Lewis & Clark Bank Mortgage Lending & HMDA Data, 2009
In 2009, Lewis & Clark Bank of Oregon City, OR reported 42 mortgage applications totaling $11.8 million, up 180% from 2008. The average application was for $281,880, and applicants reported an average income of $189,714. 74% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Portland-Vancouver-Beaverton, OR-WA (40), Bend, OR (1) and Corvallis, OR (1) (applications in parentheses).
| Mortgage Company & Address | Lewis & Clark Bank Po Box 1630 Oregon City, OR 97045 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 42 |
| Total Mortgage Loan Application Amount | $11,839,000 |
| Average Mortgage Loan Application Amount | $281,880 |
| Highest Mortgage Loan Application Amount | $2,675,000 |
| Average Applicant Income | $189,714 |
| Highest Applicant Income | $1,363,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lewis & Clark Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Lewis & Clark Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 27 | $8,527,000 | $315,000 | $2,675,000 | $184,000 | $1,344,000 |
| Refinancing | 15 | $3,312,000 | $220,000 | $600,000 | $200,000 | $1,363,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 14 | $7,200,000 | $514,000 | $2,675,000 | $0 | $0 |
| Not Provided | 14 | $1,551,000 | $110,000 | $232,000 | $509,000 | $1,363,000 |
| White | 12 | $2,609,000 | $217,000 | $410,000 | $59,000 | $120,000 |
| Asian | 1 | $240,000 | $240,000 | $240,000 | $86,000 | $86,000 |
| Black or African American | 1 | $239,000 | $239,000 | $239,000 | $82,000 | $82,000 |
| Hispanic | 0 | $0 | $0 | $0 | $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 |
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) | 42 | $11,839,000 | $281,000 | $2,675,000 | $190,000 | $1,363,000 |
| 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 | 31 | $8,966,000 | $289,000 | $2,675,000 | $239,000 | $1,363,000 |
| Application Withdrawn By Applicant | 6 | $1,343,000 | $223,000 | $240,000 | $84,000 | $120,000 |
| Application Denied By Financial Institution | 5 | $1,530,000 | $306,000 | $450,000 | $13,000 | $27,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $730,000 | $243,000 | $410,000 | $22,000 | $27,000 |
| Collateral | 2 | $800,000 | $400,000 | $450,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lewis & Clark Bank's 2009 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 Lewis & Clark Bank'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.
For a list of all lenders in Oregon, download the full spreadsheet
with aggregated HMDA statistics today.
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