Homefield Financial, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, Homefield Financial, Inc. of Irvine, CA reported 53,693 mortgage applications totaling $12.4 billion, up 12% from 2004. The average application was for $230,604, and applicants reported an average income of $46,793. 14% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (4,302), Los Angeles-Long Beach-Glendale, CA (4,133) and Minneapolis-St. Paul-Bloomington, MN-WI (2,638) (applications in parentheses).
| Mortgage Company & Address | Homefield Financial, Inc. 410 Exchange, Suite 100 Irvine, CA 92602 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 53,693 |
| Total Mortgage Loan Application Amount | $12,381,840,000 |
| Average Mortgage Loan Application Amount | $230,604 |
| Highest Mortgage Loan Application Amount | $1,999,000 |
| Average Applicant Income | $46,793 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homefield Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 4,302 | $ 1,027,377,000 | $ 238,813 | $ 76,000 |
| Los Angeles-Long Beach-Glendale, CA | 4,133 | $ 1,203,351,000 | $ 291,156 | $ 64,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2,638 | $ 575,530,000 | $ 218,169 | $ 41,000 |
| Seattle-Bellevue-Everett, WA | 1,594 | $ 381,133,000 | $ 239,104 | $ 49,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,577 | $ 289,613,000 | $ 183,648 | $ 41,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,533 | $ 390,793,000 | $ 254,920 | $ 65,000 |
| Orlando, FL | 1,388 | $ 268,777,000 | $ 193,643 | $ 48,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,312 | $ 418,114,000 | $ 318,684 | $ 74,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,287 | $ 430,086,000 | $ 334,177 | $ 95,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,285 | $ 275,124,000 | $ 214,104 | $ 51,000 |
| Miami-Miami Beach-Kendall, FL | 1,251 | $ 268,904,000 | $ 214,951 | $ 34,000 |
| Oakland-Fremont-Hayward, CA | 1,097 | $ 341,868,000 | $ 311,639 | $ 57,000 |
| Portland-Vancouver-Beaverton, OR-WA | 962 | $ 193,404,000 | $ 201,043 | $ 44,000 |
| Warren-Farmington Hills-Troy, MI | 952 | $ 201,266,000 | $ 211,413 | $ 36,000 |
| Bakersfield, CA | 925 | $ 167,634,000 | $ 181,225 | $ 46,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 910 | $ 209,067,000 | $ 229,743 | $ 58,000 |
| Fresno, CA | 805 | $ 154,896,000 | $ 192,417 | $ 63,000 |
| Jacksonville, FL | 732 | $ 137,948,000 | $ 188,453 | $ 46,000 |
| Tacoma, WA | 700 | $ 143,091,000 | $ 204,415 | $ 47,000 |
| Stockton, CA | 643 | $ 155,723,000 | $ 242,181 | $ 48,000 |
| Denver-Aurora, CO | 603 | $ 130,720,000 | $ 216,782 | $ 31,000 |
| Detroit-Livonia-Dearborn, MI | 571 | $ 103,236,000 | $ 180,798 | $ 33,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 535 | $ 194,818,000 | $ 364,145 | $ 90,000 |
| Modesto, CA | 513 | $ 120,880,000 | $ 235,633 | $ 48,000 |
| Sarasota-Bradenton-Venice, FL | 487 | $ 102,161,000 | $ 209,776 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 471 | $ 184,138,000 | $ 390,951 | $ 76,000 |
| Visalia-Porterville, CA | 471 | $ 84,128,000 | $ 178,615 | $ 35,000 |
| Cape Coral-Fort Myers, FL | 427 | $ 86,304,000 | $ 202,117 | $ 45,000 |
| Vallejo-Fairfield, CA | 419 | $ 117,982,000 | $ 281,579 | $ 74,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 394 | $ 127,049,000 | $ 322,459 | $ 62,000 |
| Hartford-West Hartford-East Hartford, CT | 392 | $ 80,684,000 | $ 205,826 | $ 37,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 364 | $ 66,785,000 | $ 183,475 | $ 38,000 |
| Palm Bay-Melbourne-Titusville, FL | 345 | $ 65,980,000 | $ 191,246 | $ 33,000 |
| New Haven-Milford, CT | 308 | $ 65,208,000 | $ 211,714 | $ 51,000 |
| Port St. Lucie-Fort Pierce, FL | 307 | $ 60,613,000 | $ 197,436 | $ 59,000 |
| Lakeland, FL | 296 | $ 50,727,000 | $ 171,375 | $ 31,000 |
| Las Vegas-Paradise, NV | 288 | $ 64,740,000 | $ 224,791 | $ 56,000 |
| Merced, CA | 283 | $ 66,808,000 | $ 236,070 | $ 34,000 |
| Bridgeport-Stamford-Norwalk, CT | 281 | $ 77,763,000 | $ 276,736 | $ 96,000 |
| Naples-Marco Island, FL | 271 | $ 65,673,000 | $ 242,335 | $ 44,000 |
| Chico, CA | 236 | $ 43,290,000 | $ 183,432 | $ 30,000 |
| Pensacola-Ferry Pass-Brent, FL | 227 | $ 37,148,000 | $ 163,647 | $ 32,000 |
| Grand Rapids-Wyoming, MI | 223 | $ 39,989,000 | $ 179,322 | $ 26,000 |
| Santa Rosa-Petaluma, CA | 205 | $ 64,963,000 | $ 316,892 | $ 57,000 |
| Redding, CA | 202 | $ 36,710,000 | $ 181,732 | $ 39,000 |
| Yuba City, CA | 202 | $ 43,499,000 | $ 215,341 | $ 50,000 |
| Salem, OR | 195 | $ 33,612,000 | $ 172,369 | $ 32,000 |
| Madera, CA | 192 | $ 37,298,000 | $ 194,260 | $ 47,000 |
| Hanford-Corcoran, CA | 188 | $ 32,245,000 | $ 171,515 | $ 43,000 |
| Spokane, WA | 187 | $ 32,077,000 | $ 171,534 | $ 37,000 |
| Kennewick-Richland-Pasco, WA | 172 | $ 28,399,000 | $ 165,110 | $ 44,000 |
| Bremerton-Silverdale, WA | 168 | $ 33,301,000 | $ 198,220 | $ 25,000 |
| Olympia, WA | 161 | $ 29,100,000 | $ 180,745 | $ 42,000 |
| Colorado Springs, CO | 160 | $ 33,306,000 | $ 208,162 | $ 33,000 |
| Yakima, WA | 160 | $ 25,741,000 | $ 160,881 | $ 25,000 |
| Tallahassee, FL | 158 | $ 28,768,000 | $ 182,075 | $ 36,000 |
| Ocala, FL | 157 | $ 24,983,000 | $ 159,127 | $ 30,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 147 | $ 48,517,000 | $ 330,047 | $ 57,000 |
| Flint, MI | 139 | $ 25,407,000 | $ 182,784 | $ 38,000 |
| Eugene-Springfield, OR | 134 | $ 22,919,000 | $ 171,037 | $ 25,000 |
| San Luis Obispo-Paso Robles, CA | 132 | $ 41,752,000 | $ 316,303 | $ 77,000 |
| Salinas, CA | 128 | $ 42,434,000 | $ 331,515 | $ 62,000 |
| Punta Gorda, FL | 126 | $ 25,086,000 | $ 199,095 | $ 38,000 |
| St. Cloud, MN | 126 | $ 24,574,000 | $ 195,031 | $ 19,000 |
| Duluth, MN-WI | 124 | $ 20,485,000 | $ 165,201 | $ 25,000 |
| El Centro, CA | 124 | $ 21,648,000 | $ 174,580 | $ 52,000 |
| Medford, OR | 121 | $ 27,233,000 | $ 225,066 | $ 33,000 |
| Lansing-East Lansing, MI | 120 | $ 23,494,000 | $ 195,783 | $ 33,000 |
| Rochester, MN | 116 | $ 20,846,000 | $ 179,706 | $ 24,000 |
| Bend, OR | 110 | $ 22,335,000 | $ 203,045 | $ 50,000 |
| Bellingham, WA | 100 | $ 21,479,000 | $ 214,790 | $ 43,000 |
| Holland-Grand Haven, MI | 100 | $ 20,108,000 | $ 201,080 | $ 24,000 |
| Kalamazoo-Portage, MI | 100 | $ 19,264,000 | $ 192,640 | $ 39,000 |
| Fort Walton Beach-Crestview-Destin, FL | 99 | $ 20,157,000 | $ 203,606 | $ 33,000 |
| Panama City-Lynn Haven, FL | 96 | $ 17,707,000 | $ 184,447 | $ 50,000 |
| Norwich-New London, CT | 95 | $ 19,372,000 | $ 203,915 | $ 43,000 |
| Jackson, MI | 91 | $ 16,479,000 | $ 181,087 | $ 17,000 |
| Vero Beach, FL | 91 | $ 18,279,000 | $ 200,868 | $ 76,000 |
| Greeley, CO | 90 | $ 18,138,000 | $ 201,533 | $ 19,000 |
| Ann Arbor, MI | 89 | $ 20,184,000 | $ 226,786 | $ 34,000 |
| Santa Cruz-Watsonville, CA | 87 | $ 31,108,000 | $ 357,563 | $ 78,000 |
| Mount Vernon-Anacortes, WA | 86 | $ 16,015,000 | $ 186,220 | $ 45,000 |
| Longview, WA | 85 | $ 15,331,000 | $ 180,364 | $ 50,000 |
| Muskegon-Norton Shores, MI | 84 | $ 13,538,000 | $ 161,166 | $ 12,000 |
| Fort Collins-Loveland, CO | 80 | $ 16,684,000 | $ 208,550 | $ 43,000 |
| Monroe, MI | 72 | $ 13,370,000 | $ 185,694 | $ 15,000 |
| Napa, CA | 70 | $ 22,816,000 | $ 325,942 | $ 111,000 |
| Pueblo, CO | 65 | $ 10,846,000 | $ 166,861 | $ 23,000 |
| Gainesville, FL | 64 | $ 11,827,000 | $ 184,796 | $ 69,000 |
| Grand Junction, CO | 61 | $ 11,004,000 | $ 180,393 | $ 35,000 |
| Wenatchee, WA | 56 | $ 9,474,000 | $ 169,178 | $ 31,000 |
| Reno-Sparks, NV | 49 | $ 13,046,000 | $ 266,244 | $ 89,000 |
| Boulder, CO | 45 | $ 10,347,000 | $ 229,933 | $ 40,000 |
| Niles-Benton Harbor, MI | 41 | $ 7,441,000 | $ 181,487 | $ 51,000 |
| Saginaw-Saginaw Township North, MI | 37 | $ 5,653,000 | $ 152,783 | $ 44,000 |
| Battle Creek, MI | 35 | $ 5,653,000 | $ 161,514 | $ 31,000 |
| Phoenix-Mesa-Scottsdale, AZ | 28 | $ 6,047,000 | $ 215,964 | $ 38,000 |
| Bay City, MI | 26 | $ 4,279,000 | $ 164,576 | $ 13,000 |
| Corvallis, OR | 25 | $ 4,522,000 | $ 180,880 | $ 53,000 |
| Tucson, AZ | 7 | $ 1,108,000 | $ 158,285 | $ 44,000 |
| Carson City, NV | 6 | $ 1,370,000 | $ 228,333 | $ 25,000 |
| New York-Wayne-White Plains, NY-NJ | 6 | $ 1,242,000 | $ 207,000 | $ 0 |
| Kansas City, MO-KS | 5 | $ 1,250,000 | $ 250,000 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 680,000 | $ 170,000 | $ 0 |
| Yuma, AZ | 4 | $ 513,000 | $ 128,250 | $ 52,000 |
| Boston-Quincy, MA | 3 | $ 501,000 | $ 167,000 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Nassau-Suffolk, NY | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Prescott, AZ | 2 | $ 244,000 | $ 122,000 | $ 53,000 |
| Albuquerque, NM | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Anchorage, AK | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Anderson, SC | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Chicago-Naperville-Joliet, IL | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 80,000 | $ 80,000 | $ 156,000 |
| Jonesboro, AR | 1 | $ 78,000 | $ 78,000 | $ 75,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 132,000 | $ 132,000 | $ 160,000 |
| Raleigh-Cary, NC | 1 | $ 158,000 | $ 158,000 | $ 0 |
| San Angelo, TX | 1 | $ 362,000 | $ 362,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 250,000 | $ 250,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Homefield Financial, 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 | 50,676 | $11,626,728,000 | $205,088 | $1,999,000 | $35,558 | $6,000,000 |
| Home Purchase | 3,017 | $755,112,000 | $226,055 | $1,750,000 | $32,611 | $998,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 38,481 | $8,759,778,000 | $206,941 | $1,999,000 | $25,470 | $2,400,000 |
| Hispanic | 9,738 | $2,285,875,000 | $217,666 | $1,350,000 | $28,466 | $1,224,000 |
| Asian | 1,911 | $508,720,000 | $232,727 | $1,495,000 | $47,454 | $6,000,000 |
| Black or African American | 1,729 | $373,766,000 | $190,230 | $1,000,000 | $57,615 | $545,000 |
| Native Hawaiian or Other Pacific Islander | 817 | $212,596,000 | $235,818 | $1,925,000 | $32,181 | $750,000 |
| Not Provided | 788 | $187,069,000 | $207,400 | $1,765,000 | $29,200 | $780,000 |
| American Indian or Alaskan Native | 229 | $54,036,000 | $263,700 | $1,000,000 | $60,700 | $480,000 |
| 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) | 53,693 | $12,381,840,000 | $205,459 | $1,999,000 | $28,135 | $6,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 41,835 | $9,651,243,000 | $202,400 | $1,999,000 | $26,028 | $6,000,000 |
| Loan Originated | 7,289 | $1,696,040,000 | $200,818 | $1,750,000 | $86,000 | $1,594,000 |
| Application Denied By Financial Institution | 4,419 | $996,134,000 | $220,500 | $1,637,000 | $15,687 | $1,067,000 |
| Application Approved But Not Accepted | 138 | $35,046,000 | $270,900 | $1,000,000 | $94,300 | $480,000 |
| File Closed For Incompleteness | 12 | $3,377,000 | $260,166 | $1,000,000 | $42,666 | $219,000 |
| 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 | 3,849 | $862,183,000 | $214,933 | $1,637,000 | $16,133 | $1,067,000 |
| Other | 439 | $103,893,000 | $231,250 | $900,000 | $18,250 | $1,000,000 |
| Collateral | 87 | $20,412,000 | $231,750 | $960,000 | $13,625 | $115,000 |
| Credit Application Incomplete | 16 | $3,984,000 | $243,333 | $380,000 | $15,166 | $175,000 |
| Debt-To-Income Ratio | 16 | $3,489,000 | $220,333 | $365,000 | $37,000 | $391,000 |
| Employment History | 7 | $1,373,000 | $197,666 | $250,000 | $13,166 | $36,000 |
| Unverifiable Information | 5 | $800,000 | $161,000 | $250,000 | $19,250 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homefield Financial, 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 Homefield Financial, 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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