In 2018, lenders reported 129 mortgage applications in Alpine County, CA totaling $39.5 million, up 33% from 2017. The average application was for $305,000, and applicants reported an average income of $304,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 12 applications, followed by Bank of America NA 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 | 129 |
| Total Mortgage Loan Application Amount | $39,465,000 |
| Average Mortgage Loan Application Amount | $305,000 |
| Highest Mortgage Loan Application Amount | $1,155,000 |
| Average Applicant Income | $304,000 |
| Highest Applicant Income | $3,924,000 |
| 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 |
* | $ 1,747,398,000,000 | 12 | $ 3,720,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 8 | $ 2,610,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 7 | $ 1,325,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 5 | $ 1,815,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 5 | $ 1,375,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 1,400,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 4 | $ 2,460,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 1,035,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 47,934,212,000 | 3 | $ 1,545,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 3 | $ 775,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 1,835,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 690,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 250,000 |
| Farmers & Merchants Bank of Ce PO BOX 3000 LODI, CA 95240 |
* | $ 3,063,820,000 | 2 | $ 550,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 450,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 2 | $ 510,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 198,592,000,000 | 2 | $ 470,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 600,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 400,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 460,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 770,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 510,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 2 | $ 490,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 490,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 470,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 530,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 620,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 70,000 |
| Parsons Federal Credit Union 100 W WALNUT STREET PASADENA, CA 91124 |
* | $ 211,601,000 | 1 | $ 535,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 6,700,442,000 | 1 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 225,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 1 | $ 355,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 445,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 25,711,323,000 | 1 | $ 675,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 265,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 14,014,053,000 | 1 | $ 85,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 255,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 115,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 87,780,507,000 | 1 | $ 1,005,000 |
| Silicon Valley Bank 3003 TASMAN DRIVE SANTA CLARA, CA 95054 |
* | $ 50,387,875,000 | 1 | $ 1,105,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 205,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 1 | $ 105,000 |
| The Golden 1 Credit Union 8945 CAL CENTER DR SACRAMENTO, CA 95826 |
* | $ 11,486,761,000 | 1 | $ 105,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 415,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 245,000 |
| San Francisco Fire Credit Union 3201 CALIFORNIA STREET SAN FRANCISCO, CA 94118 |
* | $ 1,307,762,000 | 1 | $ 55,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 205,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 1 | $ 295,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 585,000 |
| Partners United Financial, LLC 250 EAST WILSON BRIDGE ROAD, SUITE 110 WILMINGTON, DE 43085 |
* | $ -1,000 | 1 | $ 115,000 |
| Mechanics Bank 1111 CIVIC DR WALNUT CREEK, CA 94596 |
* | $ 5,637,565,000 | 1 | $ 385,000 |
| Mountain West Financial, Inc. 1209 NEVADA ST. SUITE 200 REDLANDS, CA 92374 |
* | $ -1,000 | 1 | $ 295,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 860,441,000 | 1 | $ 95,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 45,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 4,042,486,000 | 1 | $ 5,000 |
The tables below break down 2018 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 69 | $21,975,000 | $318,000 | $1,105,000 | $215,000 | $553,000 |
| Cash-out Refinancing | 24 | $7,020,000 | $292,000 | $625,000 | $181,000 | $666,000 |
| Refinancing | 20 | $7,640,000 | $382,000 | $1,155,000 | $579,000 | $3,430,000 |
| Home Improvement | 8 | $1,640,000 | $205,000 | $1,005,000 | $196,000 | $778,000 |
| Other Purpose | 5 | $1,035,000 | $207,000 | $685,000 | $978,000 | $3,924,000 |
| Not Applicable | 3 | $155,000 | $51,000 | $85,000 | $0 | $0 |
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 | 95 | $30,105,000 | $316,000 | $1,155,000 | $280,000 | $3,430,000 |
| Not Provided | 18 | $5,840,000 | $324,000 | $1,005,000 | $444,000 | $3,924,000 |
| Not applicable | 11 | $2,275,000 | $206,000 | $405,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $1,075,000 | $358,000 | $455,000 | $309,000 | $550,000 |
| Asian | 2 | $170,000 | $85,000 | $95,000 | $241,000 | $248,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 117 | $35,735,000 | $305,000 | $1,155,000 | $320,000 | $3,924,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,915,000 | $273,000 | $455,000 | $95,000 | $117,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,530,000 | $382,000 | $435,000 | $93,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $285,000 | $285,000 | $285,000 | $76,000 | $76,000 |
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 | $20,695,000 | $318,000 | $1,105,000 | $268,000 | $3,430,000 |
| Application Denied By Financial Institution | 21 | $7,385,000 | $351,000 | $995,000 | $341,000 | $3,430,000 |
| Application Withdrawn By Applicant | 18 | $5,690,000 | $316,000 | $1,155,000 | $246,000 | $600,000 |
| Loan Purchased By The Institution | 17 | $4,295,000 | $252,000 | $585,000 | $171,000 | $361,000 |
| File Closed For Incompleteness | 5 | $885,000 | $177,000 | $365,000 | $968,000 | $3,924,000 |
| Application Approved But Not Accepted | 3 | $515,000 | $171,000 | $275,000 | $344,000 | $666,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 107 | $31,545,000 | $294,000 | $1,155,000 | $295,000 | $3,924,000 |
| Debt-To-Income Ratio | 11 | $4,375,000 | $397,000 | $785,000 | $178,000 | $436,000 |
| Collateral | 4 | $1,830,000 | $457,000 | $995,000 | $1,304,000 | $3,430,000 |
| Credit Application Incomplete | 2 | $660,000 | $330,000 | $455,000 | $140,000 | $169,000 |
| Other | 2 | $450,000 | $225,000 | $235,000 | $117,000 | $117,000 |
| Unverifiable Information | 2 | $420,000 | $210,000 | $365,000 | $264,000 | $372,000 |
| Credit History | 1 | $185,000 | $185,000 | $185,000 | $120,000 | $120,000 |
| 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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