Xceed Financial Mortgage Lending & HMDA Data, 2019
In 2019, Xceed Financial of El Segundo, CA reported 900 mortgage applications totaling $209.1 million, up 10% from 2018. The average application was for $232,288, and applicants reported an average income of $112,752. 34% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Rochester, NY (242), Los Angeles-Long Beach-Glendale, CA (104) and Dallas-Plano-Irving, TX (14) (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 | 900 |
| Total Mortgage Loan Application Amount | $209,060,000 |
| Average Mortgage Loan Application Amount | $232,288 |
| Highest Mortgage Loan Application Amount | $3,255,000 |
| Average Applicant Income | $112,752 |
| Highest Applicant Income | $4,023,000 |
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Act (HMDA) records Xceed Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 193 | $ 18,975,000 | $ 98,316 | $ 79,000 |
| Los Angeles, California | 104 | $ 43,620,000 | $ 419,423 | $ 137,000 |
| Wayne, New York | 30 | $ 3,530,000 | $ 117,666 | $ 83,000 |
| Ontario, New York | 11 | $ 1,955,000 | $ 177,727 | $ 89,000 |
| Maricopa, Arizona | 10 | $ 2,300,000 | $ 230,000 | $ 98,000 |
| Orange, California | 10 | $ 2,850,000 | $ 285,000 | $ 119,000 |
| Santa Clara, California | 8 | $ 5,540,000 | $ 692,500 | $ 604,000 |
| San Mateo, California | 7 | $ 7,395,000 | $ 1,056,428 | $ 253,000 |
| Alameda, California | 6 | $ 2,100,000 | $ 350,000 | $ 131,000 |
| Riverside, California | 6 | $ 2,010,000 | $ 335,000 | $ 191,000 |
| San Bernardino, California | 6 | $ 1,290,000 | $ 215,000 | $ 87,000 |
| Erie, New York | 6 | $ 1,220,000 | $ 203,333 | $ 254,000 |
| Livingston, New York | 6 | $ 710,000 | $ 118,333 | $ 128,000 |
| Denton, Texas | 6 | $ 1,720,000 | $ 286,666 | $ 64,000 |
| Cook, Illinois | 5 | $ 985,000 | $ 197,000 | $ 65,000 |
| Morris, New Jersey | 5 | $ 1,075,000 | $ 215,000 | $ 119,000 |
| Wake, North Carolina | 5 | $ 675,000 | $ 135,000 | $ 69,000 |
| Dallas, Texas | 5 | $ 915,000 | $ 183,000 | $ 95,000 |
| Grayson, Texas | 5 | $ 1,365,000 | $ 273,000 | $ 116,000 |
| San Diego, California | 4 | $ 3,490,000 | $ 872,500 | $ 1,440,000 |
| Ventura, California | 4 | $ 710,000 | $ 177,500 | $ 100,000 |
| Hillsborough, Florida | 4 | $ 610,000 | $ 152,500 | $ 126,000 |
| Palm Beach, Florida | 4 | $ 660,000 | $ 165,000 | $ 79,000 |
| Clark, Nevada | 4 | $ 1,270,000 | $ 317,500 | $ 118,000 |
| Harris, Texas | 4 | $ 440,000 | $ 110,000 | $ 54,000 |
| Contra Costa, California | 3 | $ 725,000 | $ 241,666 | $ 134,000 |
| San Francisco, California | 3 | $ 2,935,000 | $ 978,333 | $ 300,000 |
| Stanislaus, California | 3 | $ 825,000 | $ 275,000 | $ 94,000 |
| Adams, Colorado | 3 | $ 2,645,000 | $ 881,666 | $ 179,000 |
| Lee, Florida | 3 | $ 365,000 | $ 121,666 | $ 149,000 |
| Pinellas, Florida | 3 | $ 275,000 | $ 91,666 | $ 23,000 |
| McHenry, Illinois | 3 | $ 935,000 | $ 311,666 | $ 159,000 |
| Bergen, New Jersey | 3 | $ 845,000 | $ 281,666 | $ 151,000 |
| Sussex, New Jersey | 3 | $ 285,000 | $ 95,000 | $ 113,000 |
| Westchester, New York | 3 | $ 985,000 | $ 328,333 | $ 125,000 |
| Mecklenburg, North Carolina | 3 | $ 485,000 | $ 161,666 | $ 72,000 |
| Dauphin, Pennsylvania | 3 | $ 265,000 | $ 88,333 | $ 62,000 |
| Charleston, South Carolina | 3 | $ 975,000 | $ 325,000 | $ 126,000 |
| Collin, Texas | 3 | $ 615,000 | $ 205,000 | $ 96,000 |
| Tarrant, Texas | 3 | $ 515,000 | $ 171,666 | $ 83,000 |
| Salt Lake, Utah | 3 | $ 5,125,000 | $ 1,708,333 | $ 406,000 |
| Napa, California | 2 | $ 970,000 | $ 485,000 | $ 169,000 |
| Teller, Colorado | 2 | $ 330,000 | $ 165,000 | $ 101,000 |
| New Castle, Delaware | 2 | $ 160,000 | $ 80,000 | $ 65,000 |
| Sussex, Delaware | 2 | $ 650,000 | $ 325,000 | $ 119,000 |
| Broward, Florida | 2 | $ 530,000 | $ 265,000 | $ 110,000 |
| Miami-Dade, Florida | 2 | $ 330,000 | $ 165,000 | $ 74,000 |
| Pasco, Florida | 2 | $ 290,000 | $ 145,000 | $ 49,000 |
| Volusia, Florida | 2 | $ 180,000 | $ 90,000 | $ 55,000 |
| Gwinnett, Georgia | 2 | $ 480,000 | $ 240,000 | $ 89,000 |
| Kane, Illinois | 2 | $ 560,000 | $ 280,000 | $ 168,000 |
| Barnstable, Massachusetts | 2 | $ 320,000 | $ 160,000 | $ 200,000 |
| Hennepin, Minnesota | 2 | $ 330,000 | $ 165,000 | $ 75,000 |
| Passaic, New Jersey | 2 | $ 840,000 | $ 420,000 | $ 158,000 |
| Union, New Jersey | 2 | $ 330,000 | $ 165,000 | $ 63,000 |
| Chautauqua, New York | 2 | $ 150,000 | $ 75,000 | $ 49,000 |
| Cortland, New York | 2 | $ 150,000 | $ 75,000 | $ 99,000 |
| Nassau, New York | 2 | $ 380,000 | $ 190,000 | $ 113,000 |
| Onondaga, New York | 2 | $ 240,000 | $ 120,000 | $ 104,000 |
| Orleans, New York | 2 | $ 200,000 | $ 100,000 | $ 69,000 |
| Suffolk, New York | 2 | $ 360,000 | $ 180,000 | $ 122,000 |
| Cabarrus, North Carolina | 2 | $ 160,000 | $ 80,000 | $ 65,000 |
| Durham, North Carolina | 2 | $ 370,000 | $ 185,000 | $ 85,000 |
| Gaston, North Carolina | 2 | $ 350,000 | $ 175,000 | $ 88,000 |
| Guilford, North Carolina | 2 | $ 120,000 | $ 60,000 | $ 49,000 |
| Harnett, North Carolina | 2 | $ 300,000 | $ 150,000 | $ 30,000 |
| Lincoln, Oregon | 2 | $ 140,000 | $ 70,000 | $ 81,000 |
| Lancaster, South Carolina | 2 | $ 430,000 | $ 215,000 | $ 106,000 |
| El Paso, Texas | 2 | $ 100,000 | $ 50,000 | $ 44,000 |
| Fort Bend, Texas | 2 | $ 350,000 | $ 175,000 | $ 75,000 |
| Wasatch, Utah | 2 | $ 1,360,000 | $ 680,000 | $ 501,000 |
| Amador, California | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Fresno, California | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| Madera, California | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| Monterey, California | 1 | $ 735,000 | $ 735,000 | $ 157,000 |
| Placer, California | 1 | $ 445,000 | $ 445,000 | $ 109,000 |
| Sonoma, California | 1 | $ 565,000 | $ 565,000 | $ 138,000 |
| Arapahoe, Colorado | 1 | $ 1,615,000 | $ 1,615,000 | $ 1,170,000 |
| Denver, Colorado | 1 | $ 525,000 | $ 525,000 | $ 110,000 |
| Jefferson, Colorado | 1 | $ 305,000 | $ 305,000 | $ 131,000 |
| Fairfield, Connecticut | 1 | $ 185,000 | $ 185,000 | $ 98,000 |
| Indian River, Florida | 1 | $ 105,000 | $ 105,000 | $ 220,000 |
| Martin, Florida | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Orange, Florida | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Osceola, Florida | 1 | $ 615,000 | $ 615,000 | $ 152,000 |
| Santa Rosa, Florida | 1 | $ 355,000 | $ 355,000 | $ 304,000 |
| Clayton, Georgia | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Cobb, Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Douglas, Georgia | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Ada, Idaho | 1 | $ 405,000 | $ 405,000 | $ 294,000 |
| Hendricks, Indiana | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| LaPorte, Indiana | 1 | $ 275,000 | $ 275,000 | $ 269,000 |
| Livingston, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Red River, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 225,000 | $ 225,000 | $ 153,000 |
| Montgomery, Maryland | 1 | $ 765,000 | $ 765,000 | $ 294,000 |
| Prince George's, Maryland | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| St. Mary's, Maryland | 1 | $ 235,000 | $ 235,000 | $ 50,000 |
| Madison, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Washington, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 109,000 |
| Douglas, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Camden, New Jersey | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Essex, New Jersey | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Middlesex, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 35,000 | $ 35,000 | $ 124,000 |
| Somerset, New Jersey | 1 | $ 185,000 | $ 185,000 | $ 350,000 |
| Warren, New Jersey | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Genesee, New York | 1 | $ 75,000 | $ 75,000 | $ 158,000 |
| Jefferson, New York | 1 | $ 115,000 | $ 115,000 | $ 15,000 |
| Oswego, New York | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Steuben, New York | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Chatham, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 202,000 |
| New Hanover, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Belmont, Ohio | 1 | $ 25,000 | $ 25,000 | $ 137,000 |
| Cuyahoga, Ohio | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Franklin, Ohio | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Hancock, Ohio | 1 | $ 335,000 | $ 335,000 | $ 187,000 |
| Lorain, Ohio | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Lucas, Ohio | 1 | $ 345,000 | $ 345,000 | $ 212,000 |
| Tuscarawas, Ohio | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Cleveland, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Marion, Oregon | 1 | $ 45,000 | $ 45,000 | $ 88,000 |
| Washington, Oregon | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Bucks, Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 340,000 |
| Carbon, Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 215,000 |
| Chester, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 142,000 |
| Lancaster, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 159,000 |
| York, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Newport, Rhode Island | 1 | $ 655,000 | $ 655,000 | $ 135,000 |
| Lexington, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Spartanburg, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Williamson, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Brazos, Texas | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Galveston, Texas | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Hays, Texas | 1 | $ 625,000 | $ 625,000 | $ 308,000 |
| Montague, Texas | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Montgomery, Texas | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Starr, Texas | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Williamson, Texas | 1 | $ 1,505,000 | $ 1,505,000 | $ 764,000 |
| Fairfax, Virginia | 1 | $ 335,000 | $ 335,000 | $ 267,000 |
| Loudoun, Virginia | 1 | $ 475,000 | $ 475,000 | $ 167,000 |
| Stevens, Washington | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Xceed Financial in 2019
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 | 440 | $105,480,000 | $239,000 | $1,355,000 | $107,000 | $2,774,000 |
| Cash-out Refinancing | 228 | $65,380,000 | $286,000 | $3,255,000 | $130,000 | $4,023,000 |
| Home Improvement | 108 | $6,060,000 | $56,000 | $235,000 | $89,000 | $402,000 |
| Refinancing | 103 | $29,795,000 | $289,000 | $3,235,000 | $124,000 | $883,000 |
| Other Purpose | 21 | $2,345,000 | $111,000 | $575,000 | $113,000 | $350,000 |
| Not Applicable | 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 | 491 | $105,605,000 | $215,000 | $3,255,000 | $112,000 | $4,023,000 |
| Not Provided | 168 | $50,030,000 | $297,000 | $1,805,000 | $121,000 | $2,592,000 |
| Hispanic | 99 | $21,945,000 | $221,000 | $995,000 | $100,000 | $758,000 |
| Black or African American | 96 | $15,280,000 | $159,000 | $725,000 | $72,000 | $249,000 |
| Asian | 36 | $12,930,000 | $359,000 | $2,025,000 | $141,000 | $461,000 |
| American Indian or Alaskan Native | 3 | $885,000 | $295,000 | $475,000 | $64,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $695,000 | $695,000 | $695,000 | $191,000 | $191,000 |
| 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) | 900 | $209,060,000 | $232,000 | $3,255,000 | $112,000 | $4,023,000 |
| 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 | 304 | $78,510,000 | $258,000 | $3,255,000 | $153,000 | $4,023,000 |
| Preapproval Approved but not Accepted | 193 | $45,255,000 | $234,000 | $1,005,000 | $112,000 | $2,592,000 |
| Application Withdrawn By Applicant | 153 | $34,235,000 | $223,000 | $1,885,000 | $98,000 | $400,000 |
| Application Denied By Financial Institution | 98 | $22,400,000 | $228,000 | $3,235,000 | $86,000 | $510,000 |
| Preapproval Denied by Financial Institution | 97 | $14,115,000 | $145,000 | $725,000 | $59,000 | $249,000 |
| File Closed For Incompleteness | 45 | $12,135,000 | $269,000 | $1,275,000 | $63,000 | $288,000 |
| Application Approved But Not Accepted | 10 | $2,410,000 | $241,000 | $715,000 | $102,000 | $207,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 705 | $172,545,000 | $244,000 | $3,255,000 | $124,000 | $4,023,000 |
| Debt-To-Income Ratio | 89 | $22,325,000 | $250,000 | $3,235,000 | $71,000 | $510,000 |
| Credit History | 78 | $11,240,000 | $144,000 | $725,000 | $71,000 | $360,000 |
| Other | 11 | $635,000 | $57,000 | $155,000 | $56,000 | $121,000 |
| Collateral | 9 | $975,000 | $108,000 | $285,000 | $98,000 | $223,000 |
| Credit Application Incomplete | 4 | $860,000 | $215,000 | $475,000 | $104,000 | $146,000 |
| Unverifiable Information | 4 | $480,000 | $120,000 | $185,000 | $80,000 | $152,000 |
| Employment History | 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 2019 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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