | $52,818,000 | $242,000 | $888,000 | $143,000 | $648,000 |
| Employment History | 139 | $37,128,000 | $267,000 | $1,000,000 | $131,000 | $520,000 |
| Unverifiable Information | 19 | $4,207,000 | $221,000 | $648,000 | $114,000 | $525,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $990,000 | $330,000 | $650,000 | $156,000 | $252,000 |
| Mortgage Insurance Denied | 1 | $239,000 | $239,000 | $239,000 | $159,000 | $159,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Capital Funding Inc'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 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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