Land/Home Financial Services Mortgage Lending & HMDA Data, 2010
In 2010, Land/Home Financial Services of Concord, CA reported 5,351 mortgage applications totaling $1.6 billion, down 14% from 2009. The average application was for $291,381, and applicants reported an average income of $107,797. 61% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (1,195), Sacramento--Arden-Arcade--Roseville, CA (587) and San Jose-Sunnyvale-Santa Clara, CA (415) (applications in parentheses).
| Mortgage Company & Address | Land/Home Financial Services 1355 Willow Way, Suite 250 Concord, CA 94520 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,351 |
| Total Mortgage Loan Application Amount | $1,559,185,000 |
| Average Mortgage Loan Application Amount | $291,381 |
| Highest Mortgage Loan Application Amount | $2,050,000 |
| Average Applicant Income | $107,797 |
| Highest Applicant Income | $1,703,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Land/Home Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Land/Home Financial Services in 2010
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 | 3,167 | $1,031,838,000 | $325,000 | $2,050,000 | $120,000 | $1,703,000 |
| Home Purchase | 2,175 | $524,755,000 | $241,000 | $1,383,000 | $90,000 | $1,276,000 |
| Home Improvement | 9 | $2,592,000 | $288,000 | $417,000 | $115,000 | $203,000 |
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 |
|---|---|---|---|---|---|---|
| White | 3,005 | $899,441,000 | $299,000 | $2,050,000 | $115,000 | $1,703,000 |
| Not Provided | 832 | $270,085,000 | $324,000 | $1,200,000 | $121,000 | $1,560,000 |
| Hispanic | 753 | $159,517,000 | $211,000 | $727,000 | $65,000 | $729,000 |
| Asian | 540 | $172,332,000 | $319,000 | $1,388,000 | $114,000 | $1,276,000 |
| Black or African American | 136 | $35,065,000 | $257,000 | $875,000 | $91,000 | $527,000 |
| Native Hawaiian or Other Pacific Islander | 75 | $20,644,000 | $275,000 | $621,000 | $93,000 | $366,000 |
| American Indian or Alaskan Native | 10 | $2,101,000 | $210,000 | $302,000 | $61,000 | $98,000 |
| 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) | 3,673 | $1,131,952,000 | $308,000 | $2,050,000 | $126,000 | $1,703,000 |
| FHA-insured (Federal Housing Administration) | 1,580 | $398,759,000 | $252,000 | $859,000 | $68,000 | $413,000 |
| VA-guaranteed (Veterans Administration) | 98 | $28,474,000 | $290,000 | $694,000 | $86,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 3,290 | $947,530,000 | $288,000 | $1,383,000 | $109,000 | $1,703,000 |
| Application Withdrawn By Applicant | 1,119 | $310,582,000 | $277,000 | $1,388,000 | $105,000 | $1,560,000 |
| Application Approved But Not Accepted | 491 | $157,702,000 | $321,000 | $1,368,000 | $112,000 | $940,000 |
| Application Denied By Financial Institution | 451 | $143,371,000 | $317,000 | $2,050,000 | $103,000 | $738,000 |
| File Closed For Incompleteness | 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 | 158 | $51,580,000 | $326,000 | $1,474,000 | $128,000 | $738,000 |
| Debt-To-Income Ratio | 127 | $43,393,000 | $341,000 | $999,000 | $85,000 | $564,000 |
| Credit History | 61 | $17,222,000 | $282,000 | $2,050,000 | $83,000 | $696,000 |
| Collateral | 53 | $14,700,000 | $277,000 | $593,000 | $96,000 | $311,000 |
| Credit Application Incomplete | 15 | $5,960,000 | $397,000 | $682,000 | $133,000 | $487,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,880,000 | $258,000 | $814,000 | $77,000 | $196,000 |
| Unverifiable Information | 14 | $3,703,000 | $264,000 | $620,000 | $106,000 | $430,000 |
| Employment History | 6 | $2,065,000 | $344,000 | $730,000 | $67,000 | $141,000 |
| Mortgage Insurance Denied | 2 | $868,000 | $434,000 | $746,000 | $140,000 | $151,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Land/Home Financial Services's 2010 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 Land/Home Financial Services'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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with aggregated HMDA statistics today.
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