Stewart Financial Services, in Mortgage Lending & HMDA Data, 2005
In 2005, Stewart Financial Services, in of Tustin, CA reported 350 mortgage applications totaling $112.2 million. The average application was for $320,611, and applicants reported an average income of $133,440. 29% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Santa Ana-Anaheim-Irvine, CA (52), Los Angeles-Long Beach-Glendale, CA (47) and Riverside-San Bernardino-Ontario, CA (37) (applications in parentheses).
| Mortgage Company & Address | Stewart Financial Services, in 14081 Yorba Street #221 Tustin, CA 92780 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 |
| Total Number of Mortgage Applications | 350 |
| Total Mortgage Loan Application Amount | $112,214,000 |
| Average Mortgage Loan Application Amount | $320,611 |
| Highest Mortgage Loan Application Amount | $3,218,000 |
| Average Applicant Income | $133,440 |
| Highest Applicant Income | $2,151,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stewart Financial Services, in filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orange, California | 52 | $ 24,978,000 | $ 480,346 | $ 124,000 |
| Los Angeles, California | 47 | $ 12,804,000 | $ 272,425 | $ 138,000 |
| Honolulu, Hawaii | 21 | $ 5,660,000 | $ 269,523 | $ 108,000 |
| Riverside, California | 20 | $ 7,117,000 | $ 355,850 | $ 143,000 |
| San Bernardino, California | 17 | $ 4,134,000 | $ 243,176 | $ 93,000 |
| San Diego, California | 15 | $ 6,287,000 | $ 419,133 | $ 195,000 |
| Hawaii, Hawaii | 12 | $ 3,350,000 | $ 279,166 | $ 147,000 |
| San Mateo, California | 7 | $ 3,113,000 | $ 444,714 | $ 316,000 |
| Sacramento, California | 6 | $ 1,182,000 | $ 197,000 | $ 111,000 |
| Santa Clara, California | 5 | $ 1,749,000 | $ 349,800 | $ 95,000 |
| Ventura, California | 3 | $ 2,080,000 | $ 693,333 | $ 219,000 |
| Miami-Dade, Florida | 3 | $ 853,000 | $ 284,333 | $ 89,000 |
| Mohave, Arizona | 2 | $ 349,000 | $ 174,500 | $ 79,000 |
| Pinal, Arizona | 2 | $ 372,000 | $ 186,000 | $ 54,000 |
| Alameda, California | 2 | $ 599,000 | $ 299,500 | $ 77,000 |
| Fresno, California | 2 | $ 399,000 | $ 199,500 | $ 43,000 |
| Kern, California | 2 | $ 465,000 | $ 232,500 | $ 40,000 |
| Monterey, California | 2 | $ 650,000 | $ 325,000 | $ 160,000 |
| Placer, California | 2 | $ 590,000 | $ 295,000 | $ 77,000 |
| Tuolumne, California | 2 | $ 654,000 | $ 327,000 | $ 481,000 |
| Maui, Hawaii | 2 | $ 504,000 | $ 252,000 | $ 117,000 |
| Jackson, Oregon | 2 | $ 324,000 | $ 162,000 | $ 50,000 |
| Franklin, Pennsylvania | 2 | $ 135,000 | $ 67,500 | $ 34,000 |
| Luzerne, Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 60,000 |
| Pierce, Washington | 2 | $ 257,000 | $ 128,500 | $ 240,000 |
| Maricopa, Arizona | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Butte, California | 1 | $ 220,000 | $ 220,000 | $ 91,000 |
| El Dorado, California | 1 | $ 300,000 | $ 300,000 | $ 150,000 |
| Imperial, California | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Nevada, California | 1 | $ 650,000 | $ 650,000 | $ 204,000 |
| Shasta, California | 1 | $ 280,000 | $ 280,000 | $ 100,000 |
| Solano, California | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
| Sonoma, California | 1 | $ 600,000 | $ 600,000 | $ 185,000 |
| Litchfield, Connecticut | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| New Castle, Delaware | 1 | $ 232,000 | $ 232,000 | $ 93,000 |
| St. Lucie, Florida | 1 | $ 247,000 | $ 247,000 | $ 83,000 |
| Middlesex, Massachusetts | 1 | $ 312,000 | $ 312,000 | $ 100,000 |
| Nantucket, Massachusetts | 1 | $ 1,999,000 | $ 1,999,000 | $ 850,000 |
| Carlton, Minnesota | 1 | $ 188,000 | $ 188,000 | $ 100,000 |
| Flathead, Montana | 1 | $ 172,000 | $ 172,000 | $ 86,000 |
| Clark, Nevada | 1 | $ 182,000 | $ 182,000 | $ 86,000 |
| Washoe, Nevada | 1 | $ 300,000 | $ 300,000 | $ 150,000 |
| Johnston, North Carolina | 1 | $ 228,000 | $ 228,000 | $ 95,000 |
| Cuyahoga, Ohio | 1 | $ 140,000 | $ 140,000 | $ 56,000 |
| Montgomery, Ohio | 1 | $ 38,000 | $ 38,000 | $ 50,000 |
| Crawford, Pennsylvania | 1 | $ 41,000 | $ 41,000 | $ 171,000 |
| Delaware, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Fayette, Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 100,000 |
| Lebanon, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| Northampton, Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 64,000 |
| Philadelphia, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Schuylkill, Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 24,000 |
| Sullivan, Tennessee | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Williamson, Tennessee | 1 | $ 293,000 | $ 293,000 | $ 110,000 |
| Tarrant, Texas | 1 | $ 3,218,000 | $ 3,218,000 | $ 2,151,000 |
| Washington, Utah | 1 | $ 473,000 | $ 473,000 | $ 240,000 |
| Weber, Utah | 1 | $ 190,000 | $ 190,000 | $ 48,000 |
| Kitsap, Washington | 1 | $ 186,000 | $ 186,000 | $ 80,000 |
| Oconto, Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Stewart Financial Services, in 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 |
|---|---|---|---|---|---|---|
| Refinancing | 216 | $62,114,000 | $353,476 | $3,218,000 | $185,047 | $2,151,000 |
| Home Purchase | 124 | $46,717,000 | $460,500 | $1,999,000 | $202,700 | $1,089,000 |
| Home Improvement | 10 | $3,383,000 | $284,000 | $1,365,000 | $106,333 | $318,000 |
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 | 209 | $75,082,000 | $411,363 | $3,218,000 | $210,363 | $2,151,000 |
| Hispanic | 90 | $23,484,000 | $182,666 | $1,850,000 | $86,833 | $700,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $7,050,000 | $290,500 | $800,000 | $85,500 | $238,000 |
| Asian | 16 | $4,702,000 | $215,000 | $540,000 | $98,666 | $245,000 |
| Black or African American | 8 | $1,896,000 | $255,333 | $408,000 | $95,333 | $114,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 350 | $112,214,000 | $403,636 | $3,218,000 | $210,363 | $2,151,000 |
| 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 Withdrawn By Applicant | 200 | $61,731,000 | $440,777 | $3,218,000 | $233,055 | $2,151,000 |
| Loan Originated | 101 | $37,344,000 | $247,500 | $1,725,000 | $120,700 | $1,320,000 |
| Application Denied By Financial Institution | 27 | $8,035,000 | $210,857 | $1,850,000 | $78,285 | $700,000 |
| File Closed For Incompleteness | 17 | $4,338,000 | $227,800 | $642,000 | $89,000 | $162,000 |
| Application Approved But Not Accepted | 5 | $766,000 | $138,250 | $265,000 | $92,000 | $171,000 |
| 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 | 2 | $2,098,000 | $1,049,000 | $1,850,000 | $444,000 | $700,000 |
| Employment History | 1 | $116,000 | $116,000 | $116,000 | $40,000 | $40,000 |
| Credit History | 1 | $162,000 | $162,000 | $162,000 | $34,000 | $34,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stewart Financial Services, in'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 Stewart Financial Services, in'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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