Gilliam County, OR Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 54 mortgage applications in Gilliam County, OR totaling $10.8 million, up 6% from 2023. The average application was for $199,000, and applicants reported an average income of $123,000. 52% of applications resulted in an originated loan and 9% were denied. The most active lender was Sierra Pacific Mortgage Co. Inc, with 3 applications, followed by Bank of Eastern Oregon and CMG Mortgage Inc.
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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 | 54 |
| Total Mortgage Loan Application Amount | $10,750,000 |
| Average Mortgage Loan Application Amount | $199,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $650,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 3 | $ 495,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ n/a | 3 | $ 345,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 745,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 935,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 3 | $ 1,175,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 330,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 2 | $ 140,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 660,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 360,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 640,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 70,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 550,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 2 | $ 340,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ n/a | 2 | $ 200,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 65,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 145,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 385,000 |
| Onpoint Community Credit Union 2701 NW VAUGHN ST STE 800 PORTLAND, OR 97210 |
* | $ n/a | 1 | $ 405,000 |
| Summit Mortgage Corporation 4700 SW MACADAM AVE PORTLAND, OR 97239 |
* | $ n/a | 1 | $ 505,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 65,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 205,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 185,000 |
| Mid Oregon Federal Credit Union 1386 NE CUSHING DRIVE BEND, OR 97701 |
* | $ n/a | 1 | $ 35,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| Pacific Residential Mortgage, LLC 4949 MEADOWS ROAD SUITE 350 LAKE OSWEGO, OR 97035 |
* | $ n/a | 1 | $ 275,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ n/a | 1 | $ 55,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 245,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 175,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 165,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 255,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ n/a | 1 | $ 25,000 |
The tables below break down 2024 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 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 | 22 | $5,020,000 | $228,000 | $355,000 | $102,000 | $169,000 |
| Home Improvement | 9 | $1,325,000 | $147,000 | $505,000 | $230,000 | $650,000 |
| Refinancing | 9 | $2,145,000 | $238,000 | $505,000 | $106,000 | $458,000 |
| Cash-out Refinancing | 8 | $1,810,000 | $226,000 | $325,000 | $86,000 | $151,000 |
| Other Purpose | 5 | $325,000 | $65,000 | $165,000 | $90,000 | $213,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $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 | 39 | $7,645,000 | $196,000 | $505,000 | $137,000 | $650,000 |
| Not applicable | 6 | $1,220,000 | $203,000 | $325,000 | $0 | $0 |
| Not Provided | 6 | $1,100,000 | $183,000 | $405,000 | $50,000 | $115,000 |
| Hispanic | 2 | $430,000 | $215,000 | $235,000 | $84,000 | $107,000 |
| Asian | 1 | $355,000 | $355,000 | $355,000 | $146,000 | $146,000 |
| 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) | 28 | $4,850,000 | $173,000 | $505,000 | $145,000 | $650,000 |
| FHA-insured (Federal Housing Administration) | 17 | $3,405,000 | $200,000 | $385,000 | $84,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,495,000 | $277,000 | $355,000 | $109,000 | $169,000 |
| 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 | 28 | $5,360,000 | $191,000 | $505,000 | $117,000 | $458,000 |
| Application Withdrawn By Applicant | 10 | $2,530,000 | $253,000 | $505,000 | $171,000 | $650,000 |
| Loan Purchased By The Institution | 6 | $1,220,000 | $203,000 | $325,000 | $0 | $0 |
| Application Denied By Financial Institution | 5 | $725,000 | $145,000 | $305,000 | $92,000 | $257,000 |
| File Closed For Incompleteness | 4 | $600,000 | $150,000 | $265,000 | $88,000 | $124,000 |
| Application Approved But Not Accepted | 1 | $315,000 | $315,000 | $315,000 | $121,000 | $121,000 |
| 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 | 47 | $9,835,000 | $209,000 | $505,000 | $132,000 | $650,000 |
| Debt-To-Income Ratio | 3 | $345,000 | $115,000 | $155,000 | $27,000 | $41,000 |
| Collateral | 2 | $90,000 | $45,000 | $55,000 | $164,000 | $257,000 |
| Other | 1 | $305,000 | $305,000 | $305,000 | $119,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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