Steward Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Steward Financial, Inc. 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 | 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 | 5,563 |
| Total Mortgage Loan Application Amount | $2,221,651,000 |
| Average Mortgage Loan Application Amount | $391,358 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $229,132 |
| Highest Applicant Income | $9,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 635 | $ 284,178,000 | $ 447,000 | $ 221,000 |
| San Diego County California | 444 | $ 208,297,000 | $ 469,000 | $ 242,000 |
| Orange County California | 272 | $ 159,848,000 | $ 587,000 | $ 288,000 |
| Riverside County California | 202 | $ 64,013,000 | $ 316,000 | $ 209,000 |
| Cook County Illinois | 185 | $ 50,804,000 | $ 274,000 | $ 180,000 |
| Clark County Nevada | 150 | $ 57,381,000 | $ 382,000 | $ 245,000 |
| Broward County Florida | 124 | $ 51,332,000 | $ 413,000 | $ 226,000 |
| Maricopa County Arizona | 123 | $ 45,785,000 | $ 372,000 | $ 246,000 |
| San Bernardino County California | 112 | $ 30,452,000 | $ 271,000 | $ 166,000 |
| Miami-Dade County Florida | 86 | $ 53,666,000 | $ 624,000 | $ 337,000 |
| Alameda County California | 82 | $ 34,134,000 | $ 416,000 | $ 223,000 |
| Contra Costa County California | 65 | $ 30,180,000 | $ 464,000 | $ 255,000 |
| Sacramento County California | 64 | $ 18,695,000 | $ 292,000 | $ 145,000 |
| Ventura County California | 62 | $ 26,264,000 | $ 423,000 | $ 229,000 |
| Palm Beach County Florida | 58 | $ 21,151,000 | $ 364,000 | $ 217,000 |
| Hennepin County Minnesota | 57 | $ 22,221,000 | $ 389,000 | $ 240,000 |
| Santa Clara County California | 56 | $ 32,565,000 | $ 581,000 | $ 293,000 |
| Orange County Florida | 52 | $ 13,077,000 | $ 251,000 | $ 177,000 |
| San Mateo County California | 45 | $ 27,767,000 | $ 617,000 | $ 323,000 |
| Pinellas County Florida | 45 | $ 18,339,000 | $ 407,000 | $ 273,000 |
| Honolulu County Hawaii | 39 | $ 20,142,000 | $ 516,000 | $ 303,000 |
| Suffolk County Massachusetts | 33 | $ 10,919,000 | $ 330,000 | $ 115,000 |
| Hillsborough County Florida | 32 | $ 5,517,000 | $ 172,000 | $ 147,000 |
| Hartford County Connecticut | 30 | $ 5,184,000 | $ 172,000 | $ 113,000 |
| Prince George's County Maryland | 29 | $ 6,245,000 | $ 215,000 | $ 120,000 |
| San Joaquin County California | 28 | $ 6,853,000 | $ 244,000 | $ 120,000 |
| Montgomery County Maryland | 28 | $ 12,469,000 | $ 445,000 | $ 224,000 |
| Kern County California | 27 | $ 3,910,000 | $ 144,000 | $ 117,000 |
| Solano County California | 27 | $ 9,173,000 | $ 339,000 | $ 162,000 |
| Duval County Florida | 27 | $ 8,381,000 | $ 310,000 | $ 486,000 |
| Pima County Arizona | 23 | $ 3,745,000 | $ 162,000 | $ 114,000 |
| Sonoma County California | 23 | $ 8,885,000 | $ 386,000 | $ 213,000 |
| Stanislaus County California | 23 | $ 6,640,000 | $ 288,000 | $ 219,000 |
| King County Washington | 23 | $ 7,400,000 | $ 321,000 | $ 172,000 |
| San Francisco County California | 22 | $ 12,421,000 | $ 564,000 | $ 238,000 |
| Monterey County California | 21 | $ 7,723,000 | $ 367,000 | $ 181,000 |
| Placer County California | 19 | $ 9,708,000 | $ 510,000 | $ 199,000 |
| Fairfield County Connecticut | 19 | $ 8,516,000 | $ 448,000 | $ 198,000 |
| Utah County Utah | 19 | $ 8,242,000 | $ 433,000 | $ 296,000 |
| Lee County Florida | 17 | $ 5,741,000 | $ 337,000 | $ 137,000 |
| Pasco County Florida | 17 | $ 1,698,000 | $ 99,000 | $ 154,000 |
| Salt Lake County Utah | 16 | $ 2,567,000 | $ 160,000 | $ 101,000 |
| Sarasota County Florida | 15 | $ 6,687,000 | $ 445,000 | $ 338,000 |
| Marin County California | 14 | $ 7,871,000 | $ 562,000 | $ 204,000 |
| Santa Barbara County California | 14 | $ 7,950,000 | $ 567,000 | $ 473,000 |
| New Haven County Connecticut | 14 | $ 1,708,000 | $ 122,000 | $ 114,000 |
| Denver County Colorado | 13 | $ 2,950,000 | $ 226,000 | $ 129,000 |
| Seminole County Florida | 13 | $ 6,537,000 | $ 502,000 | $ 172,000 |
| St. Lucie County Florida | 13 | $ 1,548,000 | $ 119,000 | $ 92,000 |
| Pierce County Washington | 13 | $ 3,110,000 | $ 239,000 | $ 162,000 |
| Collier County Florida | 12 | $ 5,670,000 | $ 472,000 | $ 1,534,000 |
| Monroe County Florida | 12 | $ 6,701,000 | $ 558,000 | $ 405,000 |
| DuPage County Illinois | 12 | $ 7,653,000 | $ 637,000 | $ 350,000 |
| Mohave County Arizona | 11 | $ 1,373,000 | $ 124,000 | $ 179,000 |
| Pinal County Arizona | 11 | $ 2,670,000 | $ 242,000 | $ 183,000 |
| San Benito County California | 11 | $ 3,594,000 | $ 326,000 | $ 273,000 |
| Santa Cruz County California | 11 | $ 6,352,000 | $ 577,000 | $ 178,000 |
| Volusia County Florida | 11 | $ 3,999,000 | $ 363,000 | $ 380,000 |
| Kane County Illinois | 11 | $ 2,105,000 | $ 191,000 | $ 130,000 |
| Baltimore County Maryland | 11 | $ 1,128,000 | $ 102,000 | $ 85,000 |
| Baltimore City County Maryland | 11 | $ 1,930,000 | $ 175,000 | $ 142,000 |
| St. Louis City County Missouri | 11 | $ 1,083,000 | $ 98,000 | $ 21,000 |
| Washoe County Nevada | 11 | $ 3,376,000 | $ 306,000 | $ 292,000 |
| Osceola County Florida | 10 | $ 3,348,000 | $ 334,000 | $ 211,000 |
| Lake County Illinois | 10 | $ 6,450,000 | $ 645,000 | $ 393,000 |
| Barnstable County Massachusetts | 10 | $ 3,272,000 | $ 327,000 | $ 241,000 |
| Bristol County Massachusetts | 10 | $ 2,684,000 | $ 268,000 | $ 142,000 |
| Middlesex County Massachusetts | 10 | $ 4,185,000 | $ 418,000 | $ 58,000 |
| Arapahoe County Colorado | 9 | $ 1,316,000 | $ 146,000 | $ 96,000 |
| Douglas County Colorado | 9 | $ 4,185,000 | $ 465,000 | $ 239,000 |
| Plymouth County Massachusetts | 9 | $ 1,687,000 | $ 187,000 | $ 40,000 |
| Jefferson County Colorado | 8 | $ 2,473,000 | $ 309,000 | $ 178,000 |
| Will County Illinois | 8 | $ 3,131,000 | $ 391,000 | $ 202,000 |
| Howard County Maryland | 8 | $ 2,037,000 | $ 254,000 | $ 260,000 |
| Anoka County Minnesota | 8 | $ 2,622,000 | $ 327,000 | $ 112,000 |
| Clark County Washington | 8 | $ 885,000 | $ 110,000 | $ 60,000 |
| Indian River County Florida | 7 | $ 2,422,000 | $ 346,000 | $ 238,000 |
| Santa Rosa County Florida | 7 | $ 1,120,000 | $ 160,000 | $ 160,000 |
| Hampden County Massachusetts | 7 | $ 676,000 | $ 96,000 | $ 72,000 |
| Washington County Minnesota | 7 | $ 1,710,000 | $ 244,000 | $ 108,000 |
| Fresno County California | 6 | $ 1,108,000 | $ 184,000 | $ 92,000 |
| Imperial County California | 6 | $ 797,000 | $ 132,000 | $ 241,000 |
| Madera County California | 6 | $ 869,000 | $ 144,000 | $ 159,000 |
| San Luis Obispo County California | 6 | $ 3,667,000 | $ 611,000 | $ 364,000 |
| Brevard County Florida | 6 | $ 901,000 | $ 150,000 | $ 67,000 |
| Leon County Florida | 6 | $ 382,000 | $ 63,000 | $ 228,000 |
| Martin County Florida | 6 | $ 1,244,000 | $ 207,000 | $ 94,000 |
| Anne Arundel County Maryland | 6 | $ 1,104,000 | $ 184,000 | $ 145,000 |
| Worcester County Massachusetts | 6 | $ 1,364,000 | $ 227,000 | $ 69,000 |
| Ramsey County Minnesota | 6 | $ 1,001,000 | $ 166,000 | $ 60,000 |
| Washington County Utah | 6 | $ 2,919,000 | $ 486,000 | $ 209,000 |
| Snohomish County Washington | 6 | $ 781,000 | $ 130,000 | $ 116,000 |
| Coconino County Arizona | 5 | $ 1,275,000 | $ 255,000 | $ 150,000 |
| Merced County California | 5 | $ 854,000 | $ 170,000 | $ 179,000 |
| Middlesex County Connecticut | 5 | $ 2,692,000 | $ 538,000 | $ 312,000 |
| Bay County Florida | 5 | $ 1,656,000 | $ 331,000 | $ 190,000 |
| Lake County Florida | 5 | $ 4,286,000 | $ 857,000 | $ 670,000 |
| Manatee County Florida | 5 | $ 2,020,000 | $ 404,000 | $ 256,000 |
| St. Johns County Florida | 5 | $ 3,990,000 | $ 798,000 | $ 545,000 |
| Hawaii County Hawaii | 5 | $ 1,892,000 | $ 378,000 | $ 147,000 |
| Nantucket County Massachusetts | 5 | $ 4,292,000 | $ 858,000 | $ 250,000 |
| Norfolk County Massachusetts | 5 | $ 2,220,000 | $ 444,000 | $ 50,000 |
| El Dorado County California | 4 | $ 1,033,000 | $ 258,000 | $ 252,000 |
| Mono County California | 4 | $ 592,000 | $ 148,000 | $ 123,000 |
| Weld County Colorado | 4 | $ 2,400,000 | $ 600,000 | $ 324,000 |
| New London County Connecticut | 4 | $ 1,028,000 | $ 257,000 | $ 159,000 |
| Tolland County Connecticut | 4 | $ 367,000 | $ 91,000 | $ 89,000 |
| McHenry County Illinois | 4 | $ 383,000 | $ 95,000 | $ 80,000 |
| Charles County Maryland | 4 | $ 856,000 | $ 214,000 | $ 101,000 |
| Queen Anne's County Maryland | 4 | $ 2,930,000 | $ 732,000 | $ 477,000 |
| Essex County Massachusetts | 4 | $ 802,000 | $ 200,000 | $ 78,000 |
| Oakland County Michigan | 4 | $ 5,965,000 | $ 1,491,000 | $ 750,000 |
| Jackson County Missouri | 4 | $ 342,000 | $ 85,000 | $ 80,000 |
| Stone County Missouri | 4 | $ 1,360,000 | $ 340,000 | $ 287,000 |
| Lyon County Nevada | 4 | $ 405,000 | $ 101,000 | $ 71,000 |
| Multnomah County Oregon | 4 | $ 634,000 | $ 158,000 | $ 151,000 |
| Blount County Tennessee | 4 | $ 266,000 | $ 66,000 | $ 84,000 |
| Davis County Utah | 4 | $ 1,192,000 | $ 298,000 | $ 252,000 |
| Spokane County Washington | 4 | $ 364,000 | $ 91,000 | $ 89,000 |
| Lake County California | 3 | $ 584,000 | $ 194,000 | $ 27,000 |
| Napa County California | 3 | $ 843,000 | $ 281,000 | $ 263,000 |
| Yuba County California | 3 | $ 425,000 | $ 141,000 | $ 132,000 |
| Walton County Florida | 3 | $ 1,233,000 | $ 411,000 | $ 196,000 |
| Fulton County Georgia | 3 | $ 3,738,000 | $ 1,246,000 | $ 602,000 |
| Dakota County Minnesota | 3 | $ 354,000 | $ 118,000 | $ 80,000 |
| Sherburne County Minnesota | 3 | $ 342,000 | $ 114,000 | $ 67,000 |
| Christian County Missouri | 3 | $ 2,300,000 | $ 766,000 | $ 105,000 |
| Greene County Missouri | 3 | $ 2,049,000 | $ 683,000 | $ 363,000 |
| St. Louis County Missouri | 3 | $ 1,420,000 | $ 473,000 | $ 194,000 |
| Summit County Utah | 3 | $ 4,899,000 | $ 1,633,000 | $ 180,000 |
| Baldwin County Alabama | 2 | $ 1,436,000 | $ 718,000 | $ 43,000 |
| Shelby County Alabama | 2 | $ 820,000 | $ 410,000 | $ 180,000 |
| Sitka County Alaska | 2 | $ 306,000 | $ 153,000 | $ 108,000 |
| Navajo County Arizona | 2 | $ 280,000 | $ 140,000 | $ 180,000 |
| Yuma County Arizona | 2 | $ 225,000 | $ 112,000 | $ 54,000 |
| Amador County California | 2 | $ 437,000 | $ 218,000 | $ 120,000 |
| Butte County California | 2 | $ 161,000 | $ 80,000 | $ 80,000 |
| Yolo County California | 2 | $ 357,000 | $ 178,000 | $ 191,000 |
| Adams County Colorado | 2 | $ 374,000 | $ 187,000 | $ 81,000 |
| Boulder County Colorado | 2 | $ 2,219,000 | $ 1,109,000 | $ 501,000 |
| Fremont County Colorado | 2 | $ 328,000 | $ 164,000 | $ 186,000 |
| Park County Colorado | 2 | $ 225,000 | $ 112,000 | $ 77,000 |
| Litchfield County Connecticut | 2 | $ 439,000 | $ 219,000 | $ 112,000 |
| Windham County Connecticut | 2 | $ 135,000 | $ 67,000 | $ 71,000 |
| Alachua County Florida | 2 | $ 144,000 | $ 72,000 | $ 87,000 |
| Citrus County Florida | 2 | $ 180,000 | $ 90,000 | $ 126,000 |
| Clay County Florida | 2 | $ 490,000 | $ 245,000 | $ 173,000 |
| Flagler County Florida | 2 | $ 591,000 | $ 295,000 | $ 145,000 |
| Gadsden County Florida | 2 | $ 148,000 | $ 74,000 | $ 78,000 |
| Hernando County Florida | 2 | $ 181,000 | $ 90,000 | $ 78,000 |
| Highlands County Florida | 2 | $ 284,000 | $ 142,000 | $ 84,000 |
| Marion County Florida | 2 | $ 106,000 | $ 53,000 | $ 60,000 |
| Okaloosa County Florida | 2 | $ 1,147,000 | $ 573,000 | $ 382,000 |
| Polk County Florida | 2 | $ 1,116,000 | $ 558,000 | $ 456,000 |
| Maui County Hawaii | 2 | $ 209,000 | $ 104,000 | $ 246,000 |
| Boone County Illinois | 2 | $ 175,000 | $ 87,000 | $ 120,000 |
| Champaign County Illinois | 2 | $ 99,000 | $ 49,000 | $ 74,000 |
| DeKalb County Illinois | 2 | $ 276,000 | $ 138,000 | $ 89,000 |
| Kendall County Illinois | 2 | $ 820,000 | $ 410,000 | $ 324,000 |
| Lake County Indiana | 2 | $ 108,000 | $ 54,000 | $ 90,000 |
| Dallas County Iowa | 2 | $ 1,120,000 | $ 560,000 | $ 780,000 |
| Carroll County Maryland | 2 | $ 341,000 | $ 170,000 | $ 75,000 |
| Franklin County Massachusetts | 2 | $ 171,000 | $ 85,000 | $ 77,000 |
| Macomb County Michigan | 2 | $ 241,000 | $ 120,000 | $ 77,000 |
| Washtenaw County Michigan | 2 | $ 334,000 | $ 167,000 | $ 90,000 |
| Chisago County Minnesota | 2 | $ 195,000 | $ 97,000 | $ 38,000 |
| Cass County Missouri | 2 | $ 459,000 | $ 229,000 | $ 180,000 |
| Pettis County Missouri | 2 | $ 232,000 | $ 116,000 | $ 128,000 |
| St. Charles County Missouri | 2 | $ 138,000 | $ 69,000 | $ 348,000 |
| Nye County Nevada | 2 | $ 160,000 | $ 80,000 | $ 60,000 |
| Sandoval County New Mexico | 2 | $ 105,000 | $ 52,000 | $ 95,000 |
| Montgomery County Ohio | 2 | $ 104,000 | $ 52,000 | $ 38,000 |
| Jackson County Oregon | 2 | $ 152,000 | $ 76,000 | $ 108,000 |
| Lane County Oregon | 2 | $ 153,000 | $ 76,000 | $ 161,000 |
| Polk County Oregon | 2 | $ 227,000 | $ 113,000 | $ 90,000 |
| Sevier County Utah | 2 | $ 129,000 | $ 64,000 | $ 36,000 |
| Fairfax County Virginia | 2 | $ 940,000 | $ 470,000 | $ 240,000 |
| Fauquier County Virginia | 2 | $ 1,360,000 | $ 680,000 | $ 300,000 |
| Kitsap County Washington | 2 | $ 674,000 | $ 337,000 | $ 151,000 |
| Thurston County Washington | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Yavapai County Arizona | 1 | $ 452,000 | $ 452,000 | $ 114,000 |
| Calaveras County California | 1 | $ 431,000 | $ 431,000 | $ 86,000 |
| Nevada County California | 1 | $ 791,000 | $ 791,000 | $ 363,000 |
| Sutter County California | 1 | $ 304,000 | $ 304,000 | $ 168,000 |
| Tulare County California | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Elbert County Colorado | 1 | $ 178,000 | $ 178,000 | $ 50,000 |
| Garfield County Colorado | 1 | $ 400,000 | $ 400,000 | $ 732,000 |
| San Miguel County Colorado | 1 | $ 2,000,000 | $ 2,000,000 | $ 660,000 |
| Charlotte County Florida | 1 | $ 300,000 | $ 300,000 | $ 97,000 |
| Gulf County Florida | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Upson County Georgia | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Kauai County Hawaii | 1 | $ 2,000,000 | $ 2,000,000 | $ 840,000 |
| Ada County Idaho | 1 | $ 294,000 | $ 294,000 | $ 540,000 |
| Sangamon County Illinois | 1 | $ 213,000 | $ 213,000 | $ 300,000 |
| Worth County Iowa | 1 | $ 320,000 | $ 320,000 | $ 64,000 |
| Calvert County Maryland | 1 | $ 360,000 | $ 360,000 | $ 72,000 |
| Blue Earth County Minnesota | 1 | $ 166,000 | $ 166,000 | $ 34,000 |
| Faribault County Minnesota | 1 | $ 111,000 | $ 111,000 | $ 68,000 |
| St. Louis County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Jefferson County Missouri | 1 | $ 114,000 | $ 114,000 | $ 42,000 |
| Lincoln County Oregon | 1 | $ 900,000 | $ 900,000 | $ 1,010,000 |
| Montgomery County Pennsylvania | 1 | $ 299,000 | $ 299,000 | $ 84,000 |
| Shelby County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 2,136,000 |
| Williamson County Tennessee | 1 | $ 1,260,000 | $ 1,260,000 | $ 422,000 |
| Travis County Texas | 1 | $ 980,000 | $ 980,000 | $ 452,000 |
| Alexandria County Virginia | 1 | $ 1,600,000 | $ 1,600,000 | $ 270,000 |
| Hopewell County Virginia | 1 | $ 138,000 | $ 138,000 | $ 94,000 |
| Cowlitz County Washington | 1 | $ 132,000 | $ 132,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Steward Financial, 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,848 | $1,564,240,000 | $411,551 | $5,100,000 | $258,724 | $6,000,000 |
| Refinancing | 1,715 | $657,411,000 | $366,958 | $4,146,000 | $193,375 | $9,000,000 |
| 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 | 2,400 | $1,060,714,000 | $398,178 | $5,100,000 | $236,107 | $6,000,000 |
| Hispanic | 1,050 | $339,732,000 | $209,529 | $1,820,000 | $120,470 | $3,368,000 |
| Not Provided | 882 | $390,391,000 | $423,100 | $3,000,000 | $344,300 | $9,000,000 |
| Black or African American | 724 | $226,564,000 | $410,800 | $2,979,000 | $187,100 | $1,449,000 |
| Asian | 417 | $165,671,000 | $397,800 | $3,000,000 | $257,666 | $1,350,000 |
| Native Hawaiian or Other Pacific Islander | 71 | $32,007,000 | $300,600 | $2,450,000 | $155,400 | $638,000 |
| American Indian or Alaskan Native | 19 | $6,572,000 | $318,200 | $1,000,000 | $305,600 | $988,000 |
| 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) | 5,563 | $2,221,651,000 | $406,548 | $5,100,000 | $241,419 | $9,000,000 |
| 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 | 2,451 | $1,064,431,000 | $405,428 | $5,100,000 | $219,464 | $6,000,000 |
| Application Withdrawn By Applicant | 1,131 | $448,463,000 | $355,739 | $4,146,000 | $245,652 | $9,000,000 |
| Loan Originated | 1,017 | $341,323,000 | $387,750 | $2,800,000 | $234,350 | $3,368,000 |
| Application Approved But Not Accepted | 680 | $242,015,000 | $351,388 | $2,986,000 | $229,666 | $1,452,000 |
| File Closed For Incompleteness | 283 | $125,255,000 | $602,411 | $3,000,000 | $258,470 | $915,000 |
| Preapproval Denied by Financial Institution | 1 | $164,000 | $164,000 | $164,000 | $159,000 | $159,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 1,178 | $497,481,000 | $418,703 | $3,600,000 | $228,259 | $2,400,000 |
| Credit History | 544 | $248,064,000 | $394,611 | $5,100,000 | $184,055 | $6,000,000 |
| Collateral | 171 | $82,044,000 | $443,066 | $3,920,000 | $286,200 | $1,800,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 149 | $69,206,000 | $431,928 | $1,868,000 | $163,285 | $1,528,000 |
| Unverifiable Information | 138 | $72,105,000 | $701,777 | $3,112,000 | $234,444 | $738,000 |
| Debt-To-Income Ratio | 131 | $51,918,000 | $385,363 | $1,480,000 | $166,454 | $960,000 |
| Employment History | 30 | $8,979,000 | $210,200 | $884,000 | $98,500 | $305,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Steward Financial, 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 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.
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