Gallic & Johnson, LLC Mortgage Lending & HMDA Data, 2023
In 2023, Gallic & Johnson, LLC of Eugene, OR reported 132 mortgage applications totaling $36.5 million, up 2% from 2022. The average application was for $276,818, and applicants reported an average income of $151,659. 85% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Eugene, OR (63), Portland-Vancouver-Hillsboro, OR-WA (16) and Salem, OR (15) (applications in parentheses).
| Mortgage Company & Address | Gallic & Johnson, LLC 146 E 12th Ave Eugene, OR 97401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2018 |
| Total Number of Mortgage Applications | 132 |
| Total Mortgage Loan Application Amount | $36,540,000 |
| Average Mortgage Loan Application Amount | $276,818 |
| Highest Mortgage Loan Application Amount | $1,705,000 |
| Average Applicant Income | $151,659 |
| Highest Applicant Income | $2,067,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gallic & Johnson, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lane, Oregon | 63 | $ 19,055,000 | $ 302,460 | $ 156,000 |
| Douglas, Oregon | 11 | $ 1,925,000 | $ 175,000 | $ 114,000 |
| Marion, Oregon | 9 | $ 2,585,000 | $ 287,222 | $ 111,000 |
| Multnomah, Oregon | 8 | $ 2,590,000 | $ 323,750 | $ 263,000 |
| Polk, Oregon | 6 | $ 1,520,000 | $ 253,333 | $ 129,000 |
| Coos, Oregon | 5 | $ 785,000 | $ 157,000 | $ 74,000 |
| Clackamas, Oregon | 3 | $ 385,000 | $ 128,333 | $ 124,000 |
| Jefferson, Oregon | 3 | $ 515,000 | $ 171,666 | $ 147,000 |
| Josephine, Oregon | 3 | $ 635,000 | $ 211,666 | $ 78,000 |
| Washington, Oregon | 3 | $ 1,865,000 | $ 621,666 | $ 298,000 |
| Benton, Oregon | 2 | $ 710,000 | $ 355,000 | $ 244,000 |
| Jackson, Oregon | 2 | $ 370,000 | $ 185,000 | $ 109,000 |
| Linn, Oregon | 2 | $ 490,000 | $ 245,000 | $ 66,000 |
| Yamhill, Oregon | 2 | $ 420,000 | $ 210,000 | $ 213,000 |
| Clatsop, Oregon | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Crook, Oregon | 1 | $ 465,000 | $ 465,000 | $ 131,000 |
| Curry, Oregon | 1 | $ 355,000 | $ 355,000 | $ 180,000 |
| Deschutes, Oregon | 1 | $ 835,000 | $ 835,000 | $ 338,000 |
| Klamath, Oregon | 1 | $ 95,000 | $ 95,000 | $ 216,000 |
| Lake, Oregon | 1 | $ 155,000 | $ 155,000 | $ 240,000 |
| Lincoln, Oregon | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Tillamook, Oregon | 1 | $ 265,000 | $ 265,000 | $ 138,000 |
| Wallowa, Oregon | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Gallic & Johnson, LLC 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 70 | $14,660,000 | $209,000 | $1,275,000 | $110,000 | $585,000 |
| Home Purchase | 57 | $19,555,000 | $343,000 | $1,705,000 | $207,000 | $2,067,000 |
| Refinancing | 5 | $2,325,000 | $465,000 | $1,075,000 | $104,000 | $180,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 77 | $20,795,000 | $270,000 | $1,705,000 | $151,000 | $2,067,000 |
| Not Provided | 44 | $13,490,000 | $306,000 | $1,275,000 | $154,000 | $585,000 |
| Hispanic | 11 | $2,255,000 | $205,000 | $605,000 | $155,000 | $567,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 132 | $36,540,000 | $276,000 | $1,705,000 | $152,000 | $2,067,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 112 | $29,680,000 | $265,000 | $1,705,000 | $155,000 | $2,067,000 |
| Application Withdrawn By Applicant | 14 | $5,380,000 | $384,000 | $885,000 | $123,000 | $199,000 |
| Application Denied By Financial Institution | 6 | $1,480,000 | $246,000 | $465,000 | $161,000 | $468,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 126 | $35,060,000 | $278,000 | $1,705,000 | $152,000 | $2,067,000 |
| Other | 3 | $525,000 | $175,000 | $325,000 | $189,000 | $468,000 |
| Debt-To-Income Ratio | 2 | $800,000 | $400,000 | $465,000 | $125,000 | $131,000 |
| Credit History | 1 | $155,000 | $155,000 | $155,000 | $148,000 | $148,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gallic & Johnson, LLC's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Gallic & Johnson, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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