Sea Breeze Financial Svcs, Inc Mortgage Lending & HMDA Data, 2005
In 2005, Sea Breeze Financial Svcs, Inc of Irvine, CA reported 8,951 mortgage applications totaling $1.8 billion, down 51% from 2004. The average application was for $202,696, and applicants reported an average income of $77,191. 20% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (843), Los Angeles-Long Beach-Glendale, CA (751) and Santa Ana-Anaheim-Irvine, CA (461) (applications in parentheses).
| 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 | 8,951 |
| Total Mortgage Loan Application Amount | $1,814,336,000 |
| Average Mortgage Loan Application Amount | $202,696 |
| Highest Mortgage Loan Application Amount | $3,250,000 |
| Average Applicant Income | $77,191 |
| Highest Applicant Income | $1,865,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sea Breeze Financial Svcs, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 843 | $ 203,093,000 | $ 240,916 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 751 | $ 279,696,000 | $ 372,431 | $ 135,000 |
| Santa Ana-Anaheim-Irvine, CA | 461 | $ 205,039,000 | $ 444,770 | $ 124,000 |
| Seattle-Bellevue-Everett, WA | 303 | $ 64,402,000 | $ 212,547 | $ 70,000 |
| Tampa-St. Petersburg-Clearwater, FL | 267 | $ 36,923,000 | $ 138,288 | $ 64,000 |
| Orlando, FL | 253 | $ 34,920,000 | $ 138,023 | $ 61,000 |
| Denver-Aurora, CO | 247 | $ 50,527,000 | $ 204,562 | $ 79,000 |
| Detroit-Livonia-Dearborn, MI | 207 | $ 23,565,000 | $ 113,840 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 192 | $ 33,984,000 | $ 177,000 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 186 | $ 33,522,000 | $ 180,225 | $ 83,000 |
| Jacksonville, FL | 154 | $ 20,347,000 | $ 132,123 | $ 74,000 |
| San Diego-Carlsbad-San Marcos, CA | 154 | $ 49,545,000 | $ 321,720 | $ 122,000 |
| Portland-Vancouver-Beaverton, OR-WA | 150 | $ 25,376,000 | $ 169,173 | $ 71,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 145 | $ 33,019,000 | $ 227,717 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 142 | $ 25,251,000 | $ 177,823 | $ 97,000 |
| Warren-Farmington Hills-Troy, MI | 132 | $ 21,680,000 | $ 164,242 | $ 118,000 |
| Tacoma, WA | 129 | $ 21,960,000 | $ 170,232 | $ 68,000 |
| St. Louis, MO-IL | 96 | $ 10,010,000 | $ 104,270 | $ 53,000 |
| Fresno, CA | 95 | $ 14,284,000 | $ 150,357 | $ 75,000 |
| Oakland-Fremont-Hayward, CA | 95 | $ 28,451,000 | $ 299,484 | $ 95,000 |
| Nashville-Davidson--Murfreesboro, TN | 93 | $ 12,178,000 | $ 130,946 | $ 65,000 |
| Memphis, TN-MS-AR | 91 | $ 10,416,000 | $ 114,461 | $ 59,000 |
| Bakersfield, CA | 89 | $ 11,999,000 | $ 134,820 | $ 63,000 |
| Spokane, WA | 87 | $ 9,760,000 | $ 112,183 | $ 61,000 |
| Cape Coral-Fort Myers, FL | 72 | $ 11,130,000 | $ 154,583 | $ 63,000 |
| Palm Bay-Melbourne-Titusville, FL | 72 | $ 9,584,000 | $ 133,111 | $ 52,000 |
| Chicago-Naperville-Joliet, IL | 71 | $ 9,689,000 | $ 136,464 | $ 93,000 |
| Kansas City, MO-KS | 70 | $ 8,252,000 | $ 117,885 | $ 60,000 |
| Knoxville, TN | 69 | $ 8,300,000 | $ 120,289 | $ 104,000 |
| Pensacola-Ferry Pass-Brent, FL | 66 | $ 8,492,000 | $ 128,666 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 61 | $ 8,301,000 | $ 136,081 | $ 65,000 |
| Colorado Springs, CO | 58 | $ 11,317,000 | $ 195,120 | $ 57,000 |
| Indianapolis, IN | 58 | $ 6,622,000 | $ 114,172 | $ 70,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 58 | $ 23,058,000 | $ 397,551 | $ 110,000 |
| Sarasota-Bradenton-Venice, FL | 56 | $ 8,876,000 | $ 158,500 | $ 56,000 |
| Visalia-Porterville, CA | 56 | $ 7,541,000 | $ 134,660 | $ 53,000 |
| Port St. Lucie-Fort Pierce, FL | 52 | $ 7,898,000 | $ 151,884 | $ 51,000 |
| San Francisco-San Mateo-Redwood City, CA | 52 | $ 19,047,000 | $ 366,288 | $ 137,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 51 | $ 13,668,000 | $ 268,000 | $ 84,000 |
| Lakeland, FL | 49 | $ 5,682,000 | $ 115,959 | $ 67,000 |
| Kennewick-Richland-Pasco, WA | 47 | $ 6,104,000 | $ 129,872 | $ 68,000 |
| Grand Rapids-Wyoming, MI | 46 | $ 5,722,000 | $ 124,391 | $ 59,000 |
| Olympia, WA | 46 | $ 7,000,000 | $ 152,173 | $ 57,000 |
| Stockton, CA | 45 | $ 10,119,000 | $ 224,866 | $ 91,000 |
| Modesto, CA | 41 | $ 9,242,000 | $ 225,414 | $ 79,000 |
| Eugene-Springfield, OR | 40 | $ 5,734,000 | $ 143,350 | $ 63,000 |
| Salem, OR | 37 | $ 4,902,000 | $ 132,486 | $ 53,000 |
| Yakima, WA | 37 | $ 3,881,000 | $ 104,891 | $ 50,000 |
| Lansing-East Lansing, MI | 35 | $ 4,751,000 | $ 135,742 | $ 54,000 |
| Vallejo-Fairfield, CA | 34 | $ 8,695,000 | $ 255,735 | $ 93,000 |
| Atlanta-Sandy Springs-Marietta, GA | 33 | $ 3,738,000 | $ 113,272 | $ 88,000 |
| Ocala, FL | 32 | $ 3,615,000 | $ 112,968 | $ 41,000 |
| Gary, IN | 30 | $ 3,231,000 | $ 107,700 | $ 61,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 30 | $ 12,616,000 | $ 420,533 | $ 191,000 |
| Santa Rosa-Petaluma, CA | 30 | $ 8,534,000 | $ 284,466 | $ 83,000 |
| Bremerton-Silverdale, WA | 29 | $ 4,804,000 | $ 165,655 | $ 84,000 |
| Tallahassee, FL | 29 | $ 3,752,000 | $ 129,379 | $ 53,000 |
| Flint, MI | 27 | $ 2,856,000 | $ 105,777 | $ 51,000 |
| Redding, CA | 26 | $ 4,625,000 | $ 177,884 | $ 56,000 |
| Greeley, CO | 25 | $ 4,453,000 | $ 178,120 | $ 58,000 |
| Naples-Marco Island, FL | 25 | $ 4,914,000 | $ 196,560 | $ 67,000 |
| Pueblo, CO | 25 | $ 2,632,000 | $ 105,280 | $ 56,000 |
| Merced, CA | 24 | $ 5,298,000 | $ 220,750 | $ 80,000 |
| Chattanooga, TN-GA | 23 | $ 2,386,000 | $ 103,739 | $ 57,000 |
| Fort Collins-Loveland, CO | 23 | $ 4,180,000 | $ 181,739 | $ 80,000 |
| Madera, CA | 23 | $ 3,358,000 | $ 146,000 | $ 51,000 |
| Punta Gorda, FL | 23 | $ 2,913,000 | $ 126,652 | $ 54,000 |
| Fort Walton Beach-Crestview-Destin, FL | 22 | $ 4,497,000 | $ 204,409 | $ 100,000 |
| Longview, WA | 22 | $ 2,560,000 | $ 116,363 | $ 44,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 21 | $ 3,133,000 | $ 149,190 | $ 113,000 |
| Mount Vernon-Anacortes, WA | 21 | $ 3,860,000 | $ 183,809 | $ 79,000 |
| Panama City-Lynn Haven, FL | 21 | $ 2,834,000 | $ 134,952 | $ 62,000 |
| Salinas, CA | 21 | $ 5,297,000 | $ 252,238 | $ 60,000 |
| Springfield, MO | 21 | $ 1,855,000 | $ 88,333 | $ 47,000 |
| Bellingham, WA | 19 | $ 4,105,000 | $ 216,052 | $ 82,000 |
| Fort Wayne, IN | 19 | $ 1,995,000 | $ 105,000 | $ 62,000 |
| Muskegon-Norton Shores, MI | 18 | $ 1,713,000 | $ 95,166 | $ 46,000 |
| San Luis Obispo-Paso Robles, CA | 18 | $ 4,861,000 | $ 270,055 | $ 95,000 |
| Kalamazoo-Portage, MI | 17 | $ 1,464,000 | $ 86,117 | $ 42,000 |
| Kingsport-Bristol-Bristol, TN-VA | 17 | $ 1,779,000 | $ 104,647 | $ 61,000 |
| Vero Beach, FL | 17 | $ 2,277,000 | $ 133,941 | $ 123,000 |
| Santa Cruz-Watsonville, CA | 16 | $ 3,947,000 | $ 246,687 | $ 86,000 |
| Ann Arbor, MI | 15 | $ 2,121,000 | $ 141,400 | $ 63,000 |
| Joplin, MO | 15 | $ 1,225,000 | $ 81,666 | $ 42,000 |
| Medford, OR | 15 | $ 2,749,000 | $ 183,266 | $ 58,000 |
| Saginaw-Saginaw Township North, MI | 15 | $ 1,496,000 | $ 99,733 | $ 56,000 |
| St. Joseph, MO-KS | 15 | $ 1,097,000 | $ 73,133 | $ 57,000 |
| Evansville, IN-KY | 14 | $ 922,000 | $ 65,857 | $ 46,000 |
| Holland-Grand Haven, MI | 14 | $ 1,904,000 | $ 136,000 | $ 43,000 |
| Johnson City, TN | 14 | $ 2,212,000 | $ 158,000 | $ 56,000 |
| Grand Junction, CO | 13 | $ 1,872,000 | $ 144,000 | $ 63,000 |
| Hanford-Corcoran, CA | 13 | $ 1,985,000 | $ 152,692 | $ 66,000 |
| Wenatchee, WA | 13 | $ 2,354,000 | $ 181,076 | $ 65,000 |
| Boulder, CO | 12 | $ 3,220,000 | $ 268,333 | $ 62,000 |
| Chico, CA | 12 | $ 1,985,000 | $ 165,416 | $ 60,000 |
| Cleveland, TN | 12 | $ 1,379,000 | $ 114,916 | $ 91,000 |
| Michigan City-La Porte, IN | 11 | $ 988,000 | $ 89,818 | $ 50,000 |
| Morristown, TN | 11 | $ 1,078,000 | $ 98,000 | $ 38,000 |
| Niles-Benton Harbor, MI | 11 | $ 1,199,000 | $ 109,000 | $ 42,000 |
| Bend, OR | 10 | $ 1,619,000 | $ 161,900 | $ 61,000 |
| El Centro, CA | 10 | $ 1,393,000 | $ 139,300 | $ 42,000 |
| Monroe, MI | 10 | $ 1,371,000 | $ 137,100 | $ 72,000 |
| Napa, CA | 10 | $ 3,087,000 | $ 308,700 | $ 133,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 1,565,000 | $ 173,888 | $ 121,000 |
| Terre Haute, IN | 9 | $ 786,000 | $ 87,333 | $ 41,000 |
| Yuba City, CA | 9 | $ 1,446,000 | $ 160,666 | $ 50,000 |
| Battle Creek, MI | 8 | $ 661,000 | $ 82,625 | $ 38,000 |
| Gainesville, FL | 8 | $ 1,040,000 | $ 130,000 | $ 43,000 |
| Jackson, TN | 8 | $ 626,000 | $ 78,250 | $ 47,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 677,000 | $ 84,625 | $ 49,000 |
| Clarksville, TN-KY | 7 | $ 600,000 | $ 85,714 | $ 48,000 |
| Corvallis, OR | 6 | $ 867,000 | $ 144,500 | $ 46,000 |
| Elkhart-Goshen, IN | 6 | $ 753,000 | $ 125,500 | $ 59,000 |
| Lafayette, IN | 6 | $ 526,000 | $ 87,666 | $ 72,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 596,000 | $ 119,200 | $ 58,000 |
| Duluth, MN-WI | 5 | $ 267,000 | $ 53,400 | $ 35,000 |
| Jackson, MI | 5 | $ 660,000 | $ 132,000 | $ 60,000 |
| Anderson, IN | 4 | $ 339,000 | $ 84,750 | $ 64,000 |
| Bay City, MI | 4 | $ 598,000 | $ 149,500 | $ 35,000 |
| Columbia, MO | 4 | $ 507,000 | $ 126,750 | $ 33,000 |
| Columbus, IN | 4 | $ 317,000 | $ 79,250 | $ 47,000 |
| Albany, GA | 3 | $ 235,000 | $ 78,333 | $ 57,000 |
| Bloomington, IN | 3 | $ 191,000 | $ 63,666 | $ 23,000 |
| Jefferson City, MO | 3 | $ 230,000 | $ 76,666 | $ 47,000 |
| Kokomo, IN | 3 | $ 289,000 | $ 96,333 | $ 81,000 |
| Peoria, IL | 3 | $ 224,000 | $ 74,666 | $ 34,000 |
| Athens-Clarke County, GA | 2 | $ 204,000 | $ 102,000 | $ 37,000 |
| Columbus, GA-AL | 2 | $ 85,000 | $ 42,500 | $ 72,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 147,000 | $ 73,500 | $ 42,000 |
| Kankakee-Bradley, IL | 2 | $ 178,000 | $ 89,000 | $ 51,000 |
| Macon, GA | 2 | $ 165,000 | $ 82,500 | $ 57,000 |
| Muncie, IN | 2 | $ 147,000 | $ 73,500 | $ 46,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,167,000 | $ 583,500 | $ 510,000 |
| Rochester, MN | 2 | $ 221,000 | $ 110,500 | $ 53,000 |
| Gainesville, GA | 1 | $ 108,000 | $ 108,000 | $ 76,000 |
| Honolulu, HI | 1 | $ 720,000 | $ 720,000 | $ 153,000 |
| Las Vegas-Paradise, NV | 1 | $ 170,000 | $ 170,000 | $ 12,000 |
| Mobile, AL | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Rockford, IL | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Savannah, GA | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Warner Robins, GA | 1 | $ 168,000 | $ 168,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Sea Breeze Financial Svcs, Inc 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 |
|---|---|---|---|---|---|---|
| Refinancing | 7,639 | $1,411,146,000 | $242,352 | $2,650,000 | $97,294 | $1,865,000 |
| Home Purchase | 1,272 | $397,926,000 | $166,133 | $3,250,000 | $103,600 | $1,754,000 |
| Home Improvement | 40 | $5,264,000 | $115,500 | $335,000 | $60,000 | $186,000 |
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 | 6,662 | $1,308,889,000 | $222,058 | $3,250,000 | $95,588 | $1,865,000 |
| Hispanic | 1,432 | $322,514,000 | $132,538 | $1,500,000 | $58,307 | $1,022,000 |
| Black or African American | 411 | $65,508,000 | $126,727 | $2,650,000 | $60,454 | $480,000 |
| Asian | 314 | $88,209,000 | $188,333 | $1,900,000 | $106,583 | $1,308,000 |
| Not Provided | 74 | $18,381,000 | $157,000 | $1,245,000 | $68,555 | $370,000 |
| Native Hawaiian or Other Pacific Islander | 38 | $7,709,000 | $164,666 | $750,000 | $69,888 | $276,000 |
| American Indian or Alaskan Native | 20 | $3,126,000 | $142,500 | $323,000 | $78,666 | $276,000 |
| 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) | 8,946 | $1,813,301,000 | $205,166 | $3,250,000 | $92,166 | $1,865,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,035,000 | $207,000 | $246,000 | $41,000 | $62,000 |
| 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 Withdrawn By Applicant | 5,831 | $978,482,000 | $184,812 | $3,250,000 | $65,437 | $1,560,000 |
| Loan Originated | 1,800 | $557,339,000 | $157,500 | $2,445,000 | $101,071 | $1,754,000 |
| Application Denied By Financial Institution | 1,146 | $202,939,000 | $179,714 | $2,650,000 | $71,785 | $1,865,000 |
| Application Approved But Not Accepted | 163 | $69,354,000 | $710,500 | $2,000,000 | $524,000 | $951,000 |
| File Closed For Incompleteness | 11 | $6,222,000 | $565,000 | $1,594,000 | $148,000 | $428,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $7,732,000 | $515,000 | $2,650,000 | $84,000 | $205,000 |
| Collateral | 12 | $5,486,000 | $457,000 | $1,170,000 | $128,000 | $370,000 |
| Other | 7 | $5,634,000 | $804,000 | $1,885,000 | $213,000 | $420,000 |
| Debt-To-Income Ratio | 5 | $2,663,000 | $532,000 | $1,900,000 | $187,000 | $382,000 |
| Unverifiable Information | 3 | $650,000 | $216,000 | $330,000 | $157,000 | $208,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sea Breeze Financial Svcs, Inc'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 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.
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