Alpine County, CA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 112 mortgage applications in Alpine County, CA totaling $32.2 million, up 30% from 2015. The average application was for $287,000, and applicants reported an average income of $213,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 14 applications, followed by loanDepot.com LLC and Finance of America Mortgage LLC.
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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 | 112 |
| Total Mortgage Loan Application Amount | $32,224,000 |
| Average Mortgage Loan Application Amount | $287,000 |
| Highest Mortgage Loan Application Amount | $807,000 |
| Average Applicant Income | $213,000 |
| Highest Applicant Income | $2,299,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 14 | $ 4,088,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 1,434,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 5 | $ 1,316,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 5 | $ 1,543,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 5 | $ 2,084,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 4 | $ 1,193,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 4 | $ 1,376,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 3 | $ 481,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 3 | $ 574,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 3 | $ 1,678,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 3 | $ 833,000 |
| Opes Advisors, Inc. 19330 STEVENS CREEK BLVD CUPERTINO, CA 95014 |
* | $ 2,541,000 | 3 | $ 1,237,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 3 | $ 682,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 390,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 139,069,000,000 | 2 | $ 673,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 482,000 |
| El Dorado Savings Bank 4040 EL DORADO ROAD PLACERVILLE, CA 95667 |
* | $ 2,028,660,000 | 2 | $ 340,000 |
| Fremont Bank 39150 FREMONT BLVD FREMONT, CA 94538 |
* | $ 3,110,671,000 | 2 | $ 357,000 |
| Rpm Mortgage Inc. 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 62,000,000 | 2 | $ 669,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 529,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ 12,210,000 | 1 | $ 382,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ 1,000,000,000 | 1 | $ 371,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 370,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 244,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 352,000 |
| Celebrity Home Loans, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ 1,341,000 | 1 | $ 377,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 324,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 353,000 |
| Loansnap, Inc. 3070 BRISTOL STREET SUITE 200 SACRAMENTO, CA 92626 |
* | $ 112,324,000 | 1 | $ 205,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 200,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 348,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 4,873,033,000 | 1 | $ 213,000 |
| Stanford Federal Credit Union 1860 EMBARCADERO ROAD PALO ALTO, CA 94303 |
* | $ 1,894,472,000 | 1 | $ 196,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 7,273,809,000 | 1 | $ 608,000 |
| Provident Savings Bank, F.S.B. 3756 CENTRAL AVE RIVERSIDE, CA 92506 |
* | $ 1,164,383,000 | 1 | $ 310,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 151,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 35,716,797,000 | 1 | $ 626,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 23,375,286,000 | 1 | $ 208,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 300,000 |
| MUFG Union Bank, National Association 9865 TOWNE CENTRE DRIVE, 3RD FLOOR SAN DIEGO, CA 92121 |
* | $ 115,383,696,000 | 1 | $ 417,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 90,000 |
| Silicon Valley Bank 3003 TASMAN DRIVE SANTA CLARA, CA 95054 |
* | $ 44,055,239,000 | 1 | $ 218,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 131,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 185,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 58,981,285,000 | 1 | $ 259,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 190,000 |
The tables below break down 2016 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 2016
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 | 69 | $20,368,000 | $295,000 | $807,000 | $204,000 | $1,167,000 |
| Home Purchase | 36 | $9,134,000 | $253,000 | $549,000 | $227,000 | $2,299,000 |
| Home Improvement | 7 | $2,722,000 | $388,000 | $604,000 | $240,000 | $373,000 |
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 | 88 | $26,584,000 | $302,000 | $807,000 | $222,000 | $2,299,000 |
| Not Provided | 14 | $3,208,000 | $229,000 | $521,000 | $196,000 | $486,000 |
| Not applicable | 4 | $927,000 | $231,000 | $352,000 | $55,000 | $221,000 |
| Hispanic | 4 | $1,366,000 | $341,000 | $626,000 | $277,000 | $714,000 |
| American Indian or Alaskan Native | 1 | $8,000 | $8,000 | $8,000 | $13,000 | $13,000 |
| Asian | 1 | $131,000 | $131,000 | $131,000 | $229,000 | $229,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 99 | $28,878,000 | $291,000 | $807,000 | $234,000 | $2,299,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,054,000 | $293,000 | $359,000 | $53,000 | $112,000 |
| FHA-insured (Federal Housing Administration) | 3 | $721,000 | $240,000 | $358,000 | $117,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $571,000 | $190,000 | $216,000 | $16,000 | $48,000 |
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 | 65 | $17,864,000 | $274,000 | $807,000 | $223,000 | $1,167,000 |
| Application Denied By Financial Institution | 21 | $6,231,000 | $296,000 | $612,000 | $153,000 | $502,000 |
| Application Withdrawn By Applicant | 12 | $3,461,000 | $288,000 | $600,000 | $155,000 | $486,000 |
| Loan Purchased By The Institution | 10 | $3,174,000 | $317,000 | $399,000 | $153,000 | $639,000 |
| File Closed For Incompleteness | 3 | $1,141,000 | $380,000 | $549,000 | $930,000 | $2,299,000 |
| Application Approved But Not Accepted | 1 | $353,000 | $353,000 | $353,000 | $0 | $0 |
| 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 | 5 | $1,705,000 | $341,000 | $600,000 | $189,000 | $300,000 |
| Debt-To-Income Ratio | 4 | $834,000 | $208,000 | $417,000 | $52,000 | $117,000 |
| Credit Application Incomplete | 2 | $800,000 | $400,000 | $612,000 | $343,000 | $502,000 |
| Other | 2 | $633,000 | $316,000 | $350,000 | $53,000 | $107,000 |
| Credit History | 1 | $99,000 | $99,000 | $99,000 | $170,000 | $170,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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