Sierra Pacific Mortgage Co. Inc Mortgage Lending & HMDA Data, 2025
In 2025, Sierra Pacific Mortgage Co. Inc of Folsom, CA reported 11,333 mortgage applications totaling $4.4 billion, up 1% from 2024. The average application was for $386,362, and applicants reported an average income of $161,486. 66% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (456), Dallas-Plano-Irving, TX (427) and Wichita, KS (410) (applications in parentheses).
| Mortgage Company & Address | Sierra Pacific Mortgage Co. Inc 1180 Iron Point Rd, Suite 200 Folsom, CA 95630 Tel #: available with data download |
| Federal Regulator | * available with data download |
| 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 | 11,333 |
| Total Mortgage Loan Application Amount | $4,378,645,000 |
| Average Mortgage Loan Application Amount | $386,362 |
| Highest Mortgage Loan Application Amount | $8,025,000 |
| Average Applicant Income | $161,486 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sierra Pacific Mortgage Co. Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,112 | $ 336,630,000 | $ 302,724 | $ 147,206 |
| Los Angeles-Long Beach-Glendale, CA | 456 | $ 255,670,000 | $ 560,679 | $ 209,000 |
| Dallas-Plano-Irving, TX | 427 | $ 185,455,000 | $ 434,320 | $ 195,000 |
| Wichita, KS | 410 | $ 90,100,000 | $ 219,756 | $ 97,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 396 | $ 175,610,000 | $ 443,459 | $ 166,000 |
| Riverside-San Bernardino-Ontario, CA | 329 | $ 146,595,000 | $ 445,577 | $ 158,000 |
| Bakersfield, CA | 321 | $ 107,085,000 | $ 333,598 | $ 135,000 |
| Fresno, CA | 299 | $ 109,665,000 | $ 366,772 | $ 155,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 272 | $ 110,090,000 | $ 404,742 | $ 215,661 |
| Denver-Aurora-Lakewood, CO | 265 | $ 133,245,000 | $ 502,811 | $ 198,000 |
| San Diego-Carlsbad, CA | 247 | $ 144,965,000 | $ 586,902 | $ 198,000 |
| Phoenix-Mesa-Scottsdale, AZ | 246 | $ 95,390,000 | $ 387,764 | $ 160,000 |
| Houston-The Woodlands-Sugar Land, TX | 224 | $ 71,460,000 | $ 319,017 | $ 144,000 |
| Fort Worth-Arlington, TX | 216 | $ 72,420,000 | $ 335,277 | $ 144,000 |
| Baltimore-Columbia-Towson, MD | 214 | $ 76,990,000 | $ 359,766 | $ 159,000 |
| Anaheim-Santa Ana-Irvine, CA | 176 | $ 105,840,000 | $ 601,363 | $ 229,000 |
| Oakland-Hayward-Berkeley, CA | 160 | $ 87,250,000 | $ 545,312 | $ 201,000 |
| Arlington-Alexandria-Reston, VA-WV | 156 | $ 73,320,000 | $ 470,000 | $ 145,628 |
| Cambridge-Newton-Framingham, MA | 142 | $ 67,460,000 | $ 475,070 | $ 168,000 |
| Chicago-Naperville, IL | 140 | $ 43,420,000 | $ 310,142 | $ 143,000 |
| Stockton-Lodi, CA | 136 | $ 56,890,000 | $ 418,308 | $ 134,000 |
| Las Vegas-Henderson-Paradise, NV | 125 | $ 43,035,000 | $ 344,280 | $ 141,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 118 | $ 39,550,000 | $ 335,169 | $ 123,796 |
| Oxnard-Thousand Oaks-Ventura, CA | 111 | $ 56,405,000 | $ 508,153 | $ 163,000 |
| Kansas City, MO-KS | 105 | $ 36,475,000 | $ 347,380 | $ 160,028 |
| Johnson City, TN | 101 | $ 30,965,000 | $ 306,584 | $ 112,000 |
| Boston, MA | 90 | $ 41,570,000 | $ 461,888 | $ 189,000 |
| Orlando-Kissimmee-Sanford, FL | 86 | $ 29,140,000 | $ 338,837 | $ 126,000 |
| Providence-Warwick, RI-MA | 86 | $ 31,280,000 | $ 363,720 | $ 120,558 |
| Spokane-Spokane Valley, WA | 81 | $ 29,465,000 | $ 363,765 | $ 159,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 81 | $ 29,275,000 | $ 361,419 | $ 129,629 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 81 | $ 25,975,000 | $ 320,679 | $ 225,000 |
| Logan, UT-ID | 75 | $ 32,105,000 | $ 428,066 | $ 140,640 |
| Knoxville, TN | 73 | $ 22,005,000 | $ 301,438 | $ 108,000 |
| Tampa, FL | 72 | $ 21,560,000 | $ 299,444 | $ 99,000 |
| Worcester, MA-CT | 71 | $ 26,045,000 | $ 366,830 | $ 205,000 |
| Albuquerque, NM | 66 | $ 19,450,000 | $ 294,696 | $ 152,000 |
| Kingsport-Bristol-Bristol, TN-VA | 66 | $ 18,790,000 | $ 284,696 | $ 106,772 |
| Washington, DC-MD | 66 | $ 23,840,000 | $ 361,212 | $ 149,060 |
| Santa Rosa, CA | 62 | $ 32,340,000 | $ 521,612 | $ 205,000 |
| Provo-Orem, UT | 60 | $ 27,670,000 | $ 461,166 | $ 150,000 |
| Salt Lake City, UT | 60 | $ 26,500,000 | $ 441,666 | $ 150,000 |
| Eugene, OR | 59 | $ 19,825,000 | $ 336,016 | $ 185,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 59 | $ 21,685,000 | $ 367,542 | $ 156,000 |
| Modesto, CA | 59 | $ 20,325,000 | $ 344,491 | $ 121,000 |
| Visalia-Porterville, CA | 59 | $ 20,125,000 | $ 341,101 | $ 114,000 |
| Miami-Miami Beach-Kendall, FL | 58 | $ 18,090,000 | $ 311,896 | $ 235,000 |
| Washington-Baltimore-Arlington, DC | 54 | $ 23,180,000 | $ 429,259 | $ 197,000 |
| Austin-Round Rock, TX | 53 | $ 22,575,000 | $ 425,943 | $ 211,000 |
| New York-Jersey City-White Plains, NY-NJ | 53 | $ 34,795,000 | $ 656,509 | $ 303,849 |
| Atlanta-Sandy Springs-Roswell, GA | 51 | $ 19,615,000 | $ 384,607 | $ 171,000 |
| Yuba City, CA | 49 | $ 18,335,000 | $ 374,183 | $ 125,000 |
| Bend-Redmond, OR | 48 | $ 22,250,000 | $ 463,541 | $ 304,000 |
| El Paso, TX | 48 | $ 13,040,000 | $ 271,666 | $ 120,000 |
| Reno, NV | 47 | $ 19,595,000 | $ 416,914 | $ 183,000 |
| Indianapolis-Carmel-Anderson, IN | 46 | $ 13,450,000 | $ 292,391 | $ 130,000 |
| Tacoma-Lakewood, WA | 46 | $ 21,680,000 | $ 471,304 | $ 155,000 |
| Vallejo-Fairfield, CA | 46 | $ 21,200,000 | $ 460,869 | $ 154,000 |
| Ogden-Clearfield, UT | 45 | $ 19,985,000 | $ 444,111 | $ 136,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 44 | $ 31,000,000 | $ 704,545 | $ 269,000 |
| Savannah, GA | 44 | $ 14,250,000 | $ 323,863 | $ 155,000 |
| Salem, OR | 42 | $ 15,160,000 | $ 360,952 | $ 115,000 |
| Lancaster, PA | 41 | $ 10,785,000 | $ 263,048 | $ 92,000 |
| Charlotte-Concord-Gastonia, NC-SC | 40 | $ 15,640,000 | $ 391,000 | $ 155,500 |
| Richmond, VA | 40 | $ 15,740,000 | $ 393,500 | $ 128,000 |
| Manchester-Nashua, NH | 39 | $ 16,455,000 | $ 421,923 | $ 169,000 |
| Prescott Valley-Prescott, AZ | 39 | $ 13,575,000 | $ 348,076 | $ 109,000 |
| Chico, CA | 37 | $ 10,445,000 | $ 282,297 | $ 129,000 |
| El Centro, CA | 37 | $ 12,625,000 | $ 341,216 | $ 113,000 |
| St. Petersburg-Clearwater-Largo, FL | 34 | $ 11,820,000 | $ 347,647 | $ 165,000 |
| Kennewick-Richland, WA | 32 | $ 10,400,000 | $ 325,000 | $ 114,000 |
| Montgomery County-Bucks County-Chester County, PA | 32 | $ 13,330,000 | $ 416,562 | $ 300,000 |
| Port St. Lucie, FL | 32 | $ 9,610,000 | $ 300,312 | $ 123,000 |
| San Antonio-New Braunfels, TX | 32 | $ 8,840,000 | $ 276,250 | $ 131,000 |
| San Francisco-Redwood City-South San Francisco, CA | 32 | $ 20,180,000 | $ 630,625 | $ 300,000 |
| Tucson, AZ | 32 | $ 12,010,000 | $ 375,312 | $ 149,000 |
| Jacksonville, FL | 31 | $ 8,385,000 | $ 270,483 | $ 111,000 |
| Redding, CA | 31 | $ 9,975,000 | $ 321,774 | $ 107,000 |
| Las Cruces, NM | 29 | $ 8,405,000 | $ 289,827 | $ 111,000 |
| Santa Maria-Santa Barbara, CA | 29 | $ 13,725,000 | $ 473,275 | $ 157,000 |
| Boise City, ID | 28 | $ 12,120,000 | $ 432,857 | $ 146,000 |
| Medford, OR | 28 | $ 10,530,000 | $ 376,071 | $ 155,000 |
| Urban Honolulu, HI | 28 | $ 13,760,000 | $ 491,428 | $ 238,000 |
| Fort Collins, CO | 27 | $ 13,915,000 | $ 515,370 | $ 190,000 |
| Barnstable Town, MA | 26 | $ 7,260,000 | $ 279,230 | $ 190,000 |
| Colorado Springs, CO | 26 | $ 10,010,000 | $ 385,000 | $ 173,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 26 | $ 7,870,000 | $ 302,692 | $ 172,000 |
| Lakewood-New Brunswick, NJ | 26 | $ 14,770,000 | $ 568,076 | $ 333,000 |
| Seattle-Bellevue-Everett, WA | 26 | $ 14,190,000 | $ 545,769 | $ 189,000 |
| Merced, CA | 25 | $ 8,435,000 | $ 337,400 | $ 106,000 |
| Rockingham County-Strafford County, NH | 25 | $ 11,385,000 | $ 455,400 | $ 180,000 |
| Albany, OR | 24 | $ 8,230,000 | $ 342,916 | $ 125,000 |
| Everett, WA | 24 | $ 12,120,000 | $ 505,000 | $ 163,000 |
| Little Rock-North Little Rock-Conway, AR | 24 | $ 3,920,000 | $ 163,333 | $ 171,000 |
| Pittsburgh, PA | 24 | $ 6,720,000 | $ 280,000 | $ 148,000 |
| Boulder, CO | 22 | $ 13,840,000 | $ 629,090 | $ 172,000 |
| Lakeland-Winter Haven, FL | 21 | $ 4,765,000 | $ 226,904 | $ 116,000 |
| Oklahoma City, OK | 21 | $ 4,525,000 | $ 215,476 | $ 241,000 |
| Warren-Troy-Farmington Hills, MI | 21 | $ 6,805,000 | $ 324,047 | $ 165,000 |
| Des Moines-West Des Moines, IA | 20 | $ 4,720,000 | $ 236,000 | $ 92,000 |
| Wilmington, DE-MD-NJ | 20 | $ 7,080,000 | $ 354,000 | $ 133,400 |
| Harrisburg-Carlisle, PA | 19 | $ 4,005,000 | $ 210,789 | $ 95,000 |
| Lansing-East Lansing, MI | 18 | $ 2,580,000 | $ 143,333 | $ 137,000 |
| Marietta, GA | 18 | $ 5,350,000 | $ 297,222 | $ 119,000 |
| Ocala, FL | 18 | $ 3,870,000 | $ 215,000 | $ 87,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 18 | $ 11,540,000 | $ 641,111 | $ 243,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 17 | $ 6,115,000 | $ 359,705 | $ 136,470 |
| Cape Coral-Fort Myers, FL | 17 | $ 5,215,000 | $ 306,764 | $ 134,000 |
| Hanford-Corcoran, CA | 17 | $ 5,325,000 | $ 313,235 | $ 109,000 |
| Sherman-Denison, TX | 17 | $ 7,695,000 | $ 452,647 | $ 203,000 |
| York-Hanover, PA | 17 | $ 3,845,000 | $ 226,176 | $ 110,000 |
| Longview, TX | 16 | $ 3,880,000 | $ 242,500 | $ 127,000 |
| Louisville/Jefferson County, KY-IN | 16 | $ 4,510,000 | $ 281,875 | $ 146,250 |
| Lubbock, TX | 16 | $ 3,650,000 | $ 228,125 | $ 103,000 |
| Newark, NJ-PA | 16 | $ 8,780,000 | $ 548,750 | $ 243,000 |
| Elgin, IL | 15 | $ 4,265,000 | $ 284,333 | $ 149,000 |
| Madison, WI | 15 | $ 5,225,000 | $ 348,333 | $ 182,000 |
| Morristown, TN | 15 | $ 4,225,000 | $ 281,666 | $ 87,000 |
| Wilmington, NC | 15 | $ 3,775,000 | $ 251,666 | $ 77,000 |
| Greenville-Anderson-Mauldin, SC | 14 | $ 4,240,000 | $ 302,857 | $ 132,000 |
| Homosassa Springs, FL | 14 | $ 2,620,000 | $ 187,142 | $ 168,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 14 | $ 7,130,000 | $ 509,285 | $ 206,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 2,940,000 | $ 210,000 | $ 96,142 |
| Raleigh, NC | 14 | $ 5,830,000 | $ 416,428 | $ 180,000 |
| Waco, TX | 14 | $ 3,650,000 | $ 260,714 | $ 104,000 |
| Detroit-Dearborn-Livonia, MI | 13 | $ 3,315,000 | $ 255,000 | $ 117,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 4,105,000 | $ 315,769 | $ 105,846 |
| Memphis, TN-MS-AR | 13 | $ 2,385,000 | $ 183,461 | $ 87,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 13 | $ 5,285,000 | $ 406,538 | $ 247,000 |
| Philadelphia, PA | 13 | $ 4,915,000 | $ 378,076 | $ 147,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 3,820,000 | $ 318,333 | $ 212,000 |
| Charleston-North Charleston, SC | 12 | $ 4,660,000 | $ 388,333 | $ 143,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 6,130,000 | $ 510,833 | $ 207,000 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 4,510,000 | $ 375,833 | $ 195,000 |
| Springfield, IL | 12 | $ 1,780,000 | $ 148,333 | $ 76,000 |
| St. George, UT | 12 | $ 4,210,000 | $ 350,833 | $ 110,000 |
| Appleton, WI | 11 | $ 3,515,000 | $ 319,545 | $ 114,000 |
| Camden, NJ | 11 | $ 3,705,000 | $ 336,818 | $ 138,000 |
| San Rafael, CA | 11 | $ 7,645,000 | $ 695,000 | $ 357,000 |
| Springfield, MA | 11 | $ 2,855,000 | $ 259,545 | $ 116,000 |
| Corvallis, OR | 10 | $ 4,120,000 | $ 412,000 | $ 159,000 |
| Lexington Park, MD | 10 | $ 3,750,000 | $ 375,000 | $ 160,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 2,330,000 | $ 233,000 | $ 81,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 7,220,000 | $ 722,000 | $ 260,000 |
| Coeur D'Alene, ID | 9 | $ 3,785,000 | $ 420,555 | $ 137,000 |
| Columbus, OH | 9 | $ 2,585,000 | $ 287,222 | $ 205,000 |
| Greeley, CO | 9 | $ 3,825,000 | $ 425,000 | $ 169,000 |
| Lebanon, PA | 9 | $ 2,465,000 | $ 273,888 | $ 106,000 |
| Tulsa, OK | 9 | $ 1,835,000 | $ 203,888 | $ 99,000 |
| Cleveland, OH | 8 | $ 1,750,000 | $ 218,750 | $ 140,000 |
| College Station-Bryan, TX | 8 | $ 2,630,000 | $ 328,750 | $ 98,000 |
| Flint, MI | 8 | $ 1,120,000 | $ 140,000 | $ 134,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,710,000 | $ 213,750 | $ 105,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 2,270,000 | $ 283,750 | $ 163,000 |
| Salinas, CA | 8 | $ 5,180,000 | $ 647,500 | $ 173,000 |
| St. Louis, MO-IL | 8 | $ 2,180,000 | $ 272,500 | $ 96,750 |
| Asheville, NC | 7 | $ 3,035,000 | $ 433,571 | $ 179,000 |
| Bellingham, WA | 7 | $ 2,485,000 | $ 355,000 | $ 174,000 |
| Corpus Christi, TX | 7 | $ 2,105,000 | $ 300,714 | $ 106,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 3,635,000 | $ 519,285 | $ 1,061,000 |
| Kahului-Wailuku-Lahaina, HI | 7 | $ 5,855,000 | $ 836,428 | $ 224,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 2,195,000 | $ 313,571 | $ 81,000 |
| Sebastian-Vero Beach, FL | 7 | $ 2,925,000 | $ 417,857 | $ 236,000 |
| Auburn-Opelika, AL | 6 | $ 1,030,000 | $ 171,666 | $ 173,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 1,590,000 | $ 265,000 | $ 178,000 |
| Greensboro-High Point, NC | 6 | $ 1,790,000 | $ 298,333 | $ 104,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 2,170,000 | $ 361,666 | $ 227,000 |
| Hinesville, GA | 6 | $ 2,060,000 | $ 343,333 | $ 100,000 |
| Jonesboro, AR | 6 | $ 2,170,000 | $ 361,666 | $ 0 |
| Olympia-Tumwater, WA | 6 | $ 3,050,000 | $ 508,333 | $ 129,000 |
| Punta Gorda, FL | 6 | $ 1,250,000 | $ 208,333 | $ 99,000 |
| Yakima, WA | 6 | $ 1,910,000 | $ 318,333 | $ 109,000 |
| Brownsville-Harlingen, TX | 5 | $ 2,195,000 | $ 439,000 | $ 134,000 |
| Cincinnati, OH-KY-IN | 5 | $ 1,885,000 | $ 377,000 | $ 162,000 |
| Columbia, SC | 5 | $ 1,195,000 | $ 239,000 | $ 237,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 1,215,000 | $ 243,000 | $ 125,000 |
| Macon-Bibb County, GA | 5 | $ 1,265,000 | $ 253,000 | $ 289,000 |
| Midland, TX | 5 | $ 1,305,000 | $ 261,000 | $ 117,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 1,855,000 | $ 371,000 | $ 606,000 |
| Napa, CA | 5 | $ 2,035,000 | $ 407,000 | $ 480,000 |
| Reading, PA | 5 | $ 1,385,000 | $ 277,000 | $ 101,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 5 | $ 1,325,000 | $ 265,000 | $ 194,000 |
| Winchester, VA-WV | 5 | $ 1,785,000 | $ 357,000 | $ 387,000 |
| Yuma, AZ | 5 | $ 1,055,000 | $ 211,000 | $ 102,000 |
| Beaumont-Port Arthur, TX | 4 | $ 1,180,000 | $ 295,000 | $ 125,000 |
| Bremerton-Silverdale, WA | 4 | $ 2,290,000 | $ 572,500 | $ 209,000 |
| Fayetteville, NC | 4 | $ 950,000 | $ 237,500 | $ 77,000 |
| Flagstaff, AZ | 4 | $ 1,850,000 | $ 462,500 | $ 152,000 |
| Gainesville, FL | 4 | $ 1,040,000 | $ 260,000 | $ 100,000 |
| Gettysburg, PA | 4 | $ 1,150,000 | $ 287,500 | $ 119,000 |
| Grand Junction, CO | 4 | $ 1,470,000 | $ 367,500 | $ 134,000 |
| Killeen-Temple, TX | 4 | $ 1,070,000 | $ 267,500 | $ 119,000 |
| Lewiston, ID-WA | 4 | $ 1,210,000 | $ 302,500 | $ 104,250 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,240,000 | $ 310,000 | $ 92,000 |
| Nassau County-Suffolk County, NY | 4 | $ 1,960,000 | $ 490,000 | $ 231,000 |
| Oshkosh-Neenah, WI | 4 | $ 1,040,000 | $ 260,000 | $ 110,000 |
| Racine, WI | 4 | $ 350,000 | $ 87,500 | $ 156,000 |
| Roanoke, VA | 4 | $ 1,400,000 | $ 350,000 | $ 167,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 1,470,000 | $ 367,500 | $ 183,000 |
| Springfield, MO | 4 | $ 930,000 | $ 232,500 | $ 113,000 |
| Wildwood-The Villages, FL | 4 | $ 1,470,000 | $ 367,500 | $ 100,000 |
| Ames, IA | 3 | $ 665,000 | $ 221,666 | $ 107,000 |
| Ann Arbor, MI | 3 | $ 905,000 | $ 301,666 | $ 172,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 335,000 | $ 111,666 | $ 113,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 475,000 | $ 158,333 | $ 185,000 |
| Birmingham-Hoover, AL | 3 | $ 665,000 | $ 221,666 | $ 106,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 1,155,000 | $ 385,000 | $ 192,000 |
| Dalton, GA | 3 | $ 685,000 | $ 228,333 | $ 127,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,155,000 | $ 385,000 | $ 138,000 |
| Jacksonville, NC | 3 | $ 805,000 | $ 268,333 | $ 141,000 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 635,000 | $ 211,666 | $ 61,000 |
| Longview, WA | 3 | $ 1,125,000 | $ 375,000 | $ 155,000 |
| Lynchburg, VA | 3 | $ 1,235,000 | $ 411,666 | $ 204,000 |
| Mobile, AL | 3 | $ 285,000 | $ 95,000 | $ 46,000 |
| Monroe, MI | 3 | $ 285,000 | $ 95,000 | $ 88,000 |
| New Haven-Milford, CT | 3 | $ 1,005,000 | $ 335,000 | $ 152,000 |
| Pueblo, CO | 3 | $ 1,305,000 | $ 435,000 | $ 118,000 |
| Santa Fe, NM | 3 | $ 975,000 | $ 325,000 | $ 110,000 |
| St. Cloud, MN | 3 | $ 605,000 | $ 201,666 | $ 63,000 |
| State College, PA | 3 | $ 915,000 | $ 305,000 | $ 104,000 |
| Traverse City, MI | 3 | $ 1,025,000 | $ 341,666 | $ 81,000 |
| Trenton, NJ | 3 | $ 1,555,000 | $ 518,333 | $ 163,000 |
| Tyler, TX | 3 | $ 1,355,000 | $ 451,666 | $ 369,000 |
| Walla Walla, WA | 3 | $ 935,000 | $ 311,666 | $ 113,000 |
| Abilene, TX | 2 | $ 1,070,000 | $ 535,000 | $ 0 |
| Anchorage, AK | 2 | $ 710,000 | $ 355,000 | $ 152,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 830,000 | $ 415,000 | $ 195,000 |
| Billings, MT | 2 | $ 580,000 | $ 290,000 | $ 122,000 |
| Chattanooga, TN-GA | 2 | $ 460,000 | $ 230,000 | $ 64,500 |
| Clarksville, TN-KY | 2 | $ 520,000 | $ 260,000 | $ 73,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 740,000 | $ 370,000 | $ 39,000 |
| Jackson, MI | 2 | $ 490,000 | $ 245,000 | $ 94,000 |
| Jackson, TN | 2 | $ 170,000 | $ 85,000 | $ 39,000 |
| Kingston, NY | 2 | $ 1,130,000 | $ 565,000 | $ 215,000 |
| Laredo, TX | 2 | $ 730,000 | $ 365,000 | $ 176,000 |
| Lincoln, NE | 2 | $ 340,000 | $ 170,000 | $ 39,000 |
| Manhattan, KS | 2 | $ 520,000 | $ 260,000 | $ 131,000 |
| Missoula, MT | 2 | $ 620,000 | $ 310,000 | $ 118,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 860,000 | $ 430,000 | $ 91,000 |
| Panama City, FL | 2 | $ 610,000 | $ 305,000 | $ 81,000 |
| Pittsfield, MA | 2 | $ 1,040,000 | $ 520,000 | $ 747,000 |
| Portland-South Portland, ME | 2 | $ 420,000 | $ 210,000 | $ 701,000 |
| Rochester, MN | 2 | $ 510,000 | $ 255,000 | $ 73,000 |
| Salisbury, MD-DE | 2 | $ 500,000 | $ 250,000 | $ 89,000 |
| San Angelo, TX | 2 | $ 270,000 | $ 135,000 | $ 51,000 |
| Sebring, FL | 2 | $ 420,000 | $ 210,000 | $ 52,000 |
| Spartanburg, SC | 2 | $ 550,000 | $ 275,000 | $ 89,000 |
| St. Joseph, MO-KS | 2 | $ 220,000 | $ 110,000 | $ 72,000 |
| Victoria, TX | 2 | $ 820,000 | $ 410,000 | $ 130,000 |
| Waterbury-Shelton, CT | 2 | $ 1,000,000 | $ 500,000 | $ 188,000 |
| Winston-Salem, NC | 2 | $ 360,000 | $ 180,000 | $ 185,000 |
| Akron, OH | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Altoona, PA | 1 | $ 195,000 | $ 195,000 | $ 143,000 |
| Amarillo, TX | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Amherst Town-Northampton, MA | 1 | $ 365,000 | $ 365,000 | $ 191,000 |
| Bismarck, ND | 1 | $ 305,000 | $ 305,000 | $ 186,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Carson City, NV | 1 | $ 295,000 | $ 295,000 | $ 61,000 |
| Charlottesville, VA | 1 | $ 315,000 | $ 315,000 | $ 129,000 |
| Cleveland, TN | 1 | $ 285,000 | $ 285,000 | $ 57,000 |
| Columbus, GA-AL | 1 | $ 325,000 | $ 325,000 | $ 194,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 165,000 | $ 165,000 | $ 170,000 |
| Decatur, AL | 1 | $ 465,000 | $ 465,000 | $ 285,000 |
| Dover, DE | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| Duluth, MN-WI | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Elizabethtown-Fort Knox, KY | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Enid, OK | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Erie, PA | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Grand Island, NE | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Grants Pass, OR | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Hammond, LA | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Helena, MT | 1 | $ 385,000 | $ 385,000 | $ 205,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 305,000 | $ 305,000 | $ 68,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Huntsville, AL | 1 | $ 235,000 | $ 235,000 | $ 195,000 |
| Idaho Falls, ID | 1 | $ 365,000 | $ 365,000 | $ 115,000 |
| Janesville-Beloit, WI | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Johnstown, PA | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Kankakee, IL | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Kenosha, WI | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Lafayette, LA | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Lake Charles, LA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lawrence, KS | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Lawton, OK | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
| Lexington-Fayette, KY | 1 | $ 405,000 | $ 405,000 | $ 127,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 515,000 | $ 515,000 | $ 464,000 |
| Michigan City-La Porte, IN | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Montgomery, AL | 1 | $ 365,000 | $ 365,000 | $ 91,000 |
| Morgantown, WV | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Muskegon, MI | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Norwich-New London, CT | 1 | $ 495,000 | $ 495,000 | $ 185,000 |
| Odessa, TX | 1 | $ 365,000 | $ 365,000 | $ 123,000 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Rocky Mount, NC | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Springfield, OH | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Staunton-Waynesboro, VA | 1 | $ 385,000 | $ 385,000 | $ 111,000 |
| Toledo, OH | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Wausau, WI | 1 | $ 155,000 | $ 155,000 | $ 336,000 |
| Wichita Falls, TX | 1 | $ 185,000 | $ 185,000 | $ 170,000 |
Mortgage Loan Application Detail Totals for Sierra Pacific Mortgage Co. Inc in 2025
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 | 8,569 | $3,446,635,000 | $402,000 | $2,485,000 | $157,000 | $9,999,000 |
| Cash-out Refinancing | 1,100 | $382,900,000 | $348,000 | $1,505,000 | $172,000 | $9,999,000 |
| Refinancing | 996 | $442,440,000 | $444,000 | $8,025,000 | $182,000 | $1,918,000 |
| Other Purpose | 366 | $49,040,000 | $133,000 | $755,000 | $163,000 | $5,500,000 |
| Home Improvement | 302 | $57,630,000 | $190,000 | $1,235,000 | $181,000 | $3,259,000 |
| Not Applicable | 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 | 5,109 | $1,916,205,000 | $375,000 | $8,025,000 | $165,000 | $9,999,000 |
| Hispanic | 2,138 | $774,250,000 | $362,000 | $1,525,000 | $134,000 | $5,665,000 |
| Not Provided | 1,705 | $676,175,000 | $396,000 | $2,485,000 | $178,000 | $5,500,000 |
| Asian | 1,051 | $486,855,000 | $463,000 | $2,205,000 | $183,000 | $3,259,000 |
| Not applicable | 769 | $317,625,000 | $413,000 | $1,935,000 | $0 | $0 |
| Black or African American | 460 | $167,870,000 | $364,000 | $1,085,000 | $135,000 | $1,458,000 |
| American Indian or Alaskan Native | 72 | $25,830,000 | $358,000 | $805,000 | $137,000 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 29 | $13,835,000 | $477,000 | $1,405,000 | $208,000 | $2,148,000 |
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) | 8,635 | $3,385,705,000 | $392,000 | $8,025,000 | $178,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 2,143 | $783,085,000 | $365,000 | $1,275,000 | $110,000 | $1,080,000 |
| VA-guaranteed (Veterans Administration) | 399 | $170,335,000 | $426,000 | $1,435,000 | $132,000 | $477,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 156 | $39,520,000 | $253,000 | $605,000 | $85,000 | $177,000 |
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 | 7,434 | $2,862,760,000 | $385,000 | $2,485,000 | $159,000 | $9,999,000 |
| Application Withdrawn By Applicant | 1,927 | $794,265,000 | $412,000 | $8,025,000 | $173,000 | $9,999,000 |
| Application Denied By Financial Institution | 868 | $284,810,000 | $328,000 | $1,785,000 | $140,000 | $3,600,000 |
| Loan Purchased By The Institution | 769 | $317,625,000 | $413,000 | $1,935,000 | $0 | $0 |
| Application Approved But Not Accepted | 208 | $62,450,000 | $300,000 | $1,495,000 | $198,000 | $1,918,000 |
| File Closed For Incompleteness | 108 | $49,460,000 | $457,000 | $2,205,000 | $180,000 | $1,628,000 |
| Preapproval Approved but not Accepted | 14 | $4,940,000 | $352,000 | $775,000 | $127,000 | $373,000 |
| Preapproval Denied by Financial Institution | 5 | $2,335,000 | $467,000 | $605,000 | $144,000 | $252,000 |
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 | 10,460 | $4,091,500,000 | $391,000 | $8,025,000 | $163,000 | $9,999,000 |
| Debt-To-Income Ratio | 218 | $62,640,000 | $287,000 | $1,495,000 | $98,000 | $666,000 |
| Employment History | 143 | $46,515,000 | $325,000 | $935,000 | $114,000 | $663,000 |
| Collateral | 118 | $38,580,000 | $326,000 | $975,000 | $184,000 | $3,600,000 |
| Credit Application Incomplete | 108 | $39,720,000 | $367,000 | $1,165,000 | $219,000 | $1,507,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 93 | $32,475,000 | $349,000 | $1,165,000 | $120,000 | $492,000 |
| Unverifiable Information | 83 | $29,115,000 | $350,000 | $805,000 | $129,000 | $471,000 |
| Credit History | 62 | $21,600,000 | $348,000 | $1,405,000 | $169,000 | $1,034,000 |
| Other | 48 | $16,500,000 | $343,000 | $1,785,000 | $175,000 | $1,379,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sierra Pacific Mortgage Co. Inc's 2025 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 Sierra Pacific Mortgage Co. Inc'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 California, download the full spreadsheet
with aggregated HMDA statistics today.
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