Xceed Financial Mortgage Lending & HMDA Data, 2011

In 2011, Xceed Financial of El Segundo, CA reported 959 mortgage applications totaling $186.0 million, up 10% from 2010. The average application was for $193,956, and applicants reported an average income of $104,534. 63% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Rochester, NY (373), Los Angeles-Long Beach-Glendale, CA (127) and Dallas-Plano-Irving, TX (71) (applications in parentheses).

Mortgage Company & Address Xceed Financial
888 N. Nash St
El Segundo, CA 90245
Tel #: available with data download
Federal Regulator * available with data download
Years 2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 959
Total Mortgage Loan Application Amount $186,004,000
Average Mortgage Loan Application Amount $193,956
Highest Mortgage Loan Application Amount $1,464,000
Average Applicant Income $104,534
Highest Applicant Income $1,101,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Xceed Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Xceed Financial by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Monroe, New York 306 $ 40,420,000 $ 132,091 $ 102,000
Los Angeles, California 127 $ 41,493,000 $ 326,716 $ 91,000
Denton, Texas 44 $ 5,978,000 $ 135,863 $ 112,000
Wayne, New York 43 $ 4,350,000 $ 101,162 $ 73,000
Orange, California 42 $ 17,168,000 $ 408,761 $ 108,000
Tarrant, Texas 16 $ 2,345,000 $ 146,562 $ 131,000
Morris, New Jersey 15 $ 4,542,000 $ 302,800 $ 128,000
Ontario, New York 15 $ 2,370,000 $ 158,000 $ 98,000
Ventura, California 13 $ 4,857,000 $ 373,615 $ 152,000
Collin, Texas 13 $ 1,985,000 $ 152,692 $ 129,000
Santa Clara, California 12 $ 3,602,000 $ 300,166 $ 119,000
Dallas, Texas 12 $ 2,496,000 $ 208,000 $ 137,000
Cook, Illinois 9 $ 1,280,000 $ 142,222 $ 101,000
Livingston, New York 8 $ 883,000 $ 110,375 $ 102,000
Riverside, California 7 $ 1,441,000 $ 205,857 $ 178,000
Fairfield, Connecticut 7 $ 1,493,000 $ 213,285 $ 88,000
Alameda, California 6 $ 1,751,000 $ 291,833 $ 152,000
Sussex, New Jersey 5 $ 729,000 $ 145,800 $ 97,000
Harris, Texas 5 $ 335,000 $ 67,000 $ 65,000
Williamson, Texas 5 $ 809,000 $ 161,800 $ 125,000
Maricopa, Arizona 4 $ 584,000 $ 146,000 $ 65,000
San Bernardino, California 4 $ 585,000 $ 146,250 $ 71,000
Pinellas, Florida 4 $ 349,000 $ 87,250 $ 126,000
Fulton, Georgia 4 $ 1,153,000 $ 288,250 $ 186,000
Warren, New Jersey 4 $ 905,000 $ 226,250 $ 98,000
Erie, New York 4 $ 379,000 $ 94,750 $ 77,000
Comal, Texas 4 $ 479,000 $ 119,750 $ 37,000
Contra Costa, California 3 $ 834,000 $ 278,000 $ 102,000
San Diego, California 3 $ 806,000 $ 268,666 $ 74,000
San Luis Obispo, California 3 $ 914,000 $ 304,666 $ 151,000
Miami-Dade, Florida 3 $ 820,000 $ 273,333 $ 111,000
Sumter, Florida 3 $ 512,000 $ 170,666 $ 172,000
Cobb, Georgia 3 $ 557,000 $ 185,666 $ 85,000
Monmouth, New Jersey 3 $ 487,000 $ 162,333 $ 82,000
Ocean, New Jersey 3 $ 574,000 $ 191,333 $ 95,000
Somerset, New Jersey 3 $ 319,000 $ 106,333 $ 103,000
Seneca, New York 3 $ 240,000 $ 80,000 $ 141,000
Westchester, New York 3 $ 1,435,000 $ 478,333 $ 384,000
Clackamas, Oregon 3 $ 1,074,000 $ 358,000 $ 173,000
Travis, Texas 3 $ 578,000 $ 192,666 $ 136,000
Merced, California 2 $ 224,000 $ 112,000 $ 202,000
Sacramento, California 2 $ 740,000 $ 370,000 $ 21,000
San Joaquin, California 2 $ 189,000 $ 94,500 $ 43,000
Douglas, Colorado 2 $ 438,000 $ 219,000 $ 82,000
Sussex, Delaware 2 $ 297,000 $ 148,500 $ 44,000
Broward, Florida 2 $ 430,000 $ 215,000 $ 136,000
Hillsborough, Florida 2 $ 133,000 $ 66,500 $ 54,000
Lee, Florida 2 $ 90,000 $ 45,000 $ 77,000
Gwinnett, Georgia 2 $ 345,000 $ 172,500 $ 230,000
Kendall, Illinois 2 $ 152,000 $ 76,000 $ 75,000
East Baton Rouge, Louisiana 2 $ 97,000 $ 48,500 $ 16,000
St. Tammany, Louisiana 2 $ 350,000 $ 175,000 $ 99,000
Middlesex, Massachusetts 2 $ 784,000 $ 392,000 $ 125,000
Bergen, New Jersey 2 $ 489,000 $ 244,500 $ 100,000
Camden, New Jersey 2 $ 380,000 $ 190,000 $ 113,000
Essex, New Jersey 2 $ 451,000 $ 225,500 $ 104,000
Union, New Jersey 2 $ 408,000 $ 204,000 $ 109,000
Genesee, New York 2 $ 272,000 $ 136,000 $ 89,000
Suffolk, New York 2 $ 382,000 $ 191,000 $ 77,000
Yates, New York 2 $ 433,000 $ 216,500 $ 163,000
Davidson, North Carolina 2 $ 135,000 $ 67,500 $ 65,000
Union, North Carolina 2 $ 165,000 $ 82,500 $ 81,000
Wake, North Carolina 2 $ 541,000 $ 270,500 $ 106,000
Carbon, Pennsylvania 2 $ 170,000 $ 85,000 $ 129,000
Montgomery, Pennsylvania 2 $ 273,000 $ 136,500 $ 55,000
Pike, Pennsylvania 2 $ 420,000 $ 210,000 $ 134,000
Maury, Tennessee 2 $ 321,000 $ 160,500 $ 45,000
Ellis, Texas 2 $ 346,000 $ 173,000 $ 119,000
Fort Bend, Texas 2 $ 377,000 $ 188,500 $ 89,000
Galveston, Texas 2 $ 142,000 $ 71,000 $ 114,000
Parker, Texas 2 $ 80,000 $ 40,000 $ 75,000
Washington, Texas 2 $ 579,000 $ 289,500 $ 123,000
Prince George, Virginia 2 $ 160,000 $ 80,000 $ 56,000
Elmore, Alabama 1 $ 322,000 $ 322,000 $ 78,000
Gila, Arizona 1 $ 200,000 $ 200,000 $ 60,000
La Paz, Arizona 1 $ 100,000 $ 100,000 $ 27,000
Pinal, Arizona 1 $ 70,000 $ 70,000 $ 115,000
Butte, California 1 $ 270,000 $ 270,000 $ 384,000
El Dorado, California 1 $ 56,000 $ 56,000 $ 64,000
Napa, California 1 $ 296,000 $ 296,000 $ 69,000
San Mateo, California 1 $ 481,000 $ 481,000 $ 150,000
Stanislaus, California 1 $ 45,000 $ 45,000 $ 39,000
Adams, Colorado 1 $ 552,000 $ 552,000 $ 135,000
Arapahoe, Colorado 1 $ 243,000 $ 243,000 $ 120,000
Garfield, Colorado 1 $ 50,000 $ 50,000 $ 44,000
Weld, Colorado 1 $ 166,000 $ 166,000 $ 55,000
Litchfield, Connecticut 1 $ 155,000 $ 155,000 $ 55,000
New Castle, Delaware 1 $ 115,000 $ 115,000 $ 167,000
Bay, Florida 1 $ 168,000 $ 168,000 $ 107,000
Brevard, Florida 1 $ 60,000 $ 60,000 $ 149,000
Collier, Florida 1 $ 300,000 $ 300,000 $ 131,000
Duval, Florida 1 $ 54,000 $ 54,000 $ 158,000
Lake, Florida 1 $ 136,000 $ 136,000 $ 157,000
Leon, Florida 1 $ 114,000 $ 114,000 $ 67,000
Manatee, Florida 1 $ 272,000 $ 272,000 $ 0
Osceola, Florida 1 $ 140,000 $ 140,000 $ 29,000
Palm Beach, Florida 1 $ 110,000 $ 110,000 $ 60,000
Sarasota, Florida 1 $ 202,000 $ 202,000 $ 101,000
DeKalb, Georgia 1 $ 40,000 $ 40,000 $ 78,000
Effingham, Georgia 1 $ 120,000 $ 120,000 $ 66,000
Fayette, Georgia 1 $ 100,000 $ 100,000 $ 129,000
Floyd, Georgia 1 $ 185,000 $ 185,000 $ 85,000
Pulaski, Georgia 1 $ 65,000 $ 65,000 $ 78,000
Ada, Idaho 1 $ 104,000 $ 104,000 $ 48,000
Will, Illinois 1 $ 340,000 $ 340,000 $ 130,000
Bartholomew, Indiana 1 $ 140,000 $ 140,000 $ 167,000
Jackson, Iowa 1 $ 45,000 $ 45,000 $ 38,000
Scott, Iowa 1 $ 137,000 $ 137,000 $ 88,000
Johnson, Kansas 1 $ 167,000 $ 167,000 $ 119,000
Barren, Kentucky 1 $ 118,000 $ 118,000 $ 34,000
Pulaski, Kentucky 1 $ 115,000 $ 115,000 $ 165,000
Jefferson, Louisiana 1 $ 132,000 $ 132,000 $ 64,000
Orleans, Louisiana 1 $ 250,000 $ 250,000 $ 111,000
Cumberland, Maine 1 $ 71,000 $ 71,000 $ 26,000
Franklin, Maine 1 $ 227,000 $ 227,000 $ 157,000
York, Maine 1 $ 50,000 $ 50,000 $ 102,000
Anne Arundel, Maryland 1 $ 532,000 $ 532,000 $ 150,000
Baltimore City, Maryland 1 $ 97,000 $ 97,000 $ 58,000
Howard, Maryland 1 $ 480,000 $ 480,000 $ 176,000
Montgomery, Maryland 1 $ 117,000 $ 117,000 $ 90,000
Hampden, Massachusetts 1 $ 190,000 $ 190,000 $ 96,000
Suffolk, Massachusetts 1 $ 115,000 $ 115,000 $ 47,000
Branch, Michigan 1 $ 250,000 $ 250,000 $ 110,000
Ingham, Michigan 1 $ 25,000 $ 25,000 $ 23,000
Wayne, Michigan 1 $ 25,000 $ 25,000 $ 27,000
Hennepin, Minnesota 1 $ 150,000 $ 150,000 $ 52,000
Clay, Missouri 1 $ 125,000 $ 125,000 $ 98,000
Jefferson, Missouri 1 $ 51,000 $ 51,000 $ 61,000
Ravalli, Montana 1 $ 235,000 $ 235,000 $ 103,000
Hillsborough, New Hampshire 1 $ 356,000 $ 356,000 $ 160,000
Burlington, New Jersey 1 $ 160,000 $ 160,000 $ 147,000
Gloucester, New Jersey 1 $ 128,000 $ 128,000 $ 133,000
Hudson, New Jersey 1 $ 167,000 $ 167,000 $ 85,000
Hunterdon, New Jersey 1 $ 225,000 $ 225,000 $ 290,000
Middlesex, New Jersey 1 $ 118,000 $ 118,000 $ 69,000
Passaic, New Jersey 1 $ 210,000 $ 210,000 $ 77,000
Bernalillo, New Mexico 1 $ 110,000 $ 110,000 $ 134,000
Sandoval, New Mexico 1 $ 45,000 $ 45,000 $ 120,000
Santa Fe, New Mexico 1 $ 502,000 $ 502,000 $ 145,000
Albany, New York 1 $ 417,000 $ 417,000 $ 303,000
Allegany, New York 1 $ 127,000 $ 127,000 $ 92,000
Broome, New York 1 $ 111,000 $ 111,000 $ 38,000
Cayuga, New York 1 $ 400,000 $ 400,000 $ 195,000
Dutchess, New York 1 $ 208,000 $ 208,000 $ 99,000
Jefferson, New York 1 $ 200,000 $ 200,000 $ 171,000
Nassau, New York 1 $ 380,000 $ 380,000 $ 192,000
Niagara, New York 1 $ 50,000 $ 50,000 $ 90,000
Oneida, New York 1 $ 50,000 $ 50,000 $ 0
Onondaga, New York 1 $ 304,000 $ 304,000 $ 198,000
Orange, New York 1 $ 49,000 $ 49,000 $ 28,000
Orleans, New York 1 $ 69,000 $ 69,000 $ 72,000
Oswego, New York 1 $ 650,000 $ 650,000 $ 0
Wyoming, New York 1 $ 100,000 $ 100,000 $ 90,000
Burke, North Carolina 1 $ 112,000 $ 112,000 $ 82,000
Sampson, North Carolina 1 $ 45,000 $ 45,000 $ 15,000
Fairfield, Ohio 1 $ 85,000 $ 85,000 $ 101,000
Lucas, Ohio 1 $ 20,000 $ 20,000 $ 24,000
Cleveland, Oklahoma 1 $ 117,000 $ 117,000 $ 123,000
Linn, Oregon 1 $ 83,000 $ 83,000 $ 42,000
Multnomah, Oregon 1 $ 500,000 $ 500,000 $ 200,000
Allegheny, Pennsylvania 1 $ 55,000 $ 55,000 $ 20,000
Bradford, Pennsylvania 1 $ 88,000 $ 88,000 $ 66,000
Chester, Pennsylvania 1 $ 276,000 $ 276,000 $ 88,000
Cumberland, Pennsylvania 1 $ 391,000 $ 391,000 $ 236,000
Lackawanna, Pennsylvania 1 $ 100,000 $ 100,000 $ 72,000
Lehigh, Pennsylvania 1 $ 89,000 $ 89,000 $ 120,000
Monroe, Pennsylvania 1 $ 35,000 $ 35,000 $ 87,000
Philadelphia, Pennsylvania 1 $ 88,000 $ 88,000 $ 54,000
Berkeley, South Carolina 1 $ 187,000 $ 187,000 $ 54,000
Florence, South Carolina 1 $ 212,000 $ 212,000 $ 81,000
Horry, South Carolina 1 $ 84,000 $ 84,000 $ 204,000
Williamson, Tennessee 1 $ 300,000 $ 300,000 $ 213,000
Bell, Texas 1 $ 115,000 $ 115,000 $ 12,000
Bexar, Texas 1 $ 175,000 $ 175,000 $ 78,000
Calhoun, Texas 1 $ 125,000 $ 125,000 $ 132,000
Henderson, Texas 1 $ 417,000 $ 417,000 $ 210,000
Kerr, Texas 1 $ 61,000 $ 61,000 $ 20,000
Wise, Texas 1 $ 175,000 $ 175,000 $ 117,000
Salt Lake, Utah 1 $ 321,000 $ 321,000 $ 75,000
Arlington, Virginia 1 $ 180,000 $ 180,000 $ 123,000
Fairfax, Virginia 1 $ 15,000 $ 15,000 $ 144,000
Montgomery, Virginia 1 $ 328,000 $ 328,000 $ 155,000
Prince William, Virginia 1 $ 100,000 $ 100,000 $ 0
Virginia Beach, Virginia 1 $ 235,000 $ 235,000 $ 119,000
Jefferson, Washington 1 $ 175,000 $ 175,000 $ 515,000
King, Washington 1 $ 700,000 $ 700,000 $ 241,000
Pacific, Washington 1 $ 65,000 $ 65,000 $ 31,000
Thurston, Washington 1 $ 218,000 $ 218,000 $ 121,000
Teton, Wyoming 1 $ 417,000 $ 417,000 $ 207,000

Mortgage Loan Application Detail Totals for Xceed Financial in 2011

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 773 $151,653,000 $196,000 $1,224,000 $103,000 $900,000
Home Purchase 143 $29,845,000 $208,000 $1,464,000 $116,000 $1,101,000
Home Improvement 43 $4,506,000 $104,000 $620,000 $94,000 $210,000

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 489 $90,310,000 $184,000 $1,178,000 $107,000 $450,000
Not Provided 306 $60,832,000 $198,000 $1,464,000 $118,000 $1,101,000
Black or African American 51 $7,415,000 $145,000 $612,000 $100,000 $328,000
Not applicable 45 $14,293,000 $317,000 $1,070,000 $0 $0
Hispanic 37 $6,465,000 $174,000 $519,000 $90,000 $498,000
Asian 29 $6,135,000 $211,000 $620,000 $111,000 $246,000
American Indian or Alaskan Native 1 $137,000 $137,000 $137,000 $132,000 $132,000
Native Hawaiian or Other Pacific Islander 1 $417,000 $417,000 $417,000 $123,000 $123,000

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) 959 $186,004,000 $193,000 $1,464,000 $104,000 $1,101,000
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
Loan Originated 605 $116,843,000 $193,000 $1,464,000 $104,000 $1,101,000
File Closed For Incompleteness 175 $32,190,000 $183,000 $790,000 $121,000 $515,000
Application Denied By Financial Institution 96 $18,868,000 $196,000 $1,085,000 $64,000 $264,000
Application Withdrawn By Applicant 69 $15,749,000 $228,000 $1,178,000 $119,000 $900,000
Application Approved But Not Accepted 14 $2,354,000 $168,000 $417,000 $102,000 $207,000
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
Credit History 28 $3,554,000 $126,000 $304,000 $69,000 $173,000
Debt-To-Income Ratio 26 $6,086,000 $234,000 $1,085,000 $53,000 $191,000
Collateral 3 $600,000 $200,000 $389,000 $79,000 $110,000
Other 2 $202,000 $101,000 $135,000 $110,000 $111,000
Employment History 2 $112,000 $56,000 $56,000 $73,000 $121,000
Unverifiable Information 1 $110,000 $110,000 $110,000 $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

Our comprehensive HMDA mortgage statistics provide invaluable insights into Xceed Financial's 2011 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 Xceed Financial'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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