In 2010, lenders reported 128 mortgage applications in Alpine County, CA totaling $35.6 million, down 26% from 2009. The average application was for $278,000, and applicants reported an average income of $180,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank, NA, with 32 applications, followed by Bank of America, N.A. and US Bank, N.A..
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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 | 128 |
| Total Mortgage Loan Application Amount | $35,631,000 |
| Average Mortgage Loan Application Amount | $278,000 |
| Highest Mortgage Loan Application Amount | $915,000 |
| Average Applicant Income | $180,000 |
| Highest Applicant Income | $1,606,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 32 | $ 8,966,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 10 | $ 2,523,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 7 | $ 1,554,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 6 | $ 1,490,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 1,198,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 5 | $ 1,624,000 |
| Union Bank, N.A. 8954 RIO SAN DIEGO DRIVE SUITE 500 SAN DIEGO, CA 92108 |
* | $ 85,195,743,000 | 4 | $ 1,037,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 3 | $ 649,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 1,061,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 3 | $ 434,000 |
| Fremont Bank 39150 FREMONT BLVD FREMONT, CA 94538 |
* | $ 2,359,188,000 | 3 | $ 723,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 395,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 718,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 458,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 637,000 |
| Mason McDuffie Mortgage Corp 2010 CROW CANYON PLACE, SUITE 400 SAN RAMON, CA 94583 |
* | $ 1,300,000 | 2 | $ 590,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 771,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 715,000 |
| El Dorado Savings Bank 4040 EL DORADO ROAD PLACERVILLE, CA 95667 |
* | $ 1,655,772,000 | 2 | $ 253,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 3,574,485,000 | 2 | $ 378,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 2 | $ 450,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 2 | $ 771,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 2 | $ 882,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 380,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 2,823,342,000 | 1 | $ 380,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 364,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 417,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 1 | $ 915,000 |
| Star One Credit Union PO BOX 3643 SUNNYVALE, CA 94088 |
* | $ 5,111,238,000 | 1 | $ 200,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 114,000 |
| First American Mortgage Trust 70 LEO M. BIRMINGHAM PARKWAY BRIGHTON, MA 02135 |
* | $ 10,000,000 | 1 | $ 189,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 173,000 |
| San Diego County Credit Union 6545 SEQUENCE DRIVE SAN DIEGO, CA 92121 |
* | $ 4,855,851,000 | 1 | $ 132,000 |
| Opes Advisors, Inc. 19330 STEVENS CREEK BLVD CUPERTINO, CA 95014 |
* | $ 2,541,000 | 1 | $ 417,000 |
| Sacramento 1st Mortgage, Inc 3626 FAIR OAKS BLVD, SUITE 100 SACRAMENTO, CA 95864 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 421,000 |
| Rpm Mortgage Inc. 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 62,000,000 | 1 | $ 327,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 548,000 |
| Pinnacle Mortgage Group, Inc. 3605 SOUTH TELLER ST LAKEWOOD, CO 80235 |
* | $ 10,000,000 | 1 | $ 217,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 1 | $ 417,000 |
| First California Mortgage Co., Inc. 1400 N MCDOWELL BLVD, SUITE 300 PETALUMA, CA 94954 |
* | $ 10,000,000 | 1 | $ 201,000 |
| Resource Lenders Inc 7330 N. PALM AVE STE 106 FRESNO, CA 93711 |
* | $ 10,000,000 | 1 | $ 416,000 |
The tables below break down 2010 mortgage applications in Alpine County, CA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 102 | $28,947,000 | $283,000 | $915,000 | $173,000 | $1,606,000 |
| Home Purchase | 21 | $4,939,000 | $235,000 | $342,000 | $209,000 | $936,000 |
| Home Improvement | 5 | $1,745,000 | $349,000 | $633,000 | $214,000 | $484,000 |
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 | 104 | $27,850,000 | $267,000 | $915,000 | $181,000 | $1,606,000 |
| Not Provided | 12 | $3,635,000 | $302,000 | $633,000 | $161,000 | $484,000 |
| Not applicable | 7 | $2,624,000 | $374,000 | $535,000 | $0 | $0 |
| Asian | 2 | $680,000 | $340,000 | $380,000 | $878,000 | $1,559,000 |
| Hispanic | 2 | $483,000 | $241,000 | $312,000 | $218,000 | $258,000 |
| American Indian or Alaskan Native | 1 | $359,000 | $359,000 | $359,000 | $71,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 121 | $33,897,000 | $280,000 | $915,000 | $187,000 | $1,606,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,734,000 | $247,000 | $389,000 | $69,000 | $164,000 |
| 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 | 55 | $14,672,000 | $266,000 | $915,000 | $205,000 | $1,606,000 |
| Application Denied By Financial Institution | 30 | $8,973,000 | $299,000 | $887,000 | $201,000 | $936,000 |
| Loan Purchased By The Institution | 17 | $4,730,000 | $278,000 | $535,000 | $53,000 | $258,000 |
| Application Withdrawn By Applicant | 16 | $4,201,000 | $262,000 | $442,000 | $136,000 | $395,000 |
| Application Approved But Not Accepted | 6 | $1,920,000 | $320,000 | $548,000 | $378,000 | $1,559,000 |
| File Closed For Incompleteness | 4 | $1,135,000 | $283,000 | $548,000 | $102,000 | $145,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 13 | $3,678,000 | $282,000 | $440,000 | $194,000 | $360,000 |
| Other | 6 | $2,055,000 | $342,000 | $585,000 | $180,000 | $324,000 |
| Credit Application Incomplete | 3 | $1,100,000 | $366,000 | $529,000 | $396,000 | $936,000 |
| Credit History | 2 | $305,000 | $152,000 | $274,000 | $110,000 | $195,000 |
| Debt-To-Income Ratio | 2 | $1,012,000 | $506,000 | $887,000 | $174,000 | $260,000 |
| Unverifiable Information | 1 | $140,000 | $140,000 | $140,000 | $163,000 | $163,000 |
| 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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