Home Loan Specialists Mortgage Lending & HMDA Data, 2006
In 2006, Home Loan Specialists of Laguna Hills, CA reported 2,283 mortgage applications totaling $677.8 million, up 47% from 2005. The average application was for $296,890, and applicants reported an average income of $116,420. 44% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (652), Los Angeles-Long Beach-Glendale, CA (578) and Santa Ana-Anaheim-Irvine, CA (215) (applications in parentheses).
| Mortgage Company & Address | Home Loan Specialists 23330 Mill Creek Dr., 2nd Floor Laguna Hills, CA 92653 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,283 |
| Total Mortgage Loan Application Amount | $677,801,000 |
| Average Mortgage Loan Application Amount | $296,890 |
| Highest Mortgage Loan Application Amount | $2,874,000 |
| Average Applicant Income | $116,420 |
| Highest Applicant Income | $1,440,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Loan Specialists filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 578 | $ 173,996,000 | $ 301,031 | $ 101,000 |
| Riverside, California | 331 | $ 98,455,000 | $ 297,447 | $ 126,000 |
| San Bernardino, California | 321 | $ 72,652,000 | $ 226,330 | $ 95,000 |
| Orange, California | 215 | $ 83,851,000 | $ 390,004 | $ 164,000 |
| San Diego, California | 109 | $ 34,786,000 | $ 319,137 | $ 111,000 |
| Contra Costa, California | 76 | $ 25,769,000 | $ 339,065 | $ 115,000 |
| Sacramento, California | 63 | $ 14,600,000 | $ 231,746 | $ 92,000 |
| Kern, California | 55 | $ 10,436,000 | $ 189,745 | $ 97,000 |
| Ventura, California | 49 | $ 22,017,000 | $ 449,326 | $ 131,000 |
| Alameda, California | 43 | $ 14,023,000 | $ 326,116 | $ 121,000 |
| Monterey, California | 39 | $ 14,368,000 | $ 368,410 | $ 124,000 |
| Santa Clara, California | 31 | $ 16,470,000 | $ 531,290 | $ 173,000 |
| Solano, California | 30 | $ 8,557,000 | $ 285,233 | $ 87,000 |
| San Joaquin, California | 29 | $ 7,391,000 | $ 254,862 | $ 92,000 |
| Fresno, California | 25 | $ 4,881,000 | $ 195,240 | $ 84,000 |
| San Mateo, California | 21 | $ 9,804,000 | $ 466,857 | $ 181,000 |
| Tulare, California | 20 | $ 3,593,000 | $ 179,650 | $ 127,000 |
| Merced, California | 11 | $ 3,117,000 | $ 283,363 | $ 120,000 |
| Yolo, California | 11 | $ 3,366,000 | $ 306,000 | $ 138,000 |
| Stanislaus, California | 10 | $ 2,143,000 | $ 214,300 | $ 159,000 |
| Santa Barbara, California | 9 | $ 3,145,000 | $ 349,444 | $ 72,000 |
| Santa Cruz, California | 9 | $ 3,883,000 | $ 431,444 | $ 143,000 |
| Sonoma, California | 9 | $ 2,965,000 | $ 329,444 | $ 100,000 |
| Lake, Florida | 8 | $ 1,194,000 | $ 149,250 | $ 600,000 |
| Miami-Dade, Florida | 8 | $ 2,342,000 | $ 292,750 | $ 108,000 |
| Colusa, California | 6 | $ 1,086,000 | $ 181,000 | $ 89,000 |
| El Dorado, California | 5 | $ 2,085,000 | $ 417,000 | $ 104,000 |
| St. Lucie, Florida | 5 | $ 685,000 | $ 137,000 | $ 56,000 |
| Honolulu, Hawaii | 5 | $ 2,352,000 | $ 470,400 | $ 467,000 |
| Maricopa, Arizona | 4 | $ 511,000 | $ 127,750 | $ 31,000 |
| Butte, California | 4 | $ 781,000 | $ 195,250 | $ 41,000 |
| Madera, California | 4 | $ 1,318,000 | $ 329,500 | $ 63,000 |
| Mendocino, California | 4 | $ 1,294,000 | $ 323,500 | $ 15,000 |
| Placer, California | 4 | $ 1,747,000 | $ 436,750 | $ 132,000 |
| San Benito, California | 4 | $ 1,503,000 | $ 375,750 | $ 76,000 |
| Orange, Florida | 4 | $ 681,000 | $ 170,250 | $ 124,000 |
| Hawaii, Hawaii | 4 | $ 946,000 | $ 236,500 | $ 660,000 |
| Kings, California | 3 | $ 276,000 | $ 92,000 | $ 74,000 |
| Lake, California | 3 | $ 1,275,000 | $ 425,000 | $ 159,000 |
| Mariposa, California | 3 | $ 877,000 | $ 292,333 | $ 85,000 |
| Napa, California | 3 | $ 789,000 | $ 263,000 | $ 40,000 |
| San Luis Obispo, California | 3 | $ 1,213,000 | $ 404,333 | $ 185,000 |
| Sutter, California | 3 | $ 475,000 | $ 158,333 | $ 11,000 |
| Broward, Florida | 3 | $ 404,000 | $ 134,666 | $ 25,000 |
| Prince George's, Maryland | 3 | $ 826,000 | $ 275,333 | $ 120,000 |
| Lane, Oregon | 3 | $ 555,000 | $ 185,000 | $ 118,000 |
| Multnomah, Oregon | 3 | $ 540,000 | $ 180,000 | $ 70,000 |
| Pinal, Arizona | 2 | $ 284,000 | $ 142,000 | $ 190,000 |
| Glenn, California | 2 | $ 144,000 | $ 72,000 | $ 63,000 |
| Humboldt, California | 2 | $ 359,000 | $ 179,500 | $ 114,000 |
| Imperial, California | 2 | $ 376,000 | $ 188,000 | $ 175,000 |
| Lassen, California | 2 | $ 229,000 | $ 114,500 | $ 0 |
| Mono, California | 2 | $ 612,000 | $ 306,000 | $ 0 |
| Nevada, California | 2 | $ 1,024,000 | $ 512,000 | $ 158,000 |
| Shasta, California | 2 | $ 375,000 | $ 187,500 | $ 110,000 |
| Tuolumne, California | 2 | $ 228,000 | $ 114,000 | $ 171,000 |
| Yuba, California | 2 | $ 390,000 | $ 195,000 | $ 134,000 |
| Denver, Colorado | 2 | $ 345,000 | $ 172,500 | $ 171,000 |
| Douglas, Colorado | 2 | $ 743,000 | $ 371,500 | $ 239,000 |
| Park, Colorado | 2 | $ 183,000 | $ 91,500 | $ 78,000 |
| Brevard, Florida | 2 | $ 537,000 | $ 268,500 | $ 42,000 |
| Citrus, Florida | 2 | $ 184,000 | $ 92,000 | $ 168,000 |
| Clay, Florida | 2 | $ 196,000 | $ 98,000 | $ 100,000 |
| Hillsborough, Florida | 2 | $ 381,000 | $ 190,500 | $ 0 |
| Indian River, Florida | 2 | $ 421,000 | $ 210,500 | $ 139,000 |
| Jackson, Florida | 2 | $ 127,000 | $ 63,500 | $ 56,000 |
| Manatee, Florida | 2 | $ 266,000 | $ 133,000 | $ 70,000 |
| Marion, Florida | 2 | $ 344,000 | $ 172,000 | $ 126,000 |
| Osceola, Florida | 2 | $ 239,000 | $ 119,500 | $ 64,000 |
| Sarasota, Florida | 2 | $ 428,000 | $ 214,000 | $ 45,000 |
| Seminole, Florida | 2 | $ 243,000 | $ 121,500 | $ 75,000 |
| Walton, Florida | 2 | $ 295,000 | $ 147,500 | $ 112,000 |
| Maui, Hawaii | 2 | $ 552,000 | $ 276,000 | $ 60,000 |
| Marion, Indiana | 2 | $ 185,000 | $ 92,500 | $ 81,000 |
| Washington, Oregon | 2 | $ 335,000 | $ 167,500 | $ 95,000 |
| Blount, Tennessee | 2 | $ 180,000 | $ 90,000 | $ 113,000 |
| Thurston, Washington | 2 | $ 227,000 | $ 113,500 | $ 303,000 |
| Pima, Arizona | 1 | $ 158,000 | $ 158,000 | $ 50,000 |
| Calaveras, California | 1 | $ 525,000 | $ 525,000 | $ 286,000 |
| Plumas, California | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| San Francisco, California | 1 | $ 650,000 | $ 650,000 | $ 154,000 |
| Siskiyou, California | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Arapahoe, Colorado | 1 | $ 214,000 | $ 214,000 | $ 0 |
| El Paso, Colorado | 1 | $ 133,000 | $ 133,000 | $ 54,000 |
| Larimer, Colorado | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Mesa, Colorado | 1 | $ 228,000 | $ 228,000 | $ 95,000 |
| New Haven, Connecticut | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Baker, Florida | 1 | $ 72,000 | $ 72,000 | $ 72,000 |
| Collier, Florida | 1 | $ 448,000 | $ 448,000 | $ 198,000 |
| Duval, Florida | 1 | $ 207,000 | $ 207,000 | $ 43,000 |
| Escambia, Florida | 1 | $ 158,000 | $ 158,000 | $ 53,000 |
| Lee, Florida | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Leon, Florida | 1 | $ 131,000 | $ 131,000 | $ 44,000 |
| Madison, Florida | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Palm Beach, Florida | 1 | $ 320,000 | $ 320,000 | $ 122,000 |
| Baltimore, Maryland | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Howard, Maryland | 1 | $ 206,000 | $ 206,000 | $ 49,000 |
| Flathead, Montana | 1 | $ 312,000 | $ 312,000 | $ 89,000 |
| Clark, Nevada | 1 | $ 326,000 | $ 326,000 | $ 98,000 |
| Lyon, Nevada | 1 | $ 230,000 | $ 230,000 | $ 63,000 |
| Roosevelt, New Mexico | 1 | $ 226,000 | $ 226,000 | $ 216,000 |
| Josephine, Oregon | 1 | $ 186,000 | $ 186,000 | $ 69,000 |
| Monroe, Tennessee | 1 | $ 169,000 | $ 169,000 | $ 91,000 |
| Iron, Utah | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Utah, Utah | 1 | $ 400,000 | $ 400,000 | $ 120,000 |
| Washington, Utah | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Teton, Wyoming | 1 | $ 475,000 | $ 475,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Home Loan Specialists 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 | 1,514 | $469,437,000 | $310,000 | $2,874,000 | $108,000 | $1,440,000 |
| Home Purchase | 769 | $208,364,000 | $270,000 | $1,600,000 | $133,000 | $854,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 980 | $257,438,000 | $262,000 | $2,000,000 | $95,000 | $731,000 |
| White | 546 | $185,843,000 | $340,000 | $2,874,000 | $165,000 | $1,440,000 |
| Not Provided | 495 | $151,214,000 | $305,000 | $1,500,000 | $108,000 | $600,000 |
| Black or African American | 133 | $38,024,000 | $285,000 | $980,000 | $90,000 | $662,000 |
| Asian | 105 | $38,952,000 | $370,000 | $1,293,000 | $142,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $5,831,000 | $265,000 | $578,000 | $84,000 | $185,000 |
| American Indian or Alaskan Native | 2 | $499,000 | $249,000 | $256,000 | $214,000 | $351,000 |
| 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) | 2,279 | $676,161,000 | $296,000 | $2,874,000 | $117,000 | $1,440,000 |
| FHA-insured (Federal Housing Administration) | 2 | $824,000 | $412,000 | $468,000 | $49,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $816,000 | $408,000 | $488,000 | $112,000 | $144,000 |
| 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 | 1,013 | $291,857,000 | $288,000 | $2,310,000 | $104,000 | $731,000 |
| Application Denied By Financial Institution | 696 | $208,170,000 | $299,000 | $1,500,000 | $132,000 | $1,440,000 |
| Application Approved But Not Accepted | 398 | $121,289,000 | $304,000 | $2,874,000 | $117,000 | $1,075,000 |
| Application Withdrawn By Applicant | 124 | $36,384,000 | $293,000 | $1,190,000 | $116,000 | $456,000 |
| File Closed For Incompleteness | 52 | $20,101,000 | $386,000 | $2,000,000 | $150,000 | $780,000 |
| 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 | 291 | $83,384,000 | $286,000 | $1,460,000 | $122,000 | $900,000 |
| Unverifiable Information | 91 | $25,582,000 | $281,000 | $780,000 | $114,000 | $365,000 |
| Collateral | 82 | $25,146,000 | $306,000 | $1,295,000 | $138,000 | $600,000 |
| Debt-To-Income Ratio | 71 | $20,950,000 | $295,000 | $1,190,000 | $146,000 | $720,000 |
| Employment History | 51 | $15,027,000 | $294,000 | $980,000 | $147,000 | $1,075,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 44 | $15,082,000 | $342,000 | $1,200,000 | $120,000 | $360,000 |
| Other | 35 | $11,343,000 | $324,000 | $1,500,000 | $145,000 | $854,000 |
| Credit Application Incomplete | 1 | $288,000 | $288,000 | $288,000 | $104,000 | $104,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Loan Specialists'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 Specialists'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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