Xceed Financial Mortgage Lending & HMDA Data, 2017
In 2017, Xceed Financial of El Segundo, CA reported 786 mortgage applications totaling $214.9 million, down 20% from 2016. The average application was for $273,394, and applicants reported an average income of $102,893. 50% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Rochester, NY (211), Los Angeles-Long Beach-Glendale, CA (152) and Newark, NJ-PA (25) (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 | 786 |
| Total Mortgage Loan Application Amount | $214,888,000 |
| Average Mortgage Loan Application Amount | $273,394 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $102,893 |
| Highest Applicant Income | $714,000 |
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Act (HMDA) records Xceed Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rochester, NY | 211 | $ 24,158,000 | $ 114,492 | $ 84,000 |
| Los Angeles-Long Beach-Glendale, CA | 152 | $ 59,953,000 | $ 394,427 | $ 130,000 |
| Newark, NJ-PA | 25 | $ 5,362,000 | $ 214,480 | $ 97,880 |
| Dallas-Plano-Irving, TX | 20 | $ 4,681,000 | $ 234,050 | $ 114,000 |
| Riverside-San Bernardino-Ontario, CA | 20 | $ 5,480,000 | $ 274,000 | $ 107,000 |
| Anaheim-Santa Ana-Irvine, CA | 18 | $ 9,827,000 | $ 545,944 | $ 132,000 |
| Oakland-Hayward-Berkeley, CA | 16 | $ 8,662,000 | $ 541,375 | $ 149,000 |
| San Francisco-Redwood City-South San Francisco, CA | 14 | $ 14,919,000 | $ 1,065,642 | $ 150,000 |
| New York-Jersey City-White Plains, NY-NJ | 13 | $ 2,376,000 | $ 182,769 | $ 110,307 |
| Harrisburg-Carlisle, PA | 12 | $ 1,532,000 | $ 127,666 | $ 60,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 7,742,000 | $ 703,818 | $ 155,000 |
| Raleigh, NC | 10 | $ 1,766,000 | $ 176,600 | $ 90,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 1,900,000 | $ 211,111 | $ 117,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 8 | $ 1,680,000 | $ 210,000 | $ 89,625 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,281,000 | $ 160,125 | $ 106,000 |
| Chicago-Naperville-Arlington Heights, IL | 7 | $ 1,107,000 | $ 158,142 | $ 70,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 1,447,000 | $ 206,714 | $ 65,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 1,827,000 | $ 261,000 | $ 90,000 |
| Lebanon, PA | 6 | $ 517,000 | $ 86,166 | $ 67,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,275,000 | $ 212,500 | $ 39,000 |
| San Diego-Carlsbad, CA | 6 | $ 7,597,000 | $ 1,266,166 | $ 84,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 893,000 | $ 148,833 | $ 69,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 5 | $ 1,146,000 | $ 229,200 | $ 123,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,247,000 | $ 249,400 | $ 142,000 |
| Greensboro-High Point, NC | 5 | $ 782,000 | $ 156,400 | $ 85,000 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 922,000 | $ 184,400 | $ 107,000 |
| Stockton-Lodi, CA | 4 | $ 1,021,000 | $ 255,250 | $ 84,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,462,000 | $ 487,333 | $ 64,000 |
| New Orleans-Metairie, LA | 3 | $ 292,000 | $ 97,333 | $ 50,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 453,000 | $ 151,000 | $ 126,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 245,000 | $ 81,666 | $ 56,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,184,000 | $ 394,666 | $ 218,000 |
| Bakersfield, CA | 2 | $ 348,000 | $ 174,000 | $ 59,000 |
| Boise City, ID | 2 | $ 1,878,000 | $ 939,000 | $ 29,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,518,000 | $ 759,000 | $ 323,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 514,000 | $ 257,000 | $ 15,000 |
| Cleveland-Elyria, OH | 2 | $ 72,000 | $ 36,000 | $ 55,000 |
| East Stroudsburg, PA | 2 | $ 526,000 | $ 263,000 | $ 55,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 141,000 | $ 70,500 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 580,000 | $ 290,000 | $ 114,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 655,000 | $ 327,500 | $ 152,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 340,000 | $ 170,000 | $ 63,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 333,000 | $ 166,500 | $ 90,000 |
| Salem, OR | 2 | $ 257,000 | $ 128,500 | $ 78,000 |
| Salisbury, MD-DE | 2 | $ 256,000 | $ 128,000 | $ 43,000 |
| Salt Lake City, UT | 2 | $ 1,025,000 | $ 512,500 | $ 0 |
| Syracuse, NY | 2 | $ 494,000 | $ 247,000 | $ 85,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 308,000 | $ 154,000 | $ 111,000 |
| Winston-Salem, NC | 2 | $ 162,000 | $ 81,000 | $ 76,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Amarillo, TX | 1 | $ 40,000 | $ 40,000 | $ 1,000 |
| Ann Arbor, MI | 1 | $ 256,000 | $ 256,000 | $ 97,000 |
| Asheville, NC | 1 | $ 39,000 | $ 39,000 | $ 63,000 |
| Austin-Round Rock, TX | 1 | $ 210,000 | $ 210,000 | $ 52,000 |
| Bend-Redmond, OR | 1 | $ 90,000 | $ 90,000 | $ 415,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 255,000 | $ 255,000 | $ 243,000 |
| Camden, NJ | 1 | $ 1,000 | $ 1,000 | $ 1,000 |
| Charleston-North Charleston, SC | 1 | $ 39,000 | $ 39,000 | $ 47,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 194,000 | $ 194,000 | $ 135,000 |
| Columbus, OH | 1 | $ 130,000 | $ 130,000 | $ 88,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 60,000 | $ 60,000 | $ 14,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 181,000 | $ 181,000 | $ 78,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 270,000 | $ 270,000 | $ 156,000 |
| Durham-Chapel Hill, NC | 1 | $ 160,000 | $ 160,000 | $ 172,000 |
| Fort Smith, AR-OK | 1 | $ 260,000 | $ 260,000 | $ 200,000 |
| Gary, IN | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Glens Falls, NY | 1 | $ 128,000 | $ 128,000 | $ 72,000 |
| Ithaca, NY | 1 | $ 211,000 | $ 211,000 | $ 117,000 |
| Jacksonville, FL | 1 | $ 380,000 | $ 380,000 | $ 123,000 |
| Jefferson City, MO | 1 | $ 122,000 | $ 122,000 | $ 65,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 450,000 | $ 450,000 | $ 95,000 |
| Kansas City, MO-KS | 1 | $ 124,000 | $ 124,000 | $ 54,000 |
| Knoxville, TN | 1 | $ 128,000 | $ 128,000 | $ 91,000 |
| Las Cruces, NM | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Manchester-Nashua, NH | 1 | $ 304,000 | $ 304,000 | $ 200,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 44,000 | $ 44,000 | $ 45,000 |
| Modesto, CA | 1 | $ 232,000 | $ 232,000 | $ 50,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 336,000 | $ 336,000 | $ 135,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 450,000 | $ 450,000 | $ 130,000 |
| Nassau County-Suffolk County, NY | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| New Bern, NC | 1 | $ 104,000 | $ 104,000 | $ 96,000 |
| Ocala, FL | 1 | $ 110,000 | $ 110,000 | $ 57,000 |
| Ogden-Clearfield, UT | 1 | $ 2,522,000 | $ 2,522,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 872,000 | $ 872,000 | $ 178,000 |
| Peoria, IL | 1 | $ 24,000 | $ 24,000 | $ 66,000 |
| Pittsburgh, PA | 1 | $ 119,000 | $ 119,000 | $ 159,000 |
| Port St. Lucie, FL | 1 | $ 190,000 | $ 190,000 | $ 52,000 |
| Prescott, AZ | 1 | $ 156,000 | $ 156,000 | $ 172,000 |
| Punta Gorda, FL | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Reno, NV | 1 | $ 185,000 | $ 185,000 | $ 134,000 |
| Roanoke, VA | 1 | $ 367,000 | $ 367,000 | $ 305,000 |
| Salinas, CA | 1 | $ 2,300,000 | $ 2,300,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 87,000 | $ 87,000 | $ 58,000 |
| Santa Rosa, CA | 1 | $ 466,000 | $ 466,000 | $ 185,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| St. Louis, MO-IL | 1 | $ 660,000 | $ 660,000 | $ 219,000 |
| Tacoma-Lakewood, WA | 1 | $ 169,000 | $ 169,000 | $ 169,000 |
| The Villages, FL | 1 | $ 163,000 | $ 163,000 | $ 150,000 |
| Toledo, OH | 1 | $ 349,000 | $ 349,000 | $ 1,000 |
| Tulsa, OK | 1 | $ 135,000 | $ 135,000 | $ 128,000 |
| Tyler, TX | 1 | $ 131,000 | $ 131,000 | $ 77,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 40,000 | $ 40,000 | $ 1,000 |
| York-Hanover, PA | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 128,000 | $ 128,000 | $ 29,000 |
| Yuma, AZ | 1 | $ 101,000 | $ 101,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Xceed Financial in 2017
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 | 476 | $140,589,000 | $295,000 | $3,750,000 | $97,000 | $714,000 |
| Home Purchase | 228 | $64,683,000 | $283,000 | $1,950,000 | $113,000 | $405,000 |
| Home Improvement | 82 | $9,616,000 | $117,000 | $515,000 | $109,000 | $557,000 |
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 | 327 | $72,821,000 | $222,000 | $3,146,000 | $102,000 | $714,000 |
| Not Provided | 284 | $94,723,000 | $333,000 | $3,750,000 | $104,000 | $557,000 |
| Hispanic | 69 | $19,991,000 | $289,000 | $1,950,000 | $94,000 | $198,000 |
| Black or African American | 60 | $10,794,000 | $179,000 | $785,000 | $89,000 | $301,000 |
| Asian | 41 | $15,670,000 | $382,000 | $1,813,000 | $139,000 | $408,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $296,000 | $98,000 | $128,000 | $96,000 | $130,000 |
| American Indian or Alaskan Native | 2 | $593,000 | $296,000 | $491,000 | $136,000 | $184,000 |
| 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) | 786 | $214,888,000 | $273,000 | $3,750,000 | $103,000 | $714,000 |
| 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 | 396 | $124,192,000 | $313,000 | $3,750,000 | $112,000 | $426,000 |
| Application Denied By Financial Institution | 179 | $37,454,000 | $209,000 | $2,320,000 | $88,000 | $557,000 |
| Application Withdrawn By Applicant | 149 | $39,375,000 | $264,000 | $2,455,000 | $103,000 | $557,000 |
| File Closed For Incompleteness | 35 | $6,992,000 | $199,000 | $741,000 | $68,000 | $220,000 |
| Application Approved But Not Accepted | 20 | $5,496,000 | $274,000 | $1,866,000 | $136,000 | $714,000 |
| Preapproval Approved but not Accepted | 7 | $1,379,000 | $197,000 | $315,000 | $94,000 | $150,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 69 | $18,215,000 | $263,000 | $2,320,000 | $69,000 | $252,000 |
| Credit History | 54 | $9,892,000 | $183,000 | $808,000 | $97,000 | $269,000 |
| Other | 27 | $5,079,000 | $188,000 | $847,000 | $101,000 | $444,000 |
| Collateral | 18 | $2,014,000 | $111,000 | $540,000 | $111,000 | $415,000 |
| Credit Application Incomplete | 3 | $475,000 | $158,000 | $395,000 | $217,000 | $557,000 |
| Employment History | 3 | $774,000 | $258,000 | $491,000 | $62,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $301,000 | $100,000 | $155,000 | $47,000 | $72,000 |
| Mortgage Insurance Denied | 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 2017 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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