Steward Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Steward Financial, 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 | 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 | 3,989 |
| Total Mortgage Loan Application Amount | $1,006,493,000 |
| Average Mortgage Loan Application Amount | $256,196 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $124,785 |
| Highest Applicant Income | $2,820,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Steward Financial, 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 Steward Financial, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Steward Financial, 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 Steward Financial, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Steward Financial, 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 Steward Financial, Inc.'s mortgage activity for 2004.
| 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 | 437 | $ 165,173,000 | $ 377,000 | $ 204,000 |
| Cook County Illinois | 298 | $ 53,682,000 | $ 180,000 | $ 102,000 |
| San Diego County California | 158 | $ 60,124,000 | $ 380,000 | $ 168,000 |
| Broward County Florida | 157 | $ 31,623,000 | $ 201,000 | $ 109,000 |
| Miami-Dade County Florida | 121 | $ 25,906,000 | $ 214,000 | $ 137,000 |
| Clark County Nevada | 94 | $ 26,844,000 | $ 285,000 | $ 167,000 |
| Maricopa County Arizona | 93 | $ 28,593,000 | $ 307,000 | $ 232,000 |
| Riverside County California | 89 | $ 23,911,000 | $ 268,000 | $ 139,000 |
| Orange County California | 83 | $ 37,308,000 | $ 449,000 | $ 176,000 |
| Worcester County Massachusetts | 82 | $ 13,192,000 | $ 160,000 | $ 83,000 |
| Sacramento County California | 79 | $ 12,362,000 | $ 156,000 | $ 88,000 |
| Palm Beach County Florida | 70 | $ 18,738,000 | $ 267,000 | $ 138,000 |
| Hennepin County Minnesota | 62 | $ 11,256,000 | $ 181,000 | $ 115,000 |
| San Bernardino County California | 59 | $ 11,295,000 | $ 191,000 | $ 98,000 |
| Contra Costa County California | 54 | $ 21,424,000 | $ 396,000 | $ 174,000 |
| Orange County Florida | 54 | $ 8,700,000 | $ 161,000 | $ 117,000 |
| Anchorage County Alaska | 50 | $ 8,482,000 | $ 169,000 | $ 91,000 |
| Prince George's County Maryland | 47 | $ 7,415,000 | $ 157,000 | $ 80,000 |
| Hampden County Massachusetts | 42 | $ 3,196,000 | $ 76,000 | $ 46,000 |
| King County Washington | 40 | $ 10,153,000 | $ 253,000 | $ 108,000 |
| Alameda County California | 36 | $ 15,865,000 | $ 440,000 | $ 155,000 |
| Suffolk County Massachusetts | 35 | $ 10,908,000 | $ 311,000 | $ 109,000 |
| Ramsey County Minnesota | 30 | $ 4,016,000 | $ 133,000 | $ 70,000 |
| Middlesex County Massachusetts | 29 | $ 5,994,000 | $ 206,000 | $ 75,000 |
| Santa Clara County California | 28 | $ 10,411,000 | $ 371,000 | $ 145,000 |
| Pinellas County Florida | 27 | $ 5,048,000 | $ 186,000 | $ 168,000 |
| Ventura County California | 25 | $ 14,326,000 | $ 573,000 | $ 245,000 |
| Denver County Colorado | 24 | $ 4,222,000 | $ 175,000 | $ 105,000 |
| Hartford County Connecticut | 22 | $ 2,655,000 | $ 120,000 | $ 62,000 |
| Montgomery County Maryland | 22 | $ 6,500,000 | $ 295,000 | $ 101,000 |
| Arapahoe County Colorado | 21 | $ 2,535,000 | $ 120,000 | $ 73,000 |
| Washington County Utah | 21 | $ 3,674,000 | $ 174,000 | $ 211,000 |
| Barnstable County Massachusetts | 20 | $ 5,472,000 | $ 273,000 | $ 94,000 |
| St. Louis City County Missouri | 20 | $ 1,665,000 | $ 83,000 | $ 173,000 |
| Solano County California | 19 | $ 4,401,000 | $ 231,000 | $ 97,000 |
| Osceola County Florida | 19 | $ 3,281,000 | $ 172,000 | $ 109,000 |
| Essex County Massachusetts | 19 | $ 4,744,000 | $ 249,000 | $ 72,000 |
| Sonoma County California | 18 | $ 7,478,000 | $ 415,000 | $ 246,000 |
| Douglas County Colorado | 18 | $ 9,800,000 | $ 544,000 | $ 231,000 |
| Will County Illinois | 18 | $ 5,393,000 | $ 299,000 | $ 130,000 |
| Hillsborough County Florida | 17 | $ 4,341,000 | $ 255,000 | $ 149,000 |
| DuPage County Illinois | 17 | $ 2,898,000 | $ 170,000 | $ 82,000 |
| Lake County Illinois | 17 | $ 6,952,000 | $ 408,000 | $ 193,000 |
| Jefferson County Alabama | 15 | $ 1,510,000 | $ 100,000 | $ 48,000 |
| Kern County California | 15 | $ 1,844,000 | $ 122,000 | $ 101,000 |
| San Francisco County California | 15 | $ 6,622,000 | $ 441,000 | $ 176,000 |
| San Mateo County California | 15 | $ 7,042,000 | $ 469,000 | $ 281,000 |
| McHenry County Illinois | 15 | $ 1,757,000 | $ 117,000 | $ 62,000 |
| Anoka County Minnesota | 15 | $ 2,115,000 | $ 141,000 | $ 35,000 |
| Jackson County Missouri | 15 | $ 1,354,000 | $ 90,000 | $ 89,000 |
| St. Louis County Missouri | 15 | $ 2,887,000 | $ 192,000 | $ 110,000 |
| Salt Lake County Utah | 15 | $ 4,642,000 | $ 309,000 | $ 180,000 |
| San Joaquin County California | 14 | $ 2,708,000 | $ 193,000 | $ 61,000 |
| San Luis Obispo County California | 14 | $ 2,472,000 | $ 176,000 | $ 126,000 |
| Adams County Colorado | 14 | $ 2,793,000 | $ 199,000 | $ 60,000 |
| Jefferson County Colorado | 14 | $ 2,287,000 | $ 163,000 | $ 66,000 |
| Norfolk County Massachusetts | 14 | $ 5,491,000 | $ 392,000 | $ 125,000 |
| Pima County Arizona | 13 | $ 3,373,000 | $ 259,000 | $ 98,000 |
| Marin County California | 13 | $ 6,337,000 | $ 487,000 | $ 220,000 |
| Stanislaus County California | 13 | $ 1,845,000 | $ 141,000 | $ 88,000 |
| Fairfield County Connecticut | 13 | $ 6,427,000 | $ 494,000 | $ 133,000 |
| Bristol County Massachusetts | 13 | $ 2,197,000 | $ 169,000 | $ 50,000 |
| Scott County Minnesota | 13 | $ 2,495,000 | $ 191,000 | $ 134,000 |
| Placer County California | 12 | $ 6,216,000 | $ 518,000 | $ 332,000 |
| Santa Barbara County California | 12 | $ 6,005,000 | $ 500,000 | $ 176,000 |
| New Haven County Connecticut | 12 | $ 1,197,000 | $ 99,000 | $ 85,000 |
| Brevard County Florida | 12 | $ 1,463,000 | $ 121,000 | $ 54,000 |
| Lee County Florida | 11 | $ 908,000 | $ 82,000 | $ 48,000 |
| Baltimore County Maryland | 11 | $ 2,463,000 | $ 223,000 | $ 98,000 |
| Pierce County Washington | 11 | $ 908,000 | $ 82,000 | $ 44,000 |
| Boulder County Colorado | 10 | $ 2,584,000 | $ 258,000 | $ 162,000 |
| Anne Arundel County Maryland | 10 | $ 5,221,000 | $ 522,000 | $ 243,000 |
| Plymouth County Massachusetts | 10 | $ 1,850,000 | $ 185,000 | $ 55,000 |
| Dakota County Minnesota | 10 | $ 1,424,000 | $ 142,000 | $ 92,000 |
| Clackamas County Oregon | 10 | $ 3,510,000 | $ 351,000 | $ 264,000 |
| Multnomah County Oregon | 10 | $ 1,266,000 | $ 126,000 | $ 122,000 |
| Utah County Utah | 10 | $ 2,620,000 | $ 262,000 | $ 96,000 |
| Snohomish County Washington | 10 | $ 1,430,000 | $ 143,000 | $ 33,000 |
| El Paso County Colorado | 9 | $ 1,310,000 | $ 145,000 | $ 28,000 |
| Seminole County Florida | 9 | $ 1,434,000 | $ 159,000 | $ 112,000 |
| Honolulu County Hawaii | 9 | $ 2,691,000 | $ 299,000 | $ 139,000 |
| Kane County Illinois | 9 | $ 734,000 | $ 81,000 | $ 70,000 |
| Baltimore City County Maryland | 9 | $ 826,000 | $ 91,000 | $ 50,000 |
| Butte County California | 8 | $ 1,202,000 | $ 150,000 | $ 136,000 |
| El Dorado County California | 8 | $ 2,293,000 | $ 286,000 | $ 112,000 |
| Fresno County California | 8 | $ 722,000 | $ 90,000 | $ 64,000 |
| St. Clair County Illinois | 8 | $ 876,000 | $ 109,000 | $ 77,000 |
| Clay County Missouri | 8 | $ 556,000 | $ 69,000 | $ 46,000 |
| Davis County Utah | 8 | $ 4,196,000 | $ 524,000 | $ 204,000 |
| Napa County California | 7 | $ 2,744,000 | $ 392,000 | $ 86,000 |
| New London County Connecticut | 7 | $ 1,210,000 | $ 172,000 | $ 141,000 |
| Charlotte County Florida | 7 | $ 1,156,000 | $ 165,000 | $ 17,000 |
| Duval County Florida | 7 | $ 1,298,000 | $ 185,000 | $ 131,000 |
| Leon County Florida | 7 | $ 833,000 | $ 119,000 | $ 27,000 |
| Pasco County Florida | 7 | $ 502,000 | $ 71,000 | $ 45,000 |
| Santa Rosa County Florida | 7 | $ 1,524,000 | $ 217,000 | $ 149,000 |
| Charles County Maryland | 7 | $ 1,202,000 | $ 171,000 | $ 80,000 |
| Navajo County Arizona | 6 | $ 504,000 | $ 84,000 | $ 55,000 |
| Plumas County California | 6 | $ 839,000 | $ 139,000 | $ 67,000 |
| Weld County Colorado | 6 | $ 1,377,000 | $ 229,000 | $ 40,000 |
| Okaloosa County Florida | 6 | $ 1,490,000 | $ 248,000 | $ 152,000 |
| Sarasota County Florida | 6 | $ 1,645,000 | $ 274,000 | $ 177,000 |
| Washington County Minnesota | 6 | $ 1,480,000 | $ 246,000 | $ 34,000 |
| St. Charles County Missouri | 6 | $ 346,000 | $ 57,000 | $ 75,000 |
| Columbia County Oregon | 6 | $ 392,000 | $ 65,000 | $ 80,000 |
| Jackson County Oregon | 6 | $ 618,000 | $ 103,000 | $ 114,000 |
| Weber County Utah | 6 | $ 751,000 | $ 125,000 | $ 87,000 |
| Clark County Washington | 6 | $ 499,000 | $ 83,000 | $ 23,000 |
| Whatcom County Washington | 6 | $ 532,000 | $ 88,000 | $ 84,000 |
| Coconino County Arizona | 5 | $ 348,000 | $ 69,000 | $ 123,000 |
| Yavapai County Arizona | 5 | $ 463,000 | $ 92,000 | $ 136,000 |
| Litchfield County Connecticut | 5 | $ 714,000 | $ 142,000 | $ 39,000 |
| Hawaii County Hawaii | 5 | $ 3,150,000 | $ 630,000 | $ 266,000 |
| Howard County Maryland | 5 | $ 1,553,000 | $ 310,000 | $ 123,000 |
| Wright County Minnesota | 5 | $ 532,000 | $ 106,000 | $ 61,000 |
| Baldwin County Alabama | 4 | $ 640,000 | $ 160,000 | $ 106,000 |
| Mobile County Alabama | 4 | $ 1,336,000 | $ 334,000 | $ 252,000 |
| Shelby County Alabama | 4 | $ 2,197,000 | $ 549,000 | $ 180,000 |
| Monterey County California | 4 | $ 1,482,000 | $ 370,000 | $ 217,000 |
| Nevada County California | 4 | $ 954,000 | $ 238,000 | $ 132,000 |
| Tulare County California | 4 | $ 522,000 | $ 130,000 | $ 85,000 |
| Lake County Colorado | 4 | $ 440,000 | $ 110,000 | $ 34,000 |
| Teller County Colorado | 4 | $ 682,000 | $ 170,000 | $ 95,000 |
| Clay County Florida | 4 | $ 1,440,000 | $ 360,000 | $ 362,000 |
| Hernando County Florida | 4 | $ 246,000 | $ 61,000 | $ 35,000 |
| Monroe County Florida | 4 | $ 3,275,000 | $ 818,000 | $ 112,000 |
| St. Johns County Florida | 4 | $ 1,675,000 | $ 418,000 | $ 226,000 |
| Volusia County Florida | 4 | $ 805,000 | $ 201,000 | $ 80,000 |
| Maui County Hawaii | 4 | $ 3,073,000 | $ 768,000 | $ 289,000 |
| DeKalb County Illinois | 4 | $ 314,000 | $ 78,000 | $ 41,000 |
| Carroll County Maryland | 4 | $ 518,000 | $ 129,000 | $ 38,000 |
| Frederick County Maryland | 4 | $ 788,000 | $ 197,000 | $ 130,000 |
| Harford County Maryland | 4 | $ 1,415,000 | $ 353,000 | $ 185,000 |
| Franklin County Missouri | 4 | $ 285,000 | $ 71,000 | $ 133,000 |
| Sandoval County New Mexico | 4 | $ 299,000 | $ 74,000 | $ 300,000 |
| Hood River County Oregon | 4 | $ 404,000 | $ 101,000 | $ 126,000 |
| Polk County Oregon | 4 | $ 242,000 | $ 60,000 | $ 119,000 |
| Washington County Oregon | 4 | $ 476,000 | $ 119,000 | $ 67,000 |
| Kitsap County Washington | 4 | $ 1,494,000 | $ 373,000 | $ 253,000 |
| Matanuska-Susitna County Alaska | 3 | $ 521,000 | $ 173,000 | $ 76,000 |
| Mohave County Arizona | 3 | $ 422,000 | $ 140,000 | $ 155,000 |
| Merced County California | 3 | $ 395,000 | $ 131,000 | $ 115,000 |
| Santa Cruz County California | 3 | $ 643,000 | $ 214,000 | $ 113,000 |
| Shasta County California | 3 | $ 351,000 | $ 117,000 | $ 105,000 |
| District of Columbia County District Of Columbia | 3 | $ 1,023,000 | $ 341,000 | $ 73,000 |
| Citrus County Florida | 3 | $ 844,000 | $ 281,000 | $ 160,000 |
| Collier County Florida | 3 | $ 1,239,000 | $ 413,000 | $ 312,000 |
| Escambia County Florida | 3 | $ 211,000 | $ 70,000 | $ 79,000 |
| Kauai County Hawaii | 3 | $ 2,116,000 | $ 705,000 | $ 308,000 |
| Canyon County Idaho | 3 | $ 264,000 | $ 88,000 | $ 79,000 |
| Winnebago County Illinois | 3 | $ 181,000 | $ 60,000 | $ 27,000 |
| Crow Wing County Minnesota | 3 | $ 296,000 | $ 98,000 | $ 57,000 |
| Platte County Missouri | 3 | $ 225,000 | $ 75,000 | $ 64,000 |
| Warren County Missouri | 3 | $ 230,000 | $ 76,000 | $ 52,000 |
| Gallatin County Montana | 3 | $ 563,000 | $ 187,000 | $ 0 |
| Lane County Oregon | 3 | $ 376,000 | $ 125,000 | $ 29,000 |
| Tillamook County Oregon | 3 | $ 261,000 | $ 87,000 | $ 75,000 |
| Jefferson County Washington | 3 | $ 518,000 | $ 172,000 | $ 85,000 |
| Cullman County Alabama | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Pinal County Arizona | 2 | $ 228,000 | $ 114,000 | $ 188,000 |
| Yuma County Arizona | 2 | $ 147,000 | $ 73,000 | $ 74,000 |
| Imperial County California | 2 | $ 153,000 | $ 76,000 | $ 180,000 |
| Inyo County California | 2 | $ 214,000 | $ 107,000 | $ 107,000 |
| Kings County California | 2 | $ 209,000 | $ 104,000 | $ 65,000 |
| San Benito County California | 2 | $ 1,387,000 | $ 693,000 | $ 96,000 |
| Sutter County California | 2 | $ 167,000 | $ 83,000 | $ 114,000 |
| Yolo County California | 2 | $ 257,000 | $ 128,000 | $ 0 |
| Broomfield County Colorado | 2 | $ 341,000 | $ 170,000 | $ 103,000 |
| Mesa County Colorado | 2 | $ 173,000 | $ 86,000 | $ 73,000 |
| Montezuma County Colorado | 2 | $ 143,000 | $ 71,000 | $ 54,000 |
| Park County Colorado | 2 | $ 139,000 | $ 69,000 | $ 42,000 |
| Summit County Colorado | 2 | $ 925,000 | $ 462,000 | $ 0 |
| Indian River County Florida | 2 | $ 1,260,000 | $ 630,000 | $ 0 |
| Marion County Florida | 2 | $ 309,000 | $ 154,000 | $ 85,000 |
| Polk County Florida | 2 | $ 159,000 | $ 79,000 | $ 71,000 |
| St. Lucie County Florida | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Walton County Florida | 2 | $ 152,000 | $ 76,000 | $ 137,000 |
| Ada County Idaho | 2 | $ 113,000 | $ 56,000 | $ 80,000 |
| Jerome County Idaho | 2 | $ 146,000 | $ 73,000 | $ 73,000 |
| Kootenai County Idaho | 2 | $ 808,000 | $ 404,000 | $ 240,000 |
| Madison County Illinois | 2 | $ 116,000 | $ 58,000 | $ 0 |
| Peoria County Illinois | 2 | $ 291,000 | $ 145,000 | $ 294,000 |
| Campbell County Kentucky | 2 | $ 145,000 | $ 72,000 | $ 72,000 |
| Jefferson County Kentucky | 2 | $ 100,000 | $ 50,000 | $ 99,000 |
| St. Mary's County Maryland | 2 | $ 270,000 | $ 135,000 | $ 51,000 |
| Dukes County Massachusetts | 2 | $ 760,000 | $ 380,000 | $ 230,000 |
| Nantucket County Massachusetts | 2 | $ 1,200,000 | $ 600,000 | $ 295,000 |
| Carver County Minnesota | 2 | $ 161,000 | $ 80,000 | $ 0 |
| Goodhue County Minnesota | 2 | $ 251,000 | $ 125,000 | $ 144,000 |
| Isanti County Minnesota | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Mille Lacs County Minnesota | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Sherburne County Minnesota | 2 | $ 200,000 | $ 100,000 | $ 48,000 |
| Stearns County Minnesota | 2 | $ 166,000 | $ 83,000 | $ 53,000 |
| Adair County Missouri | 2 | $ 126,000 | $ 63,000 | $ 60,000 |
| Boone County Missouri | 2 | $ 137,000 | $ 68,000 | $ 47,000 |
| Douglas County Nevada | 2 | $ 334,000 | $ 167,000 | $ 132,000 |
| Elko County Nevada | 2 | $ 209,000 | $ 104,000 | $ 168,000 |
| Washoe County Nevada | 2 | $ 882,000 | $ 441,000 | $ 44,000 |
| Bernalillo County New Mexico | 2 | $ 230,000 | $ 115,000 | $ 105,000 |
| Cleveland County Oklahoma | 2 | $ 251,000 | $ 125,000 | $ 78,000 |
| Tulsa County Oklahoma | 2 | $ 300,000 | $ 150,000 | $ 60,000 |
| Douglas County Oregon | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Wasatch County Utah | 2 | $ 465,000 | $ 232,000 | $ 127,000 |
| Fairfax County Virginia | 2 | $ 572,000 | $ 286,000 | $ 33,000 |
| Clallam County Washington | 2 | $ 141,000 | $ 70,000 | $ 0 |
| Island County Washington | 2 | $ 181,000 | $ 90,000 | $ 86,000 |
| Skagit County Washington | 2 | $ 206,000 | $ 103,000 | $ 107,000 |
| Yakima County Washington | 2 | $ 760,000 | $ 380,000 | $ 308,000 |
| Blount County Alabama | 1 | $ 117,000 | $ 117,000 | $ 62,000 |
| Houston County Alabama | 1 | $ 187,000 | $ 187,000 | $ 78,000 |
| Kodiak Island County Alaska | 1 | $ 225,000 | $ 225,000 | $ 482,000 |
| Calaveras County California | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Clear Creek County Colorado | 1 | $ 196,000 | $ 196,000 | $ 47,000 |
| Eagle County Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 312,000 |
| Larimer County Colorado | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Middlesex County Connecticut | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Tolland County Connecticut | 1 | $ 200,000 | $ 200,000 | $ 183,000 |
| Columbia County Florida | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Flagler County Florida | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Glades County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lake County Florida | 1 | $ 106,000 | $ 106,000 | $ 50,000 |
| Nassau County Florida | 1 | $ 1,180,000 | $ 1,180,000 | $ 342,000 |
| Chatham County Georgia | 1 | $ 389,000 | $ 389,000 | $ 300,000 |
| Cobb County Georgia | 1 | $ 250,000 | $ 250,000 | $ 49,000 |
| Cook County Georgia | 1 | $ 200,000 | $ 200,000 | $ 37,000 |
| Gwinnett County Georgia | 1 | $ 209,000 | $ 209,000 | $ 53,000 |
| Bannock County Idaho | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Bonneville County Idaho | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Jackson County Illinois | 1 | $ 74,000 | $ 74,000 | $ 107,000 |
| Kendall County Illinois | 1 | $ 560,000 | $ 560,000 | $ 294,000 |
| Sangamon County Illinois | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 238,000 | $ 238,000 | $ 120,000 |
| Lake County Indiana | 1 | $ 130,000 | $ 130,000 | $ 99,000 |
| Marion County Indiana | 1 | $ 83,000 | $ 83,000 | $ 90,000 |
| Douglas County Kansas | 1 | $ 260,000 | $ 260,000 | $ 144,000 |
| Johnson County Kansas | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Franklin County Kentucky | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Jessamine County Kentucky | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Montgomery County Kentucky | 1 | $ 110,000 | $ 110,000 | $ 101,000 |
| Berkshire County Massachusetts | 1 | $ 57,000 | $ 57,000 | $ 72,000 |
| Kent County Michigan | 1 | $ 90,000 | $ 90,000 | $ 134,000 |
| Oakland County Michigan | 1 | $ 1,875,000 | $ 1,875,000 | $ 751,000 |
| Van Buren County Michigan | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Jackson County Minnesota | 1 | $ 90,000 | $ 90,000 | $ 77,000 |
| Le Sueur County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Andrew County Missouri | 1 | $ 118,000 | $ 118,000 | $ 96,000 |
| Christian County Missouri | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Cole County Missouri | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Jefferson County Missouri | 1 | $ 266,000 | $ 266,000 | $ 134,000 |
| Polk County Missouri | 1 | $ 141,000 | $ 141,000 | $ 330,000 |
| St. Francois County Missouri | 1 | $ 89,000 | $ 89,000 | $ 30,000 |
| Ste. Genevieve County Missouri | 1 | $ 38,000 | $ 38,000 | $ 35,000 |
| Stone County Missouri | 1 | $ 124,000 | $ 124,000 | $ 206,000 |
| Taney County Missouri | 1 | $ 128,000 | $ 128,000 | $ 90,000 |
| Belknap County New Hampshire | 1 | $ 1,000,000 | $ 1,000,000 | $ 300,000 |
| Cuyahoga County Ohio | 1 | $ 1,400,000 | $ 1,400,000 | $ 320,000 |
| Oklahoma County Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| Bucks County Pennsylvania | 1 | $ 227,000 | $ 227,000 | $ 300,000 |
| Providence County Rhode Island | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 48,000 |
| Cache County Utah | 1 | $ 300,000 | $ 300,000 | $ 115,000 |
| Cowlitz County Washington | 1 | $ 21,000 | $ 21,000 | $ 152,000 |
| Mason County Washington | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Spokane County Washington | 1 | $ 91,000 | $ 91,000 | $ 174,000 |
| Eau Claire County Wisconsin | 1 | $ 146,000 | $ 146,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Steward Financial, 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,501 | $877,323,000 | $261,882 | $2,600,000 | $118,617 | $1,464,000 |
| Refinancing | 488 | $129,170,000 | $247,409 | $2,000,000 | $134,318 | $2,820,000 |
| Home Improvement | 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 | 1,713 | $454,510,000 | $245,777 | $2,600,000 | $128,703 | $2,820,000 |
| Hispanic | 731 | $161,804,000 | $161,705 | $1,625,000 | $74,000 | $900,000 |
| Not Provided | 676 | $185,524,000 | $326,407 | $1,800,000 | $126,407 | $780,000 |
| Black or African American | 649 | $142,021,000 | $212,000 | $1,875,000 | $117,652 | $1,464,000 |
| Asian | 177 | $52,765,000 | $283,714 | $1,500,000 | $126,285 | $551,000 |
| Native Hawaiian or Other Pacific Islander | 29 | $7,909,000 | $228,800 | $837,000 | $115,800 | $476,000 |
| American Indian or Alaskan Native | 13 | $1,863,000 | $145,333 | $560,000 | $100,000 | $462,000 |
| Not applicable | 1 | $97,000 | $97,000 | $97,000 | $126,000 | $126,000 |
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) | 3,989 | $1,006,493,000 | $282,057 | $2,600,000 | $124,200 | $2,820,000 |
| 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 Withdrawn By Applicant | 1,343 | $268,721,000 | $152,590 | $2,000,000 | $90,636 | $1,200,000 |
| Application Denied By Financial Institution | 1,246 | $414,702,000 | $338,514 | $2,600,000 | $124,400 | $2,820,000 |
| Loan Originated | 882 | $189,994,000 | $173,578 | $1,873,000 | $132,526 | $1,302,000 |
| Application Approved But Not Accepted | 396 | $94,572,000 | $149,210 | $1,170,000 | $123,631 | $780,000 |
| File Closed For Incompleteness | 120 | $38,150,000 | $244,230 | $2,000,000 | $101,846 | $668,000 |
| Preapproval Approved but not Accepted | 1 | $144,000 | $144,000 | $144,000 | $129,000 | $129,000 |
| Preapproval Denied by Financial Institution | 1 | $210,000 | $210,000 | $210,000 | $0 | $0 |
| 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 | 421 | $130,237,000 | $279,958 | $2,000,000 | $96,625 | $949,000 |
| Other | 292 | $109,207,000 | $304,370 | $2,600,000 | $147,703 | $1,464,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 152 | $65,541,000 | $503,705 | $1,460,000 | $137,823 | $663,000 |
| Collateral | 107 | $34,943,000 | $449,615 | $1,875,000 | $150,000 | $751,000 |
| Unverifiable Information | 76 | $32,217,000 | $516,384 | $1,470,000 | $161,307 | $563,000 |
| Debt-To-Income Ratio | 51 | $12,373,000 | $243,000 | $1,000,000 | $138,083 | $2,820,000 |
| Employment History | 28 | $5,406,000 | $199,181 | $584,000 | $57,818 | $173,000 |
| Credit Application Incomplete | 2 | $200,000 | $100,000 | $160,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Steward Financial, 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 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.