Sea Breeze Financial Svcs, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Sea Breeze Financial Svcs, Inc 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Sea Breeze Financial Svcs, Inc 18191 Von Karman Ave #150 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 18,190 |
| Total Mortgage Loan Application Amount | $3,255,466,000 |
| Average Mortgage Loan Application Amount | $162,256 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $82,948 |
| Highest Applicant Income | $6,001,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Sea Breeze Financial Svcs, Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Sea Breeze Financial Svcs, Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Sea Breeze Financial Svcs, Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Sea Breeze Financial Svcs, Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Sea Breeze Financial Svcs, Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Sea Breeze Financial Svcs, Inc's mortgage activity for 2004.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 2,148 | $ 378,738,000 | $ 176,000 | $ 66,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1,721 | $ 405,020,000 | $ 235,000 | $ 99,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 978 | $ 203,359,000 | $ 207,000 | $ 72,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 855 | $ 300,610,000 | $ 351,000 | $ 131,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 600 | $ 118,234,000 | $ 197,000 | $ 74,000 |
| DENVER-AURORA, CO | 558 | $ 105,440,000 | $ 188,000 | $ 62,000 |
| BAKERSFIELD, CA | 471 | $ 56,058,000 | $ 119,000 | $ 56,000 |
| TACOMA, WA | 464 | $ 74,481,000 | $ 160,000 | $ 63,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 428 | $ 110,185,000 | $ 257,000 | $ 109,000 |
| ST. LOUIS, MO-IL | 381 | $ 49,255,000 | $ 129,000 | $ 60,000 |
| FRESNO, CA | 357 | $ 48,876,000 | $ 136,000 | $ 52,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 355 | $ 95,619,000 | $ 269,000 | $ 73,000 |
| KANSAS CITY, MO-KS | 298 | $ 33,076,000 | $ 110,000 | $ 56,000 |
| INDIANAPOLIS, IN | 296 | $ 36,115,000 | $ 122,000 | $ 59,000 |
| SPOKANE, WA | 277 | $ 31,154,000 | $ 112,000 | $ 47,000 |
| STOCKTON, CA | 265 | $ 53,883,000 | $ 203,000 | $ 58,000 |
| VISALIA-PORTERVILLE, CA | 264 | $ 29,543,000 | $ 111,000 | $ 50,000 |
| MODESTO, CA | 201 | $ 36,180,000 | $ 180,000 | $ 68,000 |
| MEMPHIS, TN-MS-AR | 178 | $ 18,728,000 | $ 105,000 | $ 48,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 162 | $ 51,277,000 | $ 316,000 | $ 108,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 162 | $ 21,009,000 | $ 129,000 | $ 53,000 |
| ORLANDO, FL | 153 | $ 21,437,000 | $ 140,000 | $ 53,000 |
| VALLEJO-FAIRFIELD, CA | 150 | $ 37,412,000 | $ 249,000 | $ 80,000 |
| YAKIMA, WA | 148 | $ 17,134,000 | $ 115,000 | $ 45,000 |
| GARY, IN | 146 | $ 16,972,000 | $ 116,000 | $ 58,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 146 | $ 36,185,000 | $ 247,000 | $ 76,000 |
| BREMERTON-SILVERDALE, WA | 144 | $ 24,004,000 | $ 166,000 | $ 66,000 |
| COLORADO SPRINGS, CO | 130 | $ 20,392,000 | $ 156,000 | $ 74,000 |
| KENNEWICK-RICHLAND-PASCO, WA | 128 | $ 15,303,000 | $ 119,000 | $ 48,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 124 | $ 43,105,000 | $ 347,000 | $ 108,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 121 | $ 20,519,000 | $ 169,000 | $ 70,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 109 | $ 16,707,000 | $ 153,000 | $ 55,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 107 | $ 17,317,000 | $ 161,000 | $ 59,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 107 | $ 14,184,000 | $ 132,000 | $ 69,000 |
| OLYMPIA, WA | 103 | $ 16,121,000 | $ 156,000 | $ 58,000 |
| MERCED, CA | 99 | $ 17,015,000 | $ 171,000 | $ 58,000 |
| SPRINGFIELD, MO | 96 | $ 9,443,000 | $ 98,000 | $ 46,000 |
| JACKSONVILLE, FL | 87 | $ 10,085,000 | $ 115,000 | $ 59,000 |
| YUBA CITY, CA | 84 | $ 13,262,000 | $ 157,000 | $ 61,000 |
| GREELEY, CO | 77 | $ 12,782,000 | $ 166,000 | $ 82,000 |
| HANFORD-CORCORAN, CA | 77 | $ 8,312,000 | $ 107,000 | $ 57,000 |
| REDDING, CA | 76 | $ 10,057,000 | $ 132,000 | $ 57,000 |
| BELLINGHAM, WA | 75 | $ 11,755,000 | $ 156,000 | $ 55,000 |
| SANTA ROSA-PETALUMA, CA | 75 | $ 17,190,000 | $ 229,000 | $ 79,000 |
| MADERA, CA | 73 | $ 10,186,000 | $ 139,000 | $ 56,000 |
| PUEBLO, CO | 71 | $ 8,205,000 | $ 115,000 | $ 49,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 70 | $ 12,988,000 | $ 185,000 | $ 59,000 |
| CHICO, CA | 69 | $ 9,637,000 | $ 139,000 | $ 59,000 |
| FORT WAYNE, IN | 69 | $ 7,908,000 | $ 114,000 | $ 57,000 |
| SALINAS, CA | 67 | $ 17,214,000 | $ 256,000 | $ 77,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 66 | $ 7,444,000 | $ 112,000 | $ 47,000 |
| LONGVIEW, WA | 64 | $ 8,259,000 | $ 129,000 | $ 61,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 63 | $ 19,490,000 | $ 309,000 | $ 138,000 |
| KNOXVILLE, TN | 61 | $ 6,260,000 | $ 102,000 | $ 55,000 |
| FORT COLLINS-LOVELAND, CO | 59 | $ 11,736,000 | $ 198,000 | $ 63,000 |
| EL CENTRO, CA | 58 | $ 8,539,000 | $ 147,000 | $ 51,000 |
| GRAND JUNCTION, CO | 58 | $ 8,485,000 | $ 146,000 | $ 50,000 |
| JOPLIN, MO | 58 | $ 5,405,000 | $ 93,000 | $ 55,000 |
| WENATCHEE, WA | 54 | $ 8,040,000 | $ 148,000 | $ 50,000 |
| MOUNT VERNON-ANACORTES, WA | 52 | $ 8,581,000 | $ 165,000 | $ 61,000 |
| TERRE HAUTE, IN | 52 | $ 4,617,000 | $ 88,000 | $ 43,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 47 | $ 5,532,000 | $ 117,000 | $ 46,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 47 | $ 6,290,000 | $ 133,000 | $ 49,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 46 | $ 4,702,000 | $ 102,000 | $ 46,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 44 | $ 9,453,000 | $ 214,000 | $ 87,000 |
| ELKHART-GOSHEN, IN | 43 | $ 4,601,000 | $ 107,000 | $ 55,000 |
| BOULDER, CO | 40 | $ 8,008,000 | $ 200,000 | $ 79,000 |
| EUGENE-SPRINGFIELD, OR | 39 | $ 5,275,000 | $ 135,000 | $ 46,000 |
| ST. JOSEPH, MO-KS | 38 | $ 3,473,000 | $ 91,000 | $ 46,000 |
| SARASOTA-BRADENTON-VENICE, FL | 37 | $ 4,738,000 | $ 128,000 | $ 51,000 |
| ANDERSON, IN | 36 | $ 3,610,000 | $ 100,000 | $ 55,000 |
| EVANSVILLE, IN-KY | 36 | $ 3,611,000 | $ 100,000 | $ 50,000 |
| LAFAYETTE, IN | 31 | $ 3,682,000 | $ 118,000 | $ 53,000 |
| LAKELAND, FL | 30 | $ 3,028,000 | $ 100,000 | $ 85,000 |
| CAPE CORAL-FORT MYERS, FL | 28 | $ 4,442,000 | $ 158,000 | $ 49,000 |
| JEFFERSON CITY, MO | 28 | $ 2,798,000 | $ 99,000 | $ 47,000 |
| BLOOMINGTON, IN | 26 | $ 3,186,000 | $ 122,000 | $ 50,000 |
| COLUMBIA, MO | 25 | $ 2,376,000 | $ 95,000 | $ 55,000 |
| MICHIGAN CITY-LA PORTE, IN | 24 | $ 2,338,000 | $ 97,000 | $ 101,000 |
| NAPA, CA | 24 | $ 8,668,000 | $ 361,000 | $ 92,000 |
| SANTA CRUZ-WATSONVILLE, CA | 24 | $ 6,380,000 | $ 265,000 | $ 90,000 |
| CHATTANOOGA, TN-GA | 23 | $ 2,582,000 | $ 112,000 | $ 54,000 |
| MUNCIE, IN | 23 | $ 2,570,000 | $ 111,000 | $ 50,000 |
| KOKOMO, IN | 22 | $ 3,675,000 | $ 167,000 | $ 73,000 |
| SALEM, OR | 21 | $ 2,944,000 | $ 140,000 | $ 51,000 |
| MEDFORD, OR | 20 | $ 3,512,000 | $ 175,000 | $ 66,000 |
| OCALA, FL | 20 | $ 2,062,000 | $ 103,000 | $ 48,000 |
| PANAMA CITY-LYNN HAVEN, FL | 20 | $ 2,236,000 | $ 111,000 | $ 48,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 19 | $ 2,707,000 | $ 142,000 | $ 46,000 |
| NAPLES-MARCO ISLAND, FL | 18 | $ 3,526,000 | $ 195,000 | $ 84,000 |
| TALLAHASSEE, FL | 18 | $ 2,413,000 | $ 134,000 | $ 81,000 |
| COLUMBUS, IN | 16 | $ 1,728,000 | $ 108,000 | $ 42,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 14 | $ 1,576,000 | $ 112,000 | $ 41,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 12 | $ 1,536,000 | $ 128,000 | $ 58,000 |
| MORRISTOWN, TN | 12 | $ 1,265,000 | $ 105,000 | $ 68,000 |
| JOHNSON CITY, TN | 10 | $ 1,004,000 | $ 100,000 | $ 48,000 |
| PUNTA GORDA, FL | 10 | $ 996,000 | $ 99,000 | $ 44,000 |
| CLARKSVILLE, TN-KY | 9 | $ 774,000 | $ 86,000 | $ 47,000 |
| JACKSON, TN | 9 | $ 980,000 | $ 108,000 | $ 54,000 |
| BEND, OR | 8 | $ 1,483,000 | $ 185,000 | $ 56,000 |
| GAINESVILLE, FL | 7 | $ 775,000 | $ 110,000 | $ 64,000 |
| VERO BEACH, FL | 7 | $ 1,239,000 | $ 177,000 | $ 62,000 |
| CLEVELAND, TN | 6 | $ 598,000 | $ 99,000 | $ 74,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 5 | $ 1,391,000 | $ 278,000 | $ 100,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 4 | $ 382,000 | $ 95,000 | $ 50,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 3 | $ 411,000 | $ 137,000 | $ 61,000 |
| CORVALLIS, OR | 2 | $ 347,000 | $ 173,000 | $ 49,000 |
| LAS VEGAS-PARADISE, NV | 2 | $ 379,000 | $ 189,000 | $ 85,000 |
| NILES-BENTON HARBOR, MI | 2 | $ 128,000 | $ 64,000 | $ 27,000 |
| DALLAS-PLANO-IRVING, TX | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| FLINT, MI | 1 | $ 64,000 | $ 64,000 | $ 26,000 |
| GRAND RAPIDS-WYOMING, MI | 1 | $ 144,000 | $ 144,000 | $ 0 |
| HOLLAND-GRAND HAVEN, MI | 1 | $ 350,000 | $ 350,000 | $ 200,000 |
| HONOLULU, HI | 1 | $ 357,000 | $ 357,000 | $ 216,000 |
| MORGANTOWN, WV | 1 | $ 209,000 | $ 209,000 | $ 38,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1 | $ 114,000 | $ 114,000 | $ 35,000 |
| SPRINGFIELD, IL | 1 | $ 57,000 | $ 57,000 | $ 39,000 |
| VICTORIA, TX | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 1 | $ 139,000 | $ 139,000 | $ 28,000 |
| WICHITA, KS | 1 | $ 180,000 | $ 180,000 | $ 190,000 |
Mortgage Loan Application Detail Totals for Sea Breeze Financial Svcs, Inc 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 |
|---|---|---|---|---|---|---|
| Refinancing | 17,121 | $2,977,359,000 | $129,850 | $2,500,000 | $84,050 | $6,001,000 |
| Home Purchase | 864 | $242,624,000 | $235,545 | $2,000,000 | $92,727 | $1,200,000 |
| Home Improvement | 205 | $35,483,000 | $142,500 | $840,000 | $66,750 | $472,000 |
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 | 8,709 | $1,539,686,000 | $155,052 | $1,750,000 | $90,473 | $1,716,000 |
| Not Provided | 5,725 | $1,038,365,000 | $138,461 | $2,500,000 | $67,000 | $6,001,000 |
| Hispanic | 2,076 | $369,679,000 | $133,500 | $1,309,000 | $56,625 | $616,000 |
| Black or African American | 849 | $135,069,000 | $132,111 | $710,000 | $54,222 | $1,080,000 |
| Asian | 588 | $129,222,000 | $159,500 | $1,404,000 | $69,875 | $690,000 |
| American Indian or Alaskan Native | 190 | $33,492,000 | $142,250 | $680,000 | $73,500 | $387,000 |
| Native Hawaiian or Other Pacific Islander | 53 | $9,953,000 | $140,000 | $570,000 | $65,571 | $545,000 |
| 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) | 18,171 | $3,252,136,000 | $146,227 | $2,500,000 | $89,045 | $6,001,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,978,000 | $175,000 | $271,000 | $57,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 2 | $352,000 | $176,000 | $189,000 | $64,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 11,932 | $2,072,604,000 | $139,562 | $2,500,000 | $68,500 | $6,001,000 |
| Application Denied By Financial Institution | 4,050 | $665,127,000 | $145,000 | $1,800,000 | $85,058 | $1,080,000 |
| Loan Originated | 2,165 | $504,033,000 | $221,700 | $2,000,000 | $85,700 | $1,200,000 |
| Application Withdrawn By Applicant | 42 | $13,543,000 | $258,500 | $1,625,000 | $81,000 | $682,000 |
| File Closed For Incompleteness | 1 | $159,000 | $159,000 | $159,000 | $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 Sea Breeze Financial Svcs, Inc'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 Sea Breeze Financial Svcs, Inc'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.