Harney County, OR Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 182 mortgage applications in Harney County, OR totaling $21.0 million, down 6% from 2010. The average application was for $115,000, and applicants reported an average income of $60,000. 42% of applications resulted in an originated loan and 28% were denied. The most active lender was US Bank, N.A., with 25 applications, followed by US Bk NA Nd and Wells Fargo Bank NA.
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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 | 182 |
| Total Mortgage Loan Application Amount | $20,956,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $336,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $240,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 25 | $ 3,467,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 25 | $ 1,993,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 24 | $ 2,913,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 15 | $ 2,016,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 12 | $ 1,236,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 9,501,245,000 | 10 | $ 1,102,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 809,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 7 | $ 757,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 424,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 205,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 3 | $ 638,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 358,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 167,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 329,000 |
| dba Eagle Home Mortgage, LLC 700 NW 107TH AVENUE, 3RD FOOR MIAMI, FL 33172 |
* | $ 10,000,000 | 2 | $ 252,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 130,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 249,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 294,000 |
| Panhandle State Bank 414 CHURCH STREET SANDPOINT, ID 83864 |
* | $ 1,004,400,000 | 2 | $ 210,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 332,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 228,000 |
| Forrit Credit Union 95 SW TAYLOR ST PORTLAND, OR 97233 |
* | $ 67,789,000 | 1 | $ 78,000 |
| Rivermark Community Credit Union 14405 MEYERS RD OREGON CITY, OR 97045 |
* | $ 487,750,000 | 1 | $ 125,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Bank of the Cascades 1070 NW BOND ST, SUITE 101 BEND, OR 97703 |
* | $ 1,715,876,000 | 1 | $ 105,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 172,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 153,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 50,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 160,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 62,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 11,458,366,000 | 1 | $ 70,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 181,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 1 | $ 37,000 |
The tables below break down 2011 mortgage applications in Harney 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 Harney County, OR in 2011
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 | 131 | $14,949,000 | $114,000 | $336,000 | $59,000 | $168,000 |
| Home Purchase | 47 | $5,716,000 | $121,000 | $244,000 | $62,000 | $240,000 |
| Home Improvement | 4 | $291,000 | $72,000 | $100,000 | $69,000 | $200,000 |
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 | 157 | $17,729,000 | $112,000 | $336,000 | $61,000 | $240,000 |
| Not Provided | 13 | $1,771,000 | $136,000 | $329,000 | $65,000 | $149,000 |
| Not applicable | 8 | $1,167,000 | $145,000 | $250,000 | $18,000 | $83,000 |
| American Indian or Alaskan Native | 2 | $137,000 | $68,000 | $100,000 | $130,000 | $200,000 |
| Hispanic | 2 | $152,000 | $76,000 | $104,000 | $18,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 116 | $13,252,000 | $114,000 | $336,000 | $68,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 47 | $5,732,000 | $121,000 | $274,000 | $43,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,470,000 | $105,000 | $158,000 | $47,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $502,000 | $100,000 | $123,000 | $61,000 | $69,000 |
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 | 77 | $8,985,000 | $116,000 | $336,000 | $69,000 | $240,000 |
| Application Denied By Financial Institution | 51 | $5,718,000 | $112,000 | $329,000 | $51,000 | $200,000 |
| Loan Purchased By The Institution | 24 | $2,772,000 | $115,000 | $194,000 | $49,000 | $111,000 |
| Application Withdrawn By Applicant | 16 | $2,137,000 | $133,000 | $274,000 | $57,000 | $152,000 |
| Application Approved But Not Accepted | 11 | $1,089,000 | $99,000 | $181,000 | $57,000 | $104,000 |
| File Closed For Incompleteness | 3 | $255,000 | $85,000 | $123,000 | $97,000 | $155,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 13 | $1,525,000 | $117,000 | $244,000 | $59,000 | $125,000 |
| Debt-To-Income Ratio | 11 | $1,521,000 | $138,000 | $255,000 | $40,000 | $100,000 |
| Credit History | 9 | $647,000 | $71,000 | $107,000 | $62,000 | $200,000 |
| Other | 6 | $673,000 | $112,000 | $156,000 | $58,000 | $71,000 |
| Unverifiable Information | 1 | $134,000 | $134,000 | $134,000 | $62,000 | $62,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $76,000 | $76,000 |
| 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 |
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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