Gallic & Johnson, LLC Mortgage Lending & HMDA Data, 2018
In 2018, Gallic & Johnson, LLC of Eugene, OR reported 114 mortgage applications totaling $19.5 million. The average application was for $171,403, and applicants reported an average income of $124,631. 74% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Eugene, OR (54), Salem, OR (15) and Portland-Vancouver-Hillsboro, OR-WA (12) (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 | 114 |
| Total Mortgage Loan Application Amount | $19,540,000 |
| Average Mortgage Loan Application Amount | $171,403 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $124,631 |
| Highest Applicant Income | $955,000 |
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(HMDA) records Gallic & Johnson, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Gallic & Johnson, LLC in 2018
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 | 57 | $10,715,000 | $187,000 | $705,000 | $133,000 | $480,000 |
| Cash-out Refinancing | 50 | $7,590,000 | $151,000 | $755,000 | $124,000 | $955,000 |
| Refinancing | 7 | $1,235,000 | $176,000 | $405,000 | $61,000 | $138,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 66 | $12,550,000 | $190,000 | $755,000 | $137,000 | $955,000 |
| White | 41 | $6,335,000 | $154,000 | $435,000 | $108,000 | $449,000 |
| Hispanic | 5 | $535,000 | $107,000 | $165,000 | $111,000 | $288,000 |
| Not applicable | 1 | $55,000 | $55,000 | $55,000 | $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 |
| 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) | 114 | $19,540,000 | $171,000 | $755,000 | $124,000 | $955,000 |
| 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 | 84 | $13,360,000 | $159,000 | $755,000 | $125,000 | $955,000 |
| Application Withdrawn By Applicant | 22 | $4,390,000 | $199,000 | $595,000 | $118,000 | $350,000 |
| Application Denied By Financial Institution | 7 | $1,085,000 | $155,000 | $315,000 | $144,000 | $480,000 |
| Preapproval Denied by Financial Institution | 1 | $705,000 | $705,000 | $705,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 106 | $17,750,000 | $167,000 | $755,000 | $123,000 | $955,000 |
| Other | 4 | $710,000 | $177,000 | $315,000 | $194,000 | $480,000 |
| Debt-To-Income Ratio | 4 | $1,080,000 | $270,000 | $705,000 | $43,000 | $68,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gallic & Johnson, LLC's 2018 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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