Lake County, OR Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 341 mortgage applications in Lake County, OR totaling $43.7 million, up 8% from 2008. The average application was for $128,000, and applicants reported an average income of $65,000. 38% of applications resulted in an originated loan and 22% were denied. The most active lender was South Valley Bank & Trust, with 34 applications, followed by JPMorgan Chase Bank, NA 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 | 341 |
| Total Mortgage Loan Application Amount | $43,705,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $1,275,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,686,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| South Valley Bank & Trust 803 MAIN STREET KLAMATH FALLS, OR 97601 |
* | $ 612,626,000 | 34 | $ 4,744,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 30 | $ 3,343,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 30 | $ 4,845,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 29 | $ 1,924,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 20 | $ 2,467,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 19 | $ 2,479,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 16 | $ 1,737,000 |
| Golf Savings Bank 6505 218TH ST SW SUITE 6 MOUNTLAKE TERRACE, WA 98043 |
* | $ 519,651,000 | 15 | $ 2,127,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 12,264,416,000 | 13 | $ 1,595,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 11 | $ 701,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 10 | $ 1,636,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 860,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 7 | $ 2,903,000 |
| Umpqua Bank ONE SW COLUMBIA STREET, SUITE 1050 PORTLAND, OR 97258 |
* | $ 8,599,058,000 | 5 | $ 510,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 560,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 5 | $ 461,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 5 | $ 848,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 666,000 |
| Mortgage Express 10260 SW GREENBURG ROAD #830 PORTLAND, OR 97224 |
* | $ 10,000,000 | 4 | $ 493,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 475,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 3 | $ 321,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 360,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 3 | $ 405,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 3 | $ 133,000 |
| First Technology Credit Union 3555 SW 153RD DRIVE BEAVERTON, OR 97006 |
* | $ 1,898,905,000 | 2 | $ 198,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 289,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 2,935,360,000 | 2 | $ 100,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 2 | $ 134,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 2 | $ 297,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 103,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 2 | $ 443,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 272,000 |
| Eagle Home Mortgage, LLC 301 116TH AVENUE SE #400 BELLEVUE, WA 98004 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Evergreen Moneysource Mortgage 915 118TH AVENUE SE, SUITE 300 BELLEVUE, WA 98005 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Sound Mortgage,Inc. 500 SOUTH 336TH STREET, SUITE 201 FEDERAL WAY, WA 98003 |
* | $ 10,000,000 | 1 | $ 262,000 |
| First Mortgage Corporation 1131 W. 6TH STREET ONTARIO, CA 91762 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 132,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Hyperion Capital Group 5885 SW MEADOWS ROAD STE 850 LAKE OSWEGO, OR 97035 |
* | $ 66,788,000 | 1 | $ 200,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 54,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Northstar Alliance Inc 333 QUEEN ST SUITE 700 HONOLULU, HI 96813 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Sunset Mortgage Co 16101 SW 72ND AVE STE 200 PORTLAND, OR 97224 |
* | $ 11,000,000 | 1 | $ 86,000 |
| National Bank of St Anne 158 WEST STATION ST ST ANNE, IL 60964 |
* | $ 46,710,000 | 1 | $ 128,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Bank of the Cascades 1070 NW BOND ST, SUITE 101 BEND, OR 97703 |
* | $ 2,263,152,000 | 1 | $ 184,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DR #200 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 1 | $ 417,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 45,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 152,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 200,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 262,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 195,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 150,000 |
| Premier Finance 1463 E. MCANDREWS RD, SUITE 1 MEDFORD, OR 97504 |
* | $ 11,566,648,000 | 1 | $ 110,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 251,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 128,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 96,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 195,000 |
| Northwest Community 545 EAST 8TH AVENUE EUGENE, OR 97401 |
* | $ 623,547,000 | 1 | $ 50,000 |
| Boeing Employees Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 8,700,985,000 | 1 | $ 157,000 |
| Oregon Community Credit Union 2880 CHAD DRIVE EUGENE, OR 97408 |
* | $ 848,969,000 | 1 | $ 95,000 |
The tables below break down 2009 mortgage applications in Lake 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 Lake County, OR in 2009
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 | 217 | $30,500,000 | $140,000 | $1,275,000 | $74,000 | $1,686,000 |
| Home Purchase | 96 | $11,375,000 | $118,000 | $274,000 | $50,000 | $668,000 |
| Home Improvement | 28 | $1,830,000 | $65,000 | $150,000 | $48,000 | $120,000 |
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 | 250 | $32,558,000 | $130,000 | $1,275,000 | $71,000 | $1,686,000 |
| Not Provided | 47 | $6,146,000 | $130,000 | $645,000 | $64,000 | $345,000 |
| Not applicable | 29 | $3,672,000 | $126,000 | $417,000 | $28,000 | $128,000 |
| Hispanic | 11 | $1,030,000 | $93,000 | $150,000 | $42,000 | $75,000 |
| American Indian or Alaskan Native | 2 | $194,000 | $97,000 | $100,000 | $44,000 | $76,000 |
| Asian | 1 | $28,000 | $28,000 | $28,000 | $22,000 | $22,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $77,000 | $77,000 | $77,000 | $71,000 | $71,000 |
| 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) | 232 | $29,845,000 | $128,000 | $1,275,000 | $77,000 | $1,686,000 |
| FHA-insured (Federal Housing Administration) | 70 | $9,031,000 | $129,000 | $262,000 | $47,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,436,000 | $110,000 | $159,000 | $20,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,393,000 | $140,000 | $251,000 | $28,000 | $99,000 |
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 | 128 | $17,015,000 | $132,000 | $500,000 | $84,000 | $1,686,000 |
| Application Denied By Financial Institution | 74 | $9,098,000 | $122,000 | $1,275,000 | $55,000 | $200,000 |
| Loan Purchased By The Institution | 69 | $8,340,000 | $120,000 | $417,000 | $33,000 | $129,000 |
| Application Withdrawn By Applicant | 39 | $4,676,000 | $119,000 | $302,000 | $70,000 | $500,000 |
| Application Approved But Not Accepted | 22 | $3,445,000 | $156,000 | $645,000 | $78,000 | $345,000 |
| File Closed For Incompleteness | 9 | $1,131,000 | $125,000 | $326,000 | $60,000 | $128,000 |
| 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 | 19 | $2,397,000 | $126,000 | $341,000 | $56,000 | $125,000 |
| Credit History | 11 | $731,000 | $66,000 | $175,000 | $60,000 | $106,000 |
| Debt-To-Income Ratio | 10 | $2,238,000 | $223,000 | $1,275,000 | $28,000 | $103,000 |
| Other | 4 | $311,000 | $77,000 | $121,000 | $57,000 | $88,000 |
| Mortgage Insurance Denied | 2 | $128,000 | $64,000 | $67,000 | $42,000 | $58,000 |
| Credit Application Incomplete | 1 | $203,000 | $203,000 | $203,000 | $200,000 | $200,000 |
| Employment History | 1 | $137,000 | $137,000 | $137,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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