Soma Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Soma Financial 2005 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 | Soma Financial 871 Coronado Henderson, NV 89052 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,174 |
| Total Mortgage Loan Application Amount | $701,462,000 |
| Average Mortgage Loan Application Amount | $205,540 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $115,891 |
| Highest Applicant Income | $5,764,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Soma Financial. 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 Soma Financial's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Soma Financial'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 Soma Financial serves its applicants.
Each category highlights the total number of mortgage applications processed by Soma Financial, 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 Soma Financial's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark County Nevada | 1,374 | $ 277,421,000 | $ 201,000 | $ 158,000 |
| Washoe County Nevada | 524 | $ 107,997,000 | $ 206,000 | $ 64,000 |
| Riverside County California | 216 | $ 54,016,000 | $ 250,000 | $ 120,000 |
| Los Angeles County California | 150 | $ 46,768,000 | $ 311,000 | $ 121,000 |
| Maricopa County Arizona | 127 | $ 21,902,000 | $ 172,000 | $ 110,000 |
| San Diego County California | 79 | $ 27,152,000 | $ 343,000 | $ 121,000 |
| Salt Lake County Utah | 65 | $ 11,268,000 | $ 173,000 | $ 92,000 |
| San Bernardino County California | 56 | $ 13,375,000 | $ 238,000 | $ 89,000 |
| Orange County California | 42 | $ 19,010,000 | $ 452,000 | $ 185,000 |
| Maui County Hawaii | 39 | $ 11,856,000 | $ 304,000 | $ 195,000 |
| Lyon County Nevada | 32 | $ 4,939,000 | $ 154,000 | $ 84,000 |
| Utah County Utah | 32 | $ 4,746,000 | $ 148,000 | $ 110,000 |
| Washington County Utah | 19 | $ 3,540,000 | $ 186,000 | $ 85,000 |
| El Paso County Colorado | 17 | $ 1,849,000 | $ 108,000 | $ 87,000 |
| Sacramento County California | 16 | $ 5,036,000 | $ 314,000 | $ 132,000 |
| Carson City County Nevada | 16 | $ 3,300,000 | $ 206,000 | $ 99,000 |
| Contra Costa County California | 15 | $ 5,103,000 | $ 340,000 | $ 110,000 |
| San Francisco County California | 15 | $ 7,606,000 | $ 507,000 | $ 191,000 |
| Pinal County Arizona | 13 | $ 1,758,000 | $ 135,000 | $ 125,000 |
| Santa Clara County California | 13 | $ 5,493,000 | $ 422,000 | $ 172,000 |
| Nye County Nevada | 12 | $ 1,729,000 | $ 144,000 | $ 54,000 |
| Alameda County California | 11 | $ 4,405,000 | $ 400,000 | $ 167,000 |
| San Joaquin County California | 9 | $ 2,366,000 | $ 262,000 | $ 85,000 |
| Honolulu County Hawaii | 9 | $ 3,795,000 | $ 421,000 | $ 383,000 |
| Mohave County Arizona | 8 | $ 1,256,000 | $ 157,000 | $ 81,000 |
| Pima County Arizona | 8 | $ 928,000 | $ 116,000 | $ 133,000 |
| San Mateo County California | 8 | $ 2,689,000 | $ 336,000 | $ 163,000 |
| Stanislaus County California | 8 | $ 2,534,000 | $ 316,000 | $ 165,000 |
| Snohomish County Washington | 8 | $ 1,326,000 | $ 165,000 | $ 106,000 |
| Kern County California | 7 | $ 1,088,000 | $ 155,000 | $ 66,000 |
| Monterey County California | 7 | $ 1,393,000 | $ 199,000 | $ 96,000 |
| Davis County Utah | 7 | $ 1,167,000 | $ 166,000 | $ 122,000 |
| Weber County Utah | 7 | $ 836,000 | $ 119,000 | $ 48,000 |
| Yuma County Arizona | 5 | $ 911,000 | $ 182,000 | $ 195,000 |
| El Dorado County California | 5 | $ 2,293,000 | $ 458,000 | $ 129,000 |
| Solano County California | 5 | $ 1,921,000 | $ 384,000 | $ 138,000 |
| Churchill County Nevada | 5 | $ 675,000 | $ 135,000 | $ 69,000 |
| Storey County Nevada | 5 | $ 1,084,000 | $ 216,000 | $ 104,000 |
| Clackamas County Oregon | 5 | $ 909,000 | $ 181,000 | $ 188,000 |
| Iron County Utah | 5 | $ 656,000 | $ 131,000 | $ 88,000 |
| Sublette County Wyoming | 5 | $ 1,131,000 | $ 226,000 | $ 180,000 |
| Calaveras County California | 4 | $ 1,143,000 | $ 285,000 | $ 67,000 |
| Escambia County Florida | 4 | $ 738,000 | $ 184,000 | $ 121,000 |
| Summit County Ohio | 4 | $ 416,000 | $ 104,000 | $ 114,000 |
| Curry County Oregon | 4 | $ 1,201,000 | $ 300,000 | $ 80,000 |
| Harris County Texas | 4 | $ 306,000 | $ 76,000 | $ 65,000 |
| King County Washington | 4 | $ 1,166,000 | $ 291,000 | $ 109,000 |
| Uinta County Wyoming | 4 | $ 456,000 | $ 114,000 | $ 99,000 |
| Colusa County California | 3 | $ 521,000 | $ 173,000 | $ 156,000 |
| Fresno County California | 3 | $ 662,000 | $ 220,000 | $ 342,000 |
| Imperial County California | 3 | $ 398,000 | $ 132,000 | $ 36,000 |
| Placer County California | 3 | $ 1,512,000 | $ 504,000 | $ 171,000 |
| Tulare County California | 3 | $ 555,000 | $ 185,000 | $ 64,000 |
| Kauai County Hawaii | 3 | $ 716,000 | $ 238,000 | $ 86,000 |
| Ada County Idaho | 3 | $ 590,000 | $ 196,000 | $ 411,000 |
| Pierce County Washington | 3 | $ 393,000 | $ 131,000 | $ 119,000 |
| Coconino County Arizona | 2 | $ 432,000 | $ 216,000 | $ 53,000 |
| Lake County California | 2 | $ 321,000 | $ 160,000 | $ 149,000 |
| Napa County California | 2 | $ 1,196,000 | $ 598,000 | $ 480,000 |
| Plumas County California | 2 | $ 260,000 | $ 130,000 | $ 36,000 |
| Sierra County California | 2 | $ 203,000 | $ 101,000 | $ 96,000 |
| Sonoma County California | 2 | $ 733,000 | $ 366,000 | $ 100,000 |
| Ventura County California | 2 | $ 615,000 | $ 307,000 | $ 56,000 |
| Montrose County Colorado | 2 | $ 323,000 | $ 161,000 | $ 117,000 |
| Okaloosa County Florida | 2 | $ 561,000 | $ 280,000 | $ 151,000 |
| Orange County Florida | 2 | $ 336,000 | $ 168,000 | $ 84,000 |
| Hawaii County Hawaii | 2 | $ 336,000 | $ 168,000 | $ 43,000 |
| Jerome County Idaho | 2 | $ 198,000 | $ 99,000 | $ 132,000 |
| Howard County Maryland | 2 | $ 275,000 | $ 137,000 | $ 108,000 |
| Montgomery County Maryland | 2 | $ 561,000 | $ 280,000 | $ 65,000 |
| Oakland County Michigan | 2 | $ 501,000 | $ 250,000 | $ 144,000 |
| Jackson County Missouri | 2 | $ 139,000 | $ 69,000 | $ 43,000 |
| Flathead County Montana | 2 | $ 478,000 | $ 239,000 | $ 105,000 |
| Lincoln County Montana | 2 | $ 211,000 | $ 105,000 | $ 228,000 |
| Douglas County Nevada | 2 | $ 585,000 | $ 292,000 | $ 78,000 |
| Elko County Nevada | 2 | $ 225,000 | $ 112,000 | $ 74,000 |
| Humboldt County Nevada | 2 | $ 217,000 | $ 108,000 | $ 64,000 |
| Cuyahoga County Ohio | 2 | $ 195,000 | $ 97,000 | $ 44,000 |
| Multnomah County Oregon | 2 | $ 381,000 | $ 190,000 | $ 74,000 |
| Duchesne County Utah | 2 | $ 150,000 | $ 75,000 | $ 42,000 |
| Kane County Utah | 2 | $ 588,000 | $ 294,000 | $ 705,000 |
| Summit County Utah | 2 | $ 592,000 | $ 296,000 | $ 112,000 |
| Tooele County Utah | 2 | $ 279,000 | $ 139,000 | $ 47,000 |
| Sweetwater County Wyoming | 2 | $ 320,000 | $ 160,000 | $ 86,000 |
| Anchorage County Alaska | 1 | $ 237,000 | $ 237,000 | $ 69,000 |
| Fairbanks North Star County Alaska | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Apache County Arizona | 1 | $ 89,000 | $ 89,000 | $ 102,000 |
| Graham County Arizona | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
| Navajo County Arizona | 1 | $ 88,000 | $ 88,000 | $ 109,000 |
| Yavapai County Arizona | 1 | $ 161,000 | $ 161,000 | $ 168,000 |
| Amador County California | 1 | $ 232,000 | $ 232,000 | $ 144,000 |
| Madera County California | 1 | $ 265,000 | $ 265,000 | $ 128,000 |
| Shasta County California | 1 | $ 257,000 | $ 257,000 | $ 95,000 |
| Tuolumne County California | 1 | $ 184,000 | $ 184,000 | $ 60,000 |
| Adams County Colorado | 1 | $ 204,000 | $ 204,000 | $ 85,000 |
| Jefferson County Colorado | 1 | $ 142,000 | $ 142,000 | $ 63,000 |
| Montezuma County Colorado | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Brevard County Florida | 1 | $ 137,000 | $ 137,000 | $ 40,000 |
| Collier County Florida | 1 | $ 203,000 | $ 203,000 | $ 54,000 |
| Highlands County Florida | 1 | $ 128,000 | $ 128,000 | $ 57,000 |
| Lee County Florida | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Pinellas County Florida | 1 | $ 123,000 | $ 123,000 | $ 30,000 |
| Polk County Florida | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Santa Rosa County Florida | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Seminole County Florida | 1 | $ 200,000 | $ 200,000 | $ 119,000 |
| Volusia County Florida | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Canyon County Idaho | 1 | $ 136,000 | $ 136,000 | $ 39,000 |
| Douglas County Kansas | 1 | $ 99,000 | $ 99,000 | $ 48,000 |
| Sedgwick County Kansas | 1 | $ 112,000 | $ 112,000 | $ 28,000 |
| Orleans County Louisiana | 1 | $ 779,000 | $ 779,000 | $ 245,000 |
| Baltimore City County Maryland | 1 | $ 57,000 | $ 57,000 | $ 208,000 |
| Barton County Missouri | 1 | $ 104,000 | $ 104,000 | $ 57,000 |
| Greene County Missouri | 1 | $ 59,000 | $ 59,000 | $ 33,000 |
| Ray County Missouri | 1 | $ 232,000 | $ 232,000 | $ 99,000 |
| Warren County Missouri | 1 | $ 116,000 | $ 116,000 | $ 39,000 |
| Deer Lodge County Montana | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Lewis and Clark County Montana | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| Lancaster County Nebraska | 1 | $ 207,000 | $ 207,000 | $ 83,000 |
| Lander County Nevada | 1 | $ 63,000 | $ 63,000 | $ 18,000 |
| White Pine County Nevada | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Greene County Ohio | 1 | $ 218,000 | $ 218,000 | $ 92,000 |
| Lake County Ohio | 1 | $ 212,000 | $ 212,000 | $ 70,000 |
| Licking County Ohio | 1 | $ 157,000 | $ 157,000 | $ 47,000 |
| Medina County Ohio | 1 | $ 274,000 | $ 274,000 | $ 114,000 |
| Baker County Oregon | 1 | $ 68,000 | $ 68,000 | $ 72,000 |
| Benton County Oregon | 1 | $ 216,000 | $ 216,000 | $ 81,000 |
| Crook County Oregon | 1 | $ 306,000 | $ 306,000 | $ 116,000 |
| Deschutes County Oregon | 1 | $ 650,000 | $ 650,000 | $ 199,000 |
| Josephine County Oregon | 1 | $ 110,000 | $ 110,000 | $ 480,000 |
| Klamath County Oregon | 1 | $ 114,000 | $ 114,000 | $ 66,000 |
| Union County Oregon | 1 | $ 81,000 | $ 81,000 | $ 122,000 |
| Washington County Oregon | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Cache County Utah | 1 | $ 234,000 | $ 234,000 | $ 112,000 |
| Garfield County Utah | 1 | $ 44,000 | $ 44,000 | $ 53,000 |
| Grand County Utah | 1 | $ 277,000 | $ 277,000 | $ 74,000 |
| Rich County Utah | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Sanpete County Utah | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Clark County Washington | 1 | $ 381,000 | $ 381,000 | $ 83,000 |
| Thurston County Washington | 1 | $ 230,000 | $ 230,000 | $ 41,000 |
| Natrona County Wyoming | 1 | $ 105,000 | $ 105,000 | $ 13,000 |
| Washakie County Wyoming | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Soma Financial 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,612 | $322,336,000 | $207,388 | $2,000,000 | $142,888 | $1,800,000 |
| Refinancing | 1,561 | $378,918,000 | $203,555 | $1,722,000 | $92,055 | $5,764,000 |
| Home Improvement | 1 | $208,000 | $208,000 | $208,000 | $59,000 | $59,000 |
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 | 1,778 | $391,928,000 | $192,421 | $2,000,000 | $118,894 | $1,800,000 |
| Hispanic | 644 | $133,432,000 | $210,909 | $1,532,000 | $96,727 | $4,998,000 |
| Asian | 280 | $67,166,000 | $179,000 | $976,000 | $190,714 | $5,764,000 |
| Not Provided | 184 | $44,659,000 | $277,500 | $863,000 | $121,250 | $664,000 |
| Black or African American | 135 | $29,337,000 | $187,363 | $790,000 | $83,636 | $246,000 |
| Native Hawaiian or Other Pacific Islander | 87 | $17,920,000 | $222,250 | $1,722,000 | $115,750 | $600,000 |
| Not applicable | 47 | $11,579,000 | $177,333 | $650,000 | $176,666 | $564,000 |
| American Indian or Alaskan Native | 19 | $5,441,000 | $378,000 | $1,009,000 | $210,000 | $712,000 |
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) | 3,162 | $699,335,000 | $210,095 | $2,000,000 | $118,095 | $5,764,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,127,000 | $187,000 | $238,000 | $53,500 | $67,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 2,358 | $511,908,000 | $213,000 | $1,400,000 | $104,714 | $5,764,000 |
| Application Approved But Not Accepted | 354 | $80,659,000 | $170,714 | $1,009,000 | $98,571 | $496,000 |
| Application Denied By Financial Institution | 190 | $46,604,000 | $205,200 | $2,000,000 | $167,700 | $1,487,000 |
| Application Withdrawn By Applicant | 141 | $32,862,000 | $199,800 | $1,532,000 | $176,200 | $4,998,000 |
| File Closed For Incompleteness | 131 | $29,429,000 | $175,375 | $1,000,000 | $180,375 | $1,800,000 |
| 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 | 44 | $12,955,000 | $248,000 | $1,722,000 | $106,250 | $480,000 |
| Debt-To-Income Ratio | 37 | $6,016,000 | $136,428 | $528,000 | $96,000 | $208,000 |
| Other | 34 | $9,558,000 | $249,000 | $1,408,000 | $457,500 | $1,487,000 |
| Credit Application Incomplete | 33 | $6,216,000 | $181,750 | $653,000 | $93,000 | $300,000 |
| Collateral | 22 | $6,018,000 | $253,833 | $782,000 | $129,000 | $219,000 |
| Unverifiable Information | 15 | $4,959,000 | $666,500 | $2,000,000 | $400,750 | $1,260,000 |
| Employment History | 5 | $882,000 | $169,333 | $344,000 | $104,000 | $300,000 |
| 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 Soma Financial'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 Soma Financial'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 Nevada, download the full spreadsheet
with aggregated HMDA statistics today.