Lacaza Capital, Inc Mortgage Lending & HMDA Data, 2003
In 2003, Lacaza Capital, Inc of Irvine, CA reported 1,159 mortgage applications totaling $218.0 million. The average application was for $188,117, and applicants reported an average income of $69,088. 14% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Riverside-San Bernardino, CA (179), Los Angeles-Long Beach, CA (168) and Orange County, CA (79) (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 | 1,159 |
| Total Mortgage Loan Application Amount | $218,028,000 |
| Average Mortgage Loan Application Amount | $188,117 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $69,088 |
| Highest Applicant Income | $900,000 |
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Act (HMDA) records Lacaza Capital, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino, CA | 179 | $ 28,406,000 | $ 158,692 | $ 59,000 |
| Los Angeles-Long Beach, CA | 168 | $ 31,446,000 | $ 187,178 | $ 86,000 |
| Orange County, CA | 79 | $ 18,196,000 | $ 230,329 | $ 87,000 |
| Sacramento, CA | 61 | $ 10,562,000 | $ 173,147 | $ 56,000 |
| Denver, CO | 47 | $ 8,853,000 | $ 188,361 | $ 71,000 |
| San Diego, CA | 43 | $ 9,903,000 | $ 230,302 | $ 65,000 |
| Oakland, CA | 41 | $ 9,021,000 | $ 220,024 | $ 77,000 |
| Bakersfield, CA | 39 | $ 4,283,000 | $ 109,820 | $ 64,000 |
| Salt Lake City-Ogden, UT | 33 | $ 4,848,000 | $ 146,909 | $ 53,000 |
| Fresno, CA | 25 | $ 3,196,000 | $ 127,840 | $ 68,000 |
| Colorado Springs, CO | 23 | $ 3,599,000 | $ 156,478 | $ 62,000 |
| Modesto, CA | 23 | $ 3,330,000 | $ 144,782 | $ 53,000 |
| Ventura, CA | 23 | $ 5,422,000 | $ 235,739 | $ 65,000 |
| Stockton-Lodi, CA | 21 | $ 3,315,000 | $ 157,857 | $ 54,000 |
| San Jose, CA | 16 | $ 5,021,000 | $ 313,812 | $ 85,000 |
| Redding, CA | 14 | $ 1,622,000 | $ 115,857 | $ 53,000 |
| Vallejo-Fairfield-Napa, CA | 14 | $ 2,976,000 | $ 212,571 | $ 72,000 |
| San Francisco, CA | 13 | $ 4,366,000 | $ 335,846 | $ 82,000 |
| Salinas, CA | 12 | $ 2,294,000 | $ 191,166 | $ 57,000 |
| Santa Rosa, CA | 12 | $ 2,977,000 | $ 248,083 | $ 87,000 |
| Visalia-Tulare-Porterville, CA | 10 | $ 1,212,000 | $ 121,200 | $ 52,000 |
| Greeley, CO | 9 | $ 1,199,000 | $ 133,222 | $ 52,000 |
| Merced, CA | 9 | $ 1,574,000 | $ 174,888 | $ 67,000 |
| Grand Junction, CO | 8 | $ 981,000 | $ 122,625 | $ 59,000 |
| Fort Collins-Loveland, CO | 7 | $ 1,089,000 | $ 155,571 | $ 56,000 |
| Yuba City, CA | 7 | $ 712,000 | $ 101,714 | $ 60,000 |
| Provo-Orem, UT | 6 | $ 1,280,000 | $ 213,333 | $ 62,000 |
| Chico-Paradise, CA | 5 | $ 598,000 | $ 119,600 | $ 44,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 5 | $ 1,635,000 | $ 327,000 | $ 171,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 11,330,000 | $ 2,266,000 | $ 102,000 |
| Boulder-Longmont, CO | 4 | $ 699,000 | $ 174,750 | $ 92,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 4 | $ 890,000 | $ 222,500 | $ 100,000 |
| Yolo, CA | 3 | $ 831,000 | $ 277,000 | $ 65,000 |
| Phoenix-Mesa, AZ | 2 | $ 442,000 | $ 221,000 | $ 52,000 |
| Pueblo, CO | 2 | $ 223,000 | $ 111,500 | $ 85,000 |
| Tucson, AZ | 2 | $ 184,000 | $ 92,000 | $ 132,000 |
| Detroit, MI | 1 | $ 80,000 | $ 80,000 | $ 95,000 |
| Fort Myers-Cape Coral, FL | 1 | $ 221,000 | $ 221,000 | $ 91,000 |
| Las Vegas, NV-AZ | 1 | $ 226,000 | $ 226,000 | $ 44,000 |
| Portland-Vancouver, OR-WA | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| San Juan-Bayamon, PR | 1 | $ 400,000 | $ 400,000 | $ 135,000 |
| Sherman-Denison, TX | 1 | $ 107,000 | $ 107,000 | $ 60,000 |
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.
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