Lending Capital Home Loans Mortgage Lending & HMDA Data, 2006
In 2006, Lending Capital Home Loans of Newport Beach, CA reported 132 mortgage applications totaling $31.6 million. The average application was for $239,348, and applicants reported an average income of $83,909. 11% of its applications resulted in an originated loan and 55% were denied. Its largest markets were Baltimore-Towson, MD (12), Fresno, CA (11) and Los Angeles-Long Beach-Glendale, CA (9) (applications in parentheses).
| Mortgage Company & Address | Lending Capital Home Loans 4695 Macarthur Court, Suite 450 Newport Beach, CA 92660 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 132 |
| Total Mortgage Loan Application Amount | $31,594,000 |
| Average Mortgage Loan Application Amount | $239,348 |
| Highest Mortgage Loan Application Amount | $716,000 |
| Average Applicant Income | $83,909 |
| Highest Applicant Income | $330,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lending Capital Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore-Towson, MD | 12 | $ 2,873,000 | $ 239,416 | $ 96,000 |
| Fresno, CA | 11 | $ 2,168,000 | $ 197,090 | $ 56,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 2,597,000 | $ 288,555 | $ 94,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 1,600,000 | $ 177,777 | $ 90,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 1,349,000 | $ 224,833 | $ 111,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,622,000 | $ 270,333 | $ 77,000 |
| Boise City-Nampa, ID | 5 | $ 809,000 | $ 161,800 | $ 55,000 |
| Denver-Aurora, CO | 5 | $ 867,000 | $ 173,400 | $ 79,000 |
| Bakersfield, CA | 4 | $ 476,000 | $ 119,000 | $ 63,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 905,000 | $ 226,250 | $ 66,000 |
| Honolulu, HI | 4 | $ 975,000 | $ 243,750 | $ 60,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,287,000 | $ 321,750 | $ 112,000 |
| Visalia-Porterville, CA | 4 | $ 1,097,000 | $ 274,250 | $ 61,000 |
| Modesto, CA | 3 | $ 843,000 | $ 281,000 | $ 100,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 880,000 | $ 293,333 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 574,000 | $ 191,333 | $ 124,000 |
| Madera, CA | 2 | $ 405,000 | $ 202,500 | $ 86,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 877,000 | $ 438,500 | $ 134,000 |
| Orlando-Kissimmee, FL | 2 | $ 463,000 | $ 231,500 | $ 48,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 368,000 | $ 184,000 | $ 49,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 855,000 | $ 427,500 | $ 177,000 |
| Tucson, AZ | 2 | $ 409,000 | $ 204,500 | $ 59,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 517,000 | $ 258,500 | $ 42,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 250,000 | $ 250,000 | $ 59,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 203,000 | $ 203,000 | $ 90,000 |
| El Centro, CA | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 158,000 | $ 158,000 | $ 44,000 |
| Lakeland, FL | 1 | $ 249,000 | $ 249,000 | $ 70,000 |
| Las Vegas-Paradise, NV | 1 | $ 149,000 | $ 149,000 | $ 42,000 |
| Merced, CA | 1 | $ 267,000 | $ 267,000 | $ 105,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 600,000 | $ 600,000 | $ 180,000 |
| Napa, CA | 1 | $ 32,000 | $ 32,000 | $ 54,000 |
| Ocala, FL | 1 | $ 203,000 | $ 203,000 | $ 68,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 528,000 | $ 528,000 | $ 79,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 156,000 | $ 156,000 | $ 31,000 |
| Prescott, AZ | 1 | $ 300,000 | $ 300,000 | $ 58,000 |
| Redding, CA | 1 | $ 252,000 | $ 252,000 | $ 58,000 |
| Salt Lake City, UT | 1 | $ 243,000 | $ 243,000 | $ 71,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 293,000 | $ 293,000 | $ 45,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Santa Barbara-Santa Maria, CA | 1 | $ 300,000 | $ 300,000 | $ 200,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 292,000 | $ 292,000 | $ 111,000 |
| Vallejo-Fairfield, CA | 1 | $ 389,000 | $ 389,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for Lending Capital Home Loans in 2006
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 | 111 | $25,987,000 | $234,000 | $716,000 | $87,000 | $330,000 |
| Home Purchase | 12 | $3,412,000 | $284,000 | $700,000 | $74,000 | $288,000 |
| Home Improvement | 9 | $2,195,000 | $243,000 | $459,000 | $59,000 | $113,000 |
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 | 75 | $17,615,000 | $234,000 | $716,000 | $84,000 | $330,000 |
| Hispanic | 23 | $5,029,000 | $218,000 | $528,000 | $69,000 | $132,000 |
| Black or African American | 15 | $3,237,000 | $215,000 | $459,000 | $79,000 | $167,000 |
| Not Provided | 14 | $4,176,000 | $298,000 | $680,000 | $107,000 | $288,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $785,000 | $261,000 | $360,000 | $73,000 | $82,000 |
| Asian | 2 | $752,000 | $376,000 | $376,000 | $130,000 | $130,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 132 | $31,594,000 | $239,000 | $716,000 | $84,000 | $330,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 Denied By Financial Institution | 73 | $16,901,000 | $231,000 | $716,000 | $78,000 | $330,000 |
| Application Withdrawn By Applicant | 44 | $11,332,000 | $257,000 | $700,000 | $93,000 | $300,000 |
| Loan Originated | 15 | $3,361,000 | $224,000 | $459,000 | $84,000 | $130,000 |
| 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 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,212,000 | $245,000 | $383,000 | $65,000 | $111,000 |
| Other | 7 | $1,577,000 | $225,000 | $540,000 | $93,000 | $137,000 |
| Credit History | 4 | $837,000 | $209,000 | $300,000 | $53,000 | $118,000 |
| Collateral | 1 | $210,000 | $210,000 | $210,000 | $65,000 | $65,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lending Capital Home Loans's 2006 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 Lending Capital Home Loans'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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