Land/Home Financial Services Mortgage Lending & HMDA Data, 2009
In 2009, Land/Home Financial Services of Concord, CA reported 6,204 mortgage applications totaling $1.8 billion, up 52% from 2008. The average application was for $282,481, and applicants reported an average income of $100,298. 53% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (1,351), Sacramento--Arden-Arcade--Roseville, CA (369) and San Francisco-San Mateo-Redwood City, CA (354) (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 | 6,204 |
| Total Mortgage Loan Application Amount | $1,752,516,000 |
| Average Mortgage Loan Application Amount | $282,481 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $100,298 |
| Highest Applicant Income | $4,853,000 |
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records Land/Home Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 3,673 | $1,135,793,000 | $309,000 | $1,425,000 | $108,000 | $4,853,000 |
| Home Purchase | 2,514 | $610,815,000 | $242,000 | $968,000 | $89,000 | $1,675,000 |
| Home Improvement | 17 | $5,908,000 | $347,000 | $560,000 | $107,000 | $245,000 |
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 | 3,878 | $1,119,500,000 | $288,000 | $1,425,000 | $108,000 | $4,853,000 |
| Hispanic | 804 | $171,308,000 | $213,000 | $786,000 | $64,000 | $527,000 |
| Asian | 716 | $227,530,000 | $317,000 | $730,000 | $108,000 | $960,000 |
| Not Provided | 567 | $167,900,000 | $296,000 | $806,000 | $102,000 | $938,000 |
| Black or African American | 152 | $37,122,000 | $244,000 | $875,000 | $69,000 | $299,000 |
| Native Hawaiian or Other Pacific Islander | 74 | $25,335,000 | $342,000 | $800,000 | $91,000 | $388,000 |
| American Indian or Alaskan Native | 13 | $3,821,000 | $293,000 | $491,000 | $75,000 | $149,000 |
| 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) | 4,258 | $1,265,348,000 | $297,000 | $1,425,000 | $118,000 | $4,853,000 |
| FHA-insured (Federal Housing Administration) | 1,755 | $428,708,000 | $244,000 | $786,000 | $63,000 | $363,000 |
| VA-guaranteed (Veterans Administration) | 191 | $58,460,000 | $306,000 | $806,000 | $54,000 | $269,000 |
| 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 | 3,302 | $919,565,000 | $278,000 | $1,190,000 | $101,000 | $4,853,000 |
| Application Approved But Not Accepted | 2,023 | $581,762,000 | $287,000 | $1,425,000 | $105,000 | $2,485,000 |
| Application Denied By Financial Institution | 861 | $245,243,000 | $284,000 | $1,000,000 | $85,000 | $960,000 |
| Application Withdrawn By Applicant | 16 | $5,307,000 | $331,000 | $729,000 | $150,000 | $1,041,000 |
| File Closed For Incompleteness | 2 | $639,000 | $319,000 | $417,000 | $80,000 | $98,000 |
| 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 | 434 | $131,136,000 | $302,000 | $1,000,000 | $102,000 | $960,000 |
| Credit History | 171 | $40,206,000 | $235,000 | $625,000 | $52,000 | $183,000 |
| Debt-To-Income Ratio | 96 | $29,078,000 | $302,000 | $730,000 | $71,000 | $261,000 |
| Collateral | 87 | $25,146,000 | $289,000 | $741,000 | $95,000 | $429,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 33 | $8,981,000 | $272,000 | $730,000 | $80,000 | $270,000 |
| Unverifiable Information | 19 | $5,749,000 | $302,000 | $658,000 | $75,000 | $225,000 |
| Employment History | 13 | $2,933,000 | $225,000 | $379,000 | $52,000 | $111,000 |
| Credit Application Incomplete | 7 | $1,780,000 | $254,000 | $636,000 | $47,000 | $200,000 |
| Mortgage Insurance Denied | 1 | $234,000 | $234,000 | $234,000 | $35,000 | $35,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Land/Home Financial Services's 2009 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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