Lacaza Capital, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Lacaza Capital, Inc 2003 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 | Lacaza Capital, Inc 15635 Alton Parkway Suite # 450 Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 1,159 |
| Total Mortgage Loan Application Amount | $218,028,000 |
| Average Mortgage Loan Application Amount | $160,894 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $63,368 |
| Highest Applicant Income | $900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Lacaza Capital, Inc. 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 Lacaza Capital, Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Lacaza Capital, Inc'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 Lacaza Capital, Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Lacaza Capital, Inc, 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 Lacaza Capital, Inc's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 168 | $ 31,446,000 | $ 187,000 | $ 86,000 |
| San Bernardino County California | 93 | $ 14,446,000 | $ 155,000 | $ 61,000 |
| Riverside County California | 86 | $ 13,960,000 | $ 162,000 | $ 56,000 |
| Orange County California | 79 | $ 18,196,000 | $ 230,000 | $ 87,000 |
| Sacramento County California | 47 | $ 7,648,000 | $ 162,000 | $ 56,000 |
| San Diego County California | 45 | $ 10,135,000 | $ 225,000 | $ 65,000 |
| Kern County California | 39 | $ 4,283,000 | $ 109,000 | $ 64,000 |
| Contra Costa County California | 23 | $ 5,075,000 | $ 220,000 | $ 78,000 |
| Fresno County California | 23 | $ 3,036,000 | $ 132,000 | $ 66,000 |
| Stanislaus County California | 23 | $ 3,330,000 | $ 144,000 | $ 53,000 |
| Ventura County California | 23 | $ 5,422,000 | $ 235,000 | $ 65,000 |
| El Paso County Colorado | 23 | $ 3,599,000 | $ 156,000 | $ 62,000 |
| San Joaquin County California | 21 | $ 3,315,000 | $ 157,000 | $ 54,000 |
| Adams County Colorado | 20 | $ 2,856,000 | $ 142,000 | $ 63,000 |
| Alameda County California | 18 | $ 3,946,000 | $ 219,000 | $ 75,000 |
| Santa Clara County California | 16 | $ 5,021,000 | $ 313,000 | $ 85,000 |
| Shasta County California | 14 | $ 1,622,000 | $ 115,000 | $ 53,000 |
| Salt Lake County Utah | 14 | $ 2,029,000 | $ 144,000 | $ 39,000 |
| Monterey County California | 12 | $ 2,294,000 | $ 191,000 | $ 57,000 |
| Sonoma County California | 12 | $ 2,977,000 | $ 248,000 | $ 87,000 |
| Solano County California | 11 | $ 2,198,000 | $ 199,000 | $ 74,000 |
| Davis County Utah | 11 | $ 1,649,000 | $ 149,000 | $ 80,000 |
| San Mateo County California | 10 | $ 3,407,000 | $ 340,000 | $ 91,000 |
| Tulare County California | 10 | $ 1,212,000 | $ 121,000 | $ 52,000 |
| Merced County California | 9 | $ 1,574,000 | $ 174,000 | $ 67,000 |
| Denver County Colorado | 9 | $ 1,729,000 | $ 192,000 | $ 69,000 |
| Weld County Colorado | 9 | $ 1,199,000 | $ 133,000 | $ 52,000 |
| Arapahoe County Colorado | 8 | $ 1,106,000 | $ 138,000 | $ 54,000 |
| Mesa County Colorado | 8 | $ 981,000 | $ 122,000 | $ 59,000 |
| Weber County Utah | 8 | $ 1,170,000 | $ 146,000 | $ 59,000 |
| El Dorado County California | 7 | $ 1,393,000 | $ 199,000 | $ 54,000 |
| Placer County California | 7 | $ 1,521,000 | $ 217,000 | $ 57,000 |
| Larimer County Colorado | 7 | $ 1,089,000 | $ 155,000 | $ 56,000 |
| Utah County Utah | 6 | $ 1,280,000 | $ 213,000 | $ 62,000 |
| Butte County California | 5 | $ 598,000 | $ 119,000 | $ 44,000 |
| Humboldt County California | 5 | $ 815,000 | $ 163,000 | $ 310,000 |
| Lake County California | 5 | $ 765,000 | $ 153,000 | $ 58,000 |
| San Luis Obispo County California | 5 | $ 1,635,000 | $ 327,000 | $ 171,000 |
| Santa Cruz County California | 5 | $ 11,330,000 | $ 2,266,000 | $ 102,000 |
| Douglas County Colorado | 5 | $ 2,080,000 | $ 416,000 | $ 101,000 |
| Garfield County Colorado | 5 | $ 900,000 | $ 180,000 | $ 43,000 |
| Jefferson County Colorado | 5 | $ 1,082,000 | $ 216,000 | $ 92,000 |
| Nevada County California | 4 | $ 620,000 | $ 155,000 | $ 62,000 |
| Santa Barbara County California | 4 | $ 890,000 | $ 222,000 | $ 100,000 |
| Yuba County California | 4 | $ 307,000 | $ 76,000 | $ 57,000 |
| Alamosa County Colorado | 4 | $ 387,000 | $ 96,000 | $ 28,000 |
| Boulder County Colorado | 4 | $ 699,000 | $ 174,000 | $ 92,000 |
| Washington County Utah | 4 | $ 464,000 | $ 116,000 | $ 38,000 |
| Calaveras County California | 3 | $ 409,000 | $ 136,000 | $ 64,000 |
| Imperial County California | 3 | $ 380,000 | $ 126,000 | $ 53,000 |
| Napa County California | 3 | $ 778,000 | $ 259,000 | $ 69,000 |
| San Benito County California | 3 | $ 579,000 | $ 193,000 | $ 71,000 |
| Sutter County California | 3 | $ 405,000 | $ 135,000 | $ 63,000 |
| Tuolumne County California | 3 | $ 398,000 | $ 132,000 | $ 73,000 |
| Yolo County California | 3 | $ 831,000 | $ 277,000 | $ 65,000 |
| Fremont County Colorado | 3 | $ 329,000 | $ 109,000 | $ 49,000 |
| Montezuma County Colorado | 3 | $ 306,000 | $ 102,000 | $ 51,000 |
| Morgan County Colorado | 3 | $ 278,000 | $ 92,000 | $ 59,000 |
| Rio Grande County Colorado | 3 | $ 343,000 | $ 114,000 | $ 27,000 |
| Summit County Utah | 3 | $ 480,000 | $ 160,000 | $ 71,000 |
| Maricopa County Arizona | 2 | $ 442,000 | $ 221,000 | $ 52,000 |
| Pima County Arizona | 2 | $ 184,000 | $ 92,000 | $ 132,000 |
| Amador County California | 2 | $ 628,000 | $ 314,000 | $ 62,000 |
| Kings County California | 2 | $ 278,000 | $ 139,000 | $ 37,000 |
| Madera County California | 2 | $ 160,000 | $ 80,000 | $ 80,000 |
| Marin County California | 2 | $ 759,000 | $ 379,000 | $ 87,000 |
| Mendocino County California | 2 | $ 295,000 | $ 147,000 | $ 22,000 |
| Montrose County Colorado | 2 | $ 228,000 | $ 114,000 | $ 32,000 |
| Pueblo County Colorado | 2 | $ 223,000 | $ 111,000 | $ 85,000 |
| Del Norte County California | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Glenn County California | 1 | $ 104,000 | $ 104,000 | $ 45,000 |
| Inyo County California | 1 | $ 208,000 | $ 208,000 | $ 102,000 |
| Lassen County California | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| Mariposa County California | 1 | $ 120,000 | $ 120,000 | $ 31,000 |
| San Francisco County California | 1 | $ 200,000 | $ 200,000 | $ 30,000 |
| Siskiyou County California | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Delta County Colorado | 1 | $ 72,000 | $ 72,000 | $ 45,000 |
| Eagle County Colorado | 1 | $ 230,000 | $ 230,000 | $ 105,000 |
| Elbert County Colorado | 1 | $ 220,000 | $ 220,000 | $ 13,000 |
| La Plata County Colorado | 1 | $ 193,000 | $ 193,000 | $ 81,000 |
| Las Animas County Colorado | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
| Logan County Colorado | 1 | $ 99,000 | $ 99,000 | $ 150,000 |
| Otero County Colorado | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Park County Colorado | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| Yuma County Colorado | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Lee County Florida | 1 | $ 221,000 | $ 221,000 | $ 91,000 |
| Kootenai County Idaho | 1 | $ 228,000 | $ 228,000 | $ 26,000 |
| Oakland County Michigan | 1 | $ 80,000 | $ 80,000 | $ 95,000 |
| Adair County Missouri | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Gallatin County Montana | 1 | $ 85,000 | $ 85,000 | $ 18,000 |
| Clark County Nevada | 1 | $ 226,000 | $ 226,000 | $ 44,000 |
| Multnomah County Oregon | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| San Juan County Puerto Rico | 1 | $ 400,000 | $ 400,000 | $ 135,000 |
| Grayson County Texas | 1 | $ 107,000 | $ 107,000 | $ 60,000 |
| Duchesne County Utah | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Garfield County Utah | 1 | $ 79,000 | $ 79,000 | $ 14,000 |
| San Juan County Utah | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Uintah County Utah | 1 | $ 67,000 | $ 67,000 | $ 29,000 |
| Wayne County Utah | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Lacaza Capital, Inc in 2003
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 (home purchase or home improvement, one-to-four family) | 994 | $185,028,000 | $156,666 | $10,000,000 | $58,333 | $900,000 |
| Home Purchase (one-to-four family) | 159 | $32,855,000 | $192,166 | $900,000 | $74,000 | $577,000 |
| Home Improvement (one-to-four family) | 6 | $145,000 | $24,000 | $60,000 | $60,000 | $110,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 1,127 | $211,849,000 | $169,000 | $10,000,000 | $65,571 | $900,000 |
| White | 17 | $3,332,000 | $224,000 | $425,000 | $88,333 | $155,000 |
| Hispanic | 12 | $2,164,000 | $180,000 | $425,000 | $98,000 | $360,000 |
| Asian or Pacific Islander | 1 | $232,000 | $232,000 | $232,000 | $208,000 | $208,000 |
| Black | 1 | $260,000 | $260,000 | $260,000 | $54,000 | $54,000 |
| Other | 1 | $191,000 | $191,000 | $191,000 | $61,000 | $61,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,158 | $217,909,000 | $169,071 | $10,000,000 | $65,857 | $900,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $119,000 | $119,000 | $119,000 | $54,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 627 | $122,200,000 | $155,300 | $10,000,000 | $69,200 | $900,000 |
| Application Denied By Financial Institution | 260 | $44,224,000 | $190,500 | $1,120,000 | $48,833 | $336,000 |
| Loan Originated | 160 | $30,882,000 | $188,500 | $780,000 | $66,500 | $480,000 |
| File Closed For Incompleteness | 110 | $20,512,000 | $177,666 | $900,000 | $80,833 | $384,000 |
| Application Approved But Not Accepted | 2 | $210,000 | $105,000 | $139,000 | $50,000 | $61,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 110 | $19,188,000 | $174,250 | $1,120,000 | $56,500 | $216,000 |
| Other | 20 | $4,602,000 | $214,000 | $500,000 | $61,400 | $238,000 |
| Debt-To-Income Ratio | 15 | $2,705,000 | $186,250 | $750,000 | $46,000 | $80,000 |
| Credit Application Incomplete | 11 | $1,883,000 | $155,333 | $300,000 | $112,000 | $324,000 |
| Collateral | 10 | $1,186,000 | $132,000 | $196,000 | $40,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,753,000 | $157,000 | $492,000 | $43,000 | $83,000 |
| Unverifiable Information | 4 | $883,000 | $173,500 | $400,000 | $90,000 | $132,000 |
| Employment History | 2 | $300,000 | $150,000 | $240,000 | $32,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lacaza Capital, Inc's 2003 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 Lacaza Capital, 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.