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.
| 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 | 635 | $ 284,178,000 | $ 447,000 | $ 221,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 444 | $ 208,297,000 | $ 469,000 | $ 242,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 314 | $ 94,465,000 | $ 300,000 | $ 193,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 272 | $ 159,848,000 | $ 587,000 | $ 288,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 224 | $ 65,172,000 | $ 290,000 | $ 187,000 |
| LAS VEGAS-PARADISE, NV | 150 | $ 57,381,000 | $ 382,000 | $ 245,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 147 | $ 64,314,000 | $ 437,000 | $ 239,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 134 | $ 48,455,000 | $ 361,000 | $ 239,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 124 | $ 51,332,000 | $ 413,000 | $ 226,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 96 | $ 25,735,000 | $ 268,000 | $ 205,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 89 | $ 29,793,000 | $ 334,000 | $ 165,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 86 | $ 53,666,000 | $ 624,000 | $ 337,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 86 | $ 28,445,000 | $ 330,000 | $ 173,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 81 | $ 48,059,000 | $ 593,000 | $ 273,000 |
| ORLANDO, FL | 80 | $ 27,248,000 | $ 340,000 | $ 219,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 67 | $ 36,159,000 | $ 539,000 | $ 290,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 62 | $ 26,264,000 | $ 423,000 | $ 229,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 58 | $ 21,151,000 | $ 364,000 | $ 217,000 |
| BOSTON-QUINCY, MA | 47 | $ 14,826,000 | $ 315,000 | $ 95,000 |
| DENVER-AURORA, CO | 44 | $ 11,701,000 | $ 265,000 | $ 143,000 |
| BALTIMORE-TOWSON, MD | 42 | $ 9,470,000 | $ 225,000 | $ 163,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 39 | $ 8,243,000 | $ 211,000 | $ 147,000 |
| HONOLULU, HI | 39 | $ 20,142,000 | $ 516,000 | $ 303,000 |
| JACKSONVILLE, FL | 34 | $ 12,861,000 | $ 378,000 | $ 477,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 29 | $ 8,181,000 | $ 282,000 | $ 162,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 28 | $ 12,469,000 | $ 445,000 | $ 224,000 |
| STOCKTON, CA | 28 | $ 6,853,000 | $ 244,000 | $ 120,000 |
| BAKERSFIELD, CA | 27 | $ 3,910,000 | $ 144,000 | $ 117,000 |
| VALLEJO-FAIRFIELD, CA | 27 | $ 9,173,000 | $ 339,000 | $ 162,000 |
| MODESTO, CA | 23 | $ 6,640,000 | $ 288,000 | $ 219,000 |
| SANTA ROSA-PETALUMA, CA | 23 | $ 8,885,000 | $ 386,000 | $ 213,000 |
| TUCSON, AZ | 23 | $ 3,745,000 | $ 162,000 | $ 114,000 |
| SALINAS, CA | 21 | $ 7,723,000 | $ 367,000 | $ 181,000 |
| SARASOTA-BRADENTON-VENICE, FL | 20 | $ 8,707,000 | $ 435,000 | $ 315,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 19 | $ 8,516,000 | $ 448,000 | $ 198,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 19 | $ 2,792,000 | $ 146,000 | $ 93,000 |
| PROVO-OREM, UT | 19 | $ 8,242,000 | $ 433,000 | $ 296,000 |
| SALT LAKE CITY, UT | 19 | $ 7,466,000 | $ 392,000 | $ 118,000 |
| CAPE CORAL-FORT MYERS, FL | 17 | $ 5,741,000 | $ 337,000 | $ 137,000 |
| ST. LOUIS, MO-IL | 17 | $ 2,755,000 | $ 162,000 | $ 84,000 |
| NEW HAVEN-MILFORD, CT | 14 | $ 1,708,000 | $ 122,000 | $ 114,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 14 | $ 7,950,000 | $ 567,000 | $ 473,000 |
| TACOMA, WA | 13 | $ 3,110,000 | $ 239,000 | $ 162,000 |
| NAPLES-MARCO ISLAND, FL | 12 | $ 5,670,000 | $ 472,000 | $ 1,534,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 11 | $ 3,999,000 | $ 363,000 | $ 380,000 |
| RENO-SPARKS, NV | 11 | $ 3,376,000 | $ 306,000 | $ 292,000 |
| SANTA CRUZ-WATSONVILLE, CA | 11 | $ 6,352,000 | $ 577,000 | $ 178,000 |
| BARNSTABLE TOWN, MA | 10 | $ 3,272,000 | $ 327,000 | $ 241,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 10 | $ 4,185,000 | $ 418,000 | $ 58,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 10 | $ 6,450,000 | $ 645,000 | $ 393,000 |
| SPRINGFIELD, MA | 9 | $ 847,000 | $ 94,000 | $ 73,000 |
| TALLAHASSEE, FL | 8 | $ 530,000 | $ 66,000 | $ 168,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 7 | $ 1,120,000 | $ 160,000 | $ 160,000 |
| VERO BEACH, FL | 7 | $ 2,422,000 | $ 346,000 | $ 238,000 |
| EL CENTRO, CA | 6 | $ 797,000 | $ 132,000 | $ 241,000 |
| FRESNO, CA | 6 | $ 1,108,000 | $ 184,000 | $ 92,000 |
| KANSAS CITY, MO-KS | 6 | $ 801,000 | $ 133,000 | $ 113,000 |
| MADERA, CA | 6 | $ 869,000 | $ 144,000 | $ 159,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 6 | $ 901,000 | $ 150,000 | $ 67,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 6 | $ 3,667,000 | $ 611,000 | $ 364,000 |
| SPRINGFIELD, MO | 6 | $ 4,349,000 | $ 724,000 | $ 234,000 |
| ST. GEORGE, UT | 6 | $ 2,919,000 | $ 486,000 | $ 209,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 6 | $ 6,206,000 | $ 1,034,000 | $ 582,000 |
| WORCESTER, MA | 6 | $ 1,364,000 | $ 227,000 | $ 69,000 |
| FLAGSTAFF, AZ | 5 | $ 1,275,000 | $ 255,000 | $ 150,000 |
| MERCED, CA | 5 | $ 854,000 | $ 170,000 | $ 179,000 |
| PANAMA CITY-LYNN HAVEN, FL | 5 | $ 1,656,000 | $ 331,000 | $ 190,000 |
| ESSEX COUNTY, MA | 4 | $ 802,000 | $ 200,000 | $ 78,000 |
| GREELEY, CO | 4 | $ 2,400,000 | $ 600,000 | $ 324,000 |
| KNOXVILLE, TN | 4 | $ 266,000 | $ 66,000 | $ 84,000 |
| NORWICH-NEW LONDON, CT | 4 | $ 1,028,000 | $ 257,000 | $ 159,000 |
| OGDEN-CLEARFIELD, UT | 4 | $ 1,192,000 | $ 298,000 | $ 252,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 4 | $ 634,000 | $ 158,000 | $ 151,000 |
| SPOKANE, WA | 4 | $ 364,000 | $ 91,000 | $ 89,000 |
| YUBA CITY, CA | 4 | $ 729,000 | $ 182,000 | $ 144,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 3 | $ 3,738,000 | $ 1,246,000 | $ 602,000 |
| NAPA, CA | 3 | $ 843,000 | $ 281,000 | $ 263,000 |
| ALBUQUERQUE, NM | 2 | $ 105,000 | $ 52,000 | $ 95,000 |
| ANN ARBOR, MI | 2 | $ 334,000 | $ 167,000 | $ 90,000 |
| BIRMINGHAM-HOOVER, AL | 2 | $ 820,000 | $ 410,000 | $ 180,000 |
| BOULDER, CO | 2 | $ 2,219,000 | $ 1,109,000 | $ 501,000 |
| BREMERTON-SILVERDALE, WA | 2 | $ 674,000 | $ 337,000 | $ 151,000 |
| CHAMPAIGN-URBANA, IL | 2 | $ 99,000 | $ 49,000 | $ 74,000 |
| CHICO, CA | 2 | $ 161,000 | $ 80,000 | $ 80,000 |
| DAYTON, OH | 2 | $ 104,000 | $ 52,000 | $ 38,000 |
| DES MOINES, IA | 2 | $ 1,120,000 | $ 560,000 | $ 780,000 |
| EUGENE-SPRINGFIELD, OR | 2 | $ 153,000 | $ 76,000 | $ 161,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 2 | $ 1,147,000 | $ 573,000 | $ 382,000 |
| GAINESVILLE, FL | 2 | $ 144,000 | $ 72,000 | $ 87,000 |
| GARY, IN | 2 | $ 108,000 | $ 54,000 | $ 90,000 |
| LAKELAND, FL | 2 | $ 1,116,000 | $ 558,000 | $ 456,000 |
| MEDFORD, OR | 2 | $ 152,000 | $ 76,000 | $ 108,000 |
| OCALA, FL | 2 | $ 106,000 | $ 53,000 | $ 60,000 |
| OLYMPIA, WA | 2 | $ 220,000 | $ 110,000 | $ 0 |
| ROCKFORD, IL | 2 | $ 175,000 | $ 87,000 | $ 120,000 |
| SALEM, OR | 2 | $ 227,000 | $ 113,000 | $ 90,000 |
| YUMA, AZ | 2 | $ 225,000 | $ 112,000 | $ 54,000 |
| AUSTIN-ROUND ROCK, TX | 1 | $ 980,000 | $ 980,000 | $ 452,000 |
| BOISE CITY-NAMPA, ID | 1 | $ 294,000 | $ 294,000 | $ 540,000 |
| DULUTH, MN-WI | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| LONGVIEW, WA | 1 | $ 132,000 | $ 132,000 | $ 139,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 165,000 | $ 165,000 | $ 2,136,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 1 | $ 1,260,000 | $ 1,260,000 | $ 422,000 |
| PHILADELPHIA, PA | 1 | $ 299,000 | $ 299,000 | $ 84,000 |
| PRESCOTT, AZ | 1 | $ 452,000 | $ 452,000 | $ 114,000 |
| PUNTA GORDA, FL | 1 | $ 300,000 | $ 300,000 | $ 97,000 |
| RICHMOND, VA | 1 | $ 138,000 | $ 138,000 | $ 94,000 |
| SPRINGFIELD, IL | 1 | $ 213,000 | $ 213,000 | $ 300,000 |
| VISALIA-PORTERVILLE, CA | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.