Adams County, WA Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 611 mortgage applications in Adams County, WA totaling $77.1 million, down 3% from 2010. The average application was for $126,000, and applicants reported an average income of $56,000. 49% of applications resulted in an originated loan and 21% were denied. The most active lender was Guild Mortgage Company, with 78 applications, followed by US Bk NA Nd and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 611
Total Mortgage Loan Application Amount $77,101,000
Average Mortgage Loan Application Amount $126,000
Highest Mortgage Loan Application Amount $3,450,000
Average Applicant Income $56,000
Highest Applicant Income $395,000

Mortgage Company List for Lending in Adams County, WA for 2011

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 78 $ 10,936,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 58 $ 4,861,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 53 $ 6,643,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 47 $ 6,071,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 36 $ 4,277,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 33 $ 4,327,000
Sterling Savings Bank
111 N WALL ST
SPOKANE, WA 99201
* $ 9,501,245,000 33 $ 4,123,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 1,017,020,000 13 $ 1,021,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 13 $ 1,323,000
Hapo Community Credit Union
7601 W CLEARWATER AVE
KENNEWICK, WA 99336
* $ 845,687,000 12 $ 1,451,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 11 $ 1,206,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 9 $ 1,160,000
Inspirus Credit Union
5200 SOUTHCENTER BLVD
SEATTLE, WA 98188
* $ 801,299,000 8 $ 91,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 411,070,000 7 $ 806,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 7 $ 1,220,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 7 $ 815,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 923,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 3,972,337,000 7 $ 1,414,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 781,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 7 $ 984,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 4,255,373,000 6 $ 839,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 1,546,329,000 5 $ 485,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ 1,459,830,000 4 $ 453,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ 1,064,524,000 4 $ 395,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 4 $ 726,000
The Legacy Group
11225 SE 6TH STREET SUITE 110
BELLEVUE, WA 98004
* $ 12,000,000 4 $ 617,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ 4,658,882,000 4 $ 4,420,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 488,000
Mortgage Advisory Group
2902 COLBY AVENUE
EVERETT, WA 98201
* $ 12,500,000 4 $ 497,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 398,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 4 $ 436,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 4 $ 401,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 3 $ 402,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 457,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 385,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 173,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 3 $ 387,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 3 $ 379,000
Cobalt Mortgage, Inc.
11241 SLATER AVE NE, SUITE 200
KIRKLAND, WA 98033
* $ 10,000,000 2 $ 216,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 224,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 193,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 2 $ 291,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 197,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 226,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 181,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 187,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 295,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 2 $ 221,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 2 $ 303,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 59,517,025,000 2 $ 161,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 132,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 2 $ 323,000
Americanwest Bank
P O BOX 105
CHEWELAH, WA 99109
* $ 1,624,110,000 2 $ 300,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 2 $ 36,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 208,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 2 $ 300,000
Cashmere Valley Bank
PO BOX G
CASHMERE, WA 98815
* $ 1,094,821,000 2 $ 202,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 1 $ 153,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 4,188,917,000 1 $ 97,000
Central Valley Bank
PO BOX 1448
YAKIMA, WA 98907
* $ 163,194,000 1 $ 25,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,166,000 1 $ 25,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 344,000
Financial Freedom Acquist. LLC
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 92,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 151,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 119,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 163,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 38,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 111,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 177,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 98,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 118,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 91,000
Taylor Morrison Home Funding, Inc.
495 N KELLER RD
MAITLAND, FL 32751
* $ 10,000,000 1 $ 75,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 180,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 69,000
dba Eagle Home Mortgage, LLC
700 NW 107TH AVENUE, 3RD FOOR
MIAMI, FL 33172
* $ 10,000,000 1 $ 96,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 146,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 223,000
Penrith Home Loans

MODESTO, CA 95350
* $ 8,526,000 1 $ 99,000
Baker Boyer National Bank
7 W. MAIN
WALLA WALLA, WA 99362
* $ 466,011,000 1 $ 182,000
First Nb of Jacksboro
P.O. DRAWER E
JACKSBORO, TX 76458
* $ 475,843,000 1 $ 177,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 55,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 118,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 55,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 224,000
Horizon Nw Home Mortgage
13224 E MANSFIELD AVE, STE 110
SPOKANE VALLEY, WA 99216
* $ 360,928,000 1 $ 140,000
Qualstar Credit Union
PO BOX 3050
BOTHELL, WA 98041
* $ 323,105,000 1 $ 38,000
Global
1500 W 4TH AVE
SPOKANE, WA 99201
* $ 340,248,000 1 $ 70,000
Boeing Employees Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 9,185,625,000 1 $ 102,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 2,465,059,000 1 $ 99,000
Community First Bank
6401 W CLEARWATER AVENUE
KENNEWICK, WA 99352
* $ 170,701,000 1 $ 80,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 292,335,000 1 $ 10,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 194,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,529,914,000 1 $ 253,000
Cascade Federal Credit Union
18020 80TH AVENUE SOUTH
KENT, WA 98032
* $ 252,185,000 1 $ 45,000

The tables below break down 2011 mortgage applications in Adams County, WA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Adams County, WA 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 344 $45,156,000 $131,000 $3,450,000 $58,000 $395,000
Home Purchase 224 $29,997,000 $133,000 $550,000 $53,000 $339,000
Home Improvement 43 $1,948,000 $45,000 $136,000 $58,000 $129,000

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 324 $39,845,000 $122,000 $550,000 $62,000 $395,000
Hispanic 192 $22,303,000 $116,000 $280,000 $49,000 $254,000
Not Provided 64 $7,271,000 $113,000 $344,000 $58,000 $171,000
Not applicable 24 $6,924,000 $288,000 $3,450,000 $7,000 $87,000
American Indian or Alaskan Native 5 $493,000 $98,000 $187,000 $85,000 $135,000
Asian 2 $265,000 $132,000 $260,000 $153,000 $250,000
Black or African American 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 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) 360 $44,564,000 $123,000 $3,450,000 $64,000 $395,000
FHA-insured (Federal Housing Administration) 135 $16,217,000 $120,000 $341,000 $47,000 $163,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 84 $11,583,000 $137,000 $275,000 $38,000 $113,000
VA-guaranteed (Veterans Administration) 32 $4,737,000 $148,000 $344,000 $49,000 $120,000

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 300 $40,448,000 $134,000 $3,450,000 $62,000 $395,000
Application Denied By Financial Institution 131 $14,432,000 $110,000 $371,000 $58,000 $163,000
Loan Purchased By The Institution 91 $11,458,000 $125,000 $279,000 $36,000 $121,000
Application Withdrawn By Applicant 53 $6,414,000 $121,000 $250,000 $55,000 $171,000
File Closed For Incompleteness 23 $2,713,000 $117,000 $341,000 $55,000 $130,000
Application Approved But Not Accepted 12 $1,503,000 $125,000 $223,000 $50,000 $77,000
Preapproval Denied by Financial Institution 1 $133,000 $133,000 $133,000 $25,000 $25,000
Preapproval Approved but not Accepted 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 36 $3,489,000 $96,000 $250,000 $59,000 $153,000
Debt-To-Income Ratio 19 $2,455,000 $129,000 $371,000 $48,000 $134,000
Collateral 15 $2,280,000 $152,000 $344,000 $69,000 $145,000
Other 14 $1,829,000 $130,000 $274,000 $83,000 $163,000
Credit Application Incomplete 8 $848,000 $106,000 $132,000 $52,000 $72,000
Unverifiable Information 3 $269,000 $89,000 $115,000 $30,000 $55,000
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

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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