Gilliam County, OR Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 51 mortgage applications in Gilliam County, OR totaling $10.7 million, down 34% from 2022. The average application was for $209,000, and applicants reported an average income of $103,000. 61% of applications resulted in an originated loan and 18% were denied. The most active lender was Gesa Credit Union, with 3 applications, followed by Columbia Bank 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 | 51 |
| Total Mortgage Loan Application Amount | $10,665,000 |
| Average Mortgage Loan Application Amount | $209,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $278,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ 5,594,015,000 | 3 | $ 855,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 31,844,724,000 | 3 | $ 745,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 825,000 |
| Onpoint Community Credit Union 2701 NW VAUGHN ST STE 800 PORTLAND, OR 97210 |
* | $ 8,925,587,000 | 2 | $ 330,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ 890,181,000 | 2 | $ 320,000 |
| Oregon Community Credit Union 2880 CHAD DRIVE EUGENE, OR 97408 |
* | $ 3,461,026,000 | 2 | $ 290,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 420,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 290,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 380,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 430,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 2 | $ 610,000 |
| Peak Credit Union 4501 INTELCO LOOP SE LACEY, WA 98503 |
* | $ 2,252,073,000 | 1 | $ 185,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 1 | $ 155,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 305,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 1 | $ 205,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 295,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 245,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 455,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 265,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 9,335,429,000 | 1 | $ 125,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 215,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 401,943,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 335,000 |
| Golden Empire Mortgage, Inc. 1200 DISCOVERY DRIVE, SUITE 300 BAKERSFIELD, CA 93309 |
* | $ -1,000 | 1 | $ 285,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 45,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 105,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 28,780,644,000 | 1 | $ 175,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 1 | $ 205,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 335,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 85,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 115,000 |
| Pacwest Funding, Inc. 4710 VILLAGE PLAZA LOOP STE 100 EUGENE, OR 97401 |
* | $ -1,000 | 1 | $ 125,000 |
| Lpmc, LLC dba Landmark Profess 1255 LEE ST SE SALEM, OR 97302 |
* | $ -1,000 | 1 | $ 195,000 |
The tables below break down 2023 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 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 | 30 | $6,400,000 | $213,000 | $345,000 | $99,000 | $278,000 |
| Cash-out Refinancing | 8 | $1,830,000 | $228,000 | $335,000 | $102,000 | $236,000 |
| Refinancing | 7 | $1,605,000 | $229,000 | $295,000 | $129,000 | $203,000 |
| Other Purpose | 3 | $685,000 | $228,000 | $455,000 | $76,000 | $80,000 |
| Home Improvement | 3 | $145,000 | $48,000 | $55,000 | $106,000 | $132,000 |
| 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 | 35 | $7,615,000 | $217,000 | $455,000 | $113,000 | $278,000 |
| Not Provided | 7 | $1,255,000 | $179,000 | $265,000 | $75,000 | $132,000 |
| Not applicable | 5 | $885,000 | $177,000 | $305,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $610,000 | $305,000 | $305,000 | $90,000 | $90,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $33,000 | $33,000 |
| Hispanic | 1 | $125,000 | $125,000 | $125,000 | $76,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 34 | $6,420,000 | $188,000 | $455,000 | $104,000 | $278,000 |
| FHA-insured (Federal Housing Administration) | 9 | $2,205,000 | $245,000 | $305,000 | $107,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,040,000 | $255,000 | $335,000 | $94,000 | $216,000 |
| 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 | 31 | $6,425,000 | $207,000 | $455,000 | $106,000 | $278,000 |
| Application Denied By Financial Institution | 9 | $1,975,000 | $219,000 | $305,000 | $123,000 | $236,000 |
| Application Withdrawn By Applicant | 5 | $1,205,000 | $241,000 | $335,000 | $63,000 | $100,000 |
| Loan Purchased By The Institution | 5 | $885,000 | $177,000 | $305,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $47,000 | $47,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 40 | $8,370,000 | $209,000 | $455,000 | $94,000 | $216,000 |
| Debt-To-Income Ratio | 4 | $770,000 | $192,000 | $245,000 | $117,000 | $278,000 |
| Collateral | 3 | $655,000 | $218,000 | $305,000 | $152,000 | $236,000 |
| Credit Application Incomplete | 2 | $440,000 | $220,000 | $295,000 | $140,000 | $201,000 |
| Other | 2 | $430,000 | $215,000 | $285,000 | $117,000 | $154,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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