Shasta Financial Services, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Shasta Financial Services, Inc 2003 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 | Shasta Financial Services, Inc 8359 Elk Grove Florin Road Suite 103-357 Sacramento, CA 95829 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2003 |
| Total Number of Mortgage Applications | 2,210 |
| Total Mortgage Loan Application Amount | $470,385,000 |
| Average Mortgage Loan Application Amount | $210,291 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $147,333 |
| Highest Applicant Income | $2,827,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Shasta Financial Services, 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 Shasta Financial Services, Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Shasta Financial Services, 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 Shasta Financial Services, Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Shasta Financial Services, 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 Shasta Financial Services, Inc's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 535 | $ 128,673,000 | $ 240,000 | $ 146,000 |
| San Bernardino County California | 132 | $ 15,681,000 | $ 118,000 | $ 117,000 |
| Clark County Nevada | 130 | $ 22,880,000 | $ 176,000 | $ 134,000 |
| San Diego County California | 119 | $ 29,654,000 | $ 249,000 | $ 208,000 |
| Riverside County California | 104 | $ 16,844,000 | $ 161,000 | $ 95,000 |
| Orange County California | 90 | $ 32,711,000 | $ 363,000 | $ 236,000 |
| Sacramento County California | 90 | $ 14,483,000 | $ 160,000 | $ 82,000 |
| Maricopa County Arizona | 64 | $ 7,285,000 | $ 113,000 | $ 188,000 |
| Alameda County California | 53 | $ 13,881,000 | $ 261,000 | $ 139,000 |
| Pierce County Washington | 43 | $ 8,382,000 | $ 194,000 | $ 195,000 |
| Kern County California | 42 | $ 5,195,000 | $ 123,000 | $ 83,000 |
| Santa Clara County California | 37 | $ 15,282,000 | $ 413,000 | $ 160,000 |
| King County Washington | 25 | $ 4,705,000 | $ 188,000 | $ 93,000 |
| Bell County Texas | 23 | $ 3,369,000 | $ 146,000 | $ 197,000 |
| Contra Costa County California | 22 | $ 7,616,000 | $ 346,000 | $ 108,000 |
| San Joaquin County California | 22 | $ 3,526,000 | $ 160,000 | $ 88,000 |
| El Paso County Colorado | 22 | $ 5,576,000 | $ 253,000 | $ 145,000 |
| Arapahoe County Colorado | 21 | $ 2,106,000 | $ 100,000 | $ 96,000 |
| Harris County Texas | 21 | $ 3,743,000 | $ 178,000 | $ 125,000 |
| Salt Lake County Utah | 21 | $ 4,424,000 | $ 210,000 | $ 167,000 |
| Travis County Texas | 20 | $ 5,945,000 | $ 297,000 | $ 239,000 |
| Dallas County Texas | 19 | $ 3,563,000 | $ 187,000 | $ 156,000 |
| Adams County Washington | 19 | $ 2,545,000 | $ 133,000 | $ 113,000 |
| Pima County Arizona | 18 | $ 2,323,000 | $ 129,000 | $ 137,000 |
| San Mateo County California | 17 | $ 10,953,000 | $ 644,000 | $ 369,000 |
| Solano County California | 14 | $ 4,305,000 | $ 307,000 | $ 124,000 |
| Spokane County Washington | 14 | $ 3,733,000 | $ 266,000 | $ 154,000 |
| Ventura County California | 13 | $ 2,680,000 | $ 206,000 | $ 80,000 |
| Clark County Washington | 13 | $ 2,179,000 | $ 167,000 | $ 167,000 |
| Fresno County California | 12 | $ 1,499,000 | $ 124,000 | $ 116,000 |
| Pinellas County Florida | 12 | $ 1,363,000 | $ 113,000 | $ 116,000 |
| Utah County Utah | 12 | $ 1,890,000 | $ 157,000 | $ 90,000 |
| Shasta County California | 11 | $ 1,200,000 | $ 109,000 | $ 81,000 |
| Douglas County Colorado | 11 | $ 3,981,000 | $ 361,000 | $ 194,000 |
| San Francisco County California | 10 | $ 7,575,000 | $ 757,000 | $ 208,000 |
| Denver County Colorado | 10 | $ 1,798,000 | $ 179,000 | $ 66,000 |
| Maui County Hawaii | 10 | $ 2,686,000 | $ 268,000 | $ 243,000 |
| Merced County California | 9 | $ 996,000 | $ 110,000 | $ 154,000 |
| Stanislaus County California | 9 | $ 1,633,000 | $ 181,000 | $ 102,000 |
| Orange County Florida | 9 | $ 1,353,000 | $ 150,000 | $ 119,000 |
| Skagit County Washington | 9 | $ 1,022,000 | $ 113,000 | $ 185,000 |
| Yolo County California | 8 | $ 4,137,000 | $ 517,000 | $ 41,000 |
| Pinal County Arizona | 7 | $ 624,000 | $ 89,000 | $ 110,000 |
| Napa County California | 7 | $ 1,320,000 | $ 188,000 | $ 112,000 |
| Placer County California | 7 | $ 1,865,000 | $ 266,000 | $ 91,000 |
| Tulare County California | 7 | $ 435,000 | $ 62,000 | $ 194,000 |
| Pueblo County Colorado | 7 | $ 1,667,000 | $ 238,000 | $ 122,000 |
| Broward County Florida | 7 | $ 1,151,000 | $ 164,000 | $ 165,000 |
| Honolulu County Hawaii | 7 | $ 1,473,000 | $ 210,000 | $ 198,000 |
| Taos County New Mexico | 7 | $ 1,302,000 | $ 186,000 | $ 78,000 |
| Deschutes County Oregon | 7 | $ 1,231,000 | $ 175,000 | $ 86,000 |
| Bexar County Texas | 7 | $ 2,093,000 | $ 299,000 | $ 172,000 |
| Davis County Utah | 7 | $ 612,000 | $ 87,000 | $ 71,000 |
| Clackamas County Oregon | 6 | $ 874,000 | $ 145,000 | $ 434,000 |
| Snohomish County Washington | 6 | $ 1,070,000 | $ 178,000 | $ 56,000 |
| Santa Cruz County California | 5 | $ 1,123,000 | $ 224,000 | $ 154,000 |
| Siskiyou County California | 5 | $ 728,000 | $ 145,000 | $ 70,000 |
| Sonoma County California | 5 | $ 1,010,000 | $ 202,000 | $ 147,000 |
| Adams County Colorado | 5 | $ 895,000 | $ 179,000 | $ 97,000 |
| Hillsborough County Florida | 5 | $ 924,000 | $ 184,000 | $ 94,000 |
| Churchill County Nevada | 5 | $ 336,000 | $ 67,000 | $ 81,000 |
| Multnomah County Oregon | 5 | $ 747,000 | $ 149,000 | $ 344,000 |
| Jefferson County Texas | 5 | $ 471,000 | $ 94,000 | $ 70,000 |
| Tarrant County Texas | 5 | $ 576,000 | $ 115,000 | $ 90,000 |
| Kitsap County Washington | 5 | $ 886,000 | $ 177,000 | $ 91,000 |
| Imperial County California | 4 | $ 437,000 | $ 109,000 | $ 90,000 |
| Monterey County California | 4 | $ 926,000 | $ 231,000 | $ 215,000 |
| Alachua County Florida | 4 | $ 453,000 | $ 113,000 | $ 64,000 |
| Valley County Idaho | 4 | $ 702,000 | $ 175,000 | $ 44,000 |
| Baker County Oregon | 4 | $ 383,000 | $ 95,000 | $ 58,000 |
| Jackson County Oregon | 4 | $ 463,000 | $ 115,000 | $ 279,000 |
| Yakima County Washington | 4 | $ 528,000 | $ 132,000 | $ 88,000 |
| Madera County California | 3 | $ 755,000 | $ 251,000 | $ 39,000 |
| Mariposa County California | 3 | $ 773,000 | $ 257,000 | $ 72,000 |
| Santa Barbara County California | 3 | $ 1,119,000 | $ 373,000 | $ 111,000 |
| Jefferson County Colorado | 3 | $ 538,000 | $ 179,000 | $ 80,000 |
| Palm Beach County Florida | 3 | $ 272,000 | $ 90,000 | $ 456,000 |
| Jefferson County Idaho | 3 | $ 194,000 | $ 64,000 | $ 56,000 |
| Marion County Oregon | 3 | $ 250,000 | $ 83,000 | $ 72,000 |
| Washington County Oregon | 3 | $ 475,000 | $ 158,000 | $ 126,000 |
| Yamhill County Oregon | 3 | $ 273,000 | $ 91,000 | $ 61,000 |
| El Paso County Texas | 3 | $ 388,000 | $ 129,000 | $ 229,000 |
| Gregg County Texas | 3 | $ 494,000 | $ 164,000 | $ 171,000 |
| Washington County Utah | 3 | $ 210,000 | $ 70,000 | $ 106,000 |
| Franklin County Washington | 3 | $ 400,000 | $ 133,000 | $ 142,000 |
| Lewis County Washington | 3 | $ 400,000 | $ 133,000 | $ 112,000 |
| San Juan County Washington | 3 | $ 519,000 | $ 173,000 | $ 103,000 |
| Coconino County Arizona | 2 | $ 55,000 | $ 27,000 | $ 94,000 |
| Santa Cruz County Arizona | 2 | $ 702,000 | $ 351,000 | $ 79,000 |
| Butte County California | 2 | $ 156,000 | $ 78,000 | $ 10,000 |
| Calaveras County California | 2 | $ 400,000 | $ 200,000 | $ 168,000 |
| El Dorado County California | 2 | $ 354,000 | $ 177,000 | $ 102,000 |
| Nevada County California | 2 | $ 180,000 | $ 90,000 | $ 79,000 |
| Archuleta County Colorado | 2 | $ 337,000 | $ 168,000 | $ 70,000 |
| Delta County Colorado | 2 | $ 162,000 | $ 81,000 | $ 54,000 |
| Larimer County Colorado | 2 | $ 1,153,000 | $ 576,000 | $ 164,000 |
| Mesa County Colorado | 2 | $ 815,000 | $ 407,000 | $ 600,000 |
| Bay County Florida | 2 | $ 346,000 | $ 173,000 | $ 42,000 |
| Duval County Florida | 2 | $ 231,000 | $ 115,000 | $ 62,000 |
| Escambia County Florida | 2 | $ 82,000 | $ 41,000 | $ 146,000 |
| Miami-Dade County Florida | 2 | $ 763,000 | $ 381,000 | $ 227,000 |
| Osceola County Florida | 2 | $ 505,000 | $ 252,000 | $ 122,000 |
| Seminole County Florida | 2 | $ 213,000 | $ 106,000 | $ 53,000 |
| Blaine County Idaho | 2 | $ 281,000 | $ 140,000 | $ 78,000 |
| Bonneville County Idaho | 2 | $ 295,000 | $ 147,000 | $ 86,000 |
| Madison County Idaho | 2 | $ 1,680,000 | $ 840,000 | $ 291,000 |
| Nye County Nevada | 2 | $ 651,000 | $ 325,000 | $ 123,000 |
| San Miguel County New Mexico | 2 | $ 602,000 | $ 301,000 | $ 188,000 |
| Clatsop County Oregon | 2 | $ 87,000 | $ 43,000 | $ 40,000 |
| Columbia County Oregon | 2 | $ 1,335,000 | $ 667,000 | $ 48,000 |
| Fort Bend County Texas | 2 | $ 385,000 | $ 192,000 | $ 122,000 |
| Lee County Texas | 2 | $ 301,000 | $ 150,000 | $ 118,000 |
| Williamson County Texas | 2 | $ 375,000 | $ 187,000 | $ 0 |
| Summit County Utah | 2 | $ 377,000 | $ 188,000 | $ 106,000 |
| Asotin County Washington | 2 | $ 180,000 | $ 90,000 | $ 157,000 |
| Yavapai County Arizona | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Humboldt County California | 1 | $ 260,000 | $ 260,000 | $ 74,000 |
| Kings County California | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Boulder County Colorado | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Clear Creek County Colorado | 1 | $ 169,000 | $ 169,000 | $ 189,000 |
| Elbert County Colorado | 1 | $ 500,000 | $ 500,000 | $ 2,827,000 |
| Garfield County Colorado | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Brevard County Florida | 1 | $ 209,000 | $ 209,000 | $ 72,000 |
| Collier County Florida | 1 | $ 49,000 | $ 49,000 | $ 154,000 |
| Hernando County Florida | 1 | $ 129,000 | $ 129,000 | $ 94,000 |
| Jefferson County Florida | 1 | $ 161,000 | $ 161,000 | $ 60,000 |
| Lee County Florida | 1 | $ 93,000 | $ 93,000 | $ 71,000 |
| Nassau County Florida | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Polk County Florida | 1 | $ 101,000 | $ 101,000 | $ 90,000 |
| Sarasota County Florida | 1 | $ 53,000 | $ 53,000 | $ 54,000 |
| Volusia County Florida | 1 | $ 89,000 | $ 89,000 | $ 75,000 |
| Hawaii County Hawaii | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Ada County Idaho | 1 | $ 126,000 | $ 126,000 | $ 67,000 |
| Twin Falls County Idaho | 1 | $ 59,000 | $ 59,000 | $ 121,000 |
| Lyon County Nevada | 1 | $ 70,000 | $ 70,000 | $ 61,000 |
| Bernalillo County New Mexico | 1 | $ 24,000 | $ 24,000 | $ 123,000 |
| San Juan County New Mexico | 1 | $ 21,000 | $ 21,000 | $ 104,000 |
| Sandoval County New Mexico | 1 | $ 48,000 | $ 48,000 | $ 114,000 |
| Douglas County Oregon | 1 | $ 21,000 | $ 21,000 | $ 36,000 |
| Josephine County Oregon | 1 | $ 133,000 | $ 133,000 | $ 53,000 |
| Lane County Oregon | 1 | $ 128,000 | $ 128,000 | $ 114,000 |
| Burleson County Texas | 1 | $ 158,000 | $ 158,000 | $ 96,000 |
| Burnet County Texas | 1 | $ 38,000 | $ 38,000 | $ 66,000 |
| Deaf Smith County Texas | 1 | $ 132,000 | $ 132,000 | $ 71,000 |
| Denton County Texas | 1 | $ 70,000 | $ 70,000 | $ 90,000 |
| Donley County Texas | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Erath County Texas | 1 | $ 292,000 | $ 292,000 | $ 84,000 |
| Kaufman County Texas | 1 | $ 158,000 | $ 158,000 | $ 276,000 |
| Lamar County Texas | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Montgomery County Texas | 1 | $ 52,000 | $ 52,000 | $ 45,000 |
| Nueces County Texas | 1 | $ 213,000 | $ 213,000 | $ 307,000 |
| Parker County Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Sabine County Texas | 1 | $ 480,000 | $ 480,000 | $ 384,000 |
| Cache County Utah | 1 | $ 608,000 | $ 608,000 | $ 276,000 |
| San Juan County Utah | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Weber County Utah | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Benton County Washington | 1 | $ 76,000 | $ 76,000 | $ 90,000 |
| Grays Harbor County Washington | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Mason County Washington | 1 | $ 73,000 | $ 73,000 | $ 106,000 |
| Stevens County Washington | 1 | $ 120,000 | $ 120,000 | $ 98,000 |
| Whatcom County Washington | 1 | $ 111,000 | $ 111,000 | $ 42,000 |
| Whitman County Washington | 1 | $ 504,000 | $ 504,000 | $ 212,000 |
Mortgage Loan Application Detail Totals for Shasta Financial Services, Inc in 2003
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 (one-to-four family) | 1,679 | $314,136,000 | $155,833 | $4,000,000 | $132,500 | $2,250,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 531 | $156,249,000 | $264,750 | $2,925,000 | $162,166 | $2,827,000 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| White | 793 | $168,128,000 | $190,500 | $2,950,000 | $171,416 | $2,827,000 |
| Hispanic | 555 | $89,992,000 | $156,166 | $959,000 | $95,583 | $1,333,000 |
| Information not provided by applicant in mail or telephone application | 372 | $106,071,000 | $221,545 | $4,000,000 | $145,363 | $2,250,000 |
| Black | 294 | $55,610,000 | $141,909 | $1,820,000 | $128,000 | $665,000 |
| Asian or Pacific Islander | 173 | $45,107,000 | $181,400 | $2,000,000 | $91,800 | $1,080,000 |
| American Indian or Alaskan Native | 17 | $3,779,000 | $172,500 | $860,000 | $99,000 | $264,000 |
| Other | 6 | $1,698,000 | $239,666 | $1,000,000 | $212,666 | $900,000 |
| 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) | 2,210 | $470,385,000 | $184,750 | $4,000,000 | $142,583 | $2,827,000 |
| 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 Approved But Not Accepted | 1,057 | $244,600,000 | $198,583 | $2,925,000 | $171,166 | $1,894,000 |
| Loan Originated | 739 | $125,394,000 | $136,083 | $1,000,000 | $125,000 | $2,827,000 |
| Application Denied By Financial Institution | 243 | $74,112,000 | $295,000 | $4,000,000 | $149,333 | $2,731,000 |
| Application Withdrawn By Applicant | 154 | $23,147,000 | $119,333 | $4,000,000 | $102,583 | $2,250,000 |
| File Closed For Incompleteness | 17 | $3,132,000 | $164,500 | $675,000 | $65,250 | $218,000 |
| Loan Purchased By The 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 | 108 | $35,477,000 | $264,500 | $4,000,000 | $131,100 | $2,731,000 |
| Collateral | 45 | $9,076,000 | $270,125 | $900,000 | $84,000 | $480,000 |
| Other | 36 | $15,767,000 | $901,375 | $2,950,000 | $256,000 | $720,000 |
| Debt-To-Income Ratio | 15 | $3,340,000 | $246,666 | $492,000 | $77,000 | $234,000 |
| Employment History | 8 | $2,258,000 | $241,333 | $1,000,000 | $106,000 | $300,000 |
| Unverifiable Information | 3 | $613,000 | $168,500 | $531,000 | $262,500 | $732,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $26,000 | $26,000 | $26,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shasta Financial Services, Inc's 2003 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 Shasta Financial Services, 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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