Land/Home Financial Services Mortgage Lending & HMDA Data, 2004
In 2004, Land/Home Financial Services of Concord, CA reported 2,153 mortgage applications totaling $502.3 million, down 36% from 2003. The average application was for $233,286, and applicants reported an average income of $97,630. 70% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (471), Sacramento--Arden-Arcade--Roseville, CA (218) and San Francisco-San Mateo-Redwood City, CA (169) (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 | 2,153 |
| Total Mortgage Loan Application Amount | $502,265,000 |
| Average Mortgage Loan Application Amount | $233,286 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $97,630 |
| Highest Applicant Income | $4,053,000 |
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records Land/Home Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,082 | $252,673,000 | $165,789 | $1,901,000 | $74,052 | $1,363,000 |
| Refinancing | 1,041 | $241,766,000 | $174,333 | $3,000,000 | $119,533 | $4,053,000 |
| Home Improvement | 30 | $7,826,000 | $276,666 | $845,000 | $114,666 | $438,000 |
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 | 1,337 | $324,340,000 | $171,361 | $3,000,000 | $95,472 | $4,053,000 |
| Not Provided | 332 | $62,158,000 | $147,090 | $720,000 | $63,954 | $300,000 |
| Hispanic | 182 | $43,173,000 | $205,142 | $870,000 | $89,000 | $280,000 |
| Asian | 161 | $42,535,000 | $206,000 | $920,000 | $130,500 | $489,000 |
| Black or African American | 80 | $18,358,000 | $155,571 | $880,000 | $72,857 | $300,000 |
| Not applicable | 40 | $7,556,000 | $119,153 | $590,000 | $48,538 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $3,945,000 | $176,250 | $532,000 | $60,750 | $275,000 |
| American Indian or Alaskan Native | 1 | $200,000 | $200,000 | $200,000 | $87,000 | $87,000 |
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) | 2,066 | $491,033,000 | $166,815 | $3,000,000 | $87,157 | $4,053,000 |
| FHA-insured (Federal Housing Administration) | 82 | $10,591,000 | $120,538 | $251,000 | $46,384 | $90,000 |
| VA-guaranteed (Veterans Administration) | 5 | $641,000 | $156,500 | $204,000 | $47,500 | $58,000 |
| 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 | 1,498 | $358,432,000 | $166,171 | $1,901,000 | $91,800 | $4,053,000 |
| Application Approved But Not Accepted | 613 | $134,933,000 | $170,742 | $3,000,000 | $74,971 | $1,659,000 |
| Application Denied By Financial Institution | 41 | $8,256,000 | $211,000 | $696,000 | $122,600 | $324,000 |
| Loan Purchased By The Institution | 1 | $644,000 | $644,000 | $644,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 16 | $3,150,000 | $148,666 | $420,000 | $88,333 | $270,000 |
| Credit History | 13 | $2,495,000 | $191,000 | $696,000 | $85,000 | $264,000 |
| Collateral | 6 | $1,513,000 | $229,250 | $459,000 | $173,250 | $324,000 |
| Credit Application Incomplete | 2 | $325,000 | $162,000 | $260,000 | $58,000 | $117,000 |
| Debt-To-Income Ratio | 2 | $361,000 | $180,500 | $263,000 | $31,500 | $41,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Land/Home Financial Services'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 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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