Alpine County, CA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 65 mortgage applications in Alpine County, CA totaling $23.3 million, down 16% from 2023. The average application was for $358,000, and applicants reported an average income of $346,000. 54% of applications resulted in an originated loan and 15% were denied. The most active lender was Guild Mortgage Company, with 6 applications, followed by United Wholesale Mortgage and Alameda Mortgage Corporation.
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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 | 65 |
| Total Mortgage Loan Application Amount | $23,305,000 |
| Average Mortgage Loan Application Amount | $358,000 |
| Highest Mortgage Loan Application Amount | $995,000 |
| Average Applicant Income | $346,000 |
| Highest Applicant Income | $2,938,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 6 | $ 2,570,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 4 | $ 1,030,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ n/a | 3 | $ 765,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 580,000 |
| Pfn Lending Group, Inc. 5016 N PARKWAY CALABASAS CALABASAS, CA 91302 |
* | $ n/a | 2 | $ 1,160,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 330,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 1,390,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 345,000 |
| Originpoint, LLC 1800 W LARCHMONT AVE SUITE 305 CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 475,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 365,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 715,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ n/a | 1 | $ 35,000 |
| Bank of Stockton 301 E MINER AVE STOCKTON, CA 95202 |
* | $ n/a | 1 | $ 545,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 355,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 505,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 355,000 |
| General Mortgage Capital Corporation 1350 OLD BAYSHORE HWY BURLINGAME, CA 94010 |
* | $ n/a | 1 | $ 345,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 625,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ n/a | 1 | $ 5,000 |
| Fremont Bank 39150 FREMONT BLVD FREMONT, CA 94538 |
* | $ n/a | 1 | $ 405,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 715,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 85,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 475,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 345,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 555,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 55,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ n/a | 1 | $ 305,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 445,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 365,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 375,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 605,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 505,000 |
| Starboard Financial Management, LLC 4145 E BASELINE RD GILBERT, AZ 85234 |
* | $ n/a | 1 | $ 685,000 |
| Provident Credit Union 303 TWIN DOLPHIN DRIVE REDWOOD CITY, CA 94065 |
* | $ n/a | 1 | $ 345,000 |
| Star One Credit Union PO BOX 3643 SUNNYVALE, CA 94088 |
* | $ n/a | 1 | $ 215,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 515,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 995,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 35,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 585,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 105,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 555,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 5,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 195,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 265,000 |
The tables below break down 2024 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 2024
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 | 36 | $12,750,000 | $354,000 | $995,000 | $296,000 | $1,622,000 |
| Refinancing | 11 | $6,365,000 | $578,000 | $715,000 | $420,000 | $1,709,000 |
| Other Purpose | 8 | $900,000 | $112,000 | $585,000 | $167,000 | $554,000 |
| Cash-out Refinancing | 7 | $2,705,000 | $386,000 | $515,000 | $411,000 | $1,212,000 |
| Home Improvement | 3 | $585,000 | $195,000 | $405,000 | $1,022,000 | $2,938,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 37 | $13,295,000 | $359,000 | $995,000 | $259,000 | $859,000 |
| Not Provided | 15 | $4,435,000 | $295,000 | $585,000 | $300,000 | $1,622,000 |
| Not applicable | 5 | $2,705,000 | $541,000 | $715,000 | $0 | $0 |
| Asian | 5 | $2,125,000 | $425,000 | $595,000 | $1,244,000 | $2,938,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $84,000 | $84,000 |
| Hispanic | 1 | $365,000 | $365,000 | $365,000 | $204,000 | $204,000 |
| American Indian or Alaskan Native | 1 | $345,000 | $345,000 | $345,000 | $82,000 | $82,000 |
| 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) | 61 | $21,155,000 | $346,000 | $995,000 | $362,000 | $2,938,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,645,000 | $548,000 | $555,000 | $127,000 | $191,000 |
| FHA-insured (Federal Housing Administration) | 1 | $505,000 | $505,000 | $505,000 | $120,000 | $120,000 |
| 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 | 35 | $12,895,000 | $368,000 | $995,000 | $388,000 | $2,938,000 |
| Application Withdrawn By Applicant | 11 | $3,935,000 | $357,000 | $695,000 | $255,000 | $641,000 |
| Application Denied By Financial Institution | 10 | $2,600,000 | $260,000 | $555,000 | $373,000 | $1,709,000 |
| Loan Purchased By The Institution | 5 | $2,505,000 | $501,000 | $715,000 | $164,000 | $164,000 |
| Application Approved But Not Accepted | 3 | $1,265,000 | $421,000 | $695,000 | $171,000 | $239,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $240,000 | $240,000 |
| 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 | 54 | $20,160,000 | $373,000 | $995,000 | $340,000 | $2,938,000 |
| Debt-To-Income Ratio | 5 | $795,000 | $159,000 | $545,000 | $74,000 | $85,000 |
| Collateral | 4 | $1,290,000 | $322,000 | $405,000 | $781,000 | $1,709,000 |
| Credit Application Incomplete | 1 | $505,000 | $505,000 | $505,000 | $120,000 | $120,000 |
| Unverifiable Information | 1 | $555,000 | $555,000 | $555,000 | $191,000 | $191,000 |
| 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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