Alpine County, CA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 77 mortgage applications in Alpine County, CA totaling $35.9 million, down 19% from 2022. The average application was for $465,000, and applicants reported an average income of $308,000. 43% of applications resulted in an originated loan and 14% were denied. The most active lender was JPMorgan Chase Bank, NA, with 11 applications, followed by Alameda Mortgage Corporation and United Wholesale Mortgage.
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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 | 77 |
| Total Mortgage Loan Application Amount | $35,855,000 |
| Average Mortgage Loan Application Amount | $465,000 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $308,000 |
| Highest Applicant Income | $1,770,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 11 | $ 6,855,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ -1,000 | 5 | $ 1,975,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 1,000,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 1,420,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 2,615,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 1,515,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 3 | $ 2,705,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 960,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 2 | $ 1,500,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 360,000 |
| San Francisco Fire Credit Union 3201 CALIFORNIA STREET SAN FRANCISCO, CA 94118 |
* | $ 1,827,357,000 | 2 | $ 150,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 980,000 |
| The Golden 1 Credit Union 8945 CAL CENTER DR SACRAMENTO, CA 95826 |
* | $ 18,481,868,000 | 2 | $ 500,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 535,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 1,135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 265,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 335,000 |
| El Dorado Savings Bank 4040 EL DORADO ROAD PLACERVILLE, CA 95667 |
* | $ 2,730,489,000 | 1 | $ 275,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 345,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 209,664,000,000 | 1 | $ 575,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 205,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 1 | $ 525,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 275,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 25,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 1 | $ 1,445,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 205,000 |
| Schoolsfirst FCU 2115 NORTH BROADWAY TUSTIN, CA 92780 |
* | $ 28,163,825,000 | 1 | $ 125,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ -1,000 | 1 | $ 485,000 |
| Manhattan Financial Group, Inc. 600 LA TERRAZA BLVD 3RD FLOOR REDLANDS, CA 92025 |
* | $ -1,000 | 1 | $ 635,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 455,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 575,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 605,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 145,000 |
| Provident Credit Union 303 TWIN DOLPHIN DRIVE REDWOOD CITY, CA 94065 |
* | $ 3,510,687,000 | 1 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 645,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 555,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 245,000 |
| Bay Federal Credit Union 3333 CLARES STREET CAPITOLA, CA 95010 |
* | $ 1,603,627,000 | 1 | $ 255,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ -1,000 | 1 | $ 145,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 325,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 345,000 |
The tables below break down 2023 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 2023
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 | 52 | $27,320,000 | $525,000 | $1,685,000 | $337,000 | $1,770,000 |
| Home Improvement | 6 | $1,950,000 | $325,000 | $1,005,000 | $314,000 | $559,000 |
| Refinancing | 6 | $2,100,000 | $350,000 | $715,000 | $166,000 | $264,000 |
| Not Applicable | 5 | $1,755,000 | $351,000 | $1,075,000 | $0 | $0 |
| Other Purpose | 4 | $1,200,000 | $300,000 | $895,000 | $93,000 | $160,000 |
| Cash-out Refinancing | 4 | $1,530,000 | $382,000 | $645,000 | $279,000 | $450,000 |
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 | 43 | $19,555,000 | $454,000 | $1,535,000 | $333,000 | $1,770,000 |
| Not applicable | 18 | $10,760,000 | $597,000 | $1,685,000 | $0 | $0 |
| Not Provided | 8 | $2,630,000 | $328,000 | $535,000 | $262,000 | $586,000 |
| Hispanic | 4 | $370,000 | $92,000 | $165,000 | $141,000 | $226,000 |
| Asian | 3 | $2,015,000 | $671,000 | $1,665,000 | $396,000 | $665,000 |
| Black or African American | 1 | $525,000 | $525,000 | $525,000 | $83,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 75 | $34,985,000 | $466,000 | $1,685,000 | $313,000 | $1,770,000 |
| FHA-insured (Federal Housing Administration) | 1 | $335,000 | $335,000 | $335,000 | $120,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 1 | $535,000 | $535,000 | $535,000 | $207,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 33 | $14,405,000 | $436,000 | $1,665,000 | $317,000 | $838,000 |
| Loan Purchased By The Institution | 19 | $11,315,000 | $595,000 | $1,685,000 | $0 | $0 |
| Application Withdrawn By Applicant | 12 | $5,550,000 | $462,000 | $805,000 | $366,000 | $1,770,000 |
| Application Denied By Financial Institution | 11 | $3,545,000 | $322,000 | $715,000 | $249,000 | $583,000 |
| Application Approved But Not Accepted | 1 | $335,000 | $335,000 | $335,000 | $120,000 | $120,000 |
| File Closed For Incompleteness | 1 | $705,000 | $705,000 | $705,000 | $165,000 | $165,000 |
| 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 | 64 | $32,160,000 | $502,000 | $1,685,000 | $327,000 | $1,770,000 |
| Debt-To-Income Ratio | 5 | $1,045,000 | $209,000 | $715,000 | $177,000 | $390,000 |
| Collateral | 4 | $1,130,000 | $282,000 | $695,000 | $209,000 | $341,000 |
| Unverifiable Information | 3 | $1,285,000 | $428,000 | $605,000 | $363,000 | $583,000 |
| Credit Application Incomplete | 1 | $235,000 | $235,000 | $235,000 | $350,000 | $350,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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