Steward Investments, Inc Mortgage Lending & HMDA Data, 2013
In 2013, Steward Investments, Inc of Carlsbad, CA reported 1,066 mortgage applications totaling $338.8 million, down 12% from 2012. The average application was for $317,839, and applicants reported an average income of $128,206. 65% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (171), Los Angeles-Long Beach-Glendale, CA (136) and Seattle-Bellevue-Everett, WA (112) (applications in parentheses).
| Mortgage Company & Address | Steward Investments, Inc 1808 Aston Ave. Ste 200 Carlsbad, CA 92008 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 |
| Total Number of Mortgage Applications | 1,066 |
| Total Mortgage Loan Application Amount | $338,817,000 |
| Average Mortgage Loan Application Amount | $317,839 |
| Highest Mortgage Loan Application Amount | $1,870,000 |
| Average Applicant Income | $128,206 |
| Highest Applicant Income | $1,736,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Steward Investments, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 136 | $ 49,965,000 | $ 367,389 | $ 117,000 |
| King, Washington | 95 | $ 30,712,000 | $ 323,284 | $ 139,000 |
| San Diego, California | 91 | $ 30,434,000 | $ 334,439 | $ 121,000 |
| Orange, California | 53 | $ 22,763,000 | $ 429,490 | $ 147,000 |
| Jefferson, Colorado | 40 | $ 9,692,000 | $ 242,300 | $ 106,000 |
| Arapahoe, Colorado | 37 | $ 10,042,000 | $ 271,405 | $ 98,000 |
| Douglas, Colorado | 36 | $ 9,858,000 | $ 273,833 | $ 123,000 |
| Denver, Colorado | 34 | $ 9,448,000 | $ 277,882 | $ 101,000 |
| Alameda, California | 32 | $ 13,940,000 | $ 435,625 | $ 166,000 |
| Santa Clara, California | 26 | $ 10,670,000 | $ 410,384 | $ 130,000 |
| Riverside, California | 24 | $ 7,194,000 | $ 299,750 | $ 115,000 |
| Ventura, California | 21 | $ 7,140,000 | $ 340,000 | $ 147,000 |
| San Bernardino, California | 18 | $ 5,541,000 | $ 307,833 | $ 130,000 |
| Larimer, Colorado | 18 | $ 4,506,000 | $ 250,333 | $ 120,000 |
| Boulder, Colorado | 17 | $ 4,636,000 | $ 272,705 | $ 108,000 |
| El Paso, Colorado | 17 | $ 4,152,000 | $ 244,235 | $ 92,000 |
| Snohomish, Washington | 17 | $ 4,707,000 | $ 276,882 | $ 153,000 |
| Contra Costa, California | 16 | $ 6,483,000 | $ 405,187 | $ 151,000 |
| Sacramento, California | 16 | $ 4,478,000 | $ 279,875 | $ 85,000 |
| Adams, Colorado | 14 | $ 2,998,000 | $ 214,142 | $ 104,000 |
| Multnomah, Oregon | 12 | $ 3,359,000 | $ 279,916 | $ 116,000 |
| Marin, California | 11 | $ 4,749,000 | $ 431,727 | $ 141,000 |
| Weld, Colorado | 11 | $ 2,333,000 | $ 212,090 | $ 132,000 |
| Pierce, Washington | 11 | $ 2,755,000 | $ 250,454 | $ 110,000 |
| San Mateo, California | 10 | $ 3,942,000 | $ 394,200 | $ 154,000 |
| San Francisco, California | 9 | $ 4,333,000 | $ 481,444 | $ 170,000 |
| Miami-Dade, Florida | 9 | $ 2,237,000 | $ 248,555 | $ 318,000 |
| Kitsap, Washington | 8 | $ 1,997,000 | $ 249,625 | $ 77,000 |
| El Dorado, California | 7 | $ 2,002,000 | $ 286,000 | $ 133,000 |
| San Joaquin, California | 7 | $ 1,978,000 | $ 282,571 | $ 126,000 |
| Washington, Oregon | 7 | $ 1,990,000 | $ 284,285 | $ 139,000 |
| Spokane, Washington | 7 | $ 1,945,000 | $ 277,857 | $ 105,000 |
| Placer, California | 6 | $ 1,819,000 | $ 303,166 | $ 115,000 |
| Solano, California | 6 | $ 1,570,000 | $ 261,666 | $ 95,000 |
| Broomfield, Colorado | 6 | $ 1,737,000 | $ 289,500 | $ 201,000 |
| Broward, Florida | 6 | $ 1,645,000 | $ 274,166 | $ 121,000 |
| Palm Beach, Florida | 6 | $ 1,731,000 | $ 288,500 | $ 227,000 |
| Clark, Washington | 6 | $ 1,545,000 | $ 257,500 | $ 77,000 |
| San Luis Obispo, California | 5 | $ 1,206,000 | $ 241,200 | $ 69,000 |
| Fresno, California | 4 | $ 718,000 | $ 179,500 | $ 180,000 |
| Stanislaus, California | 4 | $ 1,329,000 | $ 332,250 | $ 117,000 |
| Hillsborough, Florida | 4 | $ 1,041,000 | $ 260,250 | $ 96,000 |
| Lee, Florida | 4 | $ 1,090,000 | $ 272,500 | $ 163,000 |
| Pasco, Florida | 4 | $ 1,265,000 | $ 316,250 | $ 138,000 |
| Sarasota, Florida | 4 | $ 944,000 | $ 236,000 | $ 70,000 |
| Cook, Illinois | 4 | $ 947,000 | $ 236,750 | $ 114,000 |
| Hudson, New Jersey | 4 | $ 1,709,000 | $ 427,250 | $ 162,000 |
| Monmouth, New Jersey | 4 | $ 1,616,000 | $ 404,000 | $ 257,000 |
| Benton, Washington | 4 | $ 967,000 | $ 241,750 | $ 104,000 |
| Chelan, Washington | 4 | $ 977,000 | $ 244,250 | $ 104,000 |
| Whatcom, Washington | 4 | $ 1,201,000 | $ 300,250 | $ 272,000 |
| Humboldt, California | 3 | $ 617,000 | $ 205,666 | $ 57,000 |
| Kern, California | 3 | $ 756,000 | $ 252,000 | $ 79,000 |
| Madera, California | 3 | $ 464,000 | $ 154,666 | $ 86,000 |
| Santa Barbara, California | 3 | $ 941,000 | $ 313,666 | $ 220,000 |
| Sutter, California | 3 | $ 665,000 | $ 221,666 | $ 122,000 |
| Eagle, Colorado | 3 | $ 919,000 | $ 306,333 | $ 138,000 |
| La Plata, Colorado | 3 | $ 983,000 | $ 327,666 | $ 139,000 |
| Middlesex, New Jersey | 3 | $ 1,330,000 | $ 443,333 | $ 143,000 |
| Clackamas, Oregon | 3 | $ 698,000 | $ 232,666 | $ 131,000 |
| Island, Washington | 3 | $ 680,000 | $ 226,666 | $ 79,000 |
| Thurston, Washington | 3 | $ 992,000 | $ 330,666 | $ 146,000 |
| Lake, California | 2 | $ 300,000 | $ 150,000 | $ 89,000 |
| Napa, California | 2 | $ 715,000 | $ 357,500 | $ 129,000 |
| Shasta, California | 2 | $ 540,000 | $ 270,000 | $ 97,000 |
| Sonoma, California | 2 | $ 699,000 | $ 349,500 | $ 128,000 |
| Yolo, California | 2 | $ 601,000 | $ 300,500 | $ 65,000 |
| Clear Creek, Colorado | 2 | $ 383,000 | $ 191,500 | $ 162,000 |
| Summit, Colorado | 2 | $ 588,000 | $ 294,000 | $ 136,000 |
| Brevard, Florida | 2 | $ 607,000 | $ 303,500 | $ 99,000 |
| Collier, Florida | 2 | $ 447,000 | $ 223,500 | $ 98,000 |
| Escambia, Florida | 2 | $ 435,000 | $ 217,500 | $ 133,000 |
| Martin, Florida | 2 | $ 416,000 | $ 208,000 | $ 103,000 |
| Orange, Florida | 2 | $ 411,000 | $ 205,500 | $ 90,000 |
| Pinellas, Florida | 2 | $ 503,000 | $ 251,500 | $ 124,000 |
| Seminole, Florida | 2 | $ 388,000 | $ 194,000 | $ 90,000 |
| St. Johns, Florida | 2 | $ 639,000 | $ 319,500 | $ 166,000 |
| Essex, New Jersey | 2 | $ 832,000 | $ 416,000 | $ 373,000 |
| Mercer, New Jersey | 2 | $ 617,000 | $ 308,500 | $ 177,000 |
| Union, New Jersey | 2 | $ 633,000 | $ 316,500 | $ 152,000 |
| Benton, Oregon | 2 | $ 621,000 | $ 310,500 | $ 71,000 |
| Marion, Oregon | 2 | $ 351,000 | $ 175,500 | $ 69,000 |
| Skagit, Washington | 2 | $ 466,000 | $ 233,000 | $ 57,000 |
| Walla Walla, Washington | 2 | $ 448,000 | $ 224,000 | $ 87,000 |
| Yakima, Washington | 2 | $ 554,000 | $ 277,000 | $ 97,000 |
| Butte, California | 1 | $ 293,000 | $ 293,000 | $ 90,000 |
| Nevada, California | 1 | $ 287,000 | $ 287,000 | $ 85,000 |
| San Benito, California | 1 | $ 322,000 | $ 322,000 | $ 77,000 |
| Santa Cruz, California | 1 | $ 375,000 | $ 375,000 | $ 114,000 |
| Chaffee, Colorado | 1 | $ 174,000 | $ 174,000 | $ 75,000 |
| Elbert, Colorado | 1 | $ 236,000 | $ 236,000 | $ 110,000 |
| Garfield, Colorado | 1 | $ 408,000 | $ 408,000 | $ 175,000 |
| Grand, Colorado | 1 | $ 396,000 | $ 396,000 | $ 264,000 |
| Gunnison, Colorado | 1 | $ 330,000 | $ 330,000 | $ 124,000 |
| Mesa, Colorado | 1 | $ 371,000 | $ 371,000 | $ 94,000 |
| Park, Colorado | 1 | $ 167,000 | $ 167,000 | $ 115,000 |
| Pueblo, Colorado | 1 | $ 244,000 | $ 244,000 | $ 126,000 |
| Teller, Colorado | 1 | $ 240,000 | $ 240,000 | $ 87,000 |
| Charlotte, Florida | 1 | $ 408,000 | $ 408,000 | $ 200,000 |
| Flagler, Florida | 1 | $ 375,000 | $ 375,000 | $ 560,000 |
| Manatee, Florida | 1 | $ 349,000 | $ 349,000 | $ 255,000 |
| Marion, Florida | 1 | $ 356,000 | $ 356,000 | $ 157,000 |
| Monroe, Florida | 1 | $ 197,000 | $ 197,000 | $ 192,000 |
| Nassau, Florida | 1 | $ 370,000 | $ 370,000 | $ 121,000 |
| Osceola, Florida | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Polk, Florida | 1 | $ 373,000 | $ 373,000 | $ 248,000 |
| Walton, Florida | 1 | $ 198,000 | $ 198,000 | $ 43,000 |
| Grundy, Illinois | 1 | $ 346,000 | $ 346,000 | $ 161,000 |
| Bergen, New Jersey | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Morris, New Jersey | 1 | $ 258,000 | $ 258,000 | $ 338,000 |
| Ocean, New Jersey | 1 | $ 385,000 | $ 385,000 | $ 109,000 |
| Sussex, New Jersey | 1 | $ 481,000 | $ 481,000 | $ 201,000 |
| Deschutes, Oregon | 1 | $ 375,000 | $ 375,000 | $ 64,000 |
| Polk, Oregon | 1 | $ 273,000 | $ 273,000 | $ 67,000 |
| Franklin, Washington | 1 | $ 236,000 | $ 236,000 | $ 138,000 |
| Whitman, Washington | 1 | $ 239,000 | $ 239,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Steward Investments, Inc in 2013
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 | 846 | $260,777,000 | $308,000 | $1,870,000 | $128,000 | $1,736,000 |
| Home Purchase | 220 | $78,040,000 | $354,000 | $1,369,000 | $129,000 | $698,000 |
| 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 | 824 | $257,760,000 | $312,000 | $1,870,000 | $127,000 | $980,000 |
| Asian | 139 | $49,813,000 | $358,000 | $823,000 | $127,000 | $360,000 |
| Hispanic | 58 | $17,497,000 | $301,000 | $537,000 | $110,000 | $242,000 |
| Not Provided | 24 | $7,070,000 | $294,000 | $590,000 | $153,000 | $468,000 |
| Black or African American | 19 | $5,967,000 | $314,000 | $472,000 | $193,000 | $1,736,000 |
| American Indian or Alaskan Native | 2 | $710,000 | $355,000 | $417,000 | $93,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,040 | $330,966,000 | $318,000 | $1,870,000 | $129,000 | $1,736,000 |
| FHA-insured (Federal Housing Administration) | 26 | $7,851,000 | $301,000 | $627,000 | $74,000 | $190,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 691 | $214,560,000 | $310,000 | $690,000 | $123,000 | $698,000 |
| Application Withdrawn By Applicant | 273 | $92,742,000 | $339,000 | $1,870,000 | $140,000 | $1,736,000 |
| Application Denied By Financial Institution | 95 | $29,410,000 | $309,000 | $640,000 | $123,000 | $468,000 |
| File Closed For Incompleteness | 6 | $1,751,000 | $291,000 | $581,000 | $134,000 | $252,000 |
| Application Approved But Not Accepted | 1 | $354,000 | $354,000 | $354,000 | $137,000 | $137,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 29 | $8,653,000 | $298,000 | $563,000 | $88,000 | $338,000 |
| Collateral | 28 | $9,343,000 | $333,000 | $615,000 | $150,000 | $362,000 |
| Other | 13 | $4,300,000 | $330,000 | $640,000 | $150,000 | $468,000 |
| Unverifiable Information | 4 | $925,000 | $231,000 | $325,000 | $162,000 | $396,000 |
| Employment History | 4 | $1,379,000 | $344,000 | $417,000 | $86,000 | $120,000 |
| Credit History | 3 | $967,000 | $322,000 | $417,000 | $122,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $337,000 | $337,000 | $337,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $216,000 | $216,000 | $216,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Steward Investments, Inc's 2013 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 Investments, 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About