Baker County, OR Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 605 mortgage applications in Baker County, OR totaling $82.8 million, down 30% from 2009. The average application was for $136,000, and applicants reported an average income of $59,000. 40% of applications resulted in an originated loan and 20% were denied. The most active lender was Bank of America, N.A., with 68 applications, followed by Wells Fargo Bank, NA and US Bank North Dakota.
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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 | 605 |
| Total Mortgage Loan Application Amount | $82,836,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $366,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 68 | $ 8,313,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 67 | $ 8,041,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 52 | $ 3,444,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 41 | $ 7,223,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 36 | $ 4,721,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 33 | $ 5,043,000 |
| Community Bank PO BOX 817 JOSEPH, OR 97846 |
* | $ 353,935,000 | 28 | $ 4,082,000 |
| Northwest Mortgage Group, Inc 10260 SW GREENBURG ROAD SUITE 900 PORTLAND, OR 97223 |
* | $ 10,000,000 | 28 | $ 4,857,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 4,525,956,000 | 19 | $ 3,093,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 18 | $ 1,622,000 |
| Golf Savings Bank 6505 218TH ST SW SUITE 6 MOUNTLAKE TERRACE, WA 98043 |
* | $ 593,916,000 | 17 | $ 2,086,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 16 | $ 3,007,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 15 | $ 1,922,000 |
| Mann Mortgage LLC 1220 WHITEFISH STAGE KALISPELL, MT 59901 |
* | $ 10,000,000 | 13 | $ 1,734,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 10,300,326,000 | 9 | $ 1,431,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 1,035,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 7 | $ 806,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 6 | $ 1,855,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 5 | $ 842,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 5 | $ 392,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 5 | $ 544,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 890,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 4 | $ 399,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 4 | $ 542,000 |
| Pacific Residential Mortgage, LLC 4949 MEADOWS ROAD SUITE 350 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 3 | $ 644,000 |
| First Community Credit Union 200 N. ADAMS ST. COQUILLE, OR 97423 |
* | $ 381,099,000 | 3 | $ 636,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 222,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 1,653,933,000 | 2 | $ 355,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 67,860,327,000 | 2 | $ 293,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 266,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 3,189,101,000 | 2 | $ 289,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 2 | $ 287,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 90,179,122,000 | 2 | $ 159,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 2 | $ 214,000 |
| Rivermark Community Credit Union 14405 MEYERS RD OREGON CITY, OR 97045 |
* | $ 489,192,000 | 2 | $ 349,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 122,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 2,475,868,000 | 2 | $ 361,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 192,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 230,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 197,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 332,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 2 | $ 215,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 2 | $ 155,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 2 | $ 479,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 359,000 |
| Mortgage Express 10260 SW GREENBURG ROAD #830 PORTLAND, OR 97224 |
* | $ 10,000,000 | 1 | $ 270,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 1 | $ 164,000 |
| Sunset Mortgage Co 16101 SW 72ND AVE STE 200 PORTLAND, OR 97224 |
* | $ 11,000,000 | 1 | $ 300,000 |
| Summit Mortgage Corporation 4700 SW MACADAM AVE PORTLAND, OR 97239 |
* | $ 1,000,000,000 | 1 | $ 240,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 277,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 158,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 222,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 202,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 186,000 |
| Hyperion Capital Group 5885 SW MEADOWS ROAD STE 850 LAKE OSWEGO, OR 97035 |
* | $ 66,788,000 | 1 | $ 175,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 54,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 90,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 176,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 64,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 230,000 |
| First Mortgage Company, Inc. 7670 W. EMERALD STREET BOISE, ID 83704 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,402,014,000 | 1 | $ 20,000 |
| Northwest Community 545 EAST 8TH AVENUE EUGENE, OR 97401 |
* | $ 631,346,000 | 1 | $ 83,000 |
| Advantis Credit Union 10501 SE MAIN ST OREGON CITY, OR 97222 |
* | $ 723,563,000 | 1 | $ 198,000 |
| Unitus Community Credit Union 7632 SW DURHAM RD TIGARD, OR 97224 |
* | $ 804,790,000 | 1 | $ 148,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 226,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Amtec Funding Group, Llc. 3330 HARBOR BOULEVARD COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 101,000 |
| Netmore America, Inc. 109 EAST MAIN STREET, SUITE 301 WALLA WALLA, WA 99362 |
* | $ 37,000,000 | 1 | $ 302,000 |
| Sydion Financial, LLC 33400 8TH AVE. S. STE 205 FEDERAL WAY, WA 98003 |
* | $ 11,000,000 | 1 | $ 112,000 |
| Mortgage Solutions of Co, LLC 5455 N UNION BLVD # 105 COLORADO SPRINGS, CO 80918 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 288,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 188,577,000 | 1 | $ 225,000 |
| Umpqua Bank ONE SW COLUMBIA STREET, SUITE 1050 PORTLAND, OR 97258 |
* | $ 9,378,123,000 | 1 | $ 215,000 |
| Siuslaw Bank 777 HWY 101 (MAIL TO: PO BOX 280) FLORENCE, OR 97439 |
* | $ 284,377,000 | 1 | $ 323,000 |
| Pacific Nw Federal Credit Union 12005 NE ERIN WAY PORTLAND, OR 97220 |
* | $ 146,920,000 | 1 | $ 251,000 |
| Mountain West Bank P O BOX 1059 COEUR D'ALENE, ID 83816 |
* | $ 1,176,761,000 | 1 | $ 105,000 |
| Providence Federal CU 6400 SE LAKE RD STE 125 MILWAUKIE, OR 97222 |
* | $ 90,471,000 | 1 | $ 80,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 16,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 154,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 89,620,000 | 1 | $ 191,000 |
| Panhandle State Bank 414 CHURCH STREET SANDPOINT, ID 83864 |
* | $ 1,079,549,000 | 1 | $ 180,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 189,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 261,000 |
The tables below break down 2010 mortgage applications in Baker County, OR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Baker County, OR in 2010
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 | 423 | $58,910,000 | $139,000 | $450,000 | $57,000 | $366,000 |
| Home Purchase | 146 | $20,612,000 | $141,000 | $450,000 | $64,000 | $244,000 |
| Home Improvement | 36 | $3,314,000 | $92,000 | $417,000 | $56,000 | $134,000 |
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 | 493 | $67,104,000 | $136,000 | $450,000 | $63,000 | $366,000 |
| Not Provided | 57 | $7,867,000 | $138,000 | $417,000 | $65,000 | $211,000 |
| Not applicable | 42 | $6,309,000 | $150,000 | $295,000 | $0 | $0 |
| Hispanic | 7 | $693,000 | $99,000 | $251,000 | $54,000 | $110,000 |
| American Indian or Alaskan Native | 2 | $190,000 | $95,000 | $136,000 | $59,000 | $69,000 |
| Asian | 2 | $446,000 | $223,000 | $250,000 | $52,000 | $74,000 |
| Black or African American | 1 | $134,000 | $134,000 | $134,000 | $104,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $93,000 | $93,000 | $93,000 | $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) | 448 | $62,549,000 | $139,000 | $450,000 | $65,000 | $366,000 |
| FHA-insured (Federal Housing Administration) | 119 | $15,495,000 | $130,000 | $309,000 | $44,000 | $145,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,039,000 | $144,000 | $258,000 | $35,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,753,000 | $103,000 | $179,000 | $38,000 | $64,000 |
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 | 245 | $34,005,000 | $138,000 | $450,000 | $66,000 | $366,000 |
| Loan Purchased By The Institution | 126 | $17,795,000 | $141,000 | $417,000 | $42,000 | $242,000 |
| Application Denied By Financial Institution | 120 | $15,236,000 | $126,000 | $450,000 | $60,000 | $239,000 |
| Application Withdrawn By Applicant | 78 | $10,996,000 | $140,000 | $417,000 | $61,000 | $210,000 |
| Application Approved But Not Accepted | 21 | $2,769,000 | $131,000 | $295,000 | $56,000 | $141,000 |
| File Closed For Incompleteness | 14 | $1,963,000 | $140,000 | $417,000 | $67,000 | $118,000 |
| Preapproval Denied by Financial Institution | 1 | $72,000 | $72,000 | $72,000 | $39,000 | $39,000 |
| Preapproval Approved but not Accepted | 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 | 27 | $4,233,000 | $156,000 | $417,000 | $74,000 | $189,000 |
| Other | 21 | $2,672,000 | $127,000 | $318,000 | $68,000 | $239,000 |
| Debt-To-Income Ratio | 19 | $2,391,000 | $125,000 | $450,000 | $41,000 | $223,000 |
| Credit History | 14 | $1,167,000 | $83,000 | $342,000 | $58,000 | $159,000 |
| Credit Application Incomplete | 7 | $728,000 | $104,000 | $188,000 | $36,000 | $57,000 |
| Unverifiable Information | 3 | $243,000 | $81,000 | $128,000 | $58,000 | $100,000 |
| Employment History | 3 | $352,000 | $117,000 | $174,000 | $46,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $208,000 | $208,000 | $208,000 | $161,000 | $161,000 |
| 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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