Humboldt County, NV Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 554 mortgage applications in Humboldt County, NV totaling $85.3 million, down 38% from 2013. The average application was for $153,000, and applicants reported an average income of $68,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was loanDepot.com LLC, with 114 applications, followed by Wells Fargo Bank NA and US Bank, N.A..

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Total Number of Mortgage Applications 554
Total Mortgage Loan Application Amount $85,251,000
Average Mortgage Loan Application Amount $153,000
Highest Mortgage Loan Application Amount $370,000
Average Applicant Income $68,000
Highest Applicant Income $1,596,000
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Top Mortgage Lenders in Humboldt County, NV (2014)

Ranked by the number of mortgage applications each lender reported in Humboldt County, NV in 2014.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 loanDepot.com LLC
Irvine, CA
114 $18,412,000 $161,000 $64,000
2 Wells Fargo Bank NA
Minneapolis, MN
84 $10,378,000 $123,000 $80,000
3 US Bank, N.A.
Cincinnati, OH
62 $8,275,000 $133,000 $39,000
4 Dubuque Bank and Trust Company
Dubuque, IA
48 $9,527,000 $198,000 $87,000
5 Guild Mortgage Company
San Diego, CA
22 $4,369,000 $198,000 $70,000
6 Bank of America NA
Westlake Village, CA
21 $2,905,000 $138,000 $86,000
7 JPMorgan Chase Bank, NA
Columbus, OH
19 $3,448,000 $181,000 $15,000
8 Nevada State Bank
Las Vegas, NV
14 $1,171,000 $83,000 $68,000
9 Nationstar Mortgage
Coppell, TX
12 $1,531,000 $127,000 $32,000
10 Eagle Home Mortgage of California
Miami, FL
11 $2,100,000 $190,000 $78,000

See every lender active in Humboldt County, NV in 2014 »

The tables below break down 2014 mortgage applications in Humboldt 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 Humboldt County, NV in 2014

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 289 $51,818,000 $179,000 $370,000 $62,000 $236,000
Refinancing 217 $30,601,000 $141,000 $345,000 $69,000 $1,596,000
Home Improvement 48 $2,832,000 $59,000 $220,000 $93,000 $360,000

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 374 $58,078,000 $155,000 $370,000 $73,000 $360,000
Hispanic 71 $10,719,000 $150,000 $320,000 $72,000 $160,000
Not applicable 57 $9,849,000 $172,000 $323,000 $1,000 $62,000
Not Provided 44 $5,393,000 $122,000 $355,000 $101,000 $1,596,000
Black or African American 4 $657,000 $164,000 $257,000 $76,000 $100,000
American Indian or Alaskan Native 2 $483,000 $241,000 $331,000 $91,000 $148,000
Asian 2 $72,000 $36,000 $60,000 $34,000 $69,000
Native Hawaiian or Other Pacific Islander 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) 277 $38,708,000 $139,000 $370,000 $84,000 $360,000
FHA-insured (Federal Housing Administration) 162 $24,993,000 $154,000 $266,000 $57,000 $1,596,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 63 $11,812,000 $187,000 $310,000 $37,000 $109,000
VA-guaranteed (Veterans Administration) 52 $9,738,000 $187,000 $357,000 $51,000 $162,000

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 317 $51,680,000 $163,000 $370,000 $74,000 $352,000
Application Denied By Financial Institution 92 $10,640,000 $115,000 $345,000 $74,000 $360,000
Loan Purchased By The Institution 70 $12,276,000 $175,000 $330,000 $10,000 $162,000
Application Withdrawn By Applicant 48 $6,646,000 $138,000 $303,000 $91,000 $1,596,000
Application Approved But Not Accepted 15 $2,371,000 $158,000 $270,000 $86,000 $160,000
File Closed For Incompleteness 12 $1,638,000 $136,000 $268,000 $75,000 $227,000
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
Credit History 23 $1,835,000 $79,000 $184,000 $62,000 $170,000
Collateral 13 $1,518,000 $116,000 $279,000 $82,000 $145,000
Other 10 $1,237,000 $123,000 $325,000 $103,000 $184,000
Debt-To-Income Ratio 10 $1,123,000 $112,000 $345,000 $68,000 $215,000
Credit Application Incomplete 6 $943,000 $157,000 $274,000 $84,000 $182,000
Unverifiable Information 5 $534,000 $106,000 $177,000 $119,000 $360,000
Employment History 1 $139,000 $139,000 $139,000 $46,000 $46,000
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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