Lacaza Capital, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Lacaza Capital, Inc 2004 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 | 858 |
| Total Mortgage Loan Application Amount | $176,720,000 |
| Average Mortgage Loan Application Amount | $206,800 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $58,400 |
| Highest Applicant Income | $510,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 95 | $ 33,655,000 | $ 354,000 | $ 74,000 |
| Riverside County California | 40 | $ 8,354,000 | $ 208,000 | $ 64,000 |
| Salt Lake County Utah | 35 | $ 5,018,000 | $ 143,000 | $ 45,000 |
| Orange County California | 29 | $ 7,704,000 | $ 265,000 | $ 101,000 |
| San Bernardino County California | 26 | $ 4,703,000 | $ 180,000 | $ 72,000 |
| Kern County California | 20 | $ 2,755,000 | $ 137,000 | $ 94,000 |
| Sacramento County California | 20 | $ 3,847,000 | $ 192,000 | $ 61,000 |
| San Diego County California | 20 | $ 6,668,000 | $ 333,000 | $ 83,000 |
| San Joaquin County California | 16 | $ 3,691,000 | $ 230,000 | $ 59,000 |
| Contra Costa County California | 14 | $ 3,802,000 | $ 271,000 | $ 74,000 |
| Stanislaus County California | 14 | $ 2,556,000 | $ 182,000 | $ 43,000 |
| Utah County Utah | 13 | $ 2,557,000 | $ 196,000 | $ 70,000 |
| Fresno County California | 12 | $ 1,711,000 | $ 142,000 | $ 59,000 |
| Adams County Colorado | 12 | $ 2,736,000 | $ 228,000 | $ 66,000 |
| Arapahoe County Colorado | 12 | $ 2,649,000 | $ 220,000 | $ 102,000 |
| El Paso County Colorado | 12 | $ 2,217,000 | $ 184,000 | $ 74,000 |
| Solano County California | 11 | $ 3,035,000 | $ 275,000 | $ 70,000 |
| Larimer County Colorado | 11 | $ 2,107,000 | $ 191,000 | $ 77,000 |
| Davis County Utah | 11 | $ 1,670,000 | $ 151,000 | $ 53,000 |
| Weld County Colorado | 10 | $ 1,375,000 | $ 137,000 | $ 70,000 |
| Ventura County California | 9 | $ 2,441,000 | $ 271,000 | $ 69,000 |
| Pueblo County Colorado | 9 | $ 823,000 | $ 91,000 | $ 44,000 |
| Alameda County California | 8 | $ 2,431,000 | $ 303,000 | $ 91,000 |
| Jackson County Missouri | 8 | $ 964,000 | $ 120,000 | $ 70,000 |
| Weber County Utah | 8 | $ 1,234,000 | $ 154,000 | $ 50,000 |
| Jefferson County Colorado | 7 | $ 1,666,000 | $ 238,000 | $ 99,000 |
| Mendocino County California | 6 | $ 1,284,000 | $ 214,000 | $ 51,000 |
| Ada County Idaho | 6 | $ 647,000 | $ 107,000 | $ 36,000 |
| Kootenai County Idaho | 6 | $ 563,000 | $ 93,000 | $ 61,000 |
| Merced County California | 5 | $ 1,035,000 | $ 207,000 | $ 68,000 |
| Santa Clara County California | 5 | $ 2,237,000 | $ 447,000 | $ 72,000 |
| Santa Cruz County California | 5 | $ 2,134,000 | $ 426,000 | $ 79,000 |
| Broward County Florida | 5 | $ 752,000 | $ 150,000 | $ 69,000 |
| St. Louis County Missouri | 5 | $ 641,000 | $ 128,000 | $ 61,000 |
| Cache County Utah | 5 | $ 732,000 | $ 146,000 | $ 35,000 |
| Washington County Utah | 5 | $ 624,000 | $ 124,000 | $ 41,000 |
| Kings County California | 4 | $ 546,000 | $ 136,000 | $ 48,000 |
| Monterey County California | 4 | $ 777,000 | $ 194,000 | $ 57,000 |
| Sonoma County California | 4 | $ 1,097,000 | $ 274,000 | $ 72,000 |
| Tulare County California | 4 | $ 631,000 | $ 157,000 | $ 67,000 |
| Denver County Colorado | 4 | $ 663,000 | $ 165,000 | $ 47,000 |
| Fremont County Colorado | 4 | $ 664,000 | $ 166,000 | $ 48,000 |
| Miami-Dade County Florida | 4 | $ 544,000 | $ 136,000 | $ 92,000 |
| Pasco County Florida | 4 | $ 393,000 | $ 98,000 | $ 47,000 |
| Bonneville County Idaho | 4 | $ 307,000 | $ 76,000 | $ 51,000 |
| Butte County California | 3 | $ 491,000 | $ 163,000 | $ 35,000 |
| Imperial County California | 3 | $ 475,000 | $ 158,000 | $ 55,000 |
| Santa Barbara County California | 3 | $ 1,540,000 | $ 513,000 | $ 126,000 |
| Shasta County California | 3 | $ 436,000 | $ 145,000 | $ 41,000 |
| Yuba County California | 3 | $ 491,000 | $ 163,000 | $ 49,000 |
| Douglas County Colorado | 3 | $ 884,000 | $ 294,000 | $ 127,000 |
| Garfield County Colorado | 3 | $ 917,000 | $ 305,000 | $ 79,000 |
| Morgan County Colorado | 3 | $ 252,000 | $ 84,000 | $ 72,000 |
| Bay County Florida | 3 | $ 409,000 | $ 136,000 | $ 62,000 |
| Orange County Florida | 3 | $ 1,010,000 | $ 336,000 | $ 99,000 |
| Pinellas County Florida | 3 | $ 288,000 | $ 96,000 | $ 24,000 |
| Boone County Missouri | 3 | $ 296,000 | $ 98,000 | $ 45,000 |
| Platte County Missouri | 3 | $ 466,000 | $ 155,000 | $ 63,000 |
| St. Charles County Missouri | 3 | $ 577,000 | $ 192,000 | $ 95,000 |
| Flathead County Montana | 3 | $ 424,000 | $ 141,000 | $ 28,000 |
| Tooele County Utah | 3 | $ 398,000 | $ 132,000 | $ 51,000 |
| El Dorado County California | 2 | $ 800,000 | $ 400,000 | $ 112,000 |
| Humboldt County California | 2 | $ 337,000 | $ 168,000 | $ 65,000 |
| Madera County California | 2 | $ 302,000 | $ 151,000 | $ 34,000 |
| Nevada County California | 2 | $ 349,000 | $ 174,000 | $ 81,000 |
| Tehama County California | 2 | $ 290,000 | $ 145,000 | $ 46,000 |
| Yolo County California | 2 | $ 420,000 | $ 210,000 | $ 62,000 |
| Boulder County Colorado | 2 | $ 395,000 | $ 197,000 | $ 63,000 |
| Broomfield County Colorado | 2 | $ 365,000 | $ 182,000 | $ 50,000 |
| Mesa County Colorado | 2 | $ 330,000 | $ 165,000 | $ 32,000 |
| Montrose County Colorado | 2 | $ 334,000 | $ 167,000 | $ 68,000 |
| Lee County Florida | 2 | $ 242,000 | $ 121,000 | $ 55,000 |
| Monroe County Florida | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Polk County Florida | 2 | $ 239,000 | $ 119,000 | $ 37,000 |
| Sarasota County Florida | 2 | $ 313,000 | $ 156,000 | $ 90,000 |
| St. Johns County Florida | 2 | $ 276,000 | $ 138,000 | $ 44,000 |
| Volusia County Florida | 2 | $ 191,000 | $ 95,000 | $ 32,000 |
| Bannock County Idaho | 2 | $ 237,000 | $ 118,000 | $ 67,000 |
| Blaine County Idaho | 2 | $ 240,000 | $ 120,000 | $ 37,000 |
| Canyon County Idaho | 2 | $ 411,000 | $ 205,000 | $ 38,000 |
| Twin Falls County Idaho | 2 | $ 217,000 | $ 108,000 | $ 53,000 |
| Andrew County Missouri | 2 | $ 186,000 | $ 93,000 | $ 42,000 |
| Christian County Missouri | 2 | $ 361,000 | $ 180,000 | $ 41,000 |
| Clay County Missouri | 2 | $ 205,000 | $ 102,000 | $ 72,000 |
| Jefferson County Missouri | 2 | $ 323,000 | $ 161,000 | $ 90,000 |
| Miller County Missouri | 2 | $ 198,000 | $ 99,000 | $ 33,000 |
| Moniteau County Missouri | 2 | $ 177,000 | $ 88,000 | $ 54,000 |
| Taney County Missouri | 2 | $ 151,000 | $ 75,000 | $ 168,000 |
| Yellowstone County Montana | 2 | $ 261,000 | $ 130,000 | $ 49,000 |
| Box Elder County Utah | 2 | $ 200,000 | $ 100,000 | $ 47,000 |
| Sanpete County Utah | 2 | $ 199,000 | $ 99,000 | $ 49,000 |
| Wasatch County Utah | 2 | $ 594,000 | $ 297,000 | $ 81,000 |
| Maricopa County Arizona | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Amador County California | 1 | $ 221,000 | $ 221,000 | $ 78,000 |
| Calaveras County California | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
| Del Norte County California | 1 | $ 85,000 | $ 85,000 | $ 80,000 |
| Glenn County California | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Inyo County California | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Marin County California | 1 | $ 319,000 | $ 319,000 | $ 105,000 |
| Napa County California | 1 | $ 160,000 | $ 160,000 | $ 34,000 |
| Plumas County California | 1 | $ 250,000 | $ 250,000 | $ 10,000 |
| San Mateo County California | 1 | $ 250,000 | $ 250,000 | $ 61,000 |
| Siskiyou County California | 1 | $ 117,000 | $ 117,000 | $ 35,000 |
| Sutter County California | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Tuolumne County California | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Chaffee County Colorado | 1 | $ 130,000 | $ 130,000 | $ 30,000 |
| Elbert County Colorado | 1 | $ 161,000 | $ 161,000 | $ 48,000 |
| Grand County Colorado | 1 | $ 282,000 | $ 282,000 | $ 55,000 |
| Lake County Colorado | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Montezuma County Colorado | 1 | $ 247,000 | $ 247,000 | $ 60,000 |
| Routt County Colorado | 1 | $ 60,000 | $ 60,000 | $ 21,000 |
| San Miguel County Colorado | 1 | $ 144,000 | $ 144,000 | $ 65,000 |
| Yuma County Colorado | 1 | $ 73,000 | $ 73,000 | $ 48,000 |
| Tolland County Connecticut | 1 | $ 230,000 | $ 230,000 | $ 81,000 |
| New Castle County Delaware | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| Charlotte County Florida | 1 | $ 132,000 | $ 132,000 | $ 36,000 |
| Flagler County Florida | 1 | $ 90,000 | $ 90,000 | $ 26,000 |
| Highlands County Florida | 1 | $ 90,000 | $ 90,000 | $ 82,000 |
| Hillsborough County Florida | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Lake County Florida | 1 | $ 137,000 | $ 137,000 | $ 45,000 |
| Leon County Florida | 1 | $ 92,000 | $ 92,000 | $ 35,000 |
| Marion County Florida | 1 | $ 98,000 | $ 98,000 | $ 20,000 |
| Osceola County Florida | 1 | $ 93,000 | $ 93,000 | $ 35,000 |
| Palm Beach County Florida | 1 | $ 121,000 | $ 121,000 | $ 93,000 |
| Santa Rosa County Florida | 1 | $ 90,000 | $ 90,000 | $ 46,000 |
| Seminole County Florida | 1 | $ 131,000 | $ 131,000 | $ 97,000 |
| Walton County Florida | 1 | $ 116,000 | $ 116,000 | $ 40,000 |
| Adams County Idaho | 1 | $ 186,000 | $ 186,000 | $ 36,000 |
| Boise County Idaho | 1 | $ 170,000 | $ 170,000 | $ 49,000 |
| Bonner County Idaho | 1 | $ 42,000 | $ 42,000 | $ 17,000 |
| Jefferson County Idaho | 1 | $ 545,000 | $ 545,000 | $ 98,000 |
| Jerome County Idaho | 1 | $ 72,000 | $ 72,000 | $ 26,000 |
| Nez Perce County Idaho | 1 | $ 118,000 | $ 118,000 | $ 78,000 |
| Owyhee County Idaho | 1 | $ 70,000 | $ 70,000 | $ 330,000 |
| Cape Girardeau County Missouri | 1 | $ 148,000 | $ 148,000 | $ 30,000 |
| Cass County Missouri | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Cole County Missouri | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Cooper County Missouri | 1 | $ 19,000 | $ 19,000 | $ 40,000 |
| Franklin County Missouri | 1 | $ 59,000 | $ 59,000 | $ 70,000 |
| Henry County Missouri | 1 | $ 78,000 | $ 78,000 | $ 20,000 |
| Jasper County Missouri | 1 | $ 87,000 | $ 87,000 | $ 31,000 |
| Johnson County Missouri | 1 | $ 90,000 | $ 90,000 | $ 48,000 |
| Lafayette County Missouri | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Scott County Missouri | 1 | $ 52,000 | $ 52,000 | $ 50,000 |
| Stone County Missouri | 1 | $ 172,000 | $ 172,000 | $ 172,000 |
| Lewis and Clark County Montana | 1 | $ 97,000 | $ 97,000 | $ 65,000 |
| Douglas County Nebraska | 1 | $ 350,000 | $ 350,000 | $ 80,000 |
| Beaver County Utah | 1 | $ 170,000 | $ 170,000 | $ 40,000 |
| Carbon County Utah | 1 | $ 170,000 | $ 170,000 | $ 18,000 |
| Juab County Utah | 1 | $ 170,000 | $ 170,000 | $ 34,000 |
| Rich County Utah | 1 | $ 64,000 | $ 64,000 | $ 45,000 |
| San Juan County Utah | 1 | $ 170,000 | $ 170,000 | $ 40,000 |
| Uintah County Utah | 1 | $ 127,000 | $ 127,000 | $ 73,000 |
| Whatcom County Washington | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Lacaza Capital, Inc in 2004
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 | 804 | $154,028,000 | $162,500 | $1,000,000 | $57,083 | $510,000 |
| Home Purchase | 45 | $19,647,000 | $255,333 | $10,000,000 | $51,500 | $250,000 |
| Home Improvement | 9 | $3,045,000 | $327,000 | $1,070,000 | $87,000 | $219,000 |
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 | 855 | $175,641,000 | $178,923 | $10,000,000 | $58,923 | $510,000 |
| American Indian or Alaskan Native | 2 | $579,000 | $289,500 | $424,000 | $52,500 | $55,000 |
| Hispanic | 1 | $500,000 | $500,000 | $500,000 | $95,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 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) | 847 | $174,844,000 | $179,076 | $10,000,000 | $59,076 | $510,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,776,000 | $151,600 | $335,000 | $46,400 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $100,000 | $100,000 | $100,000 | $43,000 | $43,000 |
| 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 | 584 | $127,270,000 | $187,750 | $10,000,000 | $59,333 | $510,000 |
| Application Denied By Financial Institution | 172 | $30,272,000 | $148,500 | $697,000 | $60,000 | $330,000 |
| Loan Originated | 100 | $18,896,000 | $137,285 | $800,000 | $60,428 | $352,000 |
| File Closed For Incompleteness | 2 | $282,000 | $141,000 | $145,000 | $57,000 | $70,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 144 | $25,189,000 | $150,875 | $697,000 | $59,750 | $330,000 |
| Credit History | 13 | $2,258,000 | $145,800 | $660,000 | $51,600 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $755,000 | $204,500 | $346,000 | $60,000 | $96,000 |
| Collateral | 2 | $260,000 | $130,000 | $164,000 | $101,000 | $142,000 |
| Credit Application Incomplete | 2 | $320,000 | $160,000 | $250,000 | $56,000 | $75,000 |
| Employment History | 2 | $336,000 | $168,000 | $240,000 | $85,000 | $100,000 |
| Unverifiable Information | 1 | $280,000 | $280,000 | $280,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lacaza Capital, Inc's 2004 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.