Eagle Home Mortgage of California Mortgage Lending & HMDA Data, 2004
In 2004, Eagle Home Mortgage of California of Miami, FL reported 5,850 mortgage applications totaling $1.7 billion, down 9% from 2003. The average application was for $288,487, and applicants reported an average income of $114,887. 56% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,839), Sacramento--Arden-Arcade--Roseville, CA (1,515) and San Diego-Carlsbad-San Marcos, CA (369) (applications in parentheses).
| Mortgage Company & Address | Eagle Home Mortgage of California 730 Nw 107th Avenue, 4th Fl Miami, FL 33172 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,850 |
| Total Mortgage Loan Application Amount | $1,687,650,000 |
| Average Mortgage Loan Application Amount | $288,487 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $114,887 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eagle Home Mortgage of California filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside, California | 1,585 | $ 436,017,000 | $ 275,089 | $ 114,000 |
| Sacramento, California | 1,235 | $ 298,169,000 | $ 241,432 | $ 96,000 |
| San Diego, California | 369 | $ 118,645,000 | $ 321,531 | $ 117,000 |
| San Joaquin, California | 289 | $ 111,544,000 | $ 385,965 | $ 107,000 |
| Kern, California | 284 | $ 55,294,000 | $ 194,697 | $ 82,000 |
| Los Angeles, California | 281 | $ 101,788,000 | $ 362,234 | $ 142,000 |
| Fresno, California | 277 | $ 52,626,000 | $ 189,985 | $ 92,000 |
| San Bernardino, California | 254 | $ 86,625,000 | $ 341,043 | $ 129,000 |
| Orange, California | 230 | $ 76,873,000 | $ 334,230 | $ 116,000 |
| Contra Costa, California | 145 | $ 63,420,000 | $ 437,379 | $ 137,000 |
| Placer, California | 145 | $ 49,197,000 | $ 339,289 | $ 135,000 |
| El Dorado, California | 130 | $ 46,420,000 | $ 357,076 | $ 120,000 |
| San Francisco, California | 105 | $ 38,092,000 | $ 362,780 | $ 108,000 |
| Washoe, Nevada | 104 | $ 25,345,000 | $ 243,701 | $ 88,000 |
| Santa Clara, California | 78 | $ 41,970,000 | $ 538,076 | $ 170,000 |
| Tulare, California | 76 | $ 13,870,000 | $ 182,500 | $ 88,000 |
| Alameda, California | 68 | $ 23,121,000 | $ 340,014 | $ 140,000 |
| Kings, California | 64 | $ 9,776,000 | $ 152,750 | $ 76,000 |
| Napa, California | 43 | $ 18,790,000 | $ 436,976 | $ 136,000 |
| Yuba, California | 37 | $ 7,525,000 | $ 203,378 | $ 118,000 |
| Solano, California | 16 | $ 5,397,000 | $ 337,312 | $ 136,000 |
| Ventura, California | 9 | $ 2,145,000 | $ 238,333 | $ 71,000 |
| Stanislaus, California | 8 | $ 1,281,000 | $ 160,125 | $ 89,000 |
| Yolo, California | 5 | $ 1,007,000 | $ 201,400 | $ 78,000 |
| Butte, California | 2 | $ 255,000 | $ 127,500 | $ 81,000 |
| San Mateo, California | 2 | $ 644,000 | $ 322,000 | $ 238,000 |
| Sonoma, California | 2 | $ 643,000 | $ 321,500 | $ 90,000 |
| Maricopa, Arizona | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Nevada, California | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Santa Barbara, California | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Siskiyou, California | 1 | $ 148,000 | $ 148,000 | $ 44,000 |
| Miami-Dade, Florida | 1 | $ 290,000 | $ 290,000 | $ 73,000 |
| Carson City, Nevada | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Lyon, Nevada | 1 | $ 32,000 | $ 32,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Eagle Home Mortgage of California in 2004
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 | 5,412 | $1,571,061,000 | $245,000 | $1,008,000 | $71,500 | $1,500,000 |
| Refinancing | 433 | $115,599,000 | $218,500 | $1,350,000 | $74,000 | $720,000 |
| Home Improvement | 5 | $990,000 | $198,000 | $334,000 | $57,000 | $75,000 |
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 | 2,680 | $741,455,000 | $257,500 | $1,350,000 | $98,000 | $1,166,000 |
| Not Provided | 1,263 | $360,836,000 | $227,333 | $988,000 | $78,333 | $631,000 |
| Asian | 1,108 | $367,365,000 | $297,500 | $1,008,000 | $108,000 | $1,500,000 |
| Hispanic | 511 | $134,456,000 | $261,000 | $896,000 | $78,333 | $351,000 |
| Black or African American | 219 | $62,948,000 | $271,500 | $736,000 | $86,500 | $366,000 |
| Native Hawaiian or Other Pacific Islander | 55 | $16,850,000 | $306,000 | $650,000 | $123,000 | $304,000 |
| American Indian or Alaskan Native | 14 | $3,740,000 | $267,000 | $500,000 | $201,000 | $720,000 |
| 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) | 5,780 | $1,672,126,000 | $244,000 | $1,350,000 | $70,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 49 | $10,689,000 | $218,000 | $482,000 | $108,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,835,000 | $245,500 | $270,000 | $64,500 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 3,286 | $917,035,000 | $263,500 | $1,350,000 | $109,000 | $1,500,000 |
| Application Withdrawn By Applicant | 2,254 | $686,575,000 | $246,250 | $1,008,000 | $68,000 | $1,166,000 |
| Application Denied By Financial Institution | 243 | $68,843,000 | $271,500 | $736,000 | $87,500 | $518,000 |
| Application Approved But Not Accepted | 57 | $13,363,000 | $234,000 | $499,000 | $107,000 | $437,000 |
| File Closed For Incompleteness | 10 | $1,834,000 | $183,000 | $435,000 | $138,000 | $530,000 |
| 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 | 74 | $21,234,000 | $269,500 | $724,000 | $79,000 | $287,000 |
| Other | 66 | $18,550,000 | $281,000 | $736,000 | $131,000 | $518,000 |
| Credit History | 58 | $16,328,000 | $277,000 | $495,000 | $97,500 | $331,000 |
| Employment History | 18 | $4,235,000 | $235,000 | $411,000 | $111,000 | $192,000 |
| Unverifiable Information | 15 | $4,269,000 | $284,000 | $602,000 | $123,000 | $289,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,898,000 | $379,000 | $500,000 | $156,000 | $304,000 |
| Credit Application Incomplete | 2 | $983,000 | $491,000 | $583,000 | $165,000 | $181,000 |
| Collateral | 1 | $328,000 | $328,000 | $328,000 | $132,000 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eagle Home Mortgage of California's 2004 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 Eagle Home Mortgage of California'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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