Steward Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Steward Financial, Inc. 2006 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 | 7,491 |
| Total Mortgage Loan Application Amount | $2,572,939,000 |
| Average Mortgage Loan Application Amount | $314,666 |
| Highest Mortgage Loan Application Amount | $5,500,000 |
| Average Applicant Income | $180,333 |
| Highest Applicant Income | $2,060,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 1,188 | $ 450,894,000 | $ 379,000 | $ 207,000 |
| San Diego County California | 814 | $ 295,841,000 | $ 363,000 | $ 211,000 |
| Riverside County California | 543 | $ 151,238,000 | $ 278,000 | $ 176,000 |
| Orange County California | 375 | $ 158,841,000 | $ 423,000 | $ 232,000 |
| San Bernardino County California | 362 | $ 85,385,000 | $ 235,000 | $ 141,000 |
| Clark County Nevada | 303 | $ 74,628,000 | $ 246,000 | $ 170,000 |
| Contra Costa County California | 174 | $ 61,621,000 | $ 354,000 | $ 189,000 |
| Alameda County California | 150 | $ 55,919,000 | $ 372,000 | $ 196,000 |
| Santa Clara County California | 146 | $ 64,427,000 | $ 441,000 | $ 259,000 |
| Broward County Florida | 143 | $ 48,556,000 | $ 339,000 | $ 221,000 |
| Maricopa County Arizona | 134 | $ 51,927,000 | $ 387,000 | $ 241,000 |
| Sacramento County California | 122 | $ 30,188,000 | $ 247,000 | $ 144,000 |
| Ventura County California | 121 | $ 54,001,000 | $ 446,000 | $ 246,000 |
| San Joaquin County California | 97 | $ 26,615,000 | $ 274,000 | $ 153,000 |
| Palm Beach County Florida | 85 | $ 33,493,000 | $ 394,000 | $ 276,000 |
| Cook County Illinois | 80 | $ 16,282,000 | $ 203,000 | $ 106,000 |
| Miami-Dade County Florida | 78 | $ 38,846,000 | $ 498,000 | $ 312,000 |
| Solano County California | 77 | $ 24,910,000 | $ 323,000 | $ 188,000 |
| Stanislaus County California | 67 | $ 15,898,000 | $ 237,000 | $ 154,000 |
| Prince George's County Maryland | 53 | $ 14,529,000 | $ 274,000 | $ 136,000 |
| Kern County California | 50 | $ 10,801,000 | $ 216,000 | $ 133,000 |
| Sonoma County California | 46 | $ 18,531,000 | $ 402,000 | $ 241,000 |
| San Mateo County California | 44 | $ 22,263,000 | $ 505,000 | $ 282,000 |
| Orange County Florida | 44 | $ 10,286,000 | $ 233,000 | $ 157,000 |
| Lee County Florida | 35 | $ 8,461,000 | $ 241,000 | $ 209,000 |
| Placer County California | 34 | $ 17,523,000 | $ 515,000 | $ 309,000 |
| King County Washington | 33 | $ 11,040,000 | $ 334,000 | $ 188,000 |
| Fresno County California | 32 | $ 5,901,000 | $ 184,000 | $ 131,000 |
| Pierce County Washington | 31 | $ 5,673,000 | $ 183,000 | $ 122,000 |
| Santa Barbara County California | 29 | $ 16,513,000 | $ 569,000 | $ 297,000 |
| Oakland County Michigan | 26 | $ 10,993,000 | $ 422,000 | $ 275,000 |
| Monterey County California | 25 | $ 13,252,000 | $ 530,000 | $ 277,000 |
| Utah County Utah | 24 | $ 5,922,000 | $ 246,000 | $ 130,000 |
| San Francisco County California | 22 | $ 10,761,000 | $ 489,000 | $ 337,000 |
| Salt Lake County Utah | 22 | $ 13,351,000 | $ 606,000 | $ 467,000 |
| Collier County Florida | 21 | $ 10,958,000 | $ 521,000 | $ 385,000 |
| Honolulu County Hawaii | 21 | $ 6,794,000 | $ 323,000 | $ 168,000 |
| Hillsborough County Florida | 20 | $ 4,990,000 | $ 249,000 | $ 165,000 |
| Montgomery County Maryland | 20 | $ 6,921,000 | $ 346,000 | $ 134,000 |
| Osceola County Florida | 19 | $ 3,027,000 | $ 159,000 | $ 94,000 |
| Washoe County Nevada | 19 | $ 5,797,000 | $ 305,000 | $ 134,000 |
| Merced County California | 17 | $ 3,569,000 | $ 209,000 | $ 146,000 |
| Brevard County Florida | 17 | $ 1,850,000 | $ 108,000 | $ 81,000 |
| Hennepin County Minnesota | 16 | $ 7,231,000 | $ 451,000 | $ 359,000 |
| Flagler County Florida | 15 | $ 2,684,000 | $ 178,000 | $ 131,000 |
| San Luis Obispo County California | 14 | $ 4,478,000 | $ 319,000 | $ 283,000 |
| Tulare County California | 14 | $ 2,166,000 | $ 154,000 | $ 71,000 |
| Pinellas County Florida | 14 | $ 5,642,000 | $ 403,000 | $ 208,000 |
| Yavapai County Arizona | 13 | $ 2,446,000 | $ 188,000 | $ 197,000 |
| Marin County California | 13 | $ 8,766,000 | $ 674,000 | $ 416,000 |
| Napa County California | 13 | $ 5,018,000 | $ 386,000 | $ 158,000 |
| Monroe County Florida | 13 | $ 9,180,000 | $ 706,000 | $ 508,000 |
| Seminole County Florida | 13 | $ 5,282,000 | $ 406,000 | $ 306,000 |
| Fairfield County Connecticut | 11 | $ 5,063,000 | $ 460,000 | $ 299,000 |
| Manatee County Florida | 11 | $ 2,857,000 | $ 259,000 | $ 170,000 |
| Sarasota County Florida | 11 | $ 8,620,000 | $ 783,000 | $ 312,000 |
| Baltimore County Maryland | 11 | $ 5,824,000 | $ 529,000 | $ 200,000 |
| Frederick County Maryland | 11 | $ 4,187,000 | $ 380,000 | $ 261,000 |
| Pima County Arizona | 10 | $ 2,440,000 | $ 244,000 | $ 143,000 |
| Pinal County Arizona | 10 | $ 2,402,000 | $ 240,000 | $ 203,000 |
| Shasta County California | 10 | $ 1,747,000 | $ 174,000 | $ 135,000 |
| Polk County Florida | 10 | $ 1,446,000 | $ 144,000 | $ 132,000 |
| El Dorado County California | 9 | $ 3,001,000 | $ 333,000 | $ 176,000 |
| New Haven County Connecticut | 9 | $ 4,631,000 | $ 514,000 | $ 320,000 |
| Charlotte County Florida | 9 | $ 1,223,000 | $ 135,000 | $ 104,000 |
| St. Lucie County Florida | 9 | $ 1,611,000 | $ 179,000 | $ 99,000 |
| Baltimore City County Maryland | 9 | $ 1,891,000 | $ 210,000 | $ 240,000 |
| Washington County Utah | 9 | $ 1,485,000 | $ 165,000 | $ 103,000 |
| Litchfield County Connecticut | 8 | $ 2,627,000 | $ 328,000 | $ 189,000 |
| Duval County Florida | 8 | $ 1,103,000 | $ 137,000 | $ 82,000 |
| Lake County Florida | 8 | $ 1,657,000 | $ 207,000 | $ 124,000 |
| Ada County Idaho | 8 | $ 1,988,000 | $ 248,000 | $ 257,000 |
| Will County Illinois | 8 | $ 2,545,000 | $ 318,000 | $ 223,000 |
| San Benito County California | 7 | $ 2,875,000 | $ 410,000 | $ 218,000 |
| Denver County Colorado | 7 | $ 1,352,000 | $ 193,000 | $ 145,000 |
| El Paso County Colorado | 7 | $ 4,866,000 | $ 695,000 | $ 448,000 |
| New London County Connecticut | 7 | $ 1,119,000 | $ 159,000 | $ 335,000 |
| Volusia County Florida | 7 | $ 3,450,000 | $ 492,000 | $ 395,000 |
| Maui County Hawaii | 7 | $ 3,643,000 | $ 520,000 | $ 259,000 |
| DuPage County Illinois | 7 | $ 1,830,000 | $ 261,000 | $ 153,000 |
| Madera County California | 6 | $ 1,412,000 | $ 235,000 | $ 271,000 |
| Yolo County California | 6 | $ 1,477,000 | $ 246,000 | $ 150,000 |
| Arapahoe County Colorado | 6 | $ 2,813,000 | $ 468,000 | $ 293,000 |
| Hartford County Connecticut | 6 | $ 1,094,000 | $ 182,000 | $ 92,000 |
| Escambia County Florida | 6 | $ 1,296,000 | $ 216,000 | $ 346,000 |
| Pasco County Florida | 6 | $ 1,711,000 | $ 285,000 | $ 248,000 |
| Jackson County Missouri | 6 | $ 892,000 | $ 148,000 | $ 156,000 |
| St. Charles County Missouri | 6 | $ 891,000 | $ 148,000 | $ 195,000 |
| St. Louis County Missouri | 6 | $ 1,013,000 | $ 168,000 | $ 135,000 |
| Clackamas County Oregon | 6 | $ 1,616,000 | $ 269,000 | $ 129,000 |
| Davis County Utah | 6 | $ 1,383,000 | $ 230,000 | $ 149,000 |
| Kane County Illinois | 5 | $ 454,000 | $ 90,000 | $ 68,000 |
| Lake County Illinois | 5 | $ 3,414,000 | $ 682,000 | $ 281,000 |
| Charles County Maryland | 5 | $ 862,000 | $ 172,000 | $ 70,000 |
| Barnstable County Massachusetts | 5 | $ 2,006,000 | $ 401,000 | $ 293,000 |
| Lane County Oregon | 5 | $ 2,031,000 | $ 406,000 | $ 302,000 |
| Clark County Washington | 5 | $ 806,000 | $ 161,000 | $ 121,000 |
| Mohave County Arizona | 4 | $ 927,000 | $ 231,000 | $ 235,000 |
| Imperial County California | 4 | $ 572,000 | $ 143,000 | $ 105,000 |
| Santa Cruz County California | 4 | $ 2,135,000 | $ 533,000 | $ 293,000 |
| Boulder County Colorado | 4 | $ 2,884,000 | $ 721,000 | $ 276,000 |
| Douglas County Colorado | 4 | $ 564,000 | $ 141,000 | $ 184,000 |
| Weld County Colorado | 4 | $ 401,000 | $ 100,000 | $ 77,000 |
| Martin County Florida | 4 | $ 1,325,000 | $ 331,000 | $ 346,000 |
| Kauai County Hawaii | 4 | $ 2,562,000 | $ 640,000 | $ 246,000 |
| Kootenai County Idaho | 4 | $ 1,442,000 | $ 360,000 | $ 280,000 |
| Calvert County Maryland | 4 | $ 914,000 | $ 228,000 | $ 214,000 |
| Middlesex County Massachusetts | 4 | $ 1,287,000 | $ 321,000 | $ 332,000 |
| Genesee County Michigan | 4 | $ 508,000 | $ 127,000 | $ 119,000 |
| Kent County Michigan | 4 | $ 659,000 | $ 164,000 | $ 131,000 |
| Macomb County Michigan | 4 | $ 905,000 | $ 226,000 | $ 135,000 |
| Ramsey County Minnesota | 4 | $ 530,000 | $ 132,000 | $ 265,000 |
| Harris County Texas | 4 | $ 1,641,000 | $ 410,000 | $ 290,000 |
| Juab County Utah | 4 | $ 425,000 | $ 106,000 | $ 59,000 |
| Cowlitz County Washington | 4 | $ 500,000 | $ 125,000 | $ 80,000 |
| Snohomish County Washington | 4 | $ 893,000 | $ 223,000 | $ 233,000 |
| Thurston County Washington | 4 | $ 758,000 | $ 189,000 | $ 80,000 |
| Kings County California | 3 | $ 602,000 | $ 200,000 | $ 82,000 |
| Clay County Florida | 3 | $ 372,000 | $ 124,000 | $ 79,000 |
| Kendall County Illinois | 3 | $ 324,000 | $ 108,000 | $ 101,000 |
| Essex County Massachusetts | 3 | $ 691,000 | $ 230,000 | $ 107,000 |
| Sevier County Tennessee | 3 | $ 275,000 | $ 91,000 | $ 738,000 |
| Anchorage County Alaska | 2 | $ 206,000 | $ 103,000 | $ 105,000 |
| Ketchikan Gateway County Alaska | 2 | $ 185,000 | $ 92,000 | $ 69,000 |
| La Paz County Arizona | 2 | $ 743,000 | $ 371,000 | $ 282,000 |
| Carroll County Arkansas | 2 | $ 203,000 | $ 101,000 | $ 92,000 |
| Pulaski County Arkansas | 2 | $ 846,000 | $ 423,000 | $ 138,000 |
| Sebastian County Arkansas | 2 | $ 197,000 | $ 98,000 | $ 144,000 |
| Colusa County California | 2 | $ 315,000 | $ 157,000 | $ 147,000 |
| Glenn County California | 2 | $ 253,000 | $ 126,000 | $ 96,000 |
| Lake County California | 2 | $ 420,000 | $ 210,000 | $ 54,000 |
| Mendocino County California | 2 | $ 339,000 | $ 169,000 | $ 72,000 |
| Nevada County California | 2 | $ 415,000 | $ 207,000 | $ 174,000 |
| Sutter County California | 2 | $ 244,000 | $ 122,000 | $ 90,000 |
| Tehama County California | 2 | $ 359,000 | $ 179,000 | $ 115,000 |
| Yuba County California | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| Adams County Colorado | 2 | $ 275,000 | $ 137,000 | $ 202,000 |
| Bay County Florida | 2 | $ 500,000 | $ 250,000 | $ 144,000 |
| Franklin County Florida | 2 | $ 3,294,000 | $ 1,647,000 | $ 997,000 |
| Indian River County Florida | 2 | $ 225,000 | $ 112,000 | $ 81,000 |
| Santa Rosa County Florida | 2 | $ 279,000 | $ 139,000 | $ 118,000 |
| Wakulla County Florida | 2 | $ 125,000 | $ 62,000 | $ 0 |
| DeKalb County Illinois | 2 | $ 219,000 | $ 109,000 | $ 79,000 |
| Pike County Illinois | 2 | $ 281,000 | $ 140,000 | $ 114,000 |
| Lake County Indiana | 2 | $ 161,000 | $ 80,000 | $ 66,000 |
| Boone County Kentucky | 2 | $ 209,000 | $ 104,000 | $ 236,000 |
| Cumberland County Maine | 2 | $ 258,000 | $ 129,000 | $ 90,000 |
| Anne Arundel County Maryland | 2 | $ 261,000 | $ 130,000 | $ 114,000 |
| Cecil County Maryland | 2 | $ 766,000 | $ 383,000 | $ 360,000 |
| Harford County Maryland | 2 | $ 428,000 | $ 214,000 | $ 117,000 |
| Talbot County Maryland | 2 | $ 285,000 | $ 142,000 | $ 114,000 |
| Norfolk County Massachusetts | 2 | $ 491,000 | $ 245,000 | $ 143,000 |
| Plymouth County Massachusetts | 2 | $ 387,000 | $ 193,000 | $ 106,000 |
| Suffolk County Massachusetts | 2 | $ 707,000 | $ 353,000 | $ 270,000 |
| Worcester County Massachusetts | 2 | $ 276,000 | $ 138,000 | $ 176,000 |
| Charlevoix County Michigan | 2 | $ 1,088,000 | $ 544,000 | $ 240,000 |
| Clinton County Michigan | 2 | $ 1,400,000 | $ 700,000 | $ 597,000 |
| Eaton County Michigan | 2 | $ 196,000 | $ 98,000 | $ 67,000 |
| Ingham County Michigan | 2 | $ 368,000 | $ 184,000 | $ 285,000 |
| Livingston County Michigan | 2 | $ 218,000 | $ 109,000 | $ 170,000 |
| St. Clair County Michigan | 2 | $ 189,000 | $ 94,000 | $ 113,000 |
| Wayne County Michigan | 2 | $ 196,000 | $ 98,000 | $ 82,000 |
| Scott County Minnesota | 2 | $ 274,000 | $ 137,000 | $ 82,000 |
| Sherburne County Minnesota | 2 | $ 252,000 | $ 126,000 | $ 76,000 |
| Taney County Missouri | 2 | $ 340,000 | $ 170,000 | $ 252,000 |
| Cass County Nebraska | 2 | $ 272,000 | $ 136,000 | $ 78,000 |
| Nye County Nevada | 2 | $ 390,000 | $ 195,000 | $ 117,000 |
| Le Flore County Oklahoma | 2 | $ 201,000 | $ 100,000 | $ 71,000 |
| Oklahoma County Oklahoma | 2 | $ 274,000 | $ 137,000 | $ 124,000 |
| Tulsa County Oklahoma | 2 | $ 243,000 | $ 121,000 | $ 184,000 |
| Jackson County Oregon | 2 | $ 380,000 | $ 190,000 | $ 134,000 |
| Multnomah County Oregon | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Hamilton County Tennessee | 2 | $ 164,000 | $ 82,000 | $ 264,000 |
| Shelby County Tennessee | 2 | $ 122,000 | $ 61,000 | $ 107,000 |
| Bexar County Texas | 2 | $ 1,853,000 | $ 926,000 | $ 888,000 |
| Dallas County Texas | 2 | $ 980,000 | $ 490,000 | $ 342,000 |
| Montgomery County Texas | 2 | $ 2,001,000 | $ 1,000,000 | $ 600,000 |
| Tarrant County Texas | 2 | $ 167,000 | $ 83,000 | $ 276,000 |
| Summit County Utah | 2 | $ 2,505,000 | $ 1,252,000 | $ 713,000 |
| Wasatch County Utah | 2 | $ 650,000 | $ 325,000 | $ 342,000 |
| Weber County Utah | 2 | $ 158,000 | $ 79,000 | $ 65,000 |
| Frederick County Virginia | 2 | $ 504,000 | $ 252,000 | $ 122,000 |
| Clallam County Washington | 2 | $ 446,000 | $ 223,000 | $ 294,000 |
| Island County Washington | 2 | $ 505,000 | $ 252,000 | $ 193,000 |
| Kitsap County Washington | 2 | $ 318,000 | $ 159,000 | $ 108,000 |
| Spokane County Washington | 2 | $ 252,000 | $ 126,000 | $ 72,000 |
| Walla Walla County Washington | 2 | $ 261,000 | $ 130,000 | $ 78,000 |
| Butte County California | 1 | $ 231,000 | $ 231,000 | $ 433,000 |
| Mariposa County California | 1 | $ 208,000 | $ 208,000 | $ 118,000 |
| Mono County California | 1 | $ 660,000 | $ 660,000 | $ 177,000 |
| Columbia County Florida | 1 | $ 100,000 | $ 100,000 | $ 113,000 |
| Highlands County Florida | 1 | $ 176,000 | $ 176,000 | $ 92,000 |
| Putnam County Florida | 1 | $ 900,000 | $ 900,000 | $ 0 |
| St. Johns County Florida | 1 | $ 500,000 | $ 500,000 | $ 384,000 |
| Hawaii County Hawaii | 1 | $ 275,000 | $ 275,000 | $ 0 |
| McHenry County Illinois | 1 | $ 204,000 | $ 204,000 | $ 96,000 |
| Hendricks County Indiana | 1 | $ 128,000 | $ 128,000 | $ 165,000 |
| Jackson County Indiana | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Marion County Indiana | 1 | $ 452,000 | $ 452,000 | $ 248,000 |
| Queen Anne's County Maryland | 1 | $ 420,000 | $ 420,000 | $ 171,000 |
| Washington County Maryland | 1 | $ 312,000 | $ 312,000 | $ 117,000 |
| Nantucket County Massachusetts | 1 | $ 5,500,000 | $ 5,500,000 | $ 1,800,000 |
| Lapeer County Michigan | 1 | $ 490,000 | $ 490,000 | $ 160,000 |
| Washtenaw County Michigan | 1 | $ 94,000 | $ 94,000 | $ 192,000 |
| Clay County Missouri | 1 | $ 395,000 | $ 395,000 | $ 378,000 |
| Deschutes County Oregon | 1 | $ 41,000 | $ 41,000 | $ 132,000 |
| Klamath County Oregon | 1 | $ 2,500,000 | $ 2,500,000 | $ 588,000 |
| Washington County Oregon | 1 | $ 428,000 | $ 428,000 | $ 143,000 |
| Robertson County Texas | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Box Elder County Utah | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Iron County Utah | 1 | $ 960,000 | $ 960,000 | $ 300,000 |
| Lewis County Washington | 1 | $ 164,000 | $ 164,000 | $ 0 |
Mortgage Loan Application Detail Totals for Steward Financial, Inc. in 2006
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 |
|---|---|---|---|---|---|---|
| Refinancing | 5,081 | $1,702,970,000 | $335,000 | $5,500,000 | $191,000 | $2,060,000 |
| Home Purchase | 2,408 | $869,472,000 | $361,000 | $3,000,000 | $236,000 | $1,328,000 |
| Home Improvement | 2 | $497,000 | $248,000 | $442,000 | $114,000 | $114,000 |
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 | 2,529 | $1,002,666,000 | $396,000 | $5,500,000 | $245,000 | $2,060,000 |
| Hispanic | 2,110 | $605,395,000 | $286,000 | $3,000,000 | $164,000 | $1,200,000 |
| Not Provided | 1,206 | $426,057,000 | $353,000 | $2,491,000 | $211,000 | $1,667,000 |
| Black or African American | 880 | $262,871,000 | $298,000 | $2,500,000 | $173,000 | $960,000 |
| Asian | 610 | $225,763,000 | $370,000 | $2,500,000 | $219,000 | $934,000 |
| Native Hawaiian or Other Pacific Islander | 131 | $41,396,000 | $316,000 | $2,000,000 | $201,000 | $1,140,000 |
| American Indian or Alaskan Native | 23 | $8,639,000 | $375,000 | $945,000 | $200,000 | $378,000 |
| Not applicable | 2 | $152,000 | $76,000 | $118,000 | $43,000 | $86,000 |
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) | 7,491 | $2,572,939,000 | $343,000 | $5,500,000 | $205,000 | $2,060,000 |
| 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 | 3,892 | $1,361,476,000 | $349,000 | $3,000,000 | $211,000 | $1,667,000 |
| Loan Originated | 1,535 | $492,259,000 | $320,000 | $3,000,000 | $184,000 | $1,320,000 |
| Application Approved But Not Accepted | 1,348 | $454,327,000 | $337,000 | $2,480,000 | $205,000 | $1,365,000 |
| File Closed For Incompleteness | 460 | $168,040,000 | $365,000 | $2,580,000 | $226,000 | $2,060,000 |
| Application Withdrawn By Applicant | 256 | $96,837,000 | $378,000 | $5,500,000 | $214,000 | $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 |
|---|---|---|---|---|---|---|
| Other | 1,589 | $545,280,000 | $343,000 | $3,000,000 | $216,000 | $1,667,000 |
| Credit History | 1,293 | $454,888,000 | $351,000 | $3,000,000 | $194,000 | $1,125,000 |
| Collateral | 196 | $88,104,000 | $449,000 | $3,000,000 | $310,000 | $1,365,000 |
| Unverifiable Information | 169 | $60,969,000 | $360,000 | $2,066,000 | $223,000 | $864,000 |
| Debt-To-Income Ratio | 145 | $51,086,000 | $352,000 | $1,331,000 | $187,000 | $900,000 |
| Employment History | 82 | $23,897,000 | $291,000 | $1,031,000 | $174,000 | $552,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 70 | $28,656,000 | $409,000 | $1,981,000 | $286,000 | $1,320,000 |
| Mortgage Insurance Denied | 5 | $1,702,000 | $340,000 | $856,000 | $253,000 | $470,000 |
| Credit Application Incomplete | 5 | $1,188,000 | $237,000 | $428,000 | $205,000 | $430,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Steward Financial, Inc.'s 2006 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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