Home Loan Funding Mortgage Lending & HMDA Data, 2006
In 2006, Home Loan Funding of Irvine, CA reported 4,475 mortgage applications totaling $1.1 billion, up 1% from 2005. The average application was for $254,102, and applicants reported an average income of $98,782. 48% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (975), Riverside-San Bernardino-Ontario, CA (802) and Santa Ana-Anaheim-Irvine, CA (337) (applications in parentheses).
| Mortgage Company & Address | Home Loan Funding 16808 Armstrong Ave Irvine, CA 92606 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 4,475 |
| Total Mortgage Loan Application Amount | $1,137,107,000 |
| Average Mortgage Loan Application Amount | $254,102 |
| Highest Mortgage Loan Application Amount | $1,853,000 |
| Average Applicant Income | $98,782 |
| Highest Applicant Income | $2,700,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Loan Funding filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 975 | $ 292,453,000 | $ 299,951 | $ 117,000 |
| Riverside-San Bernardino-Ontario, CA | 802 | $ 195,450,000 | $ 243,703 | $ 96,000 |
| Santa Ana-Anaheim-Irvine, CA | 337 | $ 115,705,000 | $ 343,338 | $ 118,000 |
| Oakland-Fremont-Hayward, CA | 174 | $ 55,651,000 | $ 319,833 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 166 | $ 31,672,000 | $ 190,795 | $ 73,000 |
| San Diego-Carlsbad-San Marcos, CA | 112 | $ 35,028,000 | $ 312,750 | $ 114,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 83 | $ 19,824,000 | $ 238,843 | $ 82,000 |
| Las Vegas-Paradise, NV | 76 | $ 17,583,000 | $ 231,355 | $ 94,000 |
| Bakersfield, CA | 75 | $ 12,767,000 | $ 170,226 | $ 72,000 |
| Fresno, CA | 70 | $ 15,392,000 | $ 219,885 | $ 72,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 69 | $ 23,675,000 | $ 343,115 | $ 153,000 |
| Visalia-Porterville, CA | 61 | $ 10,126,000 | $ 166,000 | $ 65,000 |
| Jacksonville, FL | 56 | $ 8,305,000 | $ 148,303 | $ 94,000 |
| Orlando-Kissimmee, FL | 55 | $ 12,544,000 | $ 228,072 | $ 96,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 53 | $ 8,132,000 | $ 153,433 | $ 86,000 |
| Tampa-St. Petersburg-Clearwater, FL | 53 | $ 9,725,000 | $ 183,490 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 52 | $ 11,069,000 | $ 212,865 | $ 82,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 52 | $ 10,953,000 | $ 210,634 | $ 87,000 |
| Stockton, CA | 49 | $ 12,629,000 | $ 257,734 | $ 99,000 |
| Portland-Vancouver-Beaverton, OR-WA | 48 | $ 9,295,000 | $ 193,645 | $ 79,083 |
| Seattle-Bellevue-Everett, WA | 48 | $ 10,940,000 | $ 227,916 | $ 92,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 47 | $ 9,638,000 | $ 205,063 | $ 109,000 |
| Modesto, CA | 38 | $ 8,709,000 | $ 229,184 | $ 77,000 |
| Denver-Aurora, CO | 37 | $ 9,277,000 | $ 250,729 | $ 124,000 |
| Tucson, AZ | 36 | $ 5,677,000 | $ 157,694 | $ 59,000 |
| San Francisco-San Mateo-Redwood City, CA | 34 | $ 14,783,000 | $ 434,794 | $ 185,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 33 | $ 10,370,000 | $ 314,242 | $ 124,000 |
| Merced, CA | 30 | $ 6,290,000 | $ 209,666 | $ 110,000 |
| Lakeland, FL | 23 | $ 3,613,000 | $ 157,086 | $ 59,000 |
| Sarasota-Bradenton-Venice, FL | 23 | $ 4,395,000 | $ 191,086 | $ 71,000 |
| Vallejo-Fairfield, CA | 23 | $ 7,665,000 | $ 333,260 | $ 106,000 |
| Salt Lake City, UT | 21 | $ 2,752,000 | $ 131,047 | $ 75,000 |
| Madera, CA | 19 | $ 3,990,000 | $ 210,000 | $ 73,000 |
| Yuba City, CA | 18 | $ 4,990,000 | $ 277,222 | $ 83,000 |
| Salinas, CA | 17 | $ 6,587,000 | $ 387,470 | $ 129,000 |
| Santa Barbara-Santa Maria, CA | 17 | $ 4,826,000 | $ 283,882 | $ 93,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 2,406,000 | $ 150,375 | $ 49,000 |
| Colorado Springs, CO | 15 | $ 1,562,000 | $ 104,133 | $ 56,000 |
| San Luis Obispo-Paso Robles, CA | 15 | $ 4,826,000 | $ 321,733 | $ 94,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 2,663,000 | $ 190,214 | $ 93,000 |
| El Centro, CA | 13 | $ 2,326,000 | $ 178,923 | $ 91,000 |
| Hanford-Corcoran, CA | 13 | $ 2,107,000 | $ 162,076 | $ 54,000 |
| Port St. Lucie-Fort Pierce, FL | 13 | $ 2,646,000 | $ 203,538 | $ 83,000 |
| Chico, CA | 11 | $ 2,044,000 | $ 185,818 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,563,000 | $ 256,300 | $ 45,000 |
| Duluth, MN-WI | 10 | $ 1,479,000 | $ 147,900 | $ 70,000 |
| Ocala, FL | 10 | $ 1,559,000 | $ 155,900 | $ 56,000 |
| Redding, CA | 10 | $ 2,139,000 | $ 213,900 | $ 64,000 |
| Salem, OR | 10 | $ 1,320,000 | $ 132,000 | $ 70,000 |
| Spokane, WA | 10 | $ 1,766,000 | $ 176,600 | $ 61,000 |
| Grand Junction, CO | 9 | $ 1,052,000 | $ 116,888 | $ 32,000 |
| Bremerton-Silverdale, WA | 8 | $ 1,355,000 | $ 169,375 | $ 81,000 |
| Napa, CA | 8 | $ 3,048,000 | $ 381,000 | $ 129,000 |
| Reno-Sparks, NV | 8 | $ 1,601,000 | $ 200,125 | $ 56,000 |
| Santa Rosa-Petaluma, CA | 8 | $ 1,796,000 | $ 224,500 | $ 64,000 |
| Tacoma, WA | 8 | $ 1,655,000 | $ 206,875 | $ 86,000 |
| Bellingham, WA | 7 | $ 1,500,000 | $ 214,285 | $ 80,000 |
| Medford, OR | 7 | $ 1,568,000 | $ 224,000 | $ 70,000 |
| Naples-Marco Island, FL | 7 | $ 1,590,000 | $ 227,142 | $ 78,000 |
| Ogden-Clearfield, UT | 7 | $ 934,000 | $ 133,428 | $ 79,000 |
| Olympia, WA | 7 | $ 976,000 | $ 139,428 | $ 99,000 |
| Carson City, NV | 6 | $ 1,263,000 | $ 210,500 | $ 105,000 |
| Eugene-Springfield, OR | 6 | $ 1,322,000 | $ 220,333 | $ 48,000 |
| Provo-Orem, UT | 6 | $ 2,399,000 | $ 399,833 | $ 197,000 |
| Yakima, WA | 6 | $ 510,000 | $ 85,000 | $ 48,000 |
| Fort Walton Beach-Crestview-Destin, FL | 5 | $ 713,000 | $ 142,600 | $ 63,000 |
| Prescott, AZ | 5 | $ 906,000 | $ 181,200 | $ 37,000 |
| Punta Gorda, FL | 5 | $ 828,000 | $ 165,600 | $ 90,000 |
| Wenatchee, WA | 5 | $ 518,000 | $ 103,600 | $ 31,000 |
| Flagstaff, AZ | 4 | $ 662,000 | $ 165,500 | $ 17,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 673,000 | $ 168,250 | $ 68,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 823,000 | $ 205,750 | $ 68,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 452,000 | $ 113,000 | $ 43,000 |
| St. Cloud, MN | 4 | $ 705,000 | $ 176,250 | $ 101,000 |
| Longview, WA | 3 | $ 410,000 | $ 136,666 | $ 61,000 |
| Rochester, MN | 3 | $ 868,000 | $ 289,333 | $ 56,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 887,000 | $ 295,666 | $ 132,000 |
| St. George, UT | 3 | $ 992,000 | $ 330,666 | $ 87,000 |
| Tallahassee, FL | 3 | $ 184,000 | $ 61,333 | $ 83,000 |
| Bend, OR | 2 | $ 670,000 | $ 335,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 1,350,000 | $ 675,000 | $ 387,000 |
| Fort Collins-Loveland, CO | 2 | $ 270,000 | $ 135,000 | $ 67,000 |
| Gainesville, FL | 2 | $ 337,000 | $ 168,500 | $ 47,000 |
| Logan, UT-ID | 2 | $ 50,000 | $ 25,000 | $ 53,000 |
| Pueblo, CO | 2 | $ 130,000 | $ 65,000 | $ 34,000 |
| Sebastian-Vero Beach, FL | 2 | $ 280,000 | $ 140,000 | $ 208,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 616,000 | $ 308,000 | $ 85,000 |
| Yuma, AZ | 2 | $ 238,000 | $ 119,000 | $ 30,000 |
| Akron, OH | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Fargo, ND-MN | 1 | $ 270,000 | $ 270,000 | $ 78,000 |
| Panama City-Lynn Haven, FL | 1 | $ 295,000 | $ 295,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for Home Loan Funding 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 | 3,527 | $894,215,000 | $253,000 | $1,853,000 | $96,000 | $2,700,000 |
| Home Purchase | 907 | $232,306,000 | $256,000 | $1,348,000 | $110,000 | $1,440,000 |
| Home Improvement | 41 | $10,586,000 | $258,000 | $1,000,000 | $90,000 | $197,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 2,530 | $624,271,000 | $246,000 | $1,853,000 | $92,000 | $2,700,000 |
| Hispanic | 1,141 | $295,869,000 | $259,000 | $1,050,000 | $98,000 | $1,440,000 |
| White | 425 | $114,467,000 | $269,000 | $1,536,000 | $118,000 | $840,000 |
| Black or African American | 188 | $48,560,000 | $258,000 | $984,000 | $116,000 | $464,000 |
| Asian | 149 | $43,305,000 | $290,000 | $1,020,000 | $134,000 | $456,000 |
| Native Hawaiian or Other Pacific Islander | 30 | $8,690,000 | $289,000 | $690,000 | $82,000 | $182,000 |
| American Indian or Alaskan Native | 12 | $1,945,000 | $162,000 | $400,000 | $78,000 | $112,000 |
| 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) | 4,471 | $1,136,331,000 | $254,000 | $1,853,000 | $98,000 | $2,700,000 |
| FHA-insured (Federal Housing Administration) | 4 | $776,000 | $194,000 | $250,000 | $122,000 | $384,000 |
| 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 | 2,137 | $516,625,000 | $241,000 | $1,853,000 | $85,000 | $612,000 |
| Application Denied By Financial Institution | 910 | $250,060,000 | $274,000 | $1,680,000 | $129,000 | $2,700,000 |
| Application Withdrawn By Applicant | 883 | $229,573,000 | $259,000 | $1,500,000 | $98,000 | $1,440,000 |
| Application Approved But Not Accepted | 396 | $100,691,000 | $254,000 | $1,028,000 | $97,000 | $696,000 |
| File Closed For Incompleteness | 143 | $37,473,000 | $262,000 | $1,040,000 | $117,000 | $570,000 |
| Preapproval Approved but not Accepted | 3 | $1,670,000 | $556,000 | $1,348,000 | $171,000 | $358,000 |
| Preapproval Denied by Financial Institution | 3 | $1,015,000 | $338,000 | $620,000 | $152,000 | $185,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Loan Funding'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 Loan Funding'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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