Home Funding Corporation Mortgage Lending & HMDA Data, 2021
In 2021, Home Funding Corporation of Rancho Cucamonga, CA reported 583 mortgage applications totaling $180.7 million, down 3% from 2020. The average application was for $310,025, and applicants reported an average income of $85,583. 74% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (212), Riverside-San Bernardino-Ontario, CA (165) and Los Angeles-Long Beach-Glendale, CA (48) (applications in parentheses).
| Mortgage Company & Address | Home Funding Corporation 10718 Civic Center Drive Rancho Cucamonga, CA 91730 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 583 |
| Total Mortgage Loan Application Amount | $180,745,000 |
| Average Mortgage Loan Application Amount | $310,025 |
| Highest Mortgage Loan Application Amount | $1,665,000 |
| Average Applicant Income | $85,583 |
| Highest Applicant Income | $702,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Funding Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark, Nevada | 212 | $ 54,510,000 | $ 257,122 | $ 73,000 |
| San Bernardino, California | 120 | $ 36,460,000 | $ 303,833 | $ 88,000 |
| Los Angeles, California | 47 | $ 21,285,000 | $ 452,872 | $ 109,000 |
| Riverside, California | 45 | $ 16,305,000 | $ 362,333 | $ 109,000 |
| Arapahoe, Colorado | 14 | $ 5,840,000 | $ 417,142 | $ 108,000 |
| Pierce, Washington | 10 | $ 4,290,000 | $ 429,000 | $ 81,000 |
| Orange, California | 7 | $ 2,925,000 | $ 417,857 | $ 110,000 |
| Gwinnett, Georgia | 7 | $ 1,825,000 | $ 260,714 | $ 64,000 |
| Cook, Illinois | 7 | $ 1,905,000 | $ 272,142 | $ 112,000 |
| Kitsap, Washington | 7 | $ 2,355,000 | $ 336,428 | $ 76,000 |
| Kern, California | 6 | $ 1,540,000 | $ 256,666 | $ 76,000 |
| San Diego, California | 6 | $ 2,980,000 | $ 496,666 | $ 107,000 |
| Alameda, California | 5 | $ 2,055,000 | $ 411,000 | $ 52,000 |
| Contra Costa, California | 5 | $ 1,715,000 | $ 343,000 | $ 78,000 |
| Miami-Dade, Florida | 5 | $ 1,385,000 | $ 277,000 | $ 75,000 |
| Cobb, Georgia | 5 | $ 1,015,000 | $ 203,000 | $ 82,000 |
| Newton, Georgia | 4 | $ 800,000 | $ 200,000 | $ 74,000 |
| King, Washington | 4 | $ 1,260,000 | $ 315,000 | $ 66,000 |
| Fresno, California | 3 | $ 635,000 | $ 211,666 | $ 70,000 |
| San Francisco, California | 3 | $ 1,025,000 | $ 341,666 | $ 86,000 |
| San Joaquin, California | 3 | $ 1,025,000 | $ 341,666 | $ 61,000 |
| Denver, Colorado | 3 | $ 1,335,000 | $ 445,000 | $ 144,000 |
| St. Bernard, Louisiana | 3 | $ 695,000 | $ 231,666 | $ 69,000 |
| Snohomish, Washington | 3 | $ 1,105,000 | $ 368,333 | $ 92,000 |
| Sacramento, California | 2 | $ 580,000 | $ 290,000 | $ 59,000 |
| Santa Barbara, California | 2 | $ 690,000 | $ 345,000 | $ 105,000 |
| Stanislaus, California | 2 | $ 500,000 | $ 250,000 | $ 83,000 |
| Ventura, California | 2 | $ 820,000 | $ 410,000 | $ 80,000 |
| Barrow, Georgia | 2 | $ 460,000 | $ 230,000 | $ 58,000 |
| DeKalb, Georgia | 2 | $ 300,000 | $ 150,000 | $ 39,000 |
| Forsyth, Georgia | 2 | $ 840,000 | $ 420,000 | $ 234,000 |
| Will, Illinois | 2 | $ 430,000 | $ 215,000 | $ 80,000 |
| Eddy, New Mexico | 2 | $ 530,000 | $ 265,000 | $ 132,000 |
| Imperial, California | 1 | $ 225,000 | $ 225,000 | $ 40,000 |
| Mono, California | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| Monterey, California | 1 | $ 755,000 | $ 755,000 | $ 189,000 |
| Napa, California | 1 | $ 555,000 | $ 555,000 | $ 107,000 |
| San Luis Obispo, California | 1 | $ 105,000 | $ 105,000 | $ 166,000 |
| San Mateo, California | 1 | $ 595,000 | $ 595,000 | $ 147,000 |
| Sonoma, California | 1 | $ 495,000 | $ 495,000 | $ 118,000 |
| Yuba, California | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| El Paso, Colorado | 1 | $ 345,000 | $ 345,000 | $ 199,000 |
| Broward, Florida | 1 | $ 405,000 | $ 405,000 | $ 176,000 |
| Osceola, Florida | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Carroll, Georgia | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Clayton, Georgia | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Dawson, Georgia | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Hall, Georgia | 1 | $ 145,000 | $ 145,000 | $ 26,000 |
| Henry, Georgia | 1 | $ 545,000 | $ 545,000 | $ 281,000 |
| Morgan, Georgia | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Paulding, Georgia | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Walton, Georgia | 1 | $ 175,000 | $ 175,000 | $ 30,000 |
| Nye, Nevada | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Burlington, New Jersey | 1 | $ 245,000 | $ 245,000 | $ 0 |
| San Jacinto, Texas | 1 | $ 305,000 | $ 305,000 | $ 76,000 |
| Taylor, Texas | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Mason, Washington | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Thurston, Washington | 1 | $ 405,000 | $ 405,000 | $ 68,000 |
| Whatcom, Washington | 1 | $ 415,000 | $ 415,000 | $ 60,000 |
| Yakima, Washington | 1 | $ 135,000 | $ 135,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for Home Funding Corporation in 2021
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 | 236 | $79,820,000 | $338,000 | $1,665,000 | $87,000 | $702,000 |
| Cash-out Refinancing | 190 | $57,030,000 | $300,000 | $855,000 | $81,000 | $281,000 |
| Refinancing | 157 | $43,895,000 | $279,000 | $795,000 | $89,000 | $675,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 290 | $82,400,000 | $284,000 | $1,665,000 | $75,000 | $702,000 |
| White | 131 | $43,055,000 | $328,000 | $975,000 | $101,000 | $406,000 |
| Black or African American | 76 | $23,890,000 | $314,000 | $1,095,000 | $97,000 | $575,000 |
| Asian | 65 | $23,955,000 | $368,000 | $795,000 | $90,000 | $246,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,725,000 | $345,000 | $405,000 | $89,000 | $132,000 |
| American Indian or Alaskan Native | 3 | $1,145,000 | $381,000 | $665,000 | $89,000 | $153,000 |
| Not Provided | 3 | $805,000 | $268,000 | $405,000 | $30,000 | $56,000 |
| 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) | 422 | $126,430,000 | $299,000 | $1,665,000 | $90,000 | $702,000 |
| FHA-insured (Federal Housing Administration) | 144 | $48,410,000 | $336,000 | $1,095,000 | $77,000 | $278,000 |
| VA-guaranteed (Veterans Administration) | 14 | $5,270,000 | $376,000 | $975,000 | $66,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $635,000 | $211,000 | $345,000 | $62,000 | $73,000 |
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 | 429 | $131,175,000 | $305,000 | $1,095,000 | $84,000 | $675,000 |
| Application Withdrawn By Applicant | 89 | $32,255,000 | $362,000 | $1,665,000 | $95,000 | $702,000 |
| File Closed For Incompleteness | 32 | $8,790,000 | $274,000 | $595,000 | $92,000 | $281,000 |
| Application Denied By Financial Institution | 20 | $5,160,000 | $258,000 | $485,000 | $57,000 | $122,000 |
| Application Approved But Not Accepted | 12 | $3,080,000 | $256,000 | $415,000 | $111,000 | $246,000 |
| Loan Purchased By The Institution | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 563 | $175,585,000 | $311,000 | $1,665,000 | $87,000 | $702,000 |
| Debt-To-Income Ratio | 9 | $2,405,000 | $267,000 | $425,000 | $46,000 | $105,000 |
| Credit History | 8 | $2,030,000 | $253,000 | $405,000 | $57,000 | $87,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $122,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $485,000 | $485,000 | $485,000 | $79,000 | $79,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Funding Corporation's 2021 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 Home Funding Corporation'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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