Esmeralda County, NV Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 32 mortgage applications in Esmeralda County, NV totaling $2.2 million. The average application was for $68,000, and applicants reported an average income of $53,000. 19% of applications resulted in an originated loan and 50% were denied. The most active lender was Nevada State Bank, with 12 applications, followed by Gmac Mortgage LLC and Vanderbilt 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 | 32 |
| Total Mortgage Loan Application Amount | $2,178,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $185,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $212,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Nevada State Bank 4170 S. MARYLAND PKWY, 2ND FL LAS VEGAS, NV 89119 |
* | $ 2,683,208,000 | 12 | $ 426,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 118,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 94,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 2 | $ 144,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 1 | $ 53,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 6,363,082,000 | 1 | $ 149,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 1 | $ 35,000 |
| Bridge Capital Corporation 27121 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 1 | $ 172,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 99,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Stonecreek Funding Corporation 1515 WAZEE, SUITE 300 DENVER, CO 80202 |
* | $ 10,000,000 | 1 | $ 185,000 |
The tables below break down 2003 mortgage applications in Esmeralda County, NV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Esmeralda County, NV in 2003
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 (home purchase or home improvement, one-to-four family) | 22 | $1,664,000 | $75,000 | $185,000 | $51,000 | $108,000 |
| Home Purchase (one-to-four family) | 8 | $459,000 | $57,000 | $172,000 | $51,000 | $212,000 |
| Home Improvement (one-to-four family) | 2 | $55,000 | $27,000 | $50,000 | $75,000 | $123,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 23 | $1,370,000 | $59,000 | $185,000 | $57,000 | $212,000 |
| Information not provided by applicant in mail or telephone application | 5 | $437,000 | $87,000 | $151,000 | $42,000 | $56,000 |
| Not applicable | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $98,000 | $98,000 |
| Asian or Pacific Islander | 1 | $172,000 | $172,000 | $172,000 | $69,000 | $69,000 |
| Hispanic | 1 | $99,000 | $99,000 | $99,000 | $24,000 | $24,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 32 | $2,178,000 | $68,000 | $185,000 | $53,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 16 | $897,000 | $56,000 | $149,000 | $42,000 | $108,000 |
| Loan Originated | 6 | $429,000 | $71,000 | $172,000 | $63,000 | $123,000 |
| Application Approved But Not Accepted | 4 | $381,000 | $95,000 | $185,000 | $59,000 | $81,000 |
| Application Withdrawn By Applicant | 3 | $318,000 | $106,000 | $151,000 | $60,000 | $98,000 |
| File Closed For Incompleteness | 2 | $118,000 | $59,000 | $65,000 | $126,000 | $212,000 |
| Loan Purchased By The Institution | 1 | $35,000 | $35,000 | $35,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $383,000 | $42,000 | $99,000 | $37,000 | $108,000 |
| Collateral | 2 | $144,000 | $72,000 | $80,000 | $34,000 | $43,000 |
| Other | 1 | $29,000 | $29,000 | $29,000 | $50,000 | $50,000 |
| Debt-To-Income Ratio | 1 | $50,000 | $50,000 | $50,000 | $72,000 | $72,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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