Steward Financial, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Steward Financial, Inc. of Carlsbad, CA reported 7,491 mortgage applications totaling $2.6 billion, up 35% from 2005. The average application was for $343,470, and applicants reported an average income of $205,444. 20% of its applications resulted in an originated loan and 52% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,188), Riverside-San Bernardino-Ontario, CA (905) and San Diego-Carlsbad-San Marcos, CA (814) (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 | 7,491 |
| Total Mortgage Loan Application Amount | $2,572,939,000 |
| Average Mortgage Loan Application Amount | $343,470 |
| Highest Mortgage Loan Application Amount | $5,500,000 |
| Average Applicant Income | $205,444 |
| Highest Applicant Income | $2,060,000 |
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(HMDA) records Steward Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 1,188 | $ 450,894,000 | $ 379,540 | $ 207,000 |
| Riverside-San Bernardino-Ontario, CA | 905 | $ 236,623,000 | $ 261,461 | $ 162,000 |
| San Diego-Carlsbad-San Marcos, CA | 814 | $ 295,841,000 | $ 363,441 | $ 211,000 |
| Santa Ana-Anaheim-Irvine, CA | 375 | $ 158,841,000 | $ 423,576 | $ 232,000 |
| Oakland-Fremont-Hayward, CA | 324 | $ 117,540,000 | $ 362,777 | $ 192,000 |
| Las Vegas-Paradise, NV | 303 | $ 74,628,000 | $ 246,297 | $ 170,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 171 | $ 52,189,000 | $ 305,198 | $ 179,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 153 | $ 67,302,000 | $ 439,882 | $ 257,000 |
| Phoenix-Mesa-Scottsdale, AZ | 144 | $ 54,329,000 | $ 377,284 | $ 238,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 143 | $ 48,556,000 | $ 339,552 | $ 221,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 121 | $ 54,001,000 | $ 446,289 | $ 246,000 |
| Chicago-Naperville-Joliet, IL | 106 | $ 21,858,000 | $ 206,207 | $ 116,000 |
| Stockton, CA | 97 | $ 26,615,000 | $ 274,381 | $ 153,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 85 | $ 33,493,000 | $ 394,035 | $ 276,000 |
| Orlando-Kissimmee, FL | 84 | $ 20,252,000 | $ 241,095 | $ 163,000 |
| San Francisco-San Mateo-Redwood City, CA | 79 | $ 41,790,000 | $ 528,987 | $ 319,000 |
| Miami-Miami Beach-Kendall, FL | 78 | $ 38,846,000 | $ 498,025 | $ 312,000 |
| Vallejo-Fairfield, CA | 77 | $ 24,910,000 | $ 323,506 | $ 188,000 |
| Modesto, CA | 67 | $ 15,898,000 | $ 237,283 | $ 154,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 62 | $ 16,305,000 | $ 262,983 | $ 136,000 |
| Bakersfield, CA | 50 | $ 10,801,000 | $ 216,020 | $ 133,000 |
| Santa Rosa-Petaluma, CA | 46 | $ 18,531,000 | $ 402,847 | $ 241,000 |
| Tampa-St. Petersburg-Clearwater, FL | 40 | $ 12,343,000 | $ 308,575 | $ 193,000 |
| Seattle-Bellevue-Everett, WA | 37 | $ 11,933,000 | $ 322,513 | $ 193,000 |
| Cape Coral-Fort Myers, FL | 35 | $ 8,461,000 | $ 241,742 | $ 209,000 |
| Warren-Troy-Farmington Hills, MI | 35 | $ 12,795,000 | $ 365,571 | $ 241,000 |
| Fresno, CA | 32 | $ 5,901,000 | $ 184,406 | $ 131,000 |
| Bethesda-Gaithersburg-Frederick, MD | 31 | $ 11,108,000 | $ 358,322 | $ 179,000 |
| Tacoma, WA | 31 | $ 5,673,000 | $ 183,000 | $ 122,000 |
| Santa Barbara-Santa Maria, CA | 29 | $ 16,513,000 | $ 569,413 | $ 297,000 |
| Provo-Orem, UT | 28 | $ 6,347,000 | $ 226,678 | $ 120,000 |
| Baltimore-Towson, MD | 25 | $ 8,824,000 | $ 352,960 | $ 200,000 |
| Salinas, CA | 25 | $ 13,252,000 | $ 530,080 | $ 277,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 24 | $ 8,287,000 | $ 345,291 | $ 297,000 |
| Salt Lake City, UT | 24 | $ 15,856,000 | $ 660,666 | $ 488,000 |
| Sarasota-Bradenton-Venice, FL | 22 | $ 11,477,000 | $ 521,681 | $ 241,000 |
| Honolulu, HI | 21 | $ 6,794,000 | $ 323,523 | $ 168,000 |
| Naples-Marco Island, FL | 21 | $ 10,958,000 | $ 521,809 | $ 385,000 |
| Denver-Aurora, CO | 19 | $ 5,004,000 | $ 263,368 | $ 206,000 |
| Reno-Sparks, NV | 19 | $ 5,797,000 | $ 305,105 | $ 134,000 |
| Merced, CA | 17 | $ 3,569,000 | $ 209,941 | $ 146,000 |
| Palm Bay-Melbourne-Titusville, FL | 17 | $ 1,850,000 | $ 108,823 | $ 81,000 |
| Portland-Vancouver-Beaverton, OR-WA | 14 | $ 3,044,000 | $ 217,428 | $ 108,785 |
| San Luis Obispo-Paso Robles, CA | 14 | $ 4,478,000 | $ 319,857 | $ 283,000 |
| Visalia-Porterville, CA | 14 | $ 2,166,000 | $ 154,714 | $ 71,000 |
| Napa, CA | 13 | $ 5,018,000 | $ 386,000 | $ 158,000 |
| Port St. Lucie-Fort Pierce, FL | 13 | $ 2,936,000 | $ 225,846 | $ 175,000 |
| Prescott, AZ | 13 | $ 2,446,000 | $ 188,153 | $ 197,000 |
| Jacksonville, FL | 12 | $ 1,975,000 | $ 164,583 | $ 107,000 |
| St. Louis, MO-IL | 12 | $ 1,904,000 | $ 158,666 | $ 165,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 5,063,000 | $ 460,272 | $ 299,000 |
| Lakeland, FL | 10 | $ 1,446,000 | $ 144,600 | $ 132,000 |
| Redding, CA | 10 | $ 1,747,000 | $ 174,700 | $ 135,000 |
| Tucson, AZ | 10 | $ 2,440,000 | $ 244,000 | $ 143,000 |
| New Haven-Milford, CT | 9 | $ 4,631,000 | $ 514,555 | $ 320,000 |
| Punta Gorda, FL | 9 | $ 1,223,000 | $ 135,888 | $ 104,000 |
| St. George, UT | 9 | $ 1,485,000 | $ 165,000 | $ 103,000 |
| Boise City-Nampa, ID | 8 | $ 1,988,000 | $ 248,500 | $ 257,000 |
| Ogden-Clearfield, UT | 8 | $ 1,541,000 | $ 192,625 | $ 128,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,575,000 | $ 196,875 | $ 289,000 |
| Colorado Springs, CO | 7 | $ 4,866,000 | $ 695,142 | $ 448,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 3,450,000 | $ 492,857 | $ 395,000 |
| Kansas City, MO-KS | 7 | $ 1,287,000 | $ 183,857 | $ 188,000 |
| Norwich-New London, CT | 7 | $ 1,119,000 | $ 159,857 | $ 335,000 |
| Boston-Quincy, MA | 6 | $ 1,585,000 | $ 264,166 | $ 173,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 1,094,000 | $ 182,333 | $ 92,000 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 3,642,000 | $ 607,000 | $ 393,000 |
| Lansing-East Lansing, MI | 6 | $ 1,964,000 | $ 327,333 | $ 316,000 |
| Madera, CA | 6 | $ 1,412,000 | $ 235,333 | $ 271,000 |
| Barnstable Town, MA | 5 | $ 2,006,000 | $ 401,200 | $ 293,000 |
| Eugene-Springfield, OR | 5 | $ 2,031,000 | $ 406,200 | $ 302,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 3,414,000 | $ 682,800 | $ 281,000 |
| Boulder, CO | 4 | $ 2,884,000 | $ 721,000 | $ 276,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,287,000 | $ 321,750 | $ 332,000 |
| Coeur D'Alene, ID | 4 | $ 1,442,000 | $ 360,500 | $ 280,000 |
| El Centro, CA | 4 | $ 572,000 | $ 143,000 | $ 105,000 |
| Flint, MI | 4 | $ 508,000 | $ 127,000 | $ 119,000 |
| Fort Smith, AR-OK | 4 | $ 398,000 | $ 99,500 | $ 107,500 |
| Grand Rapids-Wyoming, MI | 4 | $ 659,000 | $ 164,750 | $ 131,000 |
| Greeley, CO | 4 | $ 401,000 | $ 100,250 | $ 77,000 |
| Longview, WA | 4 | $ 500,000 | $ 125,000 | $ 80,000 |
| Olympia, WA | 4 | $ 758,000 | $ 189,500 | $ 80,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 2,135,000 | $ 533,750 | $ 293,000 |
| Yuba City, CA | 4 | $ 634,000 | $ 158,500 | $ 96,000 |
| Essex County, MA | 3 | $ 691,000 | $ 230,333 | $ 107,000 |
| Hanford-Corcoran, CA | 3 | $ 602,000 | $ 200,666 | $ 82,000 |
| Anchorage, AK | 2 | $ 206,000 | $ 103,000 | $ 105,000 |
| Bremerton-Silverdale, WA | 2 | $ 318,000 | $ 159,000 | $ 108,000 |
| Chattanooga, TN-GA | 2 | $ 164,000 | $ 82,000 | $ 264,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 209,000 | $ 104,500 | $ 236,000 |
| Dallas-Plano-Irving, TX | 2 | $ 980,000 | $ 490,000 | $ 342,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 196,000 | $ 98,000 | $ 82,000 |
| Fort Worth-Arlington, TX | 2 | $ 167,000 | $ 83,500 | $ 276,000 |
| Gary, IN | 2 | $ 161,000 | $ 80,500 | $ 66,000 |
| Indianapolis-Carmel, IN | 2 | $ 580,000 | $ 290,000 | $ 206,000 |
| Little Rock-North Little Rock, AR | 2 | $ 846,000 | $ 423,000 | $ 138,000 |
| Medford, OR | 2 | $ 380,000 | $ 190,000 | $ 134,000 |
| Memphis, TN-MS-AR | 2 | $ 122,000 | $ 61,000 | $ 107,000 |
| Oklahoma City, OK | 2 | $ 274,000 | $ 137,000 | $ 124,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 272,000 | $ 136,000 | $ 78,000 |
| Panama City-Lynn Haven, FL | 2 | $ 500,000 | $ 250,000 | $ 144,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 258,000 | $ 129,000 | $ 90,000 |
| San Antonio, TX | 2 | $ 1,853,000 | $ 926,500 | $ 888,000 |
| Sebastian-Vero Beach, FL | 2 | $ 225,000 | $ 112,500 | $ 81,000 |
| Spokane, WA | 2 | $ 252,000 | $ 126,000 | $ 72,000 |
| Tallahassee, FL | 2 | $ 125,000 | $ 62,500 | $ 0 |
| Tulsa, OK | 2 | $ 243,000 | $ 121,500 | $ 184,000 |
| Wilmington, DE-MD-NJ | 2 | $ 766,000 | $ 383,000 | $ 360,000 |
| Winchester, VA-WV | 2 | $ 504,000 | $ 252,000 | $ 122,000 |
| Worcester, MA | 2 | $ 276,000 | $ 138,000 | $ 176,000 |
| Ann Arbor, MI | 1 | $ 94,000 | $ 94,000 | $ 192,000 |
| Bend, OR | 1 | $ 41,000 | $ 41,000 | $ 132,000 |
| Chico, CA | 1 | $ 231,000 | $ 231,000 | $ 433,000 |
| College Station-Bryan, TX | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 312,000 | $ 312,000 | $ 117,000 |
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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