Xceed Financial Mortgage Lending & HMDA Data, 2012
In 2012, Xceed Financial of El Segundo, CA reported 788 mortgage applications totaling $179.0 million, down 18% from 2011. The average application was for $227,200, and applicants reported an average income of $114,947. 59% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Rochester, NY (289), Los Angeles-Long Beach-Glendale, CA (118) and Dallas-Plano-Irving, TX (68) (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 | 788 |
| Total Mortgage Loan Application Amount | $179,034,000 |
| Average Mortgage Loan Application Amount | $227,200 |
| Highest Mortgage Loan Application Amount | $2,240,000 |
| Average Applicant Income | $114,947 |
| Highest Applicant Income | $1,851,000 |
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Act (HMDA) records Xceed Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 227 | $ 29,937,000 | $ 131,881 | $ 94,000 |
| Los Angeles, California | 118 | $ 50,203,000 | $ 425,449 | $ 116,000 |
| Wayne, New York | 48 | $ 4,969,000 | $ 103,520 | $ 88,000 |
| Orange, California | 40 | $ 20,773,000 | $ 519,325 | $ 227,000 |
| Denton, Texas | 39 | $ 4,918,000 | $ 126,102 | $ 97,000 |
| Dallas, Texas | 21 | $ 2,828,000 | $ 134,666 | $ 113,000 |
| Santa Clara, California | 19 | $ 7,443,000 | $ 391,736 | $ 135,000 |
| Morris, New Jersey | 16 | $ 4,133,000 | $ 258,312 | $ 137,000 |
| Tarrant, Texas | 12 | $ 1,734,000 | $ 144,500 | $ 93,000 |
| Ontario, New York | 10 | $ 1,463,000 | $ 146,300 | $ 94,000 |
| Riverside, California | 9 | $ 2,362,000 | $ 262,444 | $ 192,000 |
| Cook, Illinois | 9 | $ 2,281,000 | $ 253,444 | $ 155,000 |
| Fairfield, Connecticut | 8 | $ 2,033,000 | $ 254,125 | $ 92,000 |
| Bexar, Texas | 8 | $ 2,030,000 | $ 253,750 | $ 257,000 |
| Collin, Texas | 7 | $ 1,235,000 | $ 176,428 | $ 121,000 |
| Erie, New York | 5 | $ 437,000 | $ 87,400 | $ 32,000 |
| Maricopa, Arizona | 4 | $ 911,000 | $ 227,750 | $ 68,000 |
| Alameda, California | 4 | $ 2,061,000 | $ 515,250 | $ 121,000 |
| Will, Illinois | 4 | $ 1,055,000 | $ 263,750 | $ 150,000 |
| Jefferson, Louisiana | 4 | $ 433,000 | $ 108,250 | $ 61,000 |
| Bergen, New Jersey | 4 | $ 836,000 | $ 209,000 | $ 99,000 |
| Livingston, New York | 4 | $ 364,000 | $ 91,000 | $ 88,000 |
| Contra Costa, California | 3 | $ 656,000 | $ 218,666 | $ 106,000 |
| Ventura, California | 3 | $ 1,811,000 | $ 603,666 | $ 241,000 |
| Hunterdon, New Jersey | 3 | $ 536,000 | $ 178,666 | $ 207,000 |
| Monmouth, New Jersey | 3 | $ 590,000 | $ 196,666 | $ 65,000 |
| Somerset, New Jersey | 3 | $ 453,000 | $ 151,000 | $ 146,000 |
| Sussex, New Jersey | 3 | $ 470,000 | $ 156,666 | $ 76,000 |
| Clackamas, Oregon | 3 | $ 467,000 | $ 155,666 | $ 199,000 |
| Multnomah, Oregon | 3 | $ 367,000 | $ 122,333 | $ 179,000 |
| Fort Bend, Texas | 3 | $ 827,000 | $ 275,666 | $ 155,000 |
| King, Washington | 3 | $ 831,000 | $ 277,000 | $ 130,000 |
| Mohave, Arizona | 2 | $ 152,000 | $ 76,000 | $ 66,000 |
| Pima, Arizona | 2 | $ 225,000 | $ 112,500 | $ 64,000 |
| Calaveras, California | 2 | $ 446,000 | $ 223,000 | $ 98,000 |
| Mono, California | 2 | $ 140,000 | $ 70,000 | $ 54,000 |
| San Diego, California | 2 | $ 150,000 | $ 75,000 | $ 42,000 |
| San Mateo, California | 2 | $ 835,000 | $ 417,500 | $ 101,000 |
| Lee, Florida | 2 | $ 208,000 | $ 104,000 | $ 197,000 |
| Osceola, Florida | 2 | $ 30,000 | $ 15,000 | $ 27,000 |
| Palm Beach, Florida | 2 | $ 437,000 | $ 218,500 | $ 126,000 |
| Cherokee, Georgia | 2 | $ 169,000 | $ 84,500 | $ 68,000 |
| Fulton, Georgia | 2 | $ 345,000 | $ 172,500 | $ 168,000 |
| DuPage, Illinois | 2 | $ 195,000 | $ 97,500 | $ 85,000 |
| Hennepin, Minnesota | 2 | $ 326,000 | $ 163,000 | $ 96,000 |
| Hinds, Mississippi | 2 | $ 99,000 | $ 49,500 | $ 82,000 |
| St. Louis, Missouri | 2 | $ 106,000 | $ 53,000 | $ 49,000 |
| Ocean, New Jersey | 2 | $ 141,000 | $ 70,500 | $ 44,000 |
| Union, New Jersey | 2 | $ 248,000 | $ 124,000 | $ 90,000 |
| Niagara, New York | 2 | $ 140,000 | $ 70,000 | $ 111,000 |
| Mecklenburg, North Carolina | 2 | $ 374,000 | $ 187,000 | $ 99,000 |
| Philadelphia, Pennsylvania | 2 | $ 689,000 | $ 344,500 | $ 221,000 |
| Harris, Texas | 2 | $ 1,014,000 | $ 507,000 | $ 403,000 |
| Travis, Texas | 2 | $ 460,000 | $ 230,000 | $ 216,000 |
| Wise, Texas | 2 | $ 301,000 | $ 150,500 | $ 90,000 |
| Coconino, Arizona | 1 | $ 224,000 | $ 224,000 | $ 48,000 |
| Pinal, Arizona | 1 | $ 94,000 | $ 94,000 | $ 201,000 |
| El Dorado, California | 1 | $ 200,000 | $ 200,000 | $ 121,000 |
| Kern, California | 1 | $ 70,000 | $ 70,000 | $ 102,000 |
| Merced, California | 1 | $ 120,000 | $ 120,000 | $ 154,000 |
| Monterey, California | 1 | $ 1,920,000 | $ 1,920,000 | $ 0 |
| Sacramento, California | 1 | $ 157,000 | $ 157,000 | $ 39,000 |
| San Francisco, California | 1 | $ 1,295,000 | $ 1,295,000 | $ 1,784,000 |
| San Joaquin, California | 1 | $ 160,000 | $ 160,000 | $ 104,000 |
| Shasta, California | 1 | $ 250,000 | $ 250,000 | $ 80,000 |
| Tulare, California | 1 | $ 66,000 | $ 66,000 | $ 34,000 |
| Adams, Colorado | 1 | $ 262,000 | $ 262,000 | $ 113,000 |
| Denver, Colorado | 1 | $ 140,000 | $ 140,000 | $ 57,000 |
| Douglas, Colorado | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Garfield, Colorado | 1 | $ 51,000 | $ 51,000 | $ 52,000 |
| La Plata, Colorado | 1 | $ 170,000 | $ 170,000 | $ 44,000 |
| Larimer, Colorado | 1 | $ 348,000 | $ 348,000 | $ 155,000 |
| Pitkin, Colorado | 1 | $ 653,000 | $ 653,000 | $ 145,000 |
| Summit, Colorado | 1 | $ 77,000 | $ 77,000 | $ 305,000 |
| Sussex, Delaware | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Brevard, Florida | 1 | $ 70,000 | $ 70,000 | $ 121,000 |
| Collier, Florida | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Hillsborough, Florida | 1 | $ 144,000 | $ 144,000 | $ 78,000 |
| Lake, Florida | 1 | $ 1,040,000 | $ 1,040,000 | $ 229,000 |
| Marion, Florida | 1 | $ 96,000 | $ 96,000 | $ 49,000 |
| Miami-Dade, Florida | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| Pinellas, Florida | 1 | $ 29,000 | $ 29,000 | $ 18,000 |
| Sarasota, Florida | 1 | $ 152,000 | $ 152,000 | $ 165,000 |
| Volusia, Florida | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Gwinnett, Georgia | 1 | $ 31,000 | $ 31,000 | $ 74,000 |
| Paulding, Georgia | 1 | $ 162,000 | $ 162,000 | $ 43,000 |
| Kane, Illinois | 1 | $ 395,000 | $ 395,000 | $ 147,000 |
| Lake, Illinois | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| LaSalle, Illinois | 1 | $ 118,000 | $ 118,000 | $ 70,000 |
| Scott, Iowa | 1 | $ 284,000 | $ 284,000 | $ 150,000 |
| Johnson, Kansas | 1 | $ 352,000 | $ 352,000 | $ 120,000 |
| Ascension, Louisiana | 1 | $ 133,000 | $ 133,000 | $ 53,000 |
| York, Maine | 1 | $ 233,000 | $ 233,000 | $ 92,000 |
| Montgomery, Maryland | 1 | $ 283,000 | $ 283,000 | $ 99,000 |
| Prince George's, Maryland | 1 | $ 193,000 | $ 193,000 | $ 64,000 |
| Jackson, Missouri | 1 | $ 295,000 | $ 295,000 | $ 73,000 |
| Carson City, Nevada | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Douglas, Nevada | 1 | $ 220,000 | $ 220,000 | $ 53,000 |
| Washoe, Nevada | 1 | $ 92,000 | $ 92,000 | $ 70,000 |
| Belknap, New Hampshire | 1 | $ 196,000 | $ 196,000 | $ 132,000 |
| Merrimack, New Hampshire | 1 | $ 206,000 | $ 206,000 | $ 140,000 |
| Atlantic, New Jersey | 1 | $ 400,000 | $ 400,000 | $ 314,000 |
| Burlington, New Jersey | 1 | $ 160,000 | $ 160,000 | $ 138,000 |
| Essex, New Jersey | 1 | $ 68,000 | $ 68,000 | $ 62,000 |
| Warren, New Jersey | 1 | $ 260,000 | $ 260,000 | $ 178,000 |
| Bernalillo, New Mexico | 1 | $ 153,000 | $ 153,000 | $ 76,000 |
| Chemung, New York | 1 | $ 142,000 | $ 142,000 | $ 97,000 |
| Richmond, New York | 1 | $ 379,000 | $ 379,000 | $ 212,000 |
| Seneca, New York | 1 | $ 69,000 | $ 69,000 | $ 39,000 |
| Steuben, New York | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Suffolk, New York | 1 | $ 300,000 | $ 300,000 | $ 83,000 |
| Guilford, North Carolina | 1 | $ 244,000 | $ 244,000 | $ 99,000 |
| Wake, North Carolina | 1 | $ 99,000 | $ 99,000 | $ 45,000 |
| Rolette, North Dakota | 1 | $ 10,000 | $ 10,000 | $ 44,000 |
| Butler, Ohio | 1 | $ 132,000 | $ 132,000 | $ 128,000 |
| Clermont, Ohio | 1 | $ 80,000 | $ 80,000 | $ 87,000 |
| Harrison, Ohio | 1 | $ 255,000 | $ 255,000 | $ 284,000 |
| Mahoning, Ohio | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Bryan, Oklahoma | 1 | $ 218,000 | $ 218,000 | $ 117,000 |
| Murray, Oklahoma | 1 | $ 340,000 | $ 340,000 | $ 71,000 |
| Lincoln, Oregon | 1 | $ 273,000 | $ 273,000 | $ 70,000 |
| Centre, Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 68,000 |
| Columbia, Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 47,000 |
| Delaware, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 151,000 |
| Washington, Rhode Island | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 24,000 |
| Greenville, South Carolina | 1 | $ 86,000 | $ 86,000 | $ 43,000 |
| Maury, Tennessee | 1 | $ 39,000 | $ 39,000 | $ 37,000 |
| Shelby, Tennessee | 1 | $ 250,000 | $ 250,000 | $ 140,000 |
| Comal, Texas | 1 | $ 49,000 | $ 49,000 | $ 57,000 |
| Ellis, Texas | 1 | $ 56,000 | $ 56,000 | $ 68,000 |
| Grayson, Texas | 1 | $ 85,000 | $ 85,000 | $ 133,000 |
| Henderson, Texas | 1 | $ 300,000 | $ 300,000 | $ 89,000 |
| Hidalgo, Texas | 1 | $ 918,000 | $ 918,000 | $ 0 |
| Nueces, Texas | 1 | $ 100,000 | $ 100,000 | $ 73,000 |
| Smith, Texas | 1 | $ 200,000 | $ 200,000 | $ 56,000 |
| Williamson, Texas | 1 | $ 240,000 | $ 240,000 | $ 75,000 |
| Wood, Texas | 1 | $ 156,000 | $ 156,000 | $ 182,000 |
| Wasatch, Utah | 1 | $ 253,000 | $ 253,000 | $ 85,000 |
| Accomack, Virginia | 1 | $ 94,000 | $ 94,000 | $ 155,000 |
| Bedford, Virginia | 1 | $ 208,000 | $ 208,000 | $ 58,000 |
| Botetourt, Virginia | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| Fairfax, Virginia | 1 | $ 132,000 | $ 132,000 | $ 53,000 |
| Richmond City, Virginia | 1 | $ 337,000 | $ 337,000 | $ 263,000 |
| Warren, Virginia | 1 | $ 131,000 | $ 131,000 | $ 71,000 |
| Berkeley, West Virginia | 1 | $ 59,000 | $ 59,000 | $ 134,000 |
| Rusk, Wisconsin | 1 | $ 33,000 | $ 33,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Xceed Financial in 2012
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 | 601 | $133,085,000 | $221,000 | $2,115,000 | $112,000 | $1,851,000 |
| Home Purchase | 141 | $39,032,000 | $276,000 | $2,240,000 | $135,000 | $1,784,000 |
| Home Improvement | 46 | $6,917,000 | $150,000 | $520,000 | $92,000 | $220,000 |
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 | 435 | $90,242,000 | $207,000 | $2,240,000 | $114,000 | $1,851,000 |
| Not Provided | 233 | $54,763,000 | $235,000 | $1,470,000 | $116,000 | $582,000 |
| Asian | 40 | $11,537,000 | $288,000 | $1,295,000 | $157,000 | $1,784,000 |
| Black or African American | 34 | $7,381,000 | $217,000 | $1,400,000 | $138,000 | $470,000 |
| Hispanic | 26 | $5,983,000 | $230,000 | $525,000 | $95,000 | $215,000 |
| Not applicable | 13 | $7,450,000 | $573,000 | $1,920,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $569,000 | $142,000 | $331,000 | $88,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,109,000 | $369,000 | $655,000 | $110,000 | $231,000 |
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) | 788 | $179,034,000 | $227,000 | $2,240,000 | $115,000 | $1,851,000 |
| 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 | 466 | $113,737,000 | $244,000 | $2,240,000 | $121,000 | $1,851,000 |
| File Closed For Incompleteness | 134 | $28,771,000 | $214,000 | $1,500,000 | $116,000 | $952,000 |
| Application Withdrawn By Applicant | 112 | $21,463,000 | $191,000 | $1,040,000 | $105,000 | $682,000 |
| Application Denied By Financial Institution | 71 | $14,047,000 | $197,000 | $1,470,000 | $88,000 | $582,000 |
| Application Approved But Not Accepted | 5 | $1,016,000 | $203,000 | $405,000 | $108,000 | $198,000 |
| 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 | 29 | $3,771,000 | $130,000 | $408,000 | $73,000 | $155,000 |
| Debt-To-Income Ratio | 17 | $4,051,000 | $238,000 | $1,470,000 | $49,000 | $157,000 |
| Collateral | 3 | $562,000 | $187,000 | $310,000 | $71,000 | $104,000 |
| Credit Application Incomplete | 2 | $411,000 | $205,000 | $318,000 | $122,000 | $154,000 |
| Mortgage Insurance Denied | 1 | $234,000 | $234,000 | $234,000 | $107,000 | $107,000 |
| Employment History | 1 | $177,000 | $177,000 | $177,000 | $125,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 Xceed Financial's 2012 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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