Alpine County, CA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 99 mortgage applications in Alpine County, CA totaling $35.4 million, down 36% from 2007. The average application was for $357,000, and applicants reported an average income of $187,000. 45% of applications resulted in an originated loan and 20% were denied. The most active lender was Countrywide Bank FSB, with 13 applications, followed by JPMorgan Chase Bank, NA and Wells Fargo Bank, NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 99 |
| Total Mortgage Loan Application Amount | $35,402,000 |
| Average Mortgage Loan Application Amount | $357,000 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $187,000 |
| Highest Applicant Income | $896,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 13 | $ 3,852,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 8 | $ 3,674,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 7 | $ 2,037,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 7 | $ 4,556,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 2,709,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 6 | $ 2,511,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 3 | $ 727,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 3 | $ 119,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 250,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 2 | $ 1,540,000 |
| Seattle Bank 600 UNIVERSITY STREET SUITE 1850 SEATTLE, WA 98101 |
* | $ 613,640,000 | 2 | $ 720,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 2 | $ 600,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 510,000 |
| Wilson Resources, Inc 5905 GRANITE LAKE DR #120 GRANITE BAY, CA 95746 |
* | $ 10,000,000 | 2 | $ 641,000 |
| Merrill Lynch Bank & Trust FSB 30930 RUSSELL RANCH RD MS CA6-916-02-07 WESTLAKE VILLAGE, CA 91362 |
* | $ 37,805,411,000 | 2 | $ 1,250,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 1,207,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 14,762,983,000 | 2 | $ 764,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 272,321,000 | 2 | $ 492,000 |
| Nl Inc 2175 N CALIFORNIA BLVD WALNUT CREEK, CA 94596 |
* | $ 10,000,000 | 2 | $ 761,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 200,000 |
| The Golden 1 Credit Union 8945 CAL CENTER DRIVE SACRAMENTO, CA 95826 |
* | $ 6,586,032,000 | 1 | $ 200,000 |
| Star One Credit Union PO BOX 3643 SUNNYVALE, CA 94088 |
* | $ 3,572,210,000 | 1 | $ 55,000 |
| Benchmark Lending Group, Inc. 120 STONY POINT ROAD, SUITE 210 SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 387,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 1 | $ 292,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 253,000 |
| Capstone Direct, Inc. 3285 OLD CONEJO RD THOUSAND OAKS, CA 91320 |
* | $ 750,000 | 1 | $ 147,000 |
| American Interbanc Mortgage, Llc. 4 PARK PLAZA #650 IRVINE, CA 92614 |
* | $ 6,512,000 | 1 | $ 212,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 315,000 |
| Uniwest Mortgage Corp 5252 BALBOA AVE, SUITE 500 SAN DIEGO, CA 92117 |
* | $ 10,000,000 | 1 | $ 315,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 380,000 |
| Simonich Corporation 3130 CROW CANYON PL SUITE 300 SAN RAMON, CA 94583 |
* | $ 7,700,000 | 1 | $ 364,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,816,477,000 | 1 | $ 46,000 |
| El Dorado Savings Bank 4040 EL DORADO ROAD PLACERVILLE, CA 95667 |
* | $ 1,485,426,000 | 1 | $ 120,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 235,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 341,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 350,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 150,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 400,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 282,000 |
| Wells Fargo Fin'l California 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 1,100,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 45,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 293,000 |
The tables below break down 2008 mortgage applications in Alpine County, CA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Alpine County, CA in 2008
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 | 65 | $22,735,000 | $349,000 | $1,500,000 | $144,000 | $678,000 |
| Home Purchase | 28 | $11,138,000 | $397,000 | $1,140,000 | $286,000 | $896,000 |
| Home Improvement | 6 | $1,529,000 | $254,000 | $738,000 | $184,000 | $487,000 |
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 | 61 | $20,157,000 | $330,000 | $1,500,000 | $184,000 | $832,000 |
| Not Provided | 28 | $11,357,000 | $405,000 | $1,500,000 | $212,000 | $896,000 |
| American Indian or Alaskan Native | 4 | $1,369,000 | $342,000 | $577,000 | $147,000 | $163,000 |
| Hispanic | 3 | $1,591,000 | $530,000 | $770,000 | $63,000 | $191,000 |
| Not applicable | 3 | $928,000 | $309,000 | $380,000 | $202,000 | $371,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 98 | $35,160,000 | $358,000 | $1,500,000 | $188,000 | $896,000 |
| FHA-insured (Federal Housing Administration) | 1 | $242,000 | $242,000 | $242,000 | $47,000 | $47,000 |
| 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 | 45 | $16,134,000 | $358,000 | $1,500,000 | $198,000 | $896,000 |
| Application Denied By Financial Institution | 20 | $7,241,000 | $362,000 | $1,500,000 | $233,000 | $678,000 |
| Loan Purchased By The Institution | 16 | $4,954,000 | $309,000 | $530,000 | $99,000 | $371,000 |
| Application Approved But Not Accepted | 10 | $3,348,000 | $334,000 | $577,000 | $200,000 | $832,000 |
| Application Withdrawn By Applicant | 4 | $1,784,000 | $446,000 | $630,000 | $200,000 | $292,000 |
| File Closed For Incompleteness | 4 | $1,941,000 | $485,000 | $1,100,000 | $141,000 | $217,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $2,488,000 | $414,000 | $1,500,000 | $132,000 | $371,000 |
| Collateral | 4 | $1,687,000 | $421,000 | $738,000 | $275,000 | $487,000 |
| Credit Application Incomplete | 3 | $1,552,000 | $517,000 | $650,000 | $396,000 | $514,000 |
| Other | 2 | $455,000 | $227,000 | $400,000 | $494,000 | $678,000 |
| Unverifiable Information | 1 | $400,000 | $400,000 | $400,000 | $210,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $46,000 | $46,000 | $46,000 | $200,000 | $200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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