Lacaza Capital, Inc Mortgage Lending & HMDA Data, 2004
In 2004, Lacaza Capital, Inc of Irvine, CA reported 858 mortgage applications totaling $176.7 million, down 26% from 2003. The average application was for $205,967, and applicants reported an average income of $61,292. 12% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (95), Riverside-San Bernardino-Ontario, CA (66) and Denver-Aurora, CO (41) (applications in parentheses).
| 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 | $205,967 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $61,292 |
| Highest Applicant Income | $510,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lacaza Capital, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 95 | $ 33,655,000 | $ 354,263 | $ 74,000 |
| Riverside-San Bernardino-Ontario, CA | 66 | $ 13,057,000 | $ 197,833 | $ 68,000 |
| Denver-Aurora, CO | 41 | $ 9,124,000 | $ 222,536 | $ 74,000 |
| Salt Lake City, UT | 38 | $ 5,416,000 | $ 142,526 | $ 47,000 |
| Santa Ana-Anaheim-Irvine, CA | 29 | $ 7,704,000 | $ 265,655 | $ 101,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 24 | $ 5,067,000 | $ 211,125 | $ 71,000 |
| Oakland-Fremont-Hayward, CA | 22 | $ 6,233,000 | $ 283,318 | $ 83,000 |
| Bakersfield, CA | 20 | $ 2,755,000 | $ 137,750 | $ 94,000 |
| San Diego-Carlsbad-San Marcos, CA | 20 | $ 6,668,000 | $ 333,400 | $ 83,000 |
| Ogden-Clearfield, UT | 19 | $ 2,904,000 | $ 152,842 | $ 52,000 |
| Stockton, CA | 16 | $ 3,691,000 | $ 230,687 | $ 59,000 |
| Kansas City, MO-KS | 15 | $ 1,880,000 | $ 125,333 | $ 70,000 |
| Modesto, CA | 14 | $ 2,556,000 | $ 182,571 | $ 43,000 |
| Provo-Orem, UT | 14 | $ 2,727,000 | $ 194,785 | $ 61,000 |
| Colorado Springs, CO | 12 | $ 2,217,000 | $ 184,750 | $ 74,000 |
| Fresno, CA | 12 | $ 1,711,000 | $ 142,583 | $ 59,000 |
| Fort Collins-Loveland, CO | 11 | $ 2,107,000 | $ 191,545 | $ 77,000 |
| St. Louis, MO-IL | 11 | $ 1,600,000 | $ 145,454 | $ 75,000 |
| Vallejo-Fairfield, CA | 11 | $ 3,035,000 | $ 275,909 | $ 70,000 |
| Boise City-Nampa, ID | 10 | $ 1,298,000 | $ 129,800 | $ 87,000 |
| Greeley, CO | 10 | $ 1,375,000 | $ 137,500 | $ 70,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 2,441,000 | $ 271,222 | $ 69,000 |
| Pueblo, CO | 9 | $ 823,000 | $ 91,444 | $ 44,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 816,000 | $ 102,000 | $ 50,000 |
| Coeur D'Alene, ID | 6 | $ 563,000 | $ 93,833 | $ 61,000 |
| Orlando, FL | 6 | $ 1,371,000 | $ 228,500 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 752,000 | $ 150,400 | $ 69,000 |
| Idaho Falls, ID | 5 | $ 852,000 | $ 170,400 | $ 63,000 |
| Logan, UT-ID | 5 | $ 732,000 | $ 146,400 | $ 35,000 |
| Merced, CA | 5 | $ 1,035,000 | $ 207,000 | $ 68,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 2,237,000 | $ 447,400 | $ 72,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 2,134,000 | $ 426,800 | $ 79,000 |
| St. George, UT | 5 | $ 624,000 | $ 124,800 | $ 41,000 |
| Hanford-Corcoran, CA | 4 | $ 546,000 | $ 136,500 | $ 48,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 544,000 | $ 136,000 | $ 92,000 |
| Salinas, CA | 4 | $ 777,000 | $ 194,250 | $ 57,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,097,000 | $ 274,250 | $ 72,000 |
| Visalia-Porterville, CA | 4 | $ 631,000 | $ 157,750 | $ 67,000 |
| Yuba City, CA | 4 | $ 691,000 | $ 172,750 | $ 57,000 |
| Chico, CA | 3 | $ 491,000 | $ 163,666 | $ 35,000 |
| Columbia, MO | 3 | $ 296,000 | $ 98,666 | $ 45,000 |
| El Centro, CA | 3 | $ 475,000 | $ 158,333 | $ 55,000 |
| Jefferson City, MO | 3 | $ 277,000 | $ 92,333 | $ 49,000 |
| Panama City-Lynn Haven, FL | 3 | $ 409,000 | $ 136,333 | $ 62,000 |
| Redding, CA | 3 | $ 436,000 | $ 145,333 | $ 41,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 1,540,000 | $ 513,333 | $ 126,000 |
| Billings, MT | 2 | $ 261,000 | $ 130,500 | $ 49,000 |
| Boulder, CO | 2 | $ 395,000 | $ 197,500 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 242,000 | $ 121,000 | $ 55,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 191,000 | $ 95,500 | $ 32,000 |
| Grand Junction, CO | 2 | $ 330,000 | $ 165,000 | $ 32,000 |
| Jacksonville, FL | 2 | $ 276,000 | $ 138,000 | $ 44,000 |
| Lakeland, FL | 2 | $ 239,000 | $ 119,500 | $ 37,000 |
| Madera, CA | 2 | $ 302,000 | $ 151,000 | $ 34,000 |
| Pocatello, ID | 2 | $ 237,000 | $ 118,500 | $ 67,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 569,000 | $ 284,500 | $ 83,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 313,000 | $ 156,500 | $ 90,000 |
| Springfield, MO | 2 | $ 361,000 | $ 180,500 | $ 41,000 |
| St. Joseph, MO-KS | 2 | $ 186,000 | $ 93,000 | $ 42,000 |
| Bellingham, WA | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 230,000 | $ 230,000 | $ 81,000 |
| Joplin, MO | 1 | $ 87,000 | $ 87,000 | $ 31,000 |
| Lewiston, ID-WA | 1 | $ 118,000 | $ 118,000 | $ 78,000 |
| Napa, CA | 1 | $ 160,000 | $ 160,000 | $ 34,000 |
| Ocala, FL | 1 | $ 98,000 | $ 98,000 | $ 20,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 350,000 | $ 350,000 | $ 80,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 90,000 | $ 90,000 | $ 46,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Punta Gorda, FL | 1 | $ 132,000 | $ 132,000 | $ 36,000 |
| Tallahassee, FL | 1 | $ 92,000 | $ 92,000 | $ 35,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 121,000 | $ 121,000 | $ 93,000 |
| Wilmington, DE-MD-NJ | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
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.
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