Land/Home Financial Services Mortgage Lending & HMDA Data, 2005
In 2005, Land/Home Financial Services of Concord, CA reported 2,062 mortgage applications totaling $553.8 million, down 4% from 2004. The average application was for $268,573, and applicants reported an average income of $111,283. 70% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (446), Sacramento--Arden-Arcade--Roseville, CA (227) and San Francisco-San Mateo-Redwood City, CA (105) (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 | 2,062 |
| Total Mortgage Loan Application Amount | $553,798,000 |
| Average Mortgage Loan Application Amount | $268,573 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $111,283 |
| Highest Applicant Income | $1,498,000 |
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records Land/Home Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005
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 | 1,061 | $278,571,000 | $202,764 | $1,399,000 | $133,794 | $1,498,000 |
| Refinancing | 967 | $265,177,000 | $200,423 | $1,381,000 | $93,192 | $744,000 |
| Home Improvement | 34 | $10,050,000 | $601,666 | $1,440,000 | $47,666 | $360,000 |
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 | 1,204 | $320,339,000 | $207,864 | $1,440,000 | $128,891 | $1,498,000 |
| Not Provided | 241 | $64,154,000 | $194,500 | $1,000,000 | $74,000 | $391,000 |
| Hispanic | 229 | $58,497,000 | $189,300 | $1,000,000 | $115,200 | $623,000 |
| Asian | 167 | $53,387,000 | $161,250 | $999,000 | $166,250 | $462,000 |
| Not applicable | 144 | $37,336,000 | $206,500 | $1,166,000 | $85,750 | $463,000 |
| Black or African American | 47 | $12,981,000 | $137,833 | $683,000 | $97,333 | $842,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $4,682,000 | $216,800 | $560,000 | $172,400 | $228,000 |
| American Indian or Alaskan Native | 10 | $2,422,000 | $221,000 | $400,000 | $60,200 | $127,000 |
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) | 1,988 | $542,465,000 | $197,025 | $1,440,000 | $127,000 | $1,498,000 |
| FHA-insured (Federal Housing Administration) | 72 | $10,872,000 | $134,750 | $313,000 | $53,416 | $268,000 |
| VA-guaranteed (Veterans Administration) | 2 | $461,000 | $230,500 | $233,000 | $76,000 | $91,000 |
| 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 | 1,443 | $400,698,000 | $207,533 | $1,440,000 | $158,733 | $1,498,000 |
| Application Approved But Not Accepted | 619 | $153,100,000 | $174,090 | $1,015,000 | $77,909 | $842,000 |
| Application 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 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 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 2005 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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