Steward Financial, Inc. Mortgage Lending & HMDA Data, 2003
In 2003, Steward Financial, Inc. of Carlsbad, CA reported 3,673 mortgage applications totaling $585.1 million. The average application was for $159,300, and applicants reported an average income of $65,787. 22% of its applications resulted in an originated loan and 39% were denied. Its largest markets were Los Angeles-Long Beach, CA (427), Minneapolis-St. Paul, MN-WI (203) and Chicago, IL (201) (applications in parentheses).
| Mortgage Company & Address | Steward Financial, Inc. 1808 Aston Avenue, Suite 230 Carlsbad, CA 92008 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,673 |
| Total Mortgage Loan Application Amount | $585,110,000 |
| Average Mortgage Loan Application Amount | $159,300 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $65,787 |
| Highest Applicant Income | $3,791,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Steward Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 427 | $ 78,334,000 | $ 183,451 | $ 74,000 |
| Cook, Illinois | 170 | $ 26,551,000 | $ 156,182 | $ 48,000 |
| San Diego, California | 150 | $ 26,795,000 | $ 178,633 | $ 73,000 |
| Clark, Nevada | 137 | $ 21,801,000 | $ 159,131 | $ 79,000 |
| Orange, California | 113 | $ 21,118,000 | $ 186,884 | $ 114,000 |
| Miami-Dade, Florida | 107 | $ 19,866,000 | $ 185,663 | $ 60,000 |
| Broward, Florida | 105 | $ 13,781,000 | $ 131,247 | $ 46,000 |
| Sacramento, California | 87 | $ 12,187,000 | $ 140,080 | $ 56,000 |
| Contra Costa, California | 84 | $ 17,953,000 | $ 213,726 | $ 77,000 |
| Hennepin, Minnesota | 81 | $ 11,745,000 | $ 145,000 | $ 46,000 |
| Maricopa, Arizona | 73 | $ 9,174,000 | $ 125,671 | $ 56,000 |
| Riverside, California | 73 | $ 12,474,000 | $ 170,876 | $ 76,000 |
| San Bernardino, California | 73 | $ 10,803,000 | $ 147,986 | $ 79,000 |
| Alameda, California | 63 | $ 15,901,000 | $ 252,396 | $ 95,000 |
| Palm Beach, Florida | 55 | $ 5,561,000 | $ 101,109 | $ 57,000 |
| Santa Clara, California | 51 | $ 12,856,000 | $ 252,078 | $ 111,000 |
| King, Washington | 51 | $ 10,072,000 | $ 197,490 | $ 81,000 |
| Worcester, Massachusetts | 48 | $ 6,858,000 | $ 142,875 | $ 42,000 |
| Orange, Florida | 37 | $ 4,038,000 | $ 109,135 | $ 51,000 |
| El Paso, Colorado | 34 | $ 3,903,000 | $ 114,794 | $ 62,000 |
| Anoka, Minnesota | 32 | $ 4,013,000 | $ 125,406 | $ 64,000 |
| Stanislaus, California | 29 | $ 5,299,000 | $ 182,724 | $ 91,000 |
| Arapahoe, Colorado | 29 | $ 3,531,000 | $ 121,758 | $ 83,000 |
| Douglas, Colorado | 28 | $ 4,895,000 | $ 174,821 | $ 68,000 |
| Prince George's, Maryland | 28 | $ 3,688,000 | $ 131,714 | $ 35,000 |
| Hillsborough, Florida | 27 | $ 2,661,000 | $ 98,555 | $ 73,000 |
| Ramsey, Minnesota | 26 | $ 2,365,000 | $ 90,961 | $ 42,000 |
| Jefferson, Colorado | 24 | $ 3,540,000 | $ 147,500 | $ 84,000 |
| Middlesex, Massachusetts | 24 | $ 4,794,000 | $ 199,750 | $ 98,000 |
| Plymouth, Massachusetts | 24 | $ 4,296,000 | $ 179,000 | $ 37,000 |
| San Joaquin, California | 23 | $ 3,718,000 | $ 161,652 | $ 48,000 |
| Suffolk, Massachusetts | 23 | $ 5,026,000 | $ 218,521 | $ 69,000 |
| Pima, Arizona | 22 | $ 2,549,000 | $ 115,863 | $ 36,000 |
| Hampden, Massachusetts | 22 | $ 1,387,000 | $ 63,045 | $ 43,000 |
| Adams, Colorado | 21 | $ 3,369,000 | $ 160,428 | $ 30,000 |
| Dakota, Minnesota | 21 | $ 2,550,000 | $ 121,428 | $ 74,000 |
| San Mateo, California | 20 | $ 4,725,000 | $ 236,250 | $ 55,000 |
| Solano, California | 20 | $ 4,659,000 | $ 232,950 | $ 117,000 |
| Denver, Colorado | 20 | $ 3,164,000 | $ 158,200 | $ 71,000 |
| Pierce, Washington | 20 | $ 2,593,000 | $ 129,650 | $ 63,000 |
| Kern, California | 19 | $ 1,559,000 | $ 82,052 | $ 71,000 |
| Duval, Florida | 19 | $ 1,149,000 | $ 60,473 | $ 59,000 |
| Lee, Florida | 18 | $ 1,326,000 | $ 73,666 | $ 45,000 |
| Sarasota, Florida | 16 | $ 3,779,000 | $ 236,187 | $ 214,000 |
| Anchorage, Alaska | 15 | $ 2,347,000 | $ 156,466 | $ 122,000 |
| Ventura, California | 15 | $ 2,903,000 | $ 193,533 | $ 92,000 |
| Bristol, Massachusetts | 15 | $ 1,719,000 | $ 114,600 | $ 73,000 |
| San Francisco, California | 14 | $ 4,507,000 | $ 321,928 | $ 101,000 |
| Hartford, Connecticut | 14 | $ 1,431,000 | $ 102,214 | $ 61,000 |
| Essex, Massachusetts | 14 | $ 3,486,000 | $ 249,000 | $ 69,000 |
| Norfolk, Massachusetts | 14 | $ 2,670,000 | $ 190,714 | $ 24,000 |
| Multnomah, Oregon | 14 | $ 1,264,000 | $ 90,285 | $ 41,000 |
| Fresno, California | 13 | $ 1,286,000 | $ 98,923 | $ 56,000 |
| Fairfield, Connecticut | 13 | $ 2,359,000 | $ 181,461 | $ 39,000 |
| Flathead, Montana | 13 | $ 1,660,000 | $ 127,692 | $ 20,000 |
| Placer, California | 12 | $ 2,512,000 | $ 209,333 | $ 86,000 |
| Sonoma, California | 12 | $ 1,812,000 | $ 151,000 | $ 46,000 |
| Pinellas, Florida | 12 | $ 972,000 | $ 81,000 | $ 41,000 |
| Scott, Minnesota | 12 | $ 2,584,000 | $ 215,333 | $ 77,000 |
| St. Louis, Missouri | 12 | $ 1,801,000 | $ 150,083 | $ 97,000 |
| Washoe, Nevada | 12 | $ 774,000 | $ 64,500 | $ 37,000 |
| Bernalillo, New Mexico | 12 | $ 908,000 | $ 75,666 | $ 46,000 |
| Tulsa, Oklahoma | 12 | $ 1,007,000 | $ 83,916 | $ 16,000 |
| Volusia, Florida | 11 | $ 1,544,000 | $ 140,363 | $ 38,000 |
| New Haven, Connecticut | 10 | $ 920,000 | $ 92,000 | $ 39,000 |
| Osceola, Florida | 10 | $ 3,030,000 | $ 303,000 | $ 46,000 |
| Yavapai, Arizona | 9 | $ 668,000 | $ 74,222 | $ 78,000 |
| Monterey, California | 9 | $ 1,859,000 | $ 206,555 | $ 53,000 |
| Manatee, Florida | 9 | $ 558,000 | $ 62,000 | $ 31,000 |
| Will, Illinois | 9 | $ 1,492,000 | $ 165,777 | $ 88,000 |
| Jefferson, Kentucky | 9 | $ 557,000 | $ 61,888 | $ 8,000 |
| Jackson, Missouri | 9 | $ 752,000 | $ 83,555 | $ 37,000 |
| Santa Barbara, California | 8 | $ 1,344,000 | $ 168,000 | $ 61,000 |
| Monroe, Florida | 8 | $ 2,191,000 | $ 273,875 | $ 93,000 |
| Pasco, Florida | 8 | $ 950,000 | $ 118,750 | $ 42,000 |
| Montgomery, Maryland | 8 | $ 1,827,000 | $ 228,375 | $ 16,000 |
| Washington, Minnesota | 8 | $ 904,000 | $ 113,000 | $ 45,000 |
| Marin, California | 7 | $ 2,669,000 | $ 381,285 | $ 59,000 |
| San Luis Obispo, California | 7 | $ 1,603,000 | $ 229,000 | $ 58,000 |
| Eagle, Colorado | 7 | $ 738,000 | $ 105,428 | $ 35,000 |
| Brevard, Florida | 7 | $ 555,000 | $ 79,285 | $ 97,000 |
| St. Johns, Florida | 7 | $ 1,112,000 | $ 158,857 | $ 186,000 |
| DuPage, Illinois | 7 | $ 1,233,000 | $ 176,142 | $ 92,000 |
| St. Charles, Missouri | 7 | $ 569,000 | $ 81,285 | $ 43,000 |
| Clackamas, Oregon | 7 | $ 868,000 | $ 124,000 | $ 78,000 |
| Clark, Washington | 7 | $ 623,000 | $ 89,000 | $ 42,000 |
| Snohomish, Washington | 7 | $ 794,000 | $ 113,428 | $ 60,000 |
| Mobile, Alabama | 6 | $ 504,000 | $ 84,000 | $ 19,000 |
| El Dorado, California | 6 | $ 794,000 | $ 132,333 | $ 33,000 |
| Weld, Colorado | 6 | $ 724,000 | $ 120,666 | $ 87,000 |
| Collier, Florida | 6 | $ 1,674,000 | $ 279,000 | $ 54,000 |
| Polk, Florida | 6 | $ 542,000 | $ 90,333 | $ 30,000 |
| Lake, Illinois | 6 | $ 437,000 | $ 72,833 | $ 44,000 |
| Carver, Minnesota | 6 | $ 701,000 | $ 116,833 | $ 88,000 |
| Chisago, Minnesota | 6 | $ 391,000 | $ 65,166 | $ 14,000 |
| St. Louis City, Missouri | 6 | $ 1,144,000 | $ 190,666 | $ 91,000 |
| Cowlitz, Washington | 6 | $ 886,000 | $ 147,666 | $ 95,000 |
| Yakima, Washington | 6 | $ 2,351,000 | $ 391,833 | $ 40,000 |
| Napa, California | 5 | $ 1,034,000 | $ 206,800 | $ 166,000 |
| Pueblo, Colorado | 5 | $ 640,000 | $ 128,000 | $ 57,000 |
| Seminole, Florida | 5 | $ 461,000 | $ 92,200 | $ 29,000 |
| St. Lucie, Florida | 5 | $ 746,000 | $ 149,200 | $ 52,000 |
| Barnstable, Massachusetts | 5 | $ 1,737,000 | $ 347,400 | $ 104,000 |
| Wright, Minnesota | 5 | $ 544,000 | $ 108,800 | $ 15,000 |
| Gage, Nebraska | 5 | $ 289,000 | $ 57,800 | $ 30,000 |
| Linn, Oregon | 5 | $ 387,000 | $ 77,400 | $ 19,000 |
| Salt Lake, Utah | 5 | $ 1,005,000 | $ 201,000 | $ 90,000 |
| Jefferson, Alabama | 4 | $ 214,000 | $ 53,500 | $ 13,000 |
| San Benito, California | 4 | $ 535,000 | $ 133,750 | $ 98,000 |
| Santa Cruz, California | 4 | $ 1,013,000 | $ 253,250 | $ 35,000 |
| Shasta, California | 4 | $ 229,000 | $ 57,250 | $ 73,000 |
| Montezuma, Colorado | 4 | $ 395,000 | $ 98,750 | $ 26,000 |
| Litchfield, Connecticut | 4 | $ 869,000 | $ 217,250 | $ 126,000 |
| Butts, Georgia | 4 | $ 532,000 | $ 133,000 | $ 84,000 |
| Kane, Illinois | 4 | $ 1,047,000 | $ 261,750 | $ 21,000 |
| Kankakee, Illinois | 4 | $ 356,000 | $ 89,000 | $ 45,000 |
| Hardin, Kentucky | 4 | $ 404,000 | $ 101,000 | $ 17,000 |
| Anne Arundel, Maryland | 4 | $ 470,000 | $ 117,500 | $ 24,000 |
| Baltimore City, Maryland | 4 | $ 281,000 | $ 70,250 | $ 41,000 |
| Queen Anne's, Maryland | 4 | $ 1,606,000 | $ 401,500 | $ 0 |
| Sherburne, Minnesota | 4 | $ 700,000 | $ 175,000 | $ 0 |
| Clay, Missouri | 4 | $ 377,000 | $ 94,250 | $ 53,000 |
| Ravalli, Montana | 4 | $ 1,115,000 | $ 278,750 | $ 48,000 |
| Lancaster, Nebraska | 4 | $ 253,000 | $ 63,250 | $ 44,000 |
| Osage, Oklahoma | 4 | $ 411,000 | $ 102,750 | $ 57,000 |
| Pinal, Arizona | 3 | $ 186,000 | $ 62,000 | $ 92,000 |
| Imperial, California | 3 | $ 265,000 | $ 88,333 | $ 42,000 |
| Nevada, California | 3 | $ 469,000 | $ 156,333 | $ 75,000 |
| Yolo, California | 3 | $ 505,000 | $ 168,333 | $ 49,000 |
| Elbert, Colorado | 3 | $ 227,000 | $ 75,666 | $ 28,000 |
| Fremont, Colorado | 3 | $ 321,000 | $ 107,000 | $ 0 |
| Park, Colorado | 3 | $ 382,000 | $ 127,333 | $ 199,000 |
| Citrus, Florida | 3 | $ 203,000 | $ 67,666 | $ 0 |
| Hernando, Florida | 3 | $ 164,000 | $ 54,666 | $ 85,000 |
| Leon, Florida | 3 | $ 442,000 | $ 147,333 | $ 120,000 |
| Santa Rosa, Florida | 3 | $ 229,000 | $ 76,333 | $ 90,000 |
| Kendall, Illinois | 3 | $ 231,000 | $ 77,000 | $ 43,000 |
| Kenton, Kentucky | 3 | $ 445,000 | $ 148,333 | $ 78,000 |
| Baltimore, Maryland | 3 | $ 293,000 | $ 97,666 | $ 41,000 |
| McLeod, Minnesota | 3 | $ 358,000 | $ 119,333 | $ 10,000 |
| Steele, Minnesota | 3 | $ 352,000 | $ 117,333 | $ 24,000 |
| Platte, Missouri | 3 | $ 365,000 | $ 121,666 | $ 54,000 |
| Sarpy, Nebraska | 3 | $ 138,000 | $ 46,000 | $ 24,000 |
| Lane, Oregon | 3 | $ 272,000 | $ 90,666 | $ 23,000 |
| Prince William, Virginia | 3 | $ 475,000 | $ 158,333 | $ 35,000 |
| DeKalb, Alabama | 2 | $ 72,000 | $ 36,000 | $ 19,000 |
| Matanuska-Susitna, Alaska | 2 | $ 256,000 | $ 128,000 | $ 119,000 |
| Butte, California | 2 | $ 345,000 | $ 172,500 | $ 96,000 |
| Calaveras, California | 2 | $ 119,000 | $ 59,500 | $ 41,000 |
| Madera, California | 2 | $ 128,000 | $ 64,000 | $ 39,000 |
| Mariposa, California | 2 | $ 151,000 | $ 75,500 | $ 55,000 |
| Merced, California | 2 | $ 511,000 | $ 255,500 | $ 75,000 |
| Siskiyou, California | 2 | $ 144,000 | $ 72,000 | $ 66,000 |
| Sutter, California | 2 | $ 230,000 | $ 115,000 | $ 116,000 |
| Tuolumne, California | 2 | $ 286,000 | $ 143,000 | $ 38,000 |
| Boulder, Colorado | 2 | $ 327,000 | $ 163,500 | $ 83,000 |
| Clear Creek, Colorado | 2 | $ 178,000 | $ 89,000 | $ 85,000 |
| Gilpin, Colorado | 2 | $ 622,000 | $ 311,000 | $ 283,000 |
| Larimer, Colorado | 2 | $ 185,000 | $ 92,500 | $ 54,000 |
| Mesa, Colorado | 2 | $ 125,000 | $ 62,500 | $ 54,000 |
| Indian River, Florida | 2 | $ 323,000 | $ 161,500 | $ 150,000 |
| Lake, Florida | 2 | $ 273,000 | $ 136,500 | $ 18,000 |
| Okaloosa, Florida | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Suwannee, Florida | 2 | $ 84,000 | $ 42,000 | $ 25,000 |
| Cherokee, Georgia | 2 | $ 261,000 | $ 130,500 | $ 228,000 |
| Douglas, Georgia | 2 | $ 119,000 | $ 59,500 | $ 126,000 |
| Jefferson, Idaho | 2 | $ 186,000 | $ 93,000 | $ 45,000 |
| Jo Daviess, Illinois | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Madison, Illinois | 2 | $ 119,000 | $ 59,500 | $ 48,000 |
| McHenry, Illinois | 2 | $ 236,000 | $ 118,000 | $ 72,000 |
| Monroe, Illinois | 2 | $ 110,000 | $ 55,000 | $ 31,000 |
| St. Clair, Illinois | 2 | $ 967,000 | $ 483,500 | $ 60,000 |
| Boone, Kentucky | 2 | $ 139,000 | $ 69,500 | $ 50,000 |
| Montgomery, Kentucky | 2 | $ 132,000 | $ 66,000 | $ 264,000 |
| Woodford, Kentucky | 2 | $ 145,000 | $ 72,500 | $ 0 |
| Harford, Maryland | 2 | $ 205,000 | $ 102,500 | $ 0 |
| Washington, Maryland | 2 | $ 184,000 | $ 92,000 | $ 48,000 |
| Beltrami, Minnesota | 2 | $ 125,000 | $ 62,500 | $ 0 |
| Goodhue, Minnesota | 2 | $ 181,000 | $ 90,500 | $ 96,000 |
| Isanti, Minnesota | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Lake, Minnesota | 2 | $ 179,000 | $ 89,500 | $ 76,000 |
| Meeker, Minnesota | 2 | $ 119,000 | $ 59,500 | $ 0 |
| Olmsted, Minnesota | 2 | $ 219,000 | $ 109,500 | $ 0 |
| Cass, Missouri | 2 | $ 150,000 | $ 75,000 | $ 72,000 |
| Morgan, Missouri | 2 | $ 120,000 | $ 60,000 | $ 2,000 |
| Newton, Missouri | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Lyon, Nevada | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Nye, Nevada | 2 | $ 74,000 | $ 37,000 | $ 0 |
| Rockingham, New Hampshire | 2 | $ 274,000 | $ 137,000 | $ 62,000 |
| Santa Fe, New Mexico | 2 | $ 1,135,000 | $ 567,500 | $ 0 |
| Taos, New Mexico | 2 | $ 207,000 | $ 103,500 | $ 362,000 |
| Kings, New York | 2 | $ 816,000 | $ 408,000 | $ 0 |
| Jackson, Oregon | 2 | $ 280,000 | $ 140,000 | $ 24,000 |
| Marion, Oregon | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Washington, Oregon | 2 | $ 318,000 | $ 159,000 | $ 0 |
| Providence, Rhode Island | 2 | $ 489,000 | $ 244,500 | $ 82,000 |
| Utah, Utah | 2 | $ 870,000 | $ 435,000 | $ 0 |
| Weber, Utah | 2 | $ 136,000 | $ 68,000 | $ 47,000 |
| Loudoun, Virginia | 2 | $ 460,000 | $ 230,000 | $ 113,000 |
| Benton, Washington | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Grays Harbor, Washington | 2 | $ 250,000 | $ 125,000 | $ 180,000 |
| Skagit, Washington | 2 | $ 154,000 | $ 77,000 | $ 87,000 |
| Spokane, Washington | 2 | $ 236,000 | $ 118,000 | $ 94,000 |
| Milwaukee, Wisconsin | 2 | $ 272,000 | $ 136,000 | $ 204,000 |
| Marshall, Alabama | 1 | $ 108,000 | $ 108,000 | $ 47,000 |
| St. Clair, Alabama | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Mohave, Arizona | 1 | $ 21,000 | $ 21,000 | $ 42,000 |
| Amador, California | 1 | $ 30,000 | $ 30,000 | $ 0 |
| San Miguel, Colorado | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Teller, Colorado | 1 | $ 51,000 | $ 51,000 | $ 45,000 |
| Tolland, Connecticut | 1 | $ 115,000 | $ 115,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Alachua, Florida | 1 | $ 28,000 | $ 28,000 | $ 37,000 |
| Charlotte, Florida | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Flagler, Florida | 1 | $ 110,000 | $ 110,000 | $ 192,000 |
| Highlands, Florida | 1 | $ 36,000 | $ 36,000 | $ 30,000 |
| Marion, Florida | 1 | $ 100,000 | $ 100,000 | $ 300,000 |
| Putnam, Florida | 1 | $ 64,000 | $ 64,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 552,000 | $ 552,000 | $ 243,000 |
| Ada, Idaho | 1 | $ 39,000 | $ 39,000 | $ 72,000 |
| Bonneville, Idaho | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Marion, Illinois | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 168,000 | $ 168,000 | $ 43,000 |
| Lake, Indiana | 1 | $ 113,000 | $ 113,000 | $ 78,000 |
| Wapello, Iowa | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Sedgwick, Kansas | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Wyandotte, Kansas | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Bullitt, Kentucky | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Warren, Kentucky | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Cumberland, Maine | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Frederick, Maryland | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Howard, Maryland | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Oakland, Michigan | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Becker, Minnesota | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Blue Earth, Minnesota | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Clay, Minnesota | 1 | $ 32,000 | $ 32,000 | $ 53,000 |
| Morrison, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 28,000 |
| Otter Tail, Minnesota | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Sibley, Minnesota | 1 | $ 72,000 | $ 72,000 | $ 51,000 |
| St. Louis, Minnesota | 1 | $ 250,000 | $ 250,000 | $ 144,000 |
| Benton, Missouri | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Caldwell, Missouri | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Christian, Missouri | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Greene, Missouri | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Ripley, Missouri | 1 | $ 19,000 | $ 19,000 | $ 96,000 |
| Ste. Genevieve, Missouri | 1 | $ 87,000 | $ 87,000 | $ 28,000 |
| Warren, Missouri | 1 | $ 13,000 | $ 13,000 | $ 26,000 |
| Hall, Nebraska | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Richardson, Nebraska | 1 | $ 116,000 | $ 116,000 | $ 40,000 |
| San Miguel, New Mexico | 1 | $ 500,000 | $ 500,000 | $ 90,000 |
| Hamilton, Ohio | 1 | $ 101,000 | $ 101,000 | $ 76,000 |
| Oklahoma, Oklahoma | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Rogers, Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 32,000 |
| Wagoner, Oklahoma | 1 | $ 323,000 | $ 323,000 | $ 108,000 |
| Curry, Oregon | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 187,000 | $ 187,000 | $ 120,000 |
| Lincoln, Oregon | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Tillamook, Oregon | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Philadelphia, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Kent, Rhode Island | 1 | $ 158,000 | $ 158,000 | $ 56,000 |
| Newport, Rhode Island | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Pennington, South Dakota | 1 | $ 161,000 | $ 161,000 | $ 25,000 |
| Chesapeake, Virginia | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 243,000 | $ 243,000 | $ 76,000 |
| Kitsap, Washington | 1 | $ 161,000 | $ 161,000 | $ 77,000 |
| Waukesha, Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Wood, Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 0 |
Mortgage Loan Application Detail Totals for Steward Financial, 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) | 2,682 | $435,874,000 | $149,666 | $1,500,000 | $55,722 | $3,791,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 988 | $148,833,000 | $157,222 | $1,000,000 | $78,444 | $690,000 |
| Home Improvement (one-to-four family) | 3 | $403,000 | $134,333 | $215,000 | $29,333 | $88,000 |
| 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 | 1,346 | $217,591,000 | $166,677 | $1,000,000 | $71,387 | $690,000 |
| Information not provided by applicant in mail or telephone application | 1,113 | $178,755,000 | $157,148 | $1,500,000 | $39,555 | $3,791,000 |
| Hispanic | 552 | $81,230,000 | $135,555 | $932,000 | $47,500 | $594,000 |
| Black | 429 | $67,853,000 | $148,409 | $1,040,000 | $64,727 | $593,000 |
| Asian or Pacific Islander | 212 | $36,269,000 | $112,533 | $1,000,000 | $57,866 | $670,000 |
| American Indian or Alaskan Native | 12 | $1,295,000 | $91,000 | $364,000 | $56,750 | $120,000 |
| Other | 9 | $2,117,000 | $235,000 | $532,000 | $77,000 | $164,000 |
| 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) | 3,673 | $585,110,000 | $159,000 | $1,500,000 | $55,763 | $3,791,000 |
| 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 Denied By Financial Institution | 1,421 | $241,265,000 | $167,297 | $1,500,000 | $52,891 | $2,592,000 |
| Application Withdrawn By Applicant | 1,043 | $157,607,000 | $163,681 | $1,000,000 | $59,818 | $3,791,000 |
| Loan Originated | 816 | $118,784,000 | $111,200 | $980,000 | $67,950 | $670,000 |
| File Closed For Incompleteness | 216 | $42,288,000 | $168,850 | $1,000,000 | $64,050 | $466,000 |
| Application Approved But Not Accepted | 177 | $25,166,000 | $104,733 | $1,000,000 | $57,266 | $675,000 |
| 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 | 583 | $106,816,000 | $198,625 | $1,000,000 | $59,416 | $2,592,000 |
| Other | 313 | $48,901,000 | $139,625 | $1,500,000 | $61,687 | $540,000 |
| Collateral | 135 | $20,659,000 | $167,470 | $1,000,000 | $79,058 | $396,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 99 | $22,154,000 | $245,647 | $879,000 | $52,647 | $398,000 |
| Unverifiable Information | 68 | $17,451,000 | $265,375 | $983,000 | $63,375 | $360,000 |
| Employment History | 49 | $8,460,000 | $142,750 | $850,000 | $37,000 | $269,000 |
| Debt-To-Income Ratio | 36 | $4,280,000 | $129,888 | $702,000 | $36,111 | $132,000 |
| Credit Application Incomplete | 1 | $113,000 | $113,000 | $113,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Steward Financial, 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 Steward Financial, 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.
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