Stearns Lending, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Stearns Lending, Llc 2005 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 | 13,228 |
| Total Mortgage Loan Application Amount | $3,195,075,000 |
| Average Mortgage Loan Application Amount | $193,057 |
| Highest Mortgage Loan Application Amount | $3,375,000 |
| Average Applicant Income | $102,711 |
| Highest Applicant Income | $8,044,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 2,453 | $ 661,939,000 | $ 269,000 | $ 147,000 |
| Orange County California | 1,787 | $ 572,470,000 | $ 320,000 | $ 139,000 |
| Riverside County California | 1,258 | $ 294,051,000 | $ 233,000 | $ 113,000 |
| San Bernardino County California | 1,055 | $ 235,178,000 | $ 222,000 | $ 104,000 |
| Clark County Nevada | 928 | $ 174,214,000 | $ 187,000 | $ 104,000 |
| Maricopa County Arizona | 492 | $ 78,242,000 | $ 159,000 | $ 100,000 |
| San Diego County California | 421 | $ 125,860,000 | $ 298,000 | $ 131,000 |
| Fresno County California | 387 | $ 72,765,000 | $ 188,000 | $ 137,000 |
| Anne Arundel County Maryland | 285 | $ 67,234,000 | $ 235,000 | $ 85,000 |
| Contra Costa County California | 211 | $ 66,117,000 | $ 313,000 | $ 118,000 |
| Kern County California | 198 | $ 30,593,000 | $ 154,000 | $ 77,000 |
| San Joaquin County California | 194 | $ 48,050,000 | $ 247,000 | $ 93,000 |
| Stanislaus County California | 167 | $ 36,451,000 | $ 218,000 | $ 87,000 |
| Alameda County California | 154 | $ 54,977,000 | $ 356,000 | $ 170,000 |
| Santa Clara County California | 135 | $ 48,932,000 | $ 362,000 | $ 148,000 |
| Sacramento County California | 125 | $ 28,245,000 | $ 225,000 | $ 142,000 |
| Prince George's County Maryland | 125 | $ 22,476,000 | $ 179,000 | $ 90,000 |
| Madera County California | 94 | $ 19,111,000 | $ 203,000 | $ 60,000 |
| Solano County California | 79 | $ 18,939,000 | $ 239,000 | $ 115,000 |
| Hawaii County Hawaii | 76 | $ 26,697,000 | $ 351,000 | $ 410,000 |
| Ventura County California | 75 | $ 24,848,000 | $ 331,000 | $ 162,000 |
| Placer County California | 68 | $ 23,304,000 | $ 342,000 | $ 147,000 |
| Merced County California | 66 | $ 12,889,000 | $ 195,000 | $ 65,000 |
| Miami-Dade County Florida | 66 | $ 12,515,000 | $ 189,000 | $ 155,000 |
| Baltimore County Maryland | 64 | $ 9,083,000 | $ 141,000 | $ 71,000 |
| Tulare County California | 61 | $ 8,326,000 | $ 136,000 | $ 75,000 |
| Mohave County Arizona | 60 | $ 6,491,000 | $ 108,000 | $ 146,000 |
| Pinal County Arizona | 54 | $ 6,290,000 | $ 116,000 | $ 80,000 |
| Pima County Arizona | 51 | $ 7,103,000 | $ 139,000 | $ 67,000 |
| Howard County Maryland | 49 | $ 9,264,000 | $ 189,000 | $ 101,000 |
| Broward County Florida | 45 | $ 7,170,000 | $ 159,000 | $ 78,000 |
| Baltimore City County Maryland | 42 | $ 4,036,000 | $ 96,000 | $ 60,000 |
| Washoe County Nevada | 40 | $ 8,169,000 | $ 204,000 | $ 107,000 |
| Shasta County California | 39 | $ 6,516,000 | $ 167,000 | $ 62,000 |
| Palm Beach County Florida | 35 | $ 8,591,000 | $ 245,000 | $ 130,000 |
| Honolulu County Hawaii | 35 | $ 11,145,000 | $ 318,000 | $ 110,000 |
| Montgomery County Maryland | 32 | $ 8,366,000 | $ 261,000 | $ 104,000 |
| King County Washington | 31 | $ 7,974,000 | $ 257,000 | $ 107,000 |
| Monterey County California | 27 | $ 10,587,000 | $ 392,000 | $ 80,000 |
| Brevard County Florida | 27 | $ 3,097,000 | $ 114,000 | $ 273,000 |
| Hillsborough County Florida | 27 | $ 2,578,000 | $ 95,000 | $ 77,000 |
| Butte County California | 26 | $ 4,568,000 | $ 175,000 | $ 65,000 |
| Maui County Hawaii | 26 | $ 7,523,000 | $ 289,000 | $ 143,000 |
| Fairfax County Virginia | 26 | $ 8,481,000 | $ 326,000 | $ 119,000 |
| Yuba County California | 25 | $ 4,430,000 | $ 177,000 | $ 60,000 |
| El Dorado County California | 24 | $ 6,718,000 | $ 279,000 | $ 159,000 |
| Imperial County California | 24 | $ 3,488,000 | $ 145,000 | $ 83,000 |
| Orange County Florida | 24 | $ 2,943,000 | $ 122,000 | $ 92,000 |
| Harford County Maryland | 22 | $ 3,491,000 | $ 158,000 | $ 72,000 |
| San Francisco County California | 21 | $ 9,023,000 | $ 429,000 | $ 284,000 |
| San Mateo County California | 21 | $ 8,891,000 | $ 423,000 | $ 104,000 |
| Pinellas County Florida | 21 | $ 3,443,000 | $ 163,000 | $ 121,000 |
| Jackson County Oregon | 21 | $ 4,058,000 | $ 193,000 | $ 66,000 |
| Duval County Florida | 20 | $ 2,820,000 | $ 141,000 | $ 97,000 |
| Kings County California | 19 | $ 3,621,000 | $ 190,000 | $ 69,000 |
| Marin County California | 19 | $ 7,100,000 | $ 373,000 | $ 175,000 |
| San Luis Obispo County California | 18 | $ 5,525,000 | $ 306,000 | $ 159,000 |
| Yolo County California | 18 | $ 4,072,000 | $ 226,000 | $ 74,000 |
| Lee County Florida | 18 | $ 2,930,000 | $ 162,000 | $ 81,000 |
| Mariposa County California | 17 | $ 4,030,000 | $ 237,000 | $ 72,000 |
| Sonoma County California | 17 | $ 4,905,000 | $ 288,000 | $ 157,000 |
| Sutter County California | 17 | $ 2,873,000 | $ 169,000 | $ 59,000 |
| Tehama County California | 17 | $ 2,204,000 | $ 129,000 | $ 70,000 |
| Volusia County Florida | 16 | $ 2,682,000 | $ 167,000 | $ 85,000 |
| Santa Barbara County California | 15 | $ 5,562,000 | $ 370,000 | $ 140,000 |
| Multnomah County Oregon | 15 | $ 1,888,000 | $ 125,000 | $ 95,000 |
| Pierce County Washington | 15 | $ 2,030,000 | $ 135,000 | $ 66,000 |
| Yavapai County Arizona | 14 | $ 3,513,000 | $ 250,000 | $ 96,000 |
| El Paso County Colorado | 14 | $ 2,963,000 | $ 211,000 | $ 103,000 |
| Barnstable County Massachusetts | 14 | $ 2,932,000 | $ 209,000 | $ 73,000 |
| Martin County Florida | 13 | $ 2,232,000 | $ 171,000 | $ 146,000 |
| Washington County Oregon | 13 | $ 1,702,000 | $ 130,000 | $ 76,000 |
| Prince William County Virginia | 13 | $ 3,184,000 | $ 244,000 | $ 133,000 |
| Fairfield County Connecticut | 12 | $ 2,980,000 | $ 248,000 | $ 41,000 |
| Salt Lake County Utah | 12 | $ 1,785,000 | $ 148,000 | $ 138,000 |
| Loudoun County Virginia | 12 | $ 4,524,000 | $ 377,000 | $ 143,000 |
| Humboldt County California | 11 | $ 2,269,000 | $ 206,000 | $ 76,000 |
| Bernalillo County New Mexico | 11 | $ 1,241,000 | $ 112,000 | $ 62,000 |
| Marion County Oregon | 11 | $ 1,511,000 | $ 137,000 | $ 85,000 |
| Snohomish County Washington | 11 | $ 1,768,000 | $ 160,000 | $ 75,000 |
| Spokane County Washington | 11 | $ 1,384,000 | $ 125,000 | $ 82,000 |
| Whatcom County Washington | 11 | $ 1,325,000 | $ 120,000 | $ 63,000 |
| Tuolumne County California | 10 | $ 2,809,000 | $ 280,000 | $ 119,000 |
| District of Columbia County District Of Columbia | 10 | $ 2,225,000 | $ 222,000 | $ 150,000 |
| Calvert County Maryland | 10 | $ 1,590,000 | $ 159,000 | $ 92,000 |
| Charles County Maryland | 10 | $ 1,894,000 | $ 189,000 | $ 107,000 |
| St. Mary's County Maryland | 10 | $ 2,019,000 | $ 201,000 | $ 106,000 |
| Washington County Maryland | 10 | $ 1,466,000 | $ 146,000 | $ 86,000 |
| Wayne County Michigan | 10 | $ 1,449,000 | $ 144,000 | $ 47,000 |
| Clatsop County Oregon | 10 | $ 1,441,000 | $ 144,000 | $ 137,000 |
| Chelan County Washington | 10 | $ 1,201,000 | $ 120,000 | $ 60,000 |
| Clark County Washington | 10 | $ 1,893,000 | $ 189,000 | $ 68,000 |
| Yuma County Arizona | 9 | $ 1,152,000 | $ 128,000 | $ 36,000 |
| Napa County California | 9 | $ 2,128,000 | $ 236,000 | $ 120,000 |
| Clay County Florida | 9 | $ 804,000 | $ 89,000 | $ 59,000 |
| Escambia County Florida | 9 | $ 1,708,000 | $ 189,000 | $ 136,000 |
| Marion County Florida | 9 | $ 897,000 | $ 99,000 | $ 61,000 |
| Polk County Florida | 9 | $ 1,069,000 | $ 118,000 | $ 80,000 |
| Queen Anne's County Maryland | 9 | $ 2,270,000 | $ 252,000 | $ 120,000 |
| Essex County Massachusetts | 9 | $ 2,317,000 | $ 257,000 | $ 124,000 |
| Collier County Florida | 8 | $ 1,627,000 | $ 203,000 | $ 69,000 |
| Lake County Florida | 8 | $ 935,000 | $ 116,000 | $ 58,000 |
| Okaloosa County Florida | 8 | $ 966,000 | $ 120,000 | $ 45,000 |
| Ada County Idaho | 8 | $ 880,000 | $ 110,000 | $ 134,000 |
| Middlesex County Massachusetts | 8 | $ 2,950,000 | $ 368,000 | $ 126,000 |
| Worcester County Massachusetts | 8 | $ 1,950,000 | $ 243,000 | $ 107,000 |
| Hennepin County Minnesota | 8 | $ 1,157,000 | $ 144,000 | $ 76,000 |
| Nye County Nevada | 8 | $ 924,000 | $ 115,000 | $ 63,000 |
| Stafford County Virginia | 8 | $ 2,436,000 | $ 304,000 | $ 135,000 |
| Santa Cruz County California | 7 | $ 2,827,000 | $ 403,000 | $ 98,000 |
| Douglas County Colorado | 7 | $ 1,773,000 | $ 253,000 | $ 125,000 |
| Jefferson County Colorado | 7 | $ 2,096,000 | $ 299,000 | $ 77,000 |
| Hernando County Florida | 7 | $ 587,000 | $ 83,000 | $ 69,000 |
| Carroll County Maryland | 7 | $ 1,205,000 | $ 172,000 | $ 106,000 |
| Lane County Oregon | 7 | $ 921,000 | $ 131,000 | $ 112,000 |
| Linn County Oregon | 7 | $ 498,000 | $ 71,000 | $ 65,000 |
| Virginia Beach County Virginia | 7 | $ 1,431,000 | $ 204,000 | $ 77,000 |
| Thurston County Washington | 7 | $ 845,000 | $ 120,000 | $ 71,000 |
| Cochise County Arizona | 6 | $ 358,000 | $ 59,000 | $ 144,000 |
| San Benito County California | 6 | $ 2,010,000 | $ 335,000 | $ 107,000 |
| Denver County Colorado | 6 | $ 1,764,000 | $ 294,000 | $ 138,000 |
| Sarasota County Florida | 6 | $ 1,479,000 | $ 246,000 | $ 198,000 |
| Seminole County Florida | 6 | $ 925,000 | $ 154,000 | $ 88,000 |
| St. Lucie County Florida | 6 | $ 1,001,000 | $ 166,000 | $ 34,000 |
| Walton County Florida | 6 | $ 1,347,000 | $ 224,000 | $ 94,000 |
| Olmsted County Minnesota | 6 | $ 536,000 | $ 89,000 | $ 98,000 |
| Clackamas County Oregon | 6 | $ 1,368,000 | $ 228,000 | $ 85,000 |
| Deschutes County Oregon | 6 | $ 1,167,000 | $ 194,000 | $ 91,000 |
| Utah County Utah | 6 | $ 1,126,000 | $ 187,000 | $ 125,000 |
| Henrico County Virginia | 6 | $ 1,048,000 | $ 174,000 | $ 43,000 |
| Douglas County Washington | 6 | $ 529,000 | $ 88,000 | $ 86,000 |
| Skagit County Washington | 6 | $ 895,000 | $ 149,000 | $ 45,000 |
| Gila County Arizona | 5 | $ 670,000 | $ 134,000 | $ 68,000 |
| Calaveras County California | 5 | $ 1,291,000 | $ 258,000 | $ 76,000 |
| Lake County California | 5 | $ 788,000 | $ 157,000 | $ 87,000 |
| Lassen County California | 5 | $ 549,000 | $ 109,000 | $ 52,000 |
| Nevada County California | 5 | $ 1,524,000 | $ 304,000 | $ 72,000 |
| Plumas County California | 5 | $ 1,127,000 | $ 225,000 | $ 77,000 |
| Arapahoe County Colorado | 5 | $ 1,629,000 | $ 325,000 | $ 152,000 |
| Flagler County Florida | 5 | $ 742,000 | $ 148,000 | $ 78,000 |
| Manatee County Florida | 5 | $ 687,000 | $ 137,000 | $ 89,000 |
| Frederick County Maryland | 5 | $ 1,201,000 | $ 240,000 | $ 82,000 |
| Cass County North Dakota | 5 | $ 318,000 | $ 63,000 | $ 62,000 |
| Dallas County Texas | 5 | $ 637,000 | $ 127,000 | $ 77,000 |
| Chesapeake County Virginia | 5 | $ 614,000 | $ 122,000 | $ 47,000 |
| Colusa County California | 4 | $ 582,000 | $ 145,000 | $ 41,000 |
| Mono County California | 4 | $ 1,990,000 | $ 497,000 | $ 276,000 |
| Boulder County Colorado | 4 | $ 420,000 | $ 105,000 | $ 57,000 |
| Fremont County Colorado | 4 | $ 1,040,000 | $ 260,000 | $ 129,000 |
| New Haven County Connecticut | 4 | $ 1,008,000 | $ 252,000 | $ 65,000 |
| Charlotte County Florida | 4 | $ 765,000 | $ 191,000 | $ 114,000 |
| Highlands County Florida | 4 | $ 235,000 | $ 58,000 | $ 59,000 |
| Pasco County Florida | 4 | $ 174,000 | $ 43,000 | $ 58,000 |
| Kootenai County Idaho | 4 | $ 619,000 | $ 154,000 | $ 116,000 |
| Linn County Iowa | 4 | $ 256,000 | $ 64,000 | $ 42,000 |
| Androscoggin County Maine | 4 | $ 430,000 | $ 107,000 | $ 48,000 |
| Cumberland County Maine | 4 | $ 546,000 | $ 136,000 | $ 92,000 |
| Sagadahoc County Maine | 4 | $ 438,000 | $ 109,000 | $ 61,000 |
| Wicomico County Maryland | 4 | $ 259,000 | $ 64,000 | $ 90,000 |
| Hampden County Massachusetts | 4 | $ 486,000 | $ 121,000 | $ 34,000 |
| Plymouth County Massachusetts | 4 | $ 965,000 | $ 241,000 | $ 77,000 |
| Oakland County Michigan | 4 | $ 1,258,000 | $ 314,000 | $ 55,000 |
| San Miguel County New Mexico | 4 | $ 375,000 | $ 93,000 | $ 35,000 |
| Mecklenburg County North Carolina | 4 | $ 563,000 | $ 140,000 | $ 140,000 |
| Douglas County Oregon | 4 | $ 362,000 | $ 90,000 | $ 27,000 |
| Collin County Texas | 4 | $ 430,000 | $ 107,000 | $ 103,000 |
| Travis County Texas | 4 | $ 458,000 | $ 114,000 | $ 84,000 |
| Davis County Utah | 4 | $ 474,000 | $ 118,000 | $ 63,000 |
| Alexandria County Virginia | 4 | $ 1,622,000 | $ 405,000 | $ 122,000 |
| Arlington County Virginia | 4 | $ 1,441,000 | $ 360,000 | $ 113,000 |
| Chesterfield County Virginia | 4 | $ 590,000 | $ 147,000 | $ 71,000 |
| Frederick County Virginia | 4 | $ 724,000 | $ 181,000 | $ 111,000 |
| Norfolk County Virginia | 4 | $ 493,000 | $ 123,000 | $ 62,000 |
| Richmond City County Virginia | 4 | $ 216,000 | $ 54,000 | $ 0 |
| Spotsylvania County Virginia | 4 | $ 390,000 | $ 97,000 | $ 0 |
| Kitsap County Washington | 4 | $ 606,000 | $ 151,000 | $ 81,000 |
| Coconino County Arizona | 3 | $ 854,000 | $ 284,000 | $ 187,000 |
| Del Norte County California | 3 | $ 576,000 | $ 192,000 | $ 66,000 |
| Mendocino County California | 3 | $ 735,000 | $ 245,000 | $ 84,000 |
| Siskiyou County California | 3 | $ 289,000 | $ 96,000 | $ 65,000 |
| Trinity County California | 3 | $ 400,000 | $ 133,000 | $ 95,000 |
| Nassau County Florida | 3 | $ 708,000 | $ 236,000 | $ 103,000 |
| Osceola County Florida | 3 | $ 539,000 | $ 179,000 | $ 144,000 |
| St. Johns County Florida | 3 | $ 842,000 | $ 280,000 | $ 94,000 |
| Oxford County Maine | 3 | $ 517,000 | $ 172,000 | $ 60,000 |
| Worcester County Maryland | 3 | $ 439,000 | $ 146,000 | $ 216,000 |
| Suffolk County Massachusetts | 3 | $ 679,000 | $ 226,000 | $ 101,000 |
| Anoka County Minnesota | 3 | $ 325,000 | $ 108,000 | $ 58,000 |
| Washington County Minnesota | 3 | $ 667,000 | $ 222,000 | $ 121,000 |
| Carson City County Nevada | 3 | $ 673,000 | $ 224,000 | $ 78,000 |
| Douglas County Nevada | 3 | $ 565,000 | $ 188,000 | $ 35,000 |
| Curry County New Mexico | 3 | $ 328,000 | $ 109,000 | $ 59,000 |
| San Juan County New Mexico | 3 | $ 207,000 | $ 69,000 | $ 79,000 |
| Santa Fe County New Mexico | 3 | $ 775,000 | $ 258,000 | $ 101,000 |
| Lincoln County Oregon | 3 | $ 446,000 | $ 148,000 | $ 35,000 |
| Lexington County South Carolina | 3 | $ 536,000 | $ 178,000 | $ 154,000 |
| Harris County Texas | 3 | $ 186,000 | $ 62,000 | $ 69,000 |
| Washington County Utah | 3 | $ 878,000 | $ 292,000 | $ 116,000 |
| Weber County Utah | 3 | $ 227,000 | $ 75,000 | $ 104,000 |
| Culpeper County Virginia | 3 | $ 480,000 | $ 160,000 | $ 98,000 |
| Fauquier County Virginia | 3 | $ 1,170,000 | $ 390,000 | $ 134,000 |
| Benton County Washington | 3 | $ 592,000 | $ 197,000 | $ 99,000 |
| Clallam County Washington | 3 | $ 223,000 | $ 74,000 | $ 78,000 |
| Franklin County Washington | 3 | $ 285,000 | $ 95,000 | $ 105,000 |
| Island County Washington | 3 | $ 895,000 | $ 298,000 | $ 49,000 |
| La Paz County Arizona | 2 | $ 165,000 | $ 82,000 | $ 69,000 |
| Amador County California | 2 | $ 359,000 | $ 179,000 | $ 131,000 |
| Glenn County California | 2 | $ 274,000 | $ 137,000 | $ 29,000 |
| Adams County Colorado | 2 | $ 172,000 | $ 86,000 | $ 53,000 |
| Chaffee County Colorado | 2 | $ 400,000 | $ 200,000 | $ 88,000 |
| Garfield County Colorado | 2 | $ 412,000 | $ 206,000 | $ 105,000 |
| Saguache County Colorado | 2 | $ 200,000 | $ 100,000 | $ 63,000 |
| Hartford County Connecticut | 2 | $ 461,000 | $ 230,000 | $ 70,000 |
| Litchfield County Connecticut | 2 | $ 481,000 | $ 240,000 | $ 70,000 |
| Windham County Connecticut | 2 | $ 234,000 | $ 117,000 | $ 92,000 |
| Alachua County Florida | 2 | $ 161,000 | $ 80,000 | $ 70,000 |
| Bay County Florida | 2 | $ 290,000 | $ 145,000 | $ 21,000 |
| Citrus County Florida | 2 | $ 168,000 | $ 84,000 | $ 64,000 |
| Hardee County Florida | 2 | $ 125,000 | $ 62,000 | $ 52,000 |
| Holmes County Florida | 2 | $ 122,000 | $ 61,000 | $ 45,000 |
| Leon County Florida | 2 | $ 282,000 | $ 141,000 | $ 90,000 |
| Monroe County Florida | 2 | $ 648,000 | $ 324,000 | $ 86,000 |
| Bonneville County Idaho | 2 | $ 101,000 | $ 50,000 | $ 33,000 |
| Valley County Idaho | 2 | $ 391,000 | $ 195,000 | $ 92,000 |
| Clay County Iowa | 2 | $ 117,000 | $ 58,000 | $ 78,000 |
| Grundy County Iowa | 2 | $ 395,000 | $ 197,000 | $ 132,000 |
| Harrison County Iowa | 2 | $ 169,000 | $ 84,000 | $ 69,000 |
| Ida County Iowa | 2 | $ 80,000 | $ 40,000 | $ 44,000 |
| Jasper County Iowa | 2 | $ 109,000 | $ 54,000 | $ 57,000 |
| Scott County Iowa | 2 | $ 201,000 | $ 100,000 | $ 53,000 |
| Kennebec County Maine | 2 | $ 135,000 | $ 67,000 | $ 78,000 |
| Penobscot County Maine | 2 | $ 264,000 | $ 132,000 | $ 40,000 |
| York County Maine | 2 | $ 807,000 | $ 403,000 | $ 325,000 |
| Dorchester County Maryland | 2 | $ 114,000 | $ 57,000 | $ 77,000 |
| Garrett County Maryland | 2 | $ 120,000 | $ 60,000 | $ 168,000 |
| Hampshire County Massachusetts | 2 | $ 431,000 | $ 215,000 | $ 73,000 |
| Norfolk County Massachusetts | 2 | $ 646,000 | $ 323,000 | $ 144,000 |
| Calhoun County Michigan | 2 | $ 105,000 | $ 52,000 | $ 29,000 |
| Genesee County Michigan | 2 | $ 1,208,000 | $ 604,000 | $ 0 |
| Dakota County Minnesota | 2 | $ 233,000 | $ 116,000 | $ 74,000 |
| Martin County Minnesota | 2 | $ 401,000 | $ 200,000 | $ 66,000 |
| Ramsey County Minnesota | 2 | $ 435,000 | $ 217,000 | $ 86,000 |
| Steele County Minnesota | 2 | $ 344,000 | $ 172,000 | $ 75,000 |
| Elko County Nevada | 2 | $ 236,000 | $ 118,000 | $ 53,000 |
| Lincoln County New Mexico | 2 | $ 223,000 | $ 111,000 | $ 29,000 |
| McKinley County New Mexico | 2 | $ 94,000 | $ 47,000 | $ 33,000 |
| Moore County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 114,000 |
| Coos County Oregon | 2 | $ 295,000 | $ 147,000 | $ 54,000 |
| Crook County Oregon | 2 | $ 299,000 | $ 149,000 | $ 62,000 |
| Josephine County Oregon | 2 | $ 304,000 | $ 152,000 | $ 49,000 |
| Umatilla County Oregon | 2 | $ 121,000 | $ 60,000 | $ 255,000 |
| Yamhill County Oregon | 2 | $ 615,000 | $ 307,000 | $ 158,000 |
| Beaufort County South Carolina | 2 | $ 724,000 | $ 362,000 | $ 47,000 |
| Edgefield County South Carolina | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Greenville County South Carolina | 2 | $ 392,000 | $ 196,000 | $ 69,000 |
| Horry County South Carolina | 2 | $ 396,000 | $ 198,000 | $ 187,000 |
| Richland County South Carolina | 2 | $ 770,000 | $ 385,000 | $ 195,000 |
| Bee County Texas | 2 | $ 148,000 | $ 74,000 | $ 180,000 |
| Comal County Texas | 2 | $ 288,000 | $ 144,000 | $ 77,000 |
| Denton County Texas | 2 | $ 201,000 | $ 100,000 | $ 135,000 |
| El Paso County Texas | 2 | $ 180,000 | $ 90,000 | $ 33,000 |
| Montgomery County Texas | 2 | $ 315,000 | $ 157,000 | $ 96,000 |
| Wasatch County Utah | 2 | $ 601,000 | $ 300,000 | $ 83,000 |
| Bedford County Virginia | 2 | $ 153,000 | $ 76,000 | $ 80,000 |
| Charlotte County Virginia | 2 | $ 380,000 | $ 190,000 | $ 95,000 |
| Danville County Virginia | 2 | $ 188,000 | $ 94,000 | $ 73,000 |
| Gloucester County Virginia | 2 | $ 225,000 | $ 112,000 | $ 63,000 |
| Greene County Virginia | 2 | $ 144,000 | $ 72,000 | $ 69,000 |
| Hanover County Virginia | 2 | $ 354,000 | $ 177,000 | $ 114,000 |
| Portsmouth County Virginia | 2 | $ 145,000 | $ 72,000 | $ 46,000 |
| Lewis County Washington | 2 | $ 577,000 | $ 288,000 | $ 106,000 |
| Walla Walla County Washington | 2 | $ 635,000 | $ 317,000 | $ 202,000 |
| Yakima County Washington | 2 | $ 165,000 | $ 82,000 | $ 85,000 |
| Apache County Arizona | 1 | $ 399,000 | $ 399,000 | $ 264,000 |
| Graham County Arizona | 1 | $ 24,000 | $ 24,000 | $ 71,000 |
| Santa Cruz County Arizona | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Inyo County California | 1 | $ 315,000 | $ 315,000 | $ 107,000 |
| Grand County Colorado | 1 | $ 342,000 | $ 342,000 | $ 110,000 |
| La Plata County Colorado | 1 | $ 480,000 | $ 480,000 | $ 420,000 |
| Larimer County Colorado | 1 | $ 282,000 | $ 282,000 | $ 192,000 |
| Pitkin County Colorado | 1 | $ 128,000 | $ 128,000 | $ 181,000 |
| Pueblo County Colorado | 1 | $ 278,000 | $ 278,000 | $ 114,000 |
| San Miguel County Colorado | 1 | $ 529,000 | $ 529,000 | $ 114,000 |
| Middlesex County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 99,000 |
| Tolland County Connecticut | 1 | $ 180,000 | $ 180,000 | $ 66,000 |
| Kent County Delaware | 1 | $ 81,000 | $ 81,000 | $ 30,000 |
| Sussex County Delaware | 1 | $ 256,000 | $ 256,000 | $ 193,000 |
| DeSoto County Florida | 1 | $ 340,000 | $ 340,000 | $ 118,000 |
| Franklin County Florida | 1 | $ 382,000 | $ 382,000 | $ 135,000 |
| Indian River County Florida | 1 | $ 23,000 | $ 23,000 | $ 112,000 |
| Levy County Florida | 1 | $ 67,000 | $ 67,000 | $ 113,000 |
| Madison County Florida | 1 | $ 84,000 | $ 84,000 | $ 42,000 |
| Santa Rosa County Florida | 1 | $ 164,000 | $ 164,000 | $ 54,000 |
| Taylor County Florida | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Washington County Florida | 1 | $ 93,000 | $ 93,000 | $ 27,000 |
| Bonner County Idaho | 1 | $ 178,000 | $ 178,000 | $ 240,000 |
| Canyon County Idaho | 1 | $ 98,000 | $ 98,000 | $ 60,000 |
| Cassia County Idaho | 1 | $ 260,000 | $ 260,000 | $ 79,000 |
| Idaho County Idaho | 1 | $ 98,000 | $ 98,000 | $ 38,000 |
| Latah County Idaho | 1 | $ 289,000 | $ 289,000 | $ 162,000 |
| Madison County Idaho | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Twin Falls County Idaho | 1 | $ 84,000 | $ 84,000 | $ 44,000 |
| Buchanan County Iowa | 1 | $ 86,000 | $ 86,000 | $ 51,000 |
| Buena Vista County Iowa | 1 | $ 96,000 | $ 96,000 | $ 84,000 |
| Dallas County Iowa | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Lee County Iowa | 1 | $ 116,000 | $ 116,000 | $ 36,000 |
| Madison County Iowa | 1 | $ 110,000 | $ 110,000 | $ 52,000 |
| Polk County Iowa | 1 | $ 91,000 | $ 91,000 | $ 74,000 |
| Jefferson County Kentucky | 1 | $ 755,000 | $ 755,000 | $ 180,000 |
| Allegany County Maryland | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Caroline County Maryland | 1 | $ 90,000 | $ 90,000 | $ 43,000 |
| Cecil County Maryland | 1 | $ 41,000 | $ 41,000 | $ 80,000 |
| Talbot County Maryland | 1 | $ 660,000 | $ 660,000 | $ 120,000 |
| Bristol County Massachusetts | 1 | $ 138,000 | $ 138,000 | $ 88,000 |
| Macomb County Michigan | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Becker County Minnesota | 1 | $ 126,000 | $ 126,000 | $ 41,000 |
| Carlton County Minnesota | 1 | $ 117,000 | $ 117,000 | $ 72,000 |
| Douglas County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Mille Lacs County Minnesota | 1 | $ 259,000 | $ 259,000 | $ 144,000 |
| Scott County Minnesota | 1 | $ 300,000 | $ 300,000 | $ 84,000 |
| Stearns County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Watonwan County Minnesota | 1 | $ 133,000 | $ 133,000 | $ 132,000 |
| Wright County Minnesota | 1 | $ 294,000 | $ 294,000 | $ 149,000 |
| Flathead County Montana | 1 | $ 300,000 | $ 300,000 | $ 76,000 |
| Lincoln County Montana | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| Yellowstone County Montana | 1 | $ 147,000 | $ 147,000 | $ 49,000 |
| Churchill County Nevada | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Esmeralda County Nevada | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Lyon County Nevada | 1 | $ 229,000 | $ 229,000 | $ 92,000 |
| Dona Ana County New Mexico | 1 | $ 81,000 | $ 81,000 | $ 29,000 |
| Grant County New Mexico | 1 | $ 290,000 | $ 290,000 | $ 64,000 |
| Luna County New Mexico | 1 | $ 41,000 | $ 41,000 | $ 71,000 |
| Otero County New Mexico | 1 | $ 317,000 | $ 317,000 | $ 86,000 |
| Sierra County New Mexico | 1 | $ 212,000 | $ 212,000 | $ 168,000 |
| Alamance County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 56,000 |
| Beaufort County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 15,000 |
| Cumberland County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 74,000 |
| Rutherford County North Carolina | 1 | $ 364,000 | $ 364,000 | $ 89,000 |
| Wake County North Carolina | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Burleigh County North Dakota | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Benton County Oregon | 1 | $ 68,000 | $ 68,000 | $ 100,000 |
| Columbia County Oregon | 1 | $ 196,000 | $ 196,000 | $ 40,000 |
| Polk County Oregon | 1 | $ 77,000 | $ 77,000 | $ 35,000 |
| York County Pennsylvania | 1 | $ 326,000 | $ 326,000 | $ 124,000 |
| Charleston County South Carolina | 1 | $ 109,000 | $ 109,000 | $ 31,000 |
| Dorchester County South Carolina | 1 | $ 146,000 | $ 146,000 | $ 60,000 |
| Greenwood County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Sumter County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 22,000 |
| Bandera County Texas | 1 | $ 203,000 | $ 203,000 | $ 111,000 |
| Bell County Texas | 1 | $ 101,000 | $ 101,000 | $ 39,000 |
| Fort Bend County Texas | 1 | $ 72,000 | $ 72,000 | $ 52,000 |
| Lubbock County Texas | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Medina County Texas | 1 | $ 104,000 | $ 104,000 | $ 77,000 |
| Moore County Texas | 1 | $ 126,000 | $ 126,000 | $ 66,000 |
| Tarrant County Texas | 1 | $ 190,000 | $ 190,000 | $ 55,000 |
| Millard County Utah | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Summit County Utah | 1 | $ 169,000 | $ 169,000 | $ 240,000 |
| Albemarle County Virginia | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Colonial Heights County Virginia | 1 | $ 143,000 | $ 143,000 | $ 53,000 |
| Fluvanna County Virginia | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Halifax County Virginia | 1 | $ 208,000 | $ 208,000 | $ 40,000 |
| James City County Virginia | 1 | $ 230,000 | $ 230,000 | $ 317,000 |
| Manassas Park County Virginia | 1 | $ 356,000 | $ 356,000 | $ 219,000 |
| Page County Virginia | 1 | $ 150,000 | $ 150,000 | $ 79,000 |
| Petersburg County Virginia | 1 | $ 128,000 | $ 128,000 | $ 83,000 |
| Rockingham County Virginia | 1 | $ 196,000 | $ 196,000 | $ 102,000 |
| Sussex County Virginia | 1 | $ 117,000 | $ 117,000 | $ 48,000 |
| Warren County Virginia | 1 | $ 122,000 | $ 122,000 | $ 59,000 |
| Washington County Virginia | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Westmoreland County Virginia | 1 | $ 150,000 | $ 150,000 | $ 115,000 |
| Grays Harbor County Washington | 1 | $ 31,000 | $ 31,000 | $ 86,000 |
| Jefferson County Washington | 1 | $ 170,000 | $ 170,000 | $ 81,000 |
| Pacific County Washington | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Pend Oreille County Washington | 1 | $ 90,000 | $ 90,000 | $ 32,000 |
| Stevens County Washington | 1 | $ 122,000 | $ 122,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, Llc in 2005
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 | 7,519 | $1,857,600,000 | $210,142 | $2,475,000 | $85,750 | $8,044,000 |
| Home Purchase | 5,697 | $1,335,093,000 | $172,043 | $3,375,000 | $124,391 | $6,557,000 |
| Home Improvement | 12 | $2,382,000 | $198,000 | $493,000 | $79,000 | $154,000 |
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 | 6,223 | $1,481,983,000 | $211,178 | $3,375,000 | $110,071 | $3,772,000 |
| Hispanic | 3,954 | $914,303,000 | $180,200 | $1,500,000 | $65,550 | $1,516,000 |
| Asian | 1,328 | $387,483,000 | $239,076 | $2,113,000 | $111,846 | $2,160,000 |
| Black or African American | 762 | $176,078,000 | $188,071 | $1,610,000 | $94,071 | $6,557,000 |
| Not Provided | 757 | $183,932,000 | $180,631 | $1,500,000 | $83,263 | $8,044,000 |
| Native Hawaiian or Other Pacific Islander | 171 | $44,567,000 | $189,571 | $900,000 | $79,714 | $748,000 |
| American Indian or Alaskan Native | 33 | $6,729,000 | $200,800 | $650,000 | $85,400 | $710,000 |
| 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) | 13,061 | $3,164,023,000 | $208,535 | $3,375,000 | $98,714 | $8,044,000 |
| FHA-insured (Federal Housing Administration) | 143 | $25,552,000 | $162,000 | $318,000 | $54,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 24 | $5,500,000 | $211,000 | $358,000 | $57,000 | $125,000 |
| 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 | 6,824 | $1,627,110,000 | $216,535 | $2,000,000 | $98,535 | $1,516,000 |
| Application Approved But Not Accepted | 3,671 | $930,913,000 | $186,416 | $2,475,000 | $77,125 | $2,160,000 |
| Application Denied By Financial Institution | 1,360 | $314,825,000 | $197,100 | $3,375,000 | $120,900 | $3,772,000 |
| File Closed For Incompleteness | 902 | $224,368,000 | $215,684 | $2,159,000 | $106,210 | $8,044,000 |
| Application Withdrawn By Applicant | 470 | $97,828,000 | $179,846 | $900,000 | $114,769 | $624,000 |
| Loan Purchased By The Institution | 1 | $31,000 | $31,000 | $31,000 | $235,000 | $235,000 |
| 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 | 295 | $75,271,000 | $234,307 | $964,000 | $91,153 | $444,000 |
| Other | 144 | $39,240,000 | $444,600 | $1,953,000 | $488,900 | $3,772,000 |
| Unverifiable Information | 116 | $21,137,000 | $154,500 | $608,000 | $103,666 | $540,000 |
| Collateral | 81 | $18,819,000 | $217,090 | $1,400,000 | $100,181 | $593,000 |
| Debt-To-Income Ratio | 75 | $16,158,000 | $201,666 | $676,000 | $89,333 | $333,000 |
| Employment History | 27 | $6,122,000 | $170,250 | $706,000 | $115,250 | $215,000 |
| Credit Application Incomplete | 12 | $2,642,000 | $218,000 | $650,000 | $122,666 | $420,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,238,000 | $209,500 | $650,000 | $151,000 | $264,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, Llc's 2005 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.