Stearns Lending, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Stearns Lending, Llc 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Stearns Lending, Llc 4 Hutton Centre, 10Th Floor Santa Ana, CA 92707 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 7,735 |
| Total Mortgage Loan Application Amount | $1,508,865,000 |
| Average Mortgage Loan Application Amount | $172,818 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $93,181 |
| Highest Applicant Income | $7,298,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Stearns Lending, Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Stearns Lending, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Stearns Lending, Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Stearns Lending, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Stearns Lending, Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Stearns Lending, Llc's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange County California | 1,925 | $ 453,858,000 | $ 235,000 | $ 109,000 |
| Los Angeles County California | 1,730 | $ 357,331,000 | $ 206,000 | $ 66,000 |
| Riverside County California | 824 | $ 138,903,000 | $ 168,000 | $ 73,000 |
| Fresno County California | 674 | $ 95,659,000 | $ 141,000 | $ 71,000 |
| San Bernardino County California | 563 | $ 83,703,000 | $ 148,000 | $ 57,000 |
| Anne Arundel County Maryland | 409 | $ 76,172,000 | $ 186,000 | $ 55,000 |
| Madera County California | 280 | $ 42,983,000 | $ 153,000 | $ 69,000 |
| Prince George's County Maryland | 134 | $ 22,602,000 | $ 168,000 | $ 61,000 |
| Kern County California | 117 | $ 14,701,000 | $ 125,000 | $ 103,000 |
| Hawaii County Hawaii | 110 | $ 30,713,000 | $ 279,000 | $ 286,000 |
| San Diego County California | 106 | $ 26,366,000 | $ 248,000 | $ 87,000 |
| Tulare County California | 82 | $ 9,233,000 | $ 112,000 | $ 80,000 |
| Baltimore County Maryland | 62 | $ 8,387,000 | $ 135,000 | $ 52,000 |
| Howard County Maryland | 59 | $ 12,020,000 | $ 203,000 | $ 76,000 |
| Montgomery County Maryland | 56 | $ 12,211,000 | $ 218,000 | $ 86,000 |
| Sacramento County California | 39 | $ 6,823,000 | $ 174,000 | $ 51,000 |
| Santa Clara County California | 39 | $ 12,137,000 | $ 311,000 | $ 120,000 |
| Baltimore City County Maryland | 36 | $ 3,951,000 | $ 109,000 | $ 57,000 |
| Ventura County California | 27 | $ 6,911,000 | $ 255,000 | $ 96,000 |
| Honolulu County Hawaii | 23 | $ 5,887,000 | $ 255,000 | $ 105,000 |
| Mariposa County California | 21 | $ 4,016,000 | $ 191,000 | $ 110,000 |
| Alameda County California | 20 | $ 5,762,000 | $ 288,000 | $ 85,000 |
| Solano County California | 18 | $ 3,599,000 | $ 199,000 | $ 86,000 |
| Contra Costa County California | 17 | $ 5,171,000 | $ 304,000 | $ 94,000 |
| San Joaquin County California | 17 | $ 3,141,000 | $ 184,000 | $ 52,000 |
| Frederick County Maryland | 17 | $ 3,807,000 | $ 223,000 | $ 85,000 |
| Merced County California | 16 | $ 2,932,000 | $ 183,000 | $ 69,000 |
| District of Columbia County District Of Columbia | 16 | $ 2,339,000 | $ 146,000 | $ 67,000 |
| Kings County California | 14 | $ 1,539,000 | $ 109,000 | $ 55,000 |
| Queen Anne's County Maryland | 14 | $ 3,373,000 | $ 240,000 | $ 58,000 |
| Fairfax County Virginia | 14 | $ 2,883,000 | $ 205,000 | $ 55,000 |
| Carroll County Maryland | 13 | $ 2,701,000 | $ 207,000 | $ 52,000 |
| Harford County Maryland | 13 | $ 2,108,000 | $ 162,000 | $ 96,000 |
| Calvert County Maryland | 12 | $ 2,241,000 | $ 186,000 | $ 79,000 |
| San Luis Obispo County California | 11 | $ 2,437,000 | $ 221,000 | $ 41,000 |
| Maricopa County Arizona | 7 | $ 850,000 | $ 121,000 | $ 69,000 |
| Santa Cruz County California | 7 | $ 1,676,000 | $ 239,000 | $ 108,000 |
| St. Mary's County Maryland | 7 | $ 1,130,000 | $ 161,000 | $ 61,000 |
| Butte County California | 6 | $ 796,000 | $ 132,000 | $ 54,000 |
| Placer County California | 6 | $ 1,211,000 | $ 201,000 | $ 77,000 |
| Santa Barbara County California | 6 | $ 3,367,000 | $ 561,000 | $ 59,000 |
| Stanislaus County California | 6 | $ 1,004,000 | $ 167,000 | $ 262,000 |
| Charles County Maryland | 6 | $ 1,334,000 | $ 222,000 | $ 61,000 |
| Loudoun County Virginia | 6 | $ 1,029,000 | $ 171,000 | $ 78,000 |
| El Dorado County California | 5 | $ 918,000 | $ 183,000 | $ 62,000 |
| Clark County Nevada | 5 | $ 532,000 | $ 106,000 | $ 34,000 |
| El Paso County Texas | 5 | $ 365,000 | $ 73,000 | $ 45,000 |
| Monterey County California | 4 | $ 1,460,000 | $ 365,000 | $ 149,000 |
| Sonoma County California | 4 | $ 1,026,000 | $ 256,000 | $ 122,000 |
| Yuba County California | 4 | $ 605,000 | $ 151,000 | $ 60,000 |
| Maui County Hawaii | 4 | $ 1,118,000 | $ 279,000 | $ 176,000 |
| Worcester County Maryland | 4 | $ 587,000 | $ 146,000 | $ 223,000 |
| Washoe County Nevada | 4 | $ 513,000 | $ 128,000 | $ 68,000 |
| Inyo County California | 3 | $ 665,000 | $ 221,000 | $ 41,000 |
| Napa County California | 3 | $ 882,000 | $ 294,000 | $ 175,000 |
| San Francisco County California | 3 | $ 1,037,000 | $ 345,000 | $ 64,000 |
| Tuolumne County California | 3 | $ 490,000 | $ 163,000 | $ 44,000 |
| Alachua County Florida | 3 | $ 476,000 | $ 158,000 | $ 79,000 |
| Chesterfield County Virginia | 3 | $ 405,000 | $ 135,000 | $ 62,000 |
| Prince William County Virginia | 3 | $ 854,000 | $ 284,000 | $ 141,000 |
| King County Washington | 3 | $ 446,000 | $ 148,000 | $ 148,000 |
| Mohave County Arizona | 2 | $ 160,000 | $ 80,000 | $ 20,000 |
| Humboldt County California | 2 | $ 255,000 | $ 127,000 | $ 58,000 |
| Marin County California | 2 | $ 711,000 | $ 355,000 | $ 92,000 |
| Mono County California | 2 | $ 782,000 | $ 391,000 | $ 197,000 |
| Nevada County California | 2 | $ 312,000 | $ 156,000 | $ 67,000 |
| San Mateo County California | 2 | $ 806,000 | $ 403,000 | $ 127,000 |
| Siskiyou County California | 2 | $ 236,000 | $ 118,000 | $ 39,000 |
| Sussex County Delaware | 2 | $ 390,000 | $ 195,000 | $ 131,000 |
| Broward County Florida | 2 | $ 336,000 | $ 168,000 | $ 91,000 |
| Bonner County Idaho | 2 | $ 129,000 | $ 64,000 | $ 25,000 |
| Caroline County Maryland | 2 | $ 302,000 | $ 151,000 | $ 62,000 |
| Kent County Maryland | 2 | $ 175,000 | $ 87,000 | $ 38,000 |
| Wicomico County Maryland | 2 | $ 204,000 | $ 102,000 | $ 33,000 |
| Washington County Oregon | 2 | $ 135,000 | $ 67,000 | $ 72,000 |
| Fannin County Texas | 2 | $ 135,000 | $ 67,000 | $ 80,000 |
| Alexandria County Virginia | 2 | $ 600,000 | $ 300,000 | $ 100,000 |
| San Juan County Washington | 2 | $ 428,000 | $ 214,000 | $ 21,000 |
| Skagit County Washington | 2 | $ 181,000 | $ 90,000 | $ 20,000 |
| Pima County Arizona | 1 | $ 214,000 | $ 214,000 | $ 146,000 |
| White County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Calaveras County California | 1 | $ 173,000 | $ 173,000 | $ 67,000 |
| Imperial County California | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Lake County California | 1 | $ 165,000 | $ 165,000 | $ 6,000 |
| San Benito County California | 1 | $ 213,000 | $ 213,000 | $ 54,000 |
| Sutter County California | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Yolo County California | 1 | $ 264,000 | $ 264,000 | $ 61,000 |
| Adams County Colorado | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| Arapahoe County Colorado | 1 | $ 323,000 | $ 323,000 | $ 90,000 |
| Boulder County Colorado | 1 | $ 192,000 | $ 192,000 | $ 29,000 |
| El Paso County Colorado | 1 | $ 127,000 | $ 127,000 | $ 110,000 |
| Larimer County Colorado | 1 | $ 170,000 | $ 170,000 | $ 104,000 |
| Pitkin County Colorado | 1 | $ 191,000 | $ 191,000 | $ 101,000 |
| Weld County Colorado | 1 | $ 146,000 | $ 146,000 | $ 117,000 |
| Fairfield County Connecticut | 1 | $ 546,000 | $ 546,000 | $ 222,000 |
| New Castle County Delaware | 1 | $ 226,000 | $ 226,000 | $ 110,000 |
| Hillsborough County Florida | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Monroe County Florida | 1 | $ 148,000 | $ 148,000 | $ 35,000 |
| Orange County Florida | 1 | $ 74,000 | $ 74,000 | $ 79,000 |
| Seminole County Florida | 1 | $ 161,000 | $ 161,000 | $ 116,000 |
| St. Johns County Florida | 1 | $ 161,000 | $ 161,000 | $ 56,000 |
| Volusia County Florida | 1 | $ 159,000 | $ 159,000 | $ 25,000 |
| Kauai County Hawaii | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Garrett County Maryland | 1 | $ 398,000 | $ 398,000 | $ 420,000 |
| Middlesex County Massachusetts | 1 | $ 212,000 | $ 212,000 | $ 115,000 |
| Plymouth County Massachusetts | 1 | $ 244,000 | $ 244,000 | $ 91,000 |
| Carson City County Nevada | 1 | $ 252,000 | $ 252,000 | $ 88,000 |
| Passaic County New Jersey | 1 | $ 243,000 | $ 243,000 | $ 100,000 |
| Dona Ana County New Mexico | 1 | $ 142,000 | $ 142,000 | $ 174,000 |
| Luna County New Mexico | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| San Juan County New Mexico | 1 | $ 71,000 | $ 71,000 | $ 56,000 |
| Beaufort County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 23,000 |
| Adams County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 105,000 |
| Pike County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Brown County Texas | 1 | $ 92,000 | $ 92,000 | $ 77,000 |
| Cameron County Texas | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Collin County Texas | 1 | $ 310,000 | $ 310,000 | $ 120,000 |
| Dallas County Texas | 1 | $ 31,000 | $ 31,000 | $ 171,000 |
| Fort Bend County Texas | 1 | $ 203,000 | $ 203,000 | $ 76,000 |
| Fairfax City County Virginia | 1 | $ 166,000 | $ 166,000 | $ 40,000 |
| Manassas County Virginia | 1 | $ 154,000 | $ 154,000 | $ 38,000 |
| Northumberland County Virginia | 1 | $ 96,000 | $ 96,000 | $ 86,000 |
| Orange County Virginia | 1 | $ 323,000 | $ 323,000 | $ 83,000 |
| Stafford County Virginia | 1 | $ 229,000 | $ 229,000 | $ 169,000 |
| Winchester County Virginia | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| Clallam County Washington | 1 | $ 99,000 | $ 99,000 | $ 49,000 |
| Clark County Washington | 1 | $ 264,000 | $ 264,000 | $ 95,000 |
| Kitsap County Washington | 1 | $ 160,000 | $ 160,000 | $ 140,000 |
| Mason County Washington | 1 | $ 122,000 | $ 122,000 | $ 64,000 |
| Spokane County Washington | 1 | $ 102,000 | $ 102,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, Llc in 2003
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 (home purchase or home improvement, one-to-four family) | 5,180 | $1,019,887,000 | $175,473 | $2,000,000 | $81,684 | $7,298,000 |
| Home Purchase (one-to-four family) | 2,555 | $488,978,000 | $169,214 | $1,500,000 | $108,785 | $3,842,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 3,230 | $645,272,000 | $171,900 | $2,000,000 | $83,300 | $7,298,000 |
| Hispanic | 2,198 | $372,294,000 | $178,714 | $680,000 | $313,142 | $3,842,000 |
| Information not provided by applicant in mail or telephone application | 1,002 | $214,668,000 | $195,769 | $1,950,000 | $95,153 | $2,220,000 |
| Asian or Pacific Islander | 852 | $194,825,000 | $186,800 | $1,500,000 | $56,000 | $1,209,000 |
| Black | 342 | $58,704,000 | $174,000 | $483,000 | $85,833 | $268,000 |
| Other | 75 | $14,640,000 | $125,666 | $750,000 | $102,333 | $552,000 |
| American Indian or Alaskan Native | 36 | $8,462,000 | $171,500 | $795,000 | $66,250 | $300,000 |
| Not applicable | 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) | 6,328 | $1,269,537,000 | $178,571 | $2,000,000 | $91,047 | $7,298,000 |
| FHA-insured (Federal Housing Administration) | 1,309 | $222,701,000 | $154,800 | $417,000 | $47,200 | $3,782,000 |
| VA-guaranteed (Veterans Administration) | 98 | $16,627,000 | $151,333 | $276,000 | $31,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 5,601 | $1,084,439,000 | $186,388 | $2,000,000 | $84,833 | $7,298,000 |
| Application Approved But Not Accepted | 950 | $203,557,000 | $154,666 | $1,500,000 | $85,333 | $3,782,000 |
| Application Denied By Financial Institution | 617 | $112,941,000 | $152,000 | $1,950,000 | $69,250 | $2,220,000 |
| Application Withdrawn By Applicant | 300 | $53,935,000 | $147,500 | $942,000 | $81,071 | $1,200,000 |
| File Closed For Incompleteness | 267 | $53,993,000 | $170,500 | $1,000,000 | $74,500 | $2,400,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 189 | $33,905,000 | $120,333 | $598,000 | $74,333 | $624,000 |
| Other | 109 | $19,112,000 | $169,666 | $484,000 | $64,666 | $708,000 |
| Debt-To-Income Ratio | 97 | $19,766,000 | $249,000 | $795,000 | $80,500 | $232,000 |
| Collateral | 40 | $7,343,000 | $161,000 | $400,000 | $66,500 | $288,000 |
| Employment History | 10 | $1,967,000 | $196,000 | $680,000 | $46,000 | $162,000 |
| Unverifiable Information | 7 | $969,000 | $144,500 | $218,000 | $41,500 | $69,000 |
| Credit Application Incomplete | 2 | $250,000 | $125,000 | $203,000 | $62,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $164,000 | $164,000 | $164,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, Llc's 2003 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 Stearns Lending, 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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with aggregated HMDA statistics today.