Stearns Lending, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Stearns Lending, Llc 2004 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 | 7,747 |
| Total Mortgage Loan Application Amount | $1,732,665,000 |
| Average Mortgage Loan Application Amount | $222,782 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $79,173 |
| Highest Applicant Income | $2,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 1,497 | $ 428,100,000 | $ 285,000 | $ 96,000 |
| Los Angeles County California | 1,492 | $ 357,571,000 | $ 239,000 | $ 77,000 |
| Riverside County California | 837 | $ 172,564,000 | $ 206,000 | $ 79,000 |
| San Bernardino County California | 759 | $ 136,904,000 | $ 180,000 | $ 68,000 |
| Fresno County California | 419 | $ 64,095,000 | $ 152,000 | $ 64,000 |
| Maricopa County Arizona | 319 | $ 41,394,000 | $ 129,000 | $ 77,000 |
| Anne Arundel County Maryland | 299 | $ 64,899,000 | $ 217,000 | $ 73,000 |
| San Diego County California | 181 | $ 55,024,000 | $ 304,000 | $ 97,000 |
| Madera County California | 175 | $ 32,344,000 | $ 184,000 | $ 64,000 |
| Contra Costa County California | 128 | $ 32,540,000 | $ 254,000 | $ 116,000 |
| Prince George's County Maryland | 98 | $ 17,674,000 | $ 180,000 | $ 65,000 |
| Hawaii County Hawaii | 95 | $ 27,142,000 | $ 285,000 | $ 151,000 |
| Kern County California | 89 | $ 12,625,000 | $ 141,000 | $ 63,000 |
| San Joaquin County California | 61 | $ 12,447,000 | $ 204,000 | $ 78,000 |
| Santa Clara County California | 60 | $ 16,272,000 | $ 271,000 | $ 126,000 |
| Ventura County California | 54 | $ 16,314,000 | $ 302,000 | $ 217,000 |
| Tulare County California | 52 | $ 6,287,000 | $ 120,000 | $ 44,000 |
| Stanislaus County California | 49 | $ 9,457,000 | $ 193,000 | $ 92,000 |
| Baltimore County Maryland | 48 | $ 7,468,000 | $ 155,000 | $ 61,000 |
| Sacramento County California | 46 | $ 9,554,000 | $ 207,000 | $ 129,000 |
| Howard County Maryland | 37 | $ 8,289,000 | $ 224,000 | $ 88,000 |
| Alameda County California | 35 | $ 10,168,000 | $ 290,000 | $ 95,000 |
| Montgomery County Maryland | 32 | $ 7,214,000 | $ 225,000 | $ 140,000 |
| Mariposa County California | 31 | $ 7,048,000 | $ 227,000 | $ 80,000 |
| Placer County California | 29 | $ 7,944,000 | $ 273,000 | $ 162,000 |
| Honolulu County Hawaii | 25 | $ 6,854,000 | $ 274,000 | $ 102,000 |
| Pinal County Arizona | 22 | $ 2,125,000 | $ 96,000 | $ 48,000 |
| San Luis Obispo County California | 22 | $ 4,950,000 | $ 225,000 | $ 93,000 |
| Baltimore City County Maryland | 21 | $ 2,598,000 | $ 123,000 | $ 51,000 |
| Clark County Nevada | 20 | $ 4,421,000 | $ 221,000 | $ 125,000 |
| Fairfax County Virginia | 19 | $ 3,393,000 | $ 178,000 | $ 89,000 |
| Bernalillo County New Mexico | 18 | $ 1,606,000 | $ 89,000 | $ 96,000 |
| Merced County California | 17 | $ 2,569,000 | $ 151,000 | $ 72,000 |
| El Dorado County California | 16 | $ 4,582,000 | $ 286,000 | $ 125,000 |
| San Mateo County California | 15 | $ 7,446,000 | $ 496,000 | $ 118,000 |
| Solano County California | 15 | $ 4,295,000 | $ 286,000 | $ 113,000 |
| District of Columbia County District Of Columbia | 13 | $ 2,148,000 | $ 165,000 | $ 76,000 |
| Prince William County Virginia | 13 | $ 2,941,000 | $ 226,000 | $ 88,000 |
| Broward County Florida | 12 | $ 3,816,000 | $ 318,000 | $ 117,000 |
| Humboldt County California | 11 | $ 1,558,000 | $ 141,000 | $ 118,000 |
| Santa Barbara County California | 11 | $ 2,416,000 | $ 219,000 | $ 159,000 |
| Sonoma County California | 11 | $ 2,647,000 | $ 240,000 | $ 97,000 |
| Calvert County Maryland | 11 | $ 2,842,000 | $ 258,000 | $ 113,000 |
| Harford County Maryland | 11 | $ 1,506,000 | $ 136,000 | $ 65,000 |
| Mohave County Arizona | 10 | $ 1,490,000 | $ 149,000 | $ 112,000 |
| Yavapai County Arizona | 9 | $ 1,595,000 | $ 177,000 | $ 91,000 |
| Kings County California | 9 | $ 1,017,000 | $ 113,000 | $ 39,000 |
| Monterey County California | 9 | $ 4,274,000 | $ 474,000 | $ 26,000 |
| Carroll County Maryland | 9 | $ 2,087,000 | $ 231,000 | $ 83,000 |
| King County Washington | 9 | $ 1,557,000 | $ 173,000 | $ 76,000 |
| Pima County Arizona | 8 | $ 1,561,000 | $ 195,000 | $ 89,000 |
| Yuba County California | 7 | $ 932,000 | $ 133,000 | $ 48,000 |
| Pinellas County Florida | 7 | $ 1,256,000 | $ 179,000 | $ 51,000 |
| Charles County Maryland | 7 | $ 1,344,000 | $ 192,000 | $ 67,000 |
| El Paso County Texas | 7 | $ 842,000 | $ 120,000 | $ 95,000 |
| Snohomish County Washington | 7 | $ 1,330,000 | $ 190,000 | $ 84,000 |
| Imperial County California | 6 | $ 1,003,000 | $ 167,000 | $ 72,000 |
| San Benito County California | 6 | $ 1,622,000 | $ 270,000 | $ 78,000 |
| San Francisco County California | 6 | $ 1,810,000 | $ 301,000 | $ 172,000 |
| Yolo County California | 6 | $ 1,525,000 | $ 254,000 | $ 104,000 |
| Collier County Florida | 6 | $ 1,165,000 | $ 194,000 | $ 186,000 |
| Palm Beach County Florida | 6 | $ 1,022,000 | $ 170,000 | $ 76,000 |
| Seminole County Florida | 6 | $ 865,000 | $ 144,000 | $ 96,000 |
| Caroline County Maryland | 6 | $ 1,252,000 | $ 208,000 | $ 61,000 |
| Frederick County Maryland | 6 | $ 1,556,000 | $ 259,000 | $ 129,000 |
| Queen Anne's County Maryland | 6 | $ 1,553,000 | $ 258,000 | $ 73,000 |
| Norfolk County Massachusetts | 6 | $ 1,427,000 | $ 237,000 | $ 95,000 |
| Santa Fe County New Mexico | 6 | $ 1,670,000 | $ 278,000 | $ 107,000 |
| Butte County California | 5 | $ 1,013,000 | $ 202,000 | $ 105,000 |
| Lake County California | 5 | $ 857,000 | $ 171,000 | $ 80,000 |
| Santa Cruz County California | 5 | $ 2,712,000 | $ 542,000 | $ 214,000 |
| Sarasota County Florida | 5 | $ 719,000 | $ 143,000 | $ 66,000 |
| Barnstable County Massachusetts | 5 | $ 1,633,000 | $ 326,000 | $ 109,000 |
| Plymouth County Massachusetts | 5 | $ 1,156,000 | $ 231,000 | $ 84,000 |
| Worcester County Massachusetts | 5 | $ 436,000 | $ 87,000 | $ 74,000 |
| Kitsap County Washington | 5 | $ 492,000 | $ 98,000 | $ 64,000 |
| Marin County California | 4 | $ 1,396,000 | $ 349,000 | $ 206,000 |
| Tuolumne County California | 4 | $ 715,000 | $ 178,000 | $ 85,000 |
| Arapahoe County Colorado | 4 | $ 734,000 | $ 183,000 | $ 99,000 |
| Hillsborough County Florida | 4 | $ 389,000 | $ 97,000 | $ 225,000 |
| Lake County Florida | 4 | $ 585,000 | $ 146,000 | $ 145,000 |
| Orange County Florida | 4 | $ 873,000 | $ 218,000 | $ 116,000 |
| Kauai County Hawaii | 4 | $ 3,156,000 | $ 789,000 | $ 220,000 |
| Ada County Idaho | 4 | $ 251,000 | $ 62,000 | $ 51,000 |
| St. Mary's County Maryland | 4 | $ 651,000 | $ 162,000 | $ 85,000 |
| Hampden County Massachusetts | 4 | $ 359,000 | $ 89,000 | $ 53,000 |
| Dona Ana County New Mexico | 4 | $ 363,000 | $ 90,000 | $ 50,000 |
| Washington County Utah | 4 | $ 374,000 | $ 93,000 | $ 63,000 |
| Chesterfield County Virginia | 4 | $ 349,000 | $ 87,000 | $ 64,000 |
| Henrico County Virginia | 4 | $ 603,000 | $ 150,000 | $ 75,000 |
| Navajo County Arizona | 3 | $ 390,000 | $ 130,000 | $ 73,000 |
| Yuma County Arizona | 3 | $ 293,000 | $ 97,000 | $ 82,000 |
| Douglas County Colorado | 3 | $ 1,022,000 | $ 340,000 | $ 196,000 |
| Sussex County Delaware | 3 | $ 3,368,000 | $ 1,122,000 | $ 228,000 |
| Bay County Florida | 3 | $ 233,000 | $ 77,000 | $ 92,000 |
| Brevard County Florida | 3 | $ 879,000 | $ 293,000 | $ 119,000 |
| Lee County Florida | 3 | $ 398,000 | $ 132,000 | $ 75,000 |
| Pasco County Florida | 3 | $ 391,000 | $ 130,000 | $ 61,000 |
| St. Lucie County Florida | 3 | $ 387,000 | $ 129,000 | $ 63,000 |
| Maui County Hawaii | 3 | $ 727,000 | $ 242,000 | $ 164,000 |
| Cecil County Maryland | 3 | $ 593,000 | $ 197,000 | $ 64,000 |
| Talbot County Maryland | 3 | $ 2,490,000 | $ 830,000 | $ 216,000 |
| Essex County Massachusetts | 3 | $ 952,000 | $ 317,000 | $ 160,000 |
| Middlesex County Massachusetts | 3 | $ 1,082,000 | $ 360,000 | $ 80,000 |
| Lane County Oregon | 3 | $ 734,000 | $ 244,000 | $ 66,000 |
| Salt Lake County Utah | 3 | $ 438,000 | $ 146,000 | $ 51,000 |
| Alexandria County Virginia | 3 | $ 931,000 | $ 310,000 | $ 83,000 |
| Gloucester County Virginia | 3 | $ 513,000 | $ 171,000 | $ 97,000 |
| Loudoun County Virginia | 3 | $ 717,000 | $ 239,000 | $ 67,000 |
| Roanoke County Virginia | 3 | $ 294,000 | $ 98,000 | $ 56,000 |
| Virginia Beach County Virginia | 3 | $ 445,000 | $ 148,000 | $ 76,000 |
| Thurston County Washington | 3 | $ 338,000 | $ 112,000 | $ 61,000 |
| Gila County Arizona | 2 | $ 128,000 | $ 64,000 | $ 43,000 |
| Napa County California | 2 | $ 435,000 | $ 217,000 | $ 140,000 |
| Shasta County California | 2 | $ 336,000 | $ 168,000 | $ 27,000 |
| Sutter County California | 2 | $ 684,000 | $ 342,000 | $ 93,000 |
| Boulder County Colorado | 2 | $ 737,000 | $ 368,000 | $ 92,000 |
| El Paso County Colorado | 2 | $ 189,000 | $ 94,000 | $ 65,000 |
| Mesa County Colorado | 2 | $ 386,000 | $ 193,000 | $ 142,000 |
| Ouray County Colorado | 2 | $ 243,000 | $ 121,000 | $ 156,000 |
| Pueblo County Colorado | 2 | $ 387,000 | $ 193,000 | $ 106,000 |
| Teller County Colorado | 2 | $ 233,000 | $ 116,000 | $ 47,000 |
| Duval County Florida | 2 | $ 226,000 | $ 113,000 | $ 70,000 |
| Hernando County Florida | 2 | $ 313,000 | $ 156,000 | $ 59,000 |
| Leon County Florida | 2 | $ 277,000 | $ 138,000 | $ 83,000 |
| Miami-Dade County Florida | 2 | $ 251,000 | $ 125,000 | $ 57,000 |
| St. Johns County Florida | 2 | $ 708,000 | $ 354,000 | $ 118,000 |
| Volusia County Florida | 2 | $ 355,000 | $ 177,000 | $ 147,000 |
| Canyon County Idaho | 2 | $ 246,000 | $ 123,000 | $ 55,000 |
| Jefferson County Idaho | 2 | $ 97,000 | $ 48,000 | $ 109,000 |
| Polk County Iowa | 2 | $ 145,000 | $ 72,000 | $ 74,000 |
| Wicomico County Maryland | 2 | $ 428,000 | $ 214,000 | $ 62,000 |
| Worcester County Maryland | 2 | $ 462,000 | $ 231,000 | $ 97,000 |
| Berkshire County Massachusetts | 2 | $ 128,000 | $ 64,000 | $ 123,000 |
| Suffolk County Massachusetts | 2 | $ 490,000 | $ 245,000 | $ 35,000 |
| Taos County New Mexico | 2 | $ 335,000 | $ 167,000 | $ 45,000 |
| Valencia County New Mexico | 2 | $ 259,000 | $ 129,000 | $ 121,000 |
| Franklin County Ohio | 2 | $ 375,000 | $ 187,000 | $ 98,000 |
| Columbia County Oregon | 2 | $ 235,000 | $ 117,000 | $ 96,000 |
| Lincoln County Oregon | 2 | $ 457,000 | $ 228,000 | $ 129,000 |
| Multnomah County Oregon | 2 | $ 415,000 | $ 207,000 | $ 25,000 |
| Washington County Oregon | 2 | $ 342,000 | $ 171,000 | $ 51,000 |
| Dallas County Texas | 2 | $ 309,000 | $ 154,000 | $ 66,000 |
| Harris County Texas | 2 | $ 210,000 | $ 105,000 | $ 104,000 |
| Tarrant County Texas | 2 | $ 186,000 | $ 93,000 | $ 95,000 |
| Travis County Texas | 2 | $ 290,000 | $ 145,000 | $ 78,000 |
| Utah County Utah | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Albemarle County Virginia | 2 | $ 847,000 | $ 423,000 | $ 134,000 |
| Amherst County Virginia | 2 | $ 325,000 | $ 162,000 | $ 76,000 |
| Bedford County Virginia | 2 | $ 482,000 | $ 241,000 | $ 71,000 |
| Manassas Park County Virginia | 2 | $ 237,000 | $ 118,000 | $ 82,000 |
| Montgomery County Virginia | 2 | $ 113,000 | $ 56,000 | $ 60,000 |
| Richmond City County Virginia | 2 | $ 185,000 | $ 92,000 | $ 73,000 |
| Spotsylvania County Virginia | 2 | $ 734,000 | $ 367,000 | $ 98,000 |
| Stafford County Virginia | 2 | $ 511,000 | $ 255,000 | $ 99,000 |
| York County Virginia | 2 | $ 342,000 | $ 171,000 | $ 162,000 |
| Jefferson County Washington | 2 | $ 125,000 | $ 62,000 | $ 30,000 |
| Mason County Washington | 2 | $ 293,000 | $ 146,000 | $ 71,000 |
| Pierce County Washington | 2 | $ 222,000 | $ 111,000 | $ 26,000 |
| Spokane County Washington | 2 | $ 149,000 | $ 74,000 | $ 96,000 |
| La Paz County Arizona | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Santa Cruz County Arizona | 1 | $ 101,000 | $ 101,000 | $ 20,000 |
| Lassen County California | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mendocino County California | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Mono County California | 1 | $ 1,000,000 | $ 1,000,000 | $ 492,000 |
| Nevada County California | 1 | $ 125,000 | $ 125,000 | $ 23,000 |
| Jefferson County Colorado | 1 | $ 298,000 | $ 298,000 | $ 160,000 |
| Larimer County Colorado | 1 | $ 220,000 | $ 220,000 | $ 86,000 |
| Lincoln County Colorado | 1 | $ 127,000 | $ 127,000 | $ 18,000 |
| Weld County Colorado | 1 | $ 280,000 | $ 280,000 | $ 120,000 |
| New London County Connecticut | 1 | $ 19,000 | $ 19,000 | $ 48,000 |
| New Castle County Delaware | 1 | $ 204,000 | $ 204,000 | $ 99,000 |
| Alachua County Florida | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Dixie County Florida | 1 | $ 104,000 | $ 104,000 | $ 30,000 |
| Escambia County Florida | 1 | $ 100,000 | $ 100,000 | $ 296,000 |
| Flagler County Florida | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Levy County Florida | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Martin County Florida | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Okaloosa County Florida | 1 | $ 328,000 | $ 328,000 | $ 136,000 |
| Polk County Florida | 1 | $ 132,000 | $ 132,000 | $ 63,000 |
| Sumter County Florida | 1 | $ 160,000 | $ 160,000 | $ 74,000 |
| Idaho County Idaho | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Kootenai County Idaho | 1 | $ 648,000 | $ 648,000 | $ 180,000 |
| Twin Falls County Idaho | 1 | $ 126,000 | $ 126,000 | $ 24,000 |
| Mills County Iowa | 1 | $ 156,000 | $ 156,000 | $ 62,000 |
| Lincoln County Maine | 1 | $ 200,000 | $ 200,000 | $ 0 |
| York County Maine | 1 | $ 284,000 | $ 284,000 | $ 45,000 |
| Dorchester County Maryland | 1 | $ 184,000 | $ 184,000 | $ 66,000 |
| Washington County Maryland | 1 | $ 42,000 | $ 42,000 | $ 91,000 |
| Bristol County Massachusetts | 1 | $ 216,000 | $ 216,000 | $ 70,000 |
| Carlton County Minnesota | 1 | $ 106,000 | $ 106,000 | $ 21,000 |
| Dakota County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Hennepin County Minnesota | 1 | $ 250,000 | $ 250,000 | $ 115,000 |
| Isanti County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 103,000 |
| Olmsted County Minnesota | 1 | $ 30,000 | $ 30,000 | $ 57,000 |
| Ramsey County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
| Stearns County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Greene County Missouri | 1 | $ 42,000 | $ 42,000 | $ 41,000 |
| Lyon County Nevada | 1 | $ 45,000 | $ 45,000 | $ 82,000 |
| Washoe County Nevada | 1 | $ 130,000 | $ 130,000 | $ 23,000 |
| Cibola County New Mexico | 1 | $ 81,000 | $ 81,000 | $ 60,000 |
| Colfax County New Mexico | 1 | $ 227,000 | $ 227,000 | $ 80,000 |
| Otero County New Mexico | 1 | $ 88,000 | $ 88,000 | $ 70,000 |
| Sandoval County New Mexico | 1 | $ 286,000 | $ 286,000 | $ 64,000 |
| Alamance County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 163,000 |
| Durham County North Carolina | 1 | $ 182,000 | $ 182,000 | $ 23,000 |
| Stark County Ohio | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Pottawatomie County Oklahoma | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 134,000 | $ 134,000 | $ 184,000 |
| Wasco County Oregon | 1 | $ 85,000 | $ 85,000 | $ 17,000 |
| Yamhill County Oregon | 1 | $ 153,000 | $ 153,000 | $ 48,000 |
| Adams County Pennsylvania | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Collin County Texas | 1 | $ 179,000 | $ 179,000 | $ 78,000 |
| Galveston County Texas | 1 | $ 214,000 | $ 214,000 | $ 240,000 |
| Liberty County Texas | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Tooele County Utah | 1 | $ 260,000 | $ 260,000 | $ 143,000 |
| Chesapeake County Virginia | 1 | $ 254,000 | $ 254,000 | $ 73,000 |
| Culpeper County Virginia | 1 | $ 302,000 | $ 302,000 | $ 111,000 |
| Fauquier County Virginia | 1 | $ 188,000 | $ 188,000 | $ 80,000 |
| Frederick County Virginia | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Hampton County Virginia | 1 | $ 208,000 | $ 208,000 | $ 89,000 |
| Louisa County Virginia | 1 | $ 119,000 | $ 119,000 | $ 30,000 |
| Manassas County Virginia | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| New Kent County Virginia | 1 | $ 207,000 | $ 207,000 | $ 324,000 |
| Warren County Virginia | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Island County Washington | 1 | $ 107,000 | $ 107,000 | $ 233,000 |
| Skagit County Washington | 1 | $ 178,000 | $ 178,000 | $ 107,000 |
| Whitman County Washington | 1 | $ 104,000 | $ 104,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, Llc in 2004
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 | 4,308 | $983,609,000 | $274,956 | $4,000,000 | $71,565 | $2,400,000 |
| Home Purchase | 3,439 | $749,056,000 | $170,608 | $1,574,000 | $86,782 | $1,920,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 3,575 | $815,693,000 | $220,956 | $2,555,000 | $80,434 | $2,400,000 |
| Hispanic | 2,117 | $427,068,000 | $171,411 | $1,500,000 | $86,882 | $1,600,000 |
| Not Provided | 860 | $193,826,000 | $193,421 | $4,000,000 | $88,578 | $1,432,000 |
| Asian | 774 | $206,243,000 | $175,307 | $1,904,000 | $70,615 | $624,000 |
| Black or African American | 352 | $73,602,000 | $218,076 | $772,000 | $129,846 | $1,067,000 |
| Native Hawaiian or Other Pacific Islander | 55 | $13,330,000 | $237,333 | $650,000 | $96,000 | $412,000 |
| American Indian or Alaskan Native | 12 | $2,748,000 | $179,000 | $505,000 | $108,000 | $369,000 |
| Not applicable | 2 | $155,000 | $77,000 | $93,000 | $36,000 | $52,000 |
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) | 7,201 | $1,641,296,000 | $187,185 | $4,000,000 | $77,222 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 490 | $80,887,000 | $151,142 | $440,000 | $48,142 | $813,000 |
| VA-guaranteed (Veterans Administration) | 54 | $10,306,000 | $185,400 | $280,000 | $59,200 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $176,000 | $88,000 | $97,000 | $41,000 | $42,000 |
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 | 4,803 | $1,089,935,000 | $169,120 | $1,500,000 | $84,960 | $1,140,000 |
| Application Approved But Not Accepted | 1,565 | $368,118,000 | $330,777 | $4,000,000 | $81,444 | $1,600,000 |
| Application Denied By Financial Institution | 575 | $115,749,000 | $160,312 | $1,625,000 | $87,562 | $2,400,000 |
| Application Withdrawn By Applicant | 438 | $79,731,000 | $162,294 | $875,000 | $76,823 | $1,020,000 |
| File Closed For Incompleteness | 364 | $78,726,000 | $168,300 | $1,000,000 | $85,400 | $624,000 |
| Loan Purchased By The Institution | 2 | $406,000 | $203,000 | $212,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 203 | $39,516,000 | $188,818 | $650,000 | $89,727 | $988,000 |
| Other | 103 | $21,442,000 | $160,142 | $725,000 | $95,285 | $2,400,000 |
| Debt-To-Income Ratio | 61 | $11,663,000 | $143,125 | $640,000 | $58,375 | $706,000 |
| Collateral | 59 | $10,922,000 | $157,428 | $880,000 | $94,428 | $451,000 |
| Employment History | 21 | $4,065,000 | $174,000 | $488,000 | $87,500 | $291,000 |
| Unverifiable Information | 12 | $2,287,000 | $139,500 | $478,000 | $43,500 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $989,000 | $247,000 | $464,000 | $111,000 | $156,000 |
| Credit Application Incomplete | 1 | $26,000 | $26,000 | $26,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, Llc's 2004 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.