John Laing Homes
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
John Laing Homes 2006 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | John Laing Homes 3121 Michelson Drive, Suite 200 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 1,546 |
| Total Mortgage Loan Application Amount | $862,230,000 |
| Average Mortgage Loan Application Amount | $453,333 |
| Highest Mortgage Loan Application Amount | $5,855,000 |
| Average Applicant Income | $179,000 |
| Highest Applicant Income | $1,945,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with John Laing Homes. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing John Laing Homes's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down John Laing Homes's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how John Laing Homes serves its applicants.
Each category highlights the total number of mortgage applications processed by John Laing Homes, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at John Laing Homes's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange County California | 371 | $ 366,952,000 | $ 989,000 | $ 364,000 |
| Riverside County California | 364 | $ 120,705,000 | $ 331,000 | $ 146,000 |
| Los Angeles County California | 285 | $ 131,993,000 | $ 463,000 | $ 174,000 |
| San Diego County California | 197 | $ 116,996,000 | $ 593,000 | $ 207,000 |
| San Bernardino County California | 185 | $ 60,367,000 | $ 326,000 | $ 140,000 |
| Ventura County California | 119 | $ 55,566,000 | $ 466,000 | $ 216,000 |
| Alameda County California | 3 | $ 1,428,000 | $ 476,000 | $ 293,000 |
| Maricopa County Arizona | 1 | $ 300,000 | $ 300,000 | $ 82,000 |
| Mohave County Arizona | 1 | $ 140,000 | $ 140,000 | $ 97,000 |
| Sacramento County California | 1 | $ 519,000 | $ 519,000 | $ 138,000 |
| Sonoma County California | 1 | $ 485,000 | $ 485,000 | $ 132,000 |
| El Paso County Colorado | 1 | $ 568,000 | $ 568,000 | $ 236,000 |
| Mesa County Colorado | 1 | $ 520,000 | $ 520,000 | $ 193,000 |
| Broward County Florida | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Miami-Dade County Florida | 1 | $ 78,000 | $ 78,000 | $ 224,000 |
| Blaine County Idaho | 1 | $ 132,000 | $ 132,000 | $ 199,000 |
| Cook County Illinois | 1 | $ 307,000 | $ 307,000 | $ 89,000 |
| Montgomery County Maryland | 1 | $ 527,000 | $ 527,000 | $ 199,000 |
| Essex County Massachusetts | 1 | $ 65,000 | $ 65,000 | $ 138,000 |
| Washtenaw County Michigan | 1 | $ 626,000 | $ 626,000 | $ 224,000 |
| Douglas County Nebraska | 1 | $ 582,000 | $ 582,000 | $ 148,000 |
| Clark County Nevada | 1 | $ 540,000 | $ 540,000 | $ 204,000 |
| Franklin County Ohio | 1 | $ 72,000 | $ 72,000 | $ 148,000 |
| Rogers County Oklahoma | 1 | $ 532,000 | $ 532,000 | $ 132,000 |
| Delaware County Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 236,000 |
| Williamson County Tennessee | 1 | $ 404,000 | $ 404,000 | $ 120,000 |
| King George County Virginia | 1 | $ 500,000 | $ 500,000 | $ 276,000 |
| Prince William County Virginia | 1 | $ 218,000 | $ 218,000 | $ 97,000 |
| Pierce County Washington | 1 | $ 549,000 | $ 549,000 | $ 0 |
Mortgage Loan Application Detail Totals for John Laing Homes 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,507 | $842,155,000 | $558,000 | $5,855,000 | $217,000 | $1,945,000 |
| Refinancing | 35 | $19,036,000 | $543,000 | $1,500,000 | $215,000 | $1,020,000 |
| Home Improvement | 4 | $1,039,000 | $259,000 | $630,000 | $105,000 | $166,000 |
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 | 448 | $188,112,000 | $419,000 | $2,584,000 | $172,000 | $1,080,000 |
| White | 444 | $330,361,000 | $744,000 | $5,855,000 | $298,000 | $1,945,000 |
| Asian | 279 | $185,290,000 | $664,000 | $3,117,000 | $239,000 | $1,500,000 |
| Hispanic | 200 | $85,105,000 | $425,000 | $2,167,000 | $150,000 | $811,000 |
| Black or African American | 148 | $60,301,000 | $407,000 | $1,767,000 | $166,000 | $516,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $10,723,000 | $428,000 | $1,138,000 | $149,000 | $445,000 |
| American Indian or Alaskan Native | 2 | $2,338,000 | $1,169,000 | $1,338,000 | $339,000 | $414,000 |
| 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) | 1,546 | $862,230,000 | $557,000 | $5,855,000 | $216,000 | $1,945,000 |
| 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 | 966 | $493,863,000 | $511,000 | $4,640,000 | $207,000 | $1,945,000 |
| Application Withdrawn By Applicant | 399 | $252,623,000 | $633,000 | $4,320,000 | $236,000 | $1,600,000 |
| Application Denied By Financial Institution | 89 | $56,228,000 | $631,000 | $3,000,000 | $228,000 | $1,140,000 |
| Application Approved But Not Accepted | 75 | $52,599,000 | $701,000 | $5,855,000 | $233,000 | $1,230,000 |
| File Closed For Incompleteness | 17 | $6,917,000 | $406,000 | $800,000 | $133,000 | $270,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 24 | $16,287,000 | $678,000 | $3,000,000 | $243,000 | $1,118,000 |
| Debt-To-Income Ratio | 20 | $11,705,000 | $585,000 | $1,650,000 | $107,000 | $696,000 |
| Other | 20 | $11,322,000 | $566,000 | $2,796,000 | $277,000 | $1,140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $13,139,000 | $875,000 | $2,900,000 | $331,000 | $1,120,000 |
| Credit History | 5 | $1,895,000 | $379,000 | $488,000 | $151,000 | $234,000 |
| Credit Application Incomplete | 3 | $1,173,000 | $391,000 | $564,000 | $288,000 | $360,000 |
| Collateral | 1 | $140,000 | $140,000 | $140,000 | $97,000 | $97,000 |
| Employment History | 1 | $567,000 | $567,000 | $567,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into John Laing Homes'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 John Laing Homes'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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.