Gilliam County, OR Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 81 mortgage applications in Gilliam County, OR totaling $15.3 million, up 50% from 2024. The average application was for $188,000, and applicants reported an average income of $112,000. 48% of applications resulted in an originated loan and 22% were denied. The most active lender was Newrez LLC, with 5 applications, followed by Columbia Bank and PennyMac Loan Services LLC.
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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 | 81 |
| Total Mortgage Loan Application Amount | $15,275,000 |
| Average Mortgage Loan Application Amount | $188,000 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $611,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 895,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 4 | $ 1,030,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 755,000 |
| First Community Credit Union 200 N. ADAMS ST. COQUILLE, OR 97423 |
* | $ n/a | 3 | $ 225,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 935,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 695,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ n/a | 3 | $ 425,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ n/a | 2 | $ 330,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 540,000 |
| Unitus Community Credit Union 7632 SW DURHAM RD TIGARD, OR 97224 |
* | $ n/a | 2 | $ 100,000 |
| Onpoint Community Credit Union 2701 NW VAUGHN ST STE 800 PORTLAND, OR 97210 |
* | $ n/a | 2 | $ 170,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 300,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 570,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 510,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 290,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 2 | $ 510,000 |
| Rivermark Community Credit Union 14405 MEYERS RD OREGON CITY, OR 97045 |
* | $ n/a | 2 | $ 90,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 210,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ n/a | 2 | $ 300,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE, SUITE 100 ANCHORAGE, AK 99503 |
* | $ n/a | 1 | $ 305,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ n/a | 1 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 45,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 185,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 125,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 225,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 145,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 105,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 145,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 285,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 85,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ n/a | 1 | $ 145,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 1 | $ 965,000 |
| Mortgage Express 10260 SW GREENBURG ROAD #830 PORTLAND, OR 97224 |
* | $ n/a | 1 | $ 145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 345,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 1 | $ 175,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 225,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 155,000 |
| Mid Oregon Federal Credit Union 1386 NE CUSHING DRIVE BEND, OR 97701 |
* | $ n/a | 1 | $ 255,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 225,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 85,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 305,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ n/a | 1 | $ 35,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in Gilliam 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 Gilliam County, OR in 2025
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 28 | $5,460,000 | $195,000 | $315,000 | $89,000 | $237,000 |
| Home Purchase | 23 | $5,795,000 | $251,000 | $965,000 | $168,000 | $611,000 |
| Other Purpose | 12 | $1,010,000 | $84,000 | $225,000 | $79,000 | $181,000 |
| Refinancing | 10 | $2,280,000 | $228,000 | $355,000 | $109,000 | $163,000 |
| Home Improvement | 8 | $730,000 | $91,000 | $155,000 | $102,000 | $148,000 |
| 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 | 52 | $8,660,000 | $166,000 | $345,000 | $94,000 | $237,000 |
| Not Provided | 18 | $4,400,000 | $244,000 | $965,000 | $129,000 | $611,000 |
| Not applicable | 7 | $1,565,000 | $223,000 | $345,000 | $0 | $0 |
| Hispanic | 3 | $545,000 | $181,000 | $225,000 | $308,000 | $319,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $121,000 | $121,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 50 | $8,120,000 | $162,000 | $965,000 | $114,000 | $611,000 |
| FHA-insured (Federal Housing Administration) | 22 | $5,130,000 | $233,000 | $345,000 | $109,000 | $292,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,025,000 | $225,000 | $325,000 | $108,000 | $314,000 |
| 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 | 39 | $7,415,000 | $190,000 | $355,000 | $106,000 | $292,000 |
| Application Denied By Financial Institution | 18 | $2,090,000 | $116,000 | $345,000 | $105,000 | $319,000 |
| Application Withdrawn By Applicant | 11 | $2,525,000 | $229,000 | $305,000 | $98,000 | $237,000 |
| Loan Purchased By The Institution | 7 | $1,565,000 | $223,000 | $345,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $1,595,000 | $319,000 | $965,000 | $229,000 | $611,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $148,000 | $148,000 |
| 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 | 61 | $12,785,000 | $209,000 | $965,000 | $116,000 | $611,000 |
| Credit History | 7 | $865,000 | $123,000 | $285,000 | $72,000 | $186,000 |
| Debt-To-Income Ratio | 5 | $835,000 | $167,000 | $345,000 | $71,000 | $157,000 |
| Collateral | 5 | $565,000 | $113,000 | $165,000 | $175,000 | $319,000 |
| Other | 3 | $225,000 | $75,000 | $155,000 | $101,000 | $127,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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