Stearns Lending, LLC Mortgage Lending & HMDA Data, 2006
In 2006, Stearns Lending, LLC of Santa Ana, CA reported 15,984 mortgage applications totaling $3.9 billion, up 21% from 2005. The average application was for $246,549, and applicants reported an average income of $121,061. 42% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (2,512), Los Angeles-Long Beach-Glendale, CA (2,335) and Las Vegas-Paradise, NV (1,690) (applications in parentheses).
| 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 | 15,984 |
| Total Mortgage Loan Application Amount | $3,940,849,000 |
| Average Mortgage Loan Application Amount | $246,549 |
| Highest Mortgage Loan Application Amount | $4,868,000 |
| Average Applicant Income | $121,061 |
| Highest Applicant Income | $2,890,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stearns Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 2,335 | $ 719,712,000 | $ 308,227 | $ 120,000 |
| Clark, Nevada | 1,690 | $ 326,843,000 | $ 193,398 | $ 108,000 |
| Orange, California | 1,471 | $ 543,688,000 | $ 369,604 | $ 152,000 |
| Riverside, California | 1,331 | $ 370,062,000 | $ 278,033 | $ 126,000 |
| Maricopa, Arizona | 1,223 | $ 231,378,000 | $ 189,188 | $ 120,000 |
| San Bernardino, California | 1,181 | $ 286,941,000 | $ 242,964 | $ 116,000 |
| San Diego, California | 609 | $ 186,781,000 | $ 306,701 | $ 124,000 |
| Fresno, California | 331 | $ 58,999,000 | $ 178,244 | $ 101,000 |
| Stanislaus, California | 308 | $ 67,965,000 | $ 220,665 | $ 101,000 |
| San Joaquin, California | 299 | $ 72,196,000 | $ 241,458 | $ 102,000 |
| Sacramento, California | 177 | $ 38,075,000 | $ 215,112 | $ 118,000 |
| Kern, California | 166 | $ 28,768,000 | $ 173,301 | $ 95,000 |
| Pima, Arizona | 147 | $ 18,723,000 | $ 127,367 | $ 86,000 |
| Anne Arundel, Maryland | 145 | $ 35,189,000 | $ 242,682 | $ 116,000 |
| Contra Costa, California | 131 | $ 40,332,000 | $ 307,877 | $ 134,000 |
| Broward, Florida | 128 | $ 26,100,000 | $ 203,906 | $ 110,000 |
| Miami-Dade, Florida | 128 | $ 22,706,000 | $ 177,390 | $ 123,000 |
| Pinal, Arizona | 114 | $ 14,134,000 | $ 123,982 | $ 88,000 |
| Alameda, California | 113 | $ 39,228,000 | $ 347,150 | $ 198,000 |
| Santa Clara, California | 112 | $ 40,846,000 | $ 364,696 | $ 152,000 |
| Tulare, California | 90 | $ 14,460,000 | $ 160,666 | $ 84,000 |
| Ventura, California | 81 | $ 30,825,000 | $ 380,555 | $ 230,000 |
| Honolulu, Hawaii | 81 | $ 26,516,000 | $ 327,358 | $ 127,000 |
| Prince George's, Maryland | 80 | $ 17,215,000 | $ 215,187 | $ 84,000 |
| Palm Beach, Florida | 78 | $ 14,739,000 | $ 188,961 | $ 128,000 |
| Hillsborough, Florida | 76 | $ 13,180,000 | $ 173,421 | $ 145,000 |
| Mohave, Arizona | 69 | $ 9,111,000 | $ 132,043 | $ 163,000 |
| Madera, California | 64 | $ 12,883,000 | $ 201,296 | $ 104,000 |
| Lee, Florida | 64 | $ 16,258,000 | $ 254,031 | $ 161,000 |
| Merced, California | 58 | $ 11,238,000 | $ 193,758 | $ 103,000 |
| Baltimore, Maryland | 55 | $ 7,615,000 | $ 138,454 | $ 88,000 |
| Hawaii, Hawaii | 54 | $ 17,482,000 | $ 323,740 | $ 224,000 |
| Wayne, Michigan | 51 | $ 5,681,000 | $ 111,392 | $ 69,000 |
| Multnomah, Oregon | 49 | $ 6,424,000 | $ 131,102 | $ 92,000 |
| Solano, California | 47 | $ 13,307,000 | $ 283,127 | $ 132,000 |
| Orange, Florida | 45 | $ 6,949,000 | $ 154,422 | $ 79,000 |
| Duval, Florida | 44 | $ 4,481,000 | $ 101,840 | $ 92,000 |
| Polk, Florida | 44 | $ 5,817,000 | $ 132,204 | $ 63,000 |
| Pinellas, Florida | 43 | $ 6,923,000 | $ 161,000 | $ 114,000 |
| Washoe, Nevada | 43 | $ 8,737,000 | $ 203,186 | $ 115,000 |
| Salt Lake, Utah | 43 | $ 6,961,000 | $ 161,883 | $ 123,000 |
| Monterey, California | 42 | $ 14,293,000 | $ 340,309 | $ 131,000 |
| King, Washington | 39 | $ 9,069,000 | $ 232,538 | $ 119,000 |
| Tuolumne, California | 38 | $ 8,797,000 | $ 231,500 | $ 133,000 |
| Pierce, Washington | 38 | $ 5,558,000 | $ 146,263 | $ 87,000 |
| Osceola, Florida | 37 | $ 4,955,000 | $ 133,918 | $ 120,000 |
| Montgomery, Maryland | 37 | $ 10,309,000 | $ 278,621 | $ 144,000 |
| Bernalillo, New Mexico | 37 | $ 3,407,000 | $ 92,081 | $ 121,000 |
| Lane, Oregon | 37 | $ 4,590,000 | $ 124,054 | $ 83,000 |
| Howard, Maryland | 36 | $ 9,803,000 | $ 272,305 | $ 107,000 |
| Brevard, Florida | 33 | $ 4,577,000 | $ 138,696 | $ 108,000 |
| Baltimore City, Maryland | 33 | $ 4,630,000 | $ 140,303 | $ 80,000 |
| Nye, Nevada | 32 | $ 5,737,000 | $ 179,281 | $ 89,000 |
| Yavapai, Arizona | 31 | $ 6,015,000 | $ 194,032 | $ 119,000 |
| Snohomish, Washington | 31 | $ 5,251,000 | $ 169,387 | $ 59,000 |
| Clay, Florida | 30 | $ 3,993,000 | $ 133,100 | $ 93,000 |
| Volusia, Florida | 29 | $ 3,149,000 | $ 108,586 | $ 81,000 |
| Imperial, California | 27 | $ 4,440,000 | $ 164,444 | $ 87,000 |
| Arapahoe, Colorado | 26 | $ 4,586,000 | $ 176,384 | $ 89,000 |
| Maui, Hawaii | 26 | $ 10,831,000 | $ 416,576 | $ 166,000 |
| San Luis Obispo, California | 25 | $ 7,813,000 | $ 312,520 | $ 189,000 |
| Santa Barbara, California | 25 | $ 8,208,000 | $ 328,320 | $ 153,000 |
| Pasco, Florida | 25 | $ 3,257,000 | $ 130,280 | $ 90,000 |
| Utah, Utah | 25 | $ 5,423,000 | $ 216,920 | $ 178,000 |
| Denver, Colorado | 23 | $ 4,444,000 | $ 193,217 | $ 217,000 |
| St. Lucie, Florida | 23 | $ 4,043,000 | $ 175,782 | $ 133,000 |
| Kings, California | 22 | $ 3,438,000 | $ 156,272 | $ 73,000 |
| San Mateo, California | 22 | $ 8,412,000 | $ 382,363 | $ 158,000 |
| Frederick, Maryland | 22 | $ 3,727,000 | $ 169,409 | $ 81,000 |
| Fairfax, Virginia | 22 | $ 7,880,000 | $ 358,181 | $ 163,000 |
| Placer, California | 21 | $ 6,850,000 | $ 326,190 | $ 181,000 |
| Washington, Oregon | 21 | $ 3,590,000 | $ 170,952 | $ 71,000 |
| Clark, Washington | 21 | $ 4,233,000 | $ 201,571 | $ 69,000 |
| Douglas, Colorado | 20 | $ 7,768,000 | $ 388,400 | $ 84,000 |
| Collier, Florida | 20 | $ 8,525,000 | $ 426,250 | $ 197,000 |
| Ada, Idaho | 20 | $ 3,260,000 | $ 163,000 | $ 157,000 |
| Sonoma, California | 19 | $ 6,181,000 | $ 325,315 | $ 156,000 |
| Marion, Oregon | 19 | $ 1,330,000 | $ 70,000 | $ 80,000 |
| Marion, Florida | 18 | $ 1,567,000 | $ 87,055 | $ 65,000 |
| Sarasota, Florida | 18 | $ 3,983,000 | $ 221,277 | $ 132,000 |
| Clackamas, Oregon | 18 | $ 3,744,000 | $ 208,000 | $ 101,000 |
| Jefferson, Colorado | 17 | $ 3,269,000 | $ 192,294 | $ 77,000 |
| Lake, Florida | 17 | $ 3,520,000 | $ 207,058 | $ 137,000 |
| Harford, Maryland | 17 | $ 2,552,000 | $ 150,117 | $ 85,000 |
| Yuma, Arizona | 16 | $ 2,282,000 | $ 142,625 | $ 85,000 |
| Butte, California | 16 | $ 3,263,000 | $ 203,937 | $ 72,000 |
| Calaveras, California | 16 | $ 3,184,000 | $ 199,000 | $ 131,000 |
| Humboldt, California | 16 | $ 3,876,000 | $ 242,250 | $ 88,000 |
| Santa Cruz, California | 16 | $ 4,967,000 | $ 310,437 | $ 138,000 |
| Manatee, Florida | 16 | $ 1,820,000 | $ 113,750 | $ 77,000 |
| Sutter, California | 15 | $ 1,692,000 | $ 112,800 | $ 87,000 |
| Yuba, California | 15 | $ 1,846,000 | $ 123,066 | $ 72,000 |
| Escambia, Florida | 15 | $ 1,425,000 | $ 95,000 | $ 87,000 |
| Mecklenburg, North Carolina | 15 | $ 2,336,000 | $ 155,733 | $ 152,000 |
| Adams, Colorado | 14 | $ 2,531,000 | $ 180,785 | $ 56,000 |
| Indian River, Florida | 14 | $ 1,873,000 | $ 133,785 | $ 91,000 |
| Lyon, Nevada | 14 | $ 2,148,000 | $ 153,428 | $ 92,000 |
| Jackson, Oregon | 14 | $ 2,622,000 | $ 187,285 | $ 112,000 |
| Davis, Utah | 14 | $ 2,015,000 | $ 143,928 | $ 105,000 |
| Kauai, Hawaii | 13 | $ 6,366,000 | $ 489,692 | $ 348,000 |
| El Dorado, California | 12 | $ 4,868,000 | $ 405,666 | $ 155,000 |
| Shasta, California | 12 | $ 1,601,000 | $ 133,416 | $ 84,000 |
| El Paso, Colorado | 12 | $ 1,321,000 | $ 110,083 | $ 70,000 |
| District of Columbia, District Of Columbia | 12 | $ 3,367,000 | $ 280,583 | $ 111,000 |
| St. Johns, Florida | 12 | $ 2,519,000 | $ 209,916 | $ 170,000 |
| Hampden, Massachusetts | 12 | $ 1,473,000 | $ 122,750 | $ 96,000 |
| Middlesex, Massachusetts | 12 | $ 2,693,000 | $ 224,416 | $ 109,000 |
| Loudoun, Virginia | 12 | $ 4,027,000 | $ 335,583 | $ 163,000 |
| Prince William, Virginia | 12 | $ 3,681,000 | $ 306,750 | $ 72,000 |
| San Francisco, California | 11 | $ 4,736,000 | $ 430,545 | $ 196,000 |
| Seminole, Florida | 11 | $ 2,001,000 | $ 181,909 | $ 109,000 |
| Washington, Maryland | 11 | $ 1,716,000 | $ 156,000 | $ 56,000 |
| Grays Harbor, Washington | 11 | $ 878,000 | $ 79,818 | $ 123,000 |
| Spokane, Washington | 11 | $ 1,591,000 | $ 144,636 | $ 105,000 |
| Lake, California | 10 | $ 1,787,000 | $ 178,700 | $ 87,000 |
| Fairfield, Connecticut | 10 | $ 4,159,000 | $ 415,900 | $ 105,000 |
| Hernando, Florida | 10 | $ 1,909,000 | $ 190,900 | $ 102,000 |
| Suffolk, Massachusetts | 10 | $ 2,460,000 | $ 246,000 | $ 154,000 |
| Dona Ana, New Mexico | 10 | $ 1,347,000 | $ 134,700 | $ 132,000 |
| Harris, Texas | 10 | $ 1,186,000 | $ 118,600 | $ 244,000 |
| Cochise, Arizona | 9 | $ 1,074,000 | $ 119,333 | $ 91,000 |
| New Haven, Connecticut | 9 | $ 1,751,000 | $ 194,555 | $ 79,000 |
| Alachua, Florida | 9 | $ 942,000 | $ 104,666 | $ 120,000 |
| Calvert, Maryland | 9 | $ 1,326,000 | $ 147,333 | $ 74,000 |
| Carroll, Maryland | 9 | $ 1,846,000 | $ 205,111 | $ 113,000 |
| Queen Anne's, Maryland | 9 | $ 2,410,000 | $ 267,777 | $ 122,000 |
| St. Mary's, Maryland | 9 | $ 1,684,000 | $ 187,111 | $ 96,000 |
| Wake, North Carolina | 9 | $ 1,414,000 | $ 157,111 | $ 97,000 |
| Horry, South Carolina | 9 | $ 1,286,000 | $ 142,888 | $ 71,000 |
| Travis, Texas | 9 | $ 1,560,000 | $ 173,333 | $ 78,000 |
| Franklin, Washington | 9 | $ 677,000 | $ 75,222 | $ 113,000 |
| Thurston, Washington | 9 | $ 1,735,000 | $ 192,777 | $ 92,000 |
| Coconino, Arizona | 8 | $ 1,757,000 | $ 219,625 | $ 100,000 |
| Nevada, California | 8 | $ 2,021,000 | $ 252,625 | $ 87,000 |
| Yolo, California | 8 | $ 2,321,000 | $ 290,125 | $ 81,000 |
| Charlotte, Florida | 8 | $ 1,108,000 | $ 138,500 | $ 140,000 |
| Leon, Florida | 8 | $ 1,131,000 | $ 141,375 | $ 70,000 |
| Okaloosa, Florida | 8 | $ 1,558,000 | $ 194,750 | $ 80,000 |
| Canyon, Idaho | 8 | $ 630,000 | $ 78,750 | $ 47,000 |
| Worcester, Maryland | 8 | $ 2,263,000 | $ 282,875 | $ 236,000 |
| Clatsop, Oregon | 8 | $ 2,287,000 | $ 285,875 | $ 117,000 |
| Josephine, Oregon | 8 | $ 1,340,000 | $ 167,500 | $ 84,000 |
| Linn, Oregon | 8 | $ 891,000 | $ 111,375 | $ 75,000 |
| Kitsap, Washington | 8 | $ 734,000 | $ 91,750 | $ 49,000 |
| Yakima, Washington | 8 | $ 559,000 | $ 69,875 | $ 44,000 |
| Navajo, Arizona | 7 | $ 1,284,000 | $ 183,428 | $ 161,000 |
| Tehama, California | 7 | $ 2,153,000 | $ 307,571 | $ 204,000 |
| Eagle, Colorado | 7 | $ 2,347,000 | $ 335,285 | $ 144,000 |
| New Castle, Delaware | 7 | $ 1,534,000 | $ 219,142 | $ 174,000 |
| Martin, Florida | 7 | $ 2,305,000 | $ 329,285 | $ 225,000 |
| Monroe, Florida | 7 | $ 3,657,000 | $ 522,428 | $ 164,000 |
| Charles, Maryland | 7 | $ 786,000 | $ 112,285 | $ 94,000 |
| Essex, Massachusetts | 7 | $ 1,553,000 | $ 221,857 | $ 80,000 |
| Douglas, Nevada | 7 | $ 2,561,000 | $ 365,857 | $ 431,000 |
| Jefferson, Oregon | 7 | $ 583,000 | $ 83,285 | $ 263,000 |
| Dallas, Texas | 7 | $ 738,000 | $ 105,428 | $ 76,000 |
| Box Elder, Utah | 7 | $ 480,000 | $ 68,571 | $ 53,000 |
| Washington, Utah | 7 | $ 1,431,000 | $ 204,428 | $ 295,000 |
| Mendocino, California | 6 | $ 1,915,000 | $ 319,166 | $ 26,000 |
| Napa, California | 6 | $ 1,808,000 | $ 301,333 | $ 169,000 |
| Hartford, Connecticut | 6 | $ 1,154,000 | $ 192,333 | $ 102,000 |
| Flagler, Florida | 6 | $ 982,000 | $ 163,666 | $ 95,000 |
| Santa Rosa, Florida | 6 | $ 412,000 | $ 68,666 | $ 110,000 |
| Cecil, Maryland | 6 | $ 657,000 | $ 109,500 | $ 118,000 |
| Plymouth, Massachusetts | 6 | $ 1,302,000 | $ 217,000 | $ 90,000 |
| Oakland, Michigan | 6 | $ 1,169,000 | $ 194,833 | $ 102,000 |
| Hennepin, Minnesota | 6 | $ 863,000 | $ 143,833 | $ 128,000 |
| Curry, New Mexico | 6 | $ 526,000 | $ 87,666 | $ 151,000 |
| Deschutes, Oregon | 6 | $ 1,119,000 | $ 186,500 | $ 47,000 |
| Bexar, Texas | 6 | $ 729,000 | $ 121,500 | $ 87,000 |
| Collin, Texas | 6 | $ 1,517,000 | $ 252,833 | $ 194,000 |
| El Paso, Texas | 6 | $ 638,000 | $ 106,333 | $ 106,000 |
| Iron, Utah | 6 | $ 1,214,000 | $ 202,333 | $ 123,000 |
| Virginia Beach, Virginia | 6 | $ 820,000 | $ 136,666 | $ 88,000 |
| Apache, Arizona | 5 | $ 396,000 | $ 79,200 | $ 122,000 |
| Colusa, California | 5 | $ 790,000 | $ 158,000 | $ 88,000 |
| Inyo, California | 5 | $ 1,065,000 | $ 213,000 | $ 64,000 |
| San Benito, California | 5 | $ 1,584,000 | $ 316,800 | $ 152,000 |
| Boulder, Colorado | 5 | $ 1,403,000 | $ 280,600 | $ 210,000 |
| Broomfield, Colorado | 5 | $ 790,000 | $ 158,000 | $ 137,000 |
| Larimer, Colorado | 5 | $ 1,149,000 | $ 229,800 | $ 174,000 |
| Weld, Colorado | 5 | $ 996,000 | $ 199,200 | $ 157,000 |
| Kent, Delaware | 5 | $ 747,000 | $ 149,400 | $ 92,000 |
| Citrus, Florida | 5 | $ 633,000 | $ 126,600 | $ 89,000 |
| Bannock, Idaho | 5 | $ 847,000 | $ 169,400 | $ 1,456,000 |
| Worcester, Massachusetts | 5 | $ 1,117,000 | $ 223,400 | $ 144,000 |
| Anoka, Minnesota | 5 | $ 2,071,000 | $ 414,200 | $ 172,000 |
| Churchill, Nevada | 5 | $ 1,029,000 | $ 205,800 | $ 80,000 |
| Forsyth, North Carolina | 5 | $ 268,000 | $ 53,600 | $ 54,000 |
| Polk, Oregon | 5 | $ 515,000 | $ 103,000 | $ 72,000 |
| Yamhill, Oregon | 5 | $ 918,000 | $ 183,600 | $ 58,000 |
| Charleston, South Carolina | 5 | $ 1,457,000 | $ 291,400 | $ 169,000 |
| Denton, Texas | 5 | $ 663,000 | $ 132,600 | $ 36,000 |
| Tarrant, Texas | 5 | $ 629,000 | $ 125,800 | $ 104,000 |
| Kane, Utah | 5 | $ 1,503,000 | $ 300,600 | $ 201,000 |
| Spotsylvania, Virginia | 5 | $ 1,071,000 | $ 214,200 | $ 139,000 |
| Chelan, Washington | 5 | $ 766,000 | $ 153,200 | $ 131,000 |
| Cowlitz, Washington | 5 | $ 433,000 | $ 86,600 | $ 65,000 |
| Whatcom, Washington | 5 | $ 531,000 | $ 106,200 | $ 86,000 |
| Santa Cruz, Arizona | 4 | $ 782,000 | $ 195,500 | $ 109,000 |
| Mono, California | 4 | $ 1,279,000 | $ 319,750 | $ 219,000 |
| Plumas, California | 4 | $ 925,000 | $ 231,250 | $ 75,000 |
| Archuleta, Colorado | 4 | $ 936,000 | $ 234,000 | $ 186,000 |
| Mesa, Colorado | 4 | $ 616,000 | $ 154,000 | $ 132,000 |
| New London, Connecticut | 4 | $ 511,000 | $ 127,750 | $ 26,000 |
| Sussex, Delaware | 4 | $ 798,000 | $ 199,500 | $ 156,000 |
| Bay, Florida | 4 | $ 327,000 | $ 81,750 | $ 99,000 |
| Polk, Iowa | 4 | $ 413,000 | $ 103,250 | $ 121,000 |
| Garrett, Maryland | 4 | $ 1,477,000 | $ 369,250 | $ 153,000 |
| Wicomico, Maryland | 4 | $ 315,000 | $ 78,750 | $ 95,000 |
| Crow Wing, Minnesota | 4 | $ 1,163,000 | $ 290,750 | $ 165,000 |
| Dakota, Minnesota | 4 | $ 423,000 | $ 105,750 | $ 31,000 |
| Carson City, Nevada | 4 | $ 677,000 | $ 169,250 | $ 83,000 |
| Sandoval, New Mexico | 4 | $ 345,000 | $ 86,250 | $ 130,000 |
| Taos, New Mexico | 4 | $ 679,000 | $ 169,750 | $ 115,000 |
| Valencia, New Mexico | 4 | $ 305,000 | $ 76,250 | $ 16,000 |
| Cabarrus, North Carolina | 4 | $ 358,000 | $ 89,500 | $ 120,000 |
| Union, North Carolina | 4 | $ 2,364,000 | $ 591,000 | $ 408,000 |
| Douglas, Oregon | 4 | $ 247,000 | $ 61,750 | $ 60,000 |
| Weber, Utah | 4 | $ 643,000 | $ 160,750 | $ 53,000 |
| Fauquier, Virginia | 4 | $ 881,000 | $ 220,250 | $ 57,000 |
| Roanoke, Virginia | 4 | $ 454,000 | $ 113,500 | $ 630,000 |
| Tazewell, Virginia | 4 | $ 510,000 | $ 127,500 | $ 114,000 |
| Benton, Washington | 4 | $ 478,000 | $ 119,500 | $ 55,000 |
| Mason, Washington | 4 | $ 350,000 | $ 87,500 | $ 65,000 |
| Amador, California | 3 | $ 660,000 | $ 220,000 | $ 43,000 |
| Del Norte, California | 3 | $ 447,000 | $ 149,000 | $ 86,000 |
| Lassen, California | 3 | $ 313,000 | $ 104,333 | $ 63,000 |
| Mariposa, California | 3 | $ 645,000 | $ 215,000 | $ 95,000 |
| Montrose, Colorado | 3 | $ 1,090,000 | $ 363,333 | $ 0 |
| Litchfield, Connecticut | 3 | $ 566,000 | $ 188,666 | $ 16,000 |
| Windham, Connecticut | 3 | $ 448,000 | $ 149,333 | $ 43,000 |
| Hendry, Florida | 3 | $ 612,000 | $ 204,000 | $ 126,000 |
| Nassau, Florida | 3 | $ 134,000 | $ 44,666 | $ 80,000 |
| Kootenai, Idaho | 3 | $ 507,000 | $ 169,000 | $ 78,000 |
| Woodbury, Iowa | 3 | $ 99,000 | $ 33,000 | $ 22,000 |
| Caroline, Maryland | 3 | $ 595,000 | $ 198,333 | $ 100,000 |
| Dorchester, Maryland | 3 | $ 191,000 | $ 63,666 | $ 55,000 |
| Barnstable, Massachusetts | 3 | $ 416,000 | $ 138,666 | $ 88,000 |
| Bristol, Massachusetts | 3 | $ 706,000 | $ 235,333 | $ 93,000 |
| Ottawa, Michigan | 3 | $ 620,000 | $ 206,666 | $ 127,000 |
| Ramsey, Minnesota | 3 | $ 348,000 | $ 116,000 | $ 94,000 |
| Santa Fe, New Mexico | 3 | $ 709,000 | $ 236,333 | $ 82,000 |
| Columbia, Oregon | 3 | $ 1,029,000 | $ 343,000 | $ 90,000 |
| Coos, Oregon | 3 | $ 343,000 | $ 114,333 | $ 57,000 |
| Comal, Texas | 3 | $ 293,000 | $ 97,666 | $ 157,000 |
| Hidalgo, Texas | 3 | $ 595,000 | $ 198,333 | $ 25,000 |
| Williamson, Texas | 3 | $ 383,000 | $ 127,666 | $ 79,000 |
| Bedford, Virginia | 3 | $ 472,000 | $ 157,333 | $ 54,000 |
| Chesterfield, Virginia | 3 | $ 443,000 | $ 147,666 | $ 86,000 |
| Frederick, Virginia | 3 | $ 698,000 | $ 232,666 | $ 79,000 |
| Isle of Wight, Virginia | 3 | $ 582,000 | $ 194,000 | $ 113,000 |
| Montgomery, Virginia | 3 | $ 814,000 | $ 271,333 | $ 80,000 |
| Norfolk, Virginia | 3 | $ 505,000 | $ 168,333 | $ 52,000 |
| Stafford, Virginia | 3 | $ 601,000 | $ 200,333 | $ 104,000 |
| Island, Washington | 3 | $ 288,000 | $ 96,000 | $ 57,000 |
| Lewis, Washington | 3 | $ 572,000 | $ 190,666 | $ 53,000 |
| Glenn, California | 2 | $ 161,000 | $ 80,500 | $ 78,000 |
| Marin, California | 2 | $ 760,000 | $ 380,000 | $ 140,000 |
| Conejos, Colorado | 2 | $ 290,000 | $ 145,000 | $ 121,000 |
| Fremont, Colorado | 2 | $ 79,000 | $ 39,500 | $ 52,000 |
| San Miguel, Colorado | 2 | $ 707,000 | $ 353,500 | $ 45,000 |
| Washington, Colorado | 2 | $ 233,000 | $ 116,500 | $ 626,000 |
| Franklin, Florida | 2 | $ 517,000 | $ 258,500 | $ 179,000 |
| Suwannee, Florida | 2 | $ 146,000 | $ 73,000 | $ 65,000 |
| Bibb, Georgia | 2 | $ 114,000 | $ 57,000 | $ 81,000 |
| Bonneville, Idaho | 2 | $ 191,000 | $ 95,500 | $ 79,000 |
| Elmore, Idaho | 2 | $ 140,000 | $ 70,000 | $ 300,000 |
| Gem, Idaho | 2 | $ 320,000 | $ 160,000 | $ 84,000 |
| Twin Falls, Idaho | 2 | $ 162,000 | $ 81,000 | $ 59,000 |
| Will, Illinois | 2 | $ 371,000 | $ 185,500 | $ 120,000 |
| Penobscot, Maine | 2 | $ 515,000 | $ 257,500 | $ 73,000 |
| Piscataquis, Maine | 2 | $ 1,485,000 | $ 742,500 | $ 403,000 |
| York, Maine | 2 | $ 532,000 | $ 266,000 | $ 166,000 |
| Kent, Maryland | 2 | $ 299,000 | $ 149,500 | $ 104,000 |
| Talbot, Maryland | 2 | $ 270,000 | $ 135,000 | $ 150,000 |
| Berkshire, Massachusetts | 2 | $ 304,000 | $ 152,000 | $ 62,000 |
| Dukes, Massachusetts | 2 | $ 627,000 | $ 313,500 | $ 300,000 |
| Franklin, Massachusetts | 2 | $ 669,000 | $ 334,500 | $ 125,000 |
| Berrien, Michigan | 2 | $ 315,000 | $ 157,500 | $ 300,000 |
| Cass, Michigan | 2 | $ 374,000 | $ 187,000 | $ 180,000 |
| Genesee, Michigan | 2 | $ 1,902,000 | $ 951,000 | $ 124,000 |
| Jackson, Michigan | 2 | $ 127,000 | $ 63,500 | $ 67,000 |
| Macomb, Michigan | 2 | $ 341,000 | $ 170,500 | $ 49,000 |
| Ogemaw, Michigan | 2 | $ 150,000 | $ 75,000 | $ 98,000 |
| Scott, Minnesota | 2 | $ 796,000 | $ 398,000 | $ 156,000 |
| Sherburne, Minnesota | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Washington, Minnesota | 2 | $ 433,000 | $ 216,500 | $ 264,000 |
| Winona, Minnesota | 2 | $ 195,000 | $ 97,500 | $ 83,000 |
| Wright, Minnesota | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| St. Charles, Missouri | 2 | $ 274,000 | $ 137,000 | $ 106,000 |
| Ravalli, Montana | 2 | $ 230,000 | $ 115,000 | $ 354,000 |
| Elko, Nevada | 2 | $ 64,000 | $ 32,000 | $ 86,000 |
| Rio Arriba, New Mexico | 2 | $ 34,000 | $ 17,000 | $ 97,000 |
| Roosevelt, New Mexico | 2 | $ 380,000 | $ 190,000 | $ 145,000 |
| San Juan, New Mexico | 2 | $ 152,000 | $ 76,000 | $ 57,000 |
| San Miguel, New Mexico | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Alamance, North Carolina | 2 | $ 466,000 | $ 233,000 | $ 112,000 |
| Brunswick, North Carolina | 2 | $ 924,000 | $ 462,000 | $ 600,000 |
| Durham, North Carolina | 2 | $ 166,000 | $ 83,000 | $ 40,000 |
| Gaston, North Carolina | 2 | $ 167,000 | $ 83,500 | $ 116,000 |
| Guilford, North Carolina | 2 | $ 60,000 | $ 30,000 | $ 47,000 |
| Sampson, North Carolina | 2 | $ 168,000 | $ 84,000 | $ 63,000 |
| Transylvania, North Carolina | 2 | $ 682,000 | $ 341,000 | $ 28,000 |
| Wilson, North Carolina | 2 | $ 194,000 | $ 97,000 | $ 94,000 |
| Lincoln, Oregon | 2 | $ 854,000 | $ 427,000 | $ 55,000 |
| Dorchester, South Carolina | 2 | $ 196,000 | $ 98,000 | $ 128,000 |
| Richland, South Carolina | 2 | $ 270,000 | $ 135,000 | $ 94,000 |
| Brazos, Texas | 2 | $ 208,000 | $ 104,000 | $ 342,000 |
| Fort Bend, Texas | 2 | $ 280,000 | $ 140,000 | $ 153,000 |
| Gregg, Texas | 2 | $ 164,000 | $ 82,000 | $ 0 |
| Summit, Utah | 2 | $ 573,000 | $ 286,500 | $ 353,000 |
| Tooele, Utah | 2 | $ 171,000 | $ 85,500 | $ 71,000 |
| Wasatch, Utah | 2 | $ 387,000 | $ 193,500 | $ 132,000 |
| Albemarle, Virginia | 2 | $ 2,000,000 | $ 1,000,000 | $ 226,000 |
| Alexandria, Virginia | 2 | $ 690,000 | $ 345,000 | $ 174,000 |
| Nelson, Virginia | 2 | $ 208,000 | $ 104,000 | $ 84,000 |
| Orange, Virginia | 2 | $ 310,000 | $ 155,000 | $ 77,000 |
| Pittsylvania, Virginia | 2 | $ 201,000 | $ 100,500 | $ 73,000 |
| Washington, Virginia | 2 | $ 154,000 | $ 77,000 | $ 63,000 |
| Clallam, Washington | 2 | $ 171,000 | $ 85,500 | $ 180,000 |
| Grant, Washington | 2 | $ 222,000 | $ 111,000 | $ 117,000 |
| Jefferson, Washington | 2 | $ 336,000 | $ 168,000 | $ 64,000 |
| Okanogan, Washington | 2 | $ 124,000 | $ 62,000 | $ 54,000 |
| Skagit, Washington | 2 | $ 115,000 | $ 57,500 | $ 69,000 |
| Graham, Arizona | 1 | $ 162,000 | $ 162,000 | $ 144,000 |
| La Paz, Arizona | 1 | $ 141,000 | $ 141,000 | $ 180,000 |
| Siskiyou, California | 1 | $ 172,000 | $ 172,000 | $ 126,000 |
| La Plata, Colorado | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Las Animas, Colorado | 1 | $ 30,000 | $ 30,000 | $ 48,000 |
| Otero, Colorado | 1 | $ 23,000 | $ 23,000 | $ 55,000 |
| Pueblo, Colorado | 1 | $ 31,000 | $ 31,000 | $ 55,000 |
| Rio Blanco, Colorado | 1 | $ 180,000 | $ 180,000 | $ 56,000 |
| Routt, Colorado | 1 | $ 75,000 | $ 75,000 | $ 180,000 |
| Middlesex, Connecticut | 1 | $ 408,000 | $ 408,000 | $ 174,000 |
| Baker, Florida | 1 | $ 42,000 | $ 42,000 | $ 59,000 |
| Columbia, Florida | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| DeSoto, Florida | 1 | $ 300,000 | $ 300,000 | $ 102,000 |
| Glades, Florida | 1 | $ 71,000 | $ 71,000 | $ 75,000 |
| Highlands, Florida | 1 | $ 72,000 | $ 72,000 | $ 79,000 |
| Holmes, Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Levy, Florida | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Okeechobee, Florida | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Putnam, Florida | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Sumter, Florida | 1 | $ 520,000 | $ 520,000 | $ 121,000 |
| Walton, Florida | 1 | $ 334,000 | $ 334,000 | $ 86,000 |
| Washington, Florida | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Benewah, Idaho | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Blaine, Idaho | 1 | $ 251,000 | $ 251,000 | $ 103,000 |
| Bonner, Idaho | 1 | $ 173,000 | $ 173,000 | $ 61,000 |
| Fremont, Idaho | 1 | $ 796,000 | $ 796,000 | $ 0 |
| Jefferson, Idaho | 1 | $ 167,000 | $ 167,000 | $ 78,000 |
| Jerome, Idaho | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Owyhee, Idaho | 1 | $ 64,000 | $ 64,000 | $ 53,000 |
| Valley, Idaho | 1 | $ 237,000 | $ 237,000 | $ 156,000 |
| Dallas, Iowa | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| Delaware, Iowa | 1 | $ 76,000 | $ 76,000 | $ 120,000 |
| Linn, Iowa | 1 | $ 127,000 | $ 127,000 | $ 144,000 |
| Aroostook, Maine | 1 | $ 96,000 | $ 96,000 | $ 71,000 |
| Cumberland, Maine | 1 | $ 345,000 | $ 345,000 | $ 132,000 |
| Franklin, Maine | 1 | $ 93,000 | $ 93,000 | $ 78,000 |
| Oxford, Maine | 1 | $ 144,000 | $ 144,000 | $ 47,000 |
| Waldo, Maine | 1 | $ 145,000 | $ 145,000 | $ 31,000 |
| Somerset, Maryland | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Hampshire, Massachusetts | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Nantucket, Massachusetts | 1 | $ 792,000 | $ 792,000 | $ 180,000 |
| Norfolk, Massachusetts | 1 | $ 281,000 | $ 281,000 | $ 86,000 |
| Branch, Michigan | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Clare, Michigan | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Gogebic, Michigan | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Lapeer, Michigan | 1 | $ 236,000 | $ 236,000 | $ 175,000 |
| Missaukee, Michigan | 1 | $ 94,000 | $ 94,000 | $ 47,000 |
| Otsego, Michigan | 1 | $ 161,000 | $ 161,000 | $ 48,000 |
| Tuscola, Michigan | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
| Washtenaw, Michigan | 1 | $ 158,000 | $ 158,000 | $ 37,000 |
| Becker, Minnesota | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| Chippewa, Minnesota | 1 | $ 88,000 | $ 88,000 | $ 78,000 |
| Chisago, Minnesota | 1 | $ 478,000 | $ 478,000 | $ 144,000 |
| Goodhue, Minnesota | 1 | $ 342,000 | $ 342,000 | $ 139,000 |
| Morrison, Minnesota | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Rock, Minnesota | 1 | $ 86,000 | $ 86,000 | $ 39,000 |
| Steele, Minnesota | 1 | $ 131,000 | $ 131,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 194,000 | $ 194,000 | $ 71,000 |
| St. Louis City, Missouri | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Mineral, Montana | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Powell, Montana | 1 | $ 115,000 | $ 115,000 | $ 131,000 |
| Yellowstone, Montana | 1 | $ 101,000 | $ 101,000 | $ 97,000 |
| White Pine, Nevada | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Chaves, New Mexico | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| De Baca, New Mexico | 1 | $ 117,000 | $ 117,000 | $ 156,000 |
| Hidalgo, New Mexico | 1 | $ 118,000 | $ 118,000 | $ 108,000 |
| Lea, New Mexico | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Lincoln, New Mexico | 1 | $ 381,000 | $ 381,000 | $ 114,000 |
| Bladen, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 324,000 |
| Buncombe, North Carolina | 1 | $ 137,000 | $ 137,000 | $ 50,000 |
| Caldwell, North Carolina | 1 | $ 151,000 | $ 151,000 | $ 78,000 |
| Davie, North Carolina | 1 | $ 117,000 | $ 117,000 | $ 39,000 |
| Henderson, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 258,000 |
| Cass, North Dakota | 1 | $ 89,000 | $ 89,000 | $ 28,000 |
| Hamilton, Ohio | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Van Wert, Ohio | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Canadian, Oklahoma | 1 | $ 71,000 | $ 71,000 | $ 62,000 |
| Benton, Oregon | 1 | $ 239,000 | $ 239,000 | $ 100,000 |
| Grant, Oregon | 1 | $ 40,000 | $ 40,000 | $ 88,000 |
| Klamath, Oregon | 1 | $ 56,000 | $ 56,000 | $ 78,000 |
| Tillamook, Oregon | 1 | $ 68,000 | $ 68,000 | $ 46,000 |
| Umatilla, Oregon | 1 | $ 36,000 | $ 36,000 | $ 60,000 |
| Union, Oregon | 1 | $ 64,000 | $ 64,000 | $ 73,000 |
| York, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Aiken, South Carolina | 1 | $ 198,000 | $ 198,000 | $ 85,000 |
| Berkeley, South Carolina | 1 | $ 226,000 | $ 226,000 | $ 138,000 |
| Georgetown, South Carolina | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Sumter, South Carolina | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| York, South Carolina | 1 | $ 252,000 | $ 252,000 | $ 108,000 |
| Bowie, Texas | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Brazoria, Texas | 1 | $ 50,000 | $ 50,000 | $ 138,000 |
| Hood, Texas | 1 | $ 169,000 | $ 169,000 | $ 288,000 |
| Johnson, Texas | 1 | $ 154,000 | $ 154,000 | $ 85,000 |
| Lubbock, Texas | 1 | $ 220,000 | $ 220,000 | $ 89,000 |
| Nueces, Texas | 1 | $ 112,000 | $ 112,000 | $ 120,000 |
| Smith, Texas | 1 | $ 271,000 | $ 271,000 | $ 88,000 |
| Uintah, Utah | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Arlington, Virginia | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Brunswick, Virginia | 1 | $ 207,000 | $ 207,000 | $ 162,000 |
| Charlottesville, Virginia | 1 | $ 214,000 | $ 214,000 | $ 64,000 |
| Chesapeake, Virginia | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Franklin, Virginia | 1 | $ 315,000 | $ 315,000 | $ 122,000 |
| Fredericksburg, Virginia | 1 | $ 501,000 | $ 501,000 | $ 168,000 |
| Greene, Virginia | 1 | $ 440,000 | $ 440,000 | $ 190,000 |
| Hampton, Virginia | 1 | $ 288,000 | $ 288,000 | $ 96,000 |
| Hanover, Virginia | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Henrico, Virginia | 1 | $ 240,000 | $ 240,000 | $ 90,000 |
| Henry, Virginia | 1 | $ 80,000 | $ 80,000 | $ 122,000 |
| Lynchburg, Virginia | 1 | $ 122,000 | $ 122,000 | $ 34,000 |
| Northumberland, Virginia | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Page, Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 354,000 | $ 354,000 | $ 132,000 |
| Southampton, Virginia | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Warren, Virginia | 1 | $ 157,000 | $ 157,000 | $ 47,000 |
| Wythe, Virginia | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| York, Virginia | 1 | $ 368,000 | $ 368,000 | $ 136,000 |
| Columbia, Washington | 1 | $ 126,000 | $ 126,000 | $ 53,000 |
| Douglas, Washington | 1 | $ 36,000 | $ 36,000 | $ 87,000 |
| Pacific, Washington | 1 | $ 126,000 | $ 126,000 | $ 49,000 |
| Stevens, Washington | 1 | $ 169,000 | $ 169,000 | $ 78,000 |
| Walla Walla, Washington | 1 | $ 62,000 | $ 62,000 | $ 48,000 |
| Berkeley, West Virginia | 1 | $ 280,000 | $ 280,000 | $ 102,000 |
| Jefferson, West Virginia | 1 | $ 110,000 | $ 110,000 | $ 131,000 |
| Lewis, West Virginia | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, LLC in 2006
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 | 9,215 | $2,369,368,000 | $257,000 | $2,880,000 | $113,000 | $2,220,000 |
| Home Purchase | 6,766 | $1,571,145,000 | $232,000 | $4,868,000 | $132,000 | $2,890,000 |
| Home Improvement | 3 | $336,000 | $112,000 | $135,000 | $215,000 | $539,000 |
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 | 7,059 | $1,728,591,000 | $244,000 | $4,868,000 | $132,000 | $2,890,000 |
| Hispanic | 5,318 | $1,287,515,000 | $242,000 | $3,410,000 | $99,000 | $1,508,000 |
| Black or African American | 1,182 | $268,997,000 | $227,000 | $2,000,000 | $129,000 | $2,400,000 |
| Not Provided | 1,161 | $286,200,000 | $246,000 | $2,057,000 | $133,000 | $1,200,000 |
| Asian | 975 | $297,929,000 | $305,000 | $1,610,000 | $136,000 | $2,400,000 |
| Native Hawaiian or Other Pacific Islander | 212 | $55,234,000 | $260,000 | $1,045,000 | $124,000 | $1,200,000 |
| American Indian or Alaskan Native | 77 | $16,383,000 | $212,000 | $625,000 | $93,000 | $295,000 |
| 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) | 15,880 | $3,917,924,000 | $246,000 | $4,868,000 | $121,000 | $2,890,000 |
| FHA-insured (Federal Housing Administration) | 77 | $15,349,000 | $199,000 | $368,000 | $64,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 27 | $7,576,000 | $280,000 | $385,000 | $67,000 | $110,000 |
| 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 | 6,664 | $1,592,795,000 | $239,000 | $1,950,000 | $110,000 | $2,890,000 |
| Application Approved But Not Accepted | 4,592 | $1,185,155,000 | $258,000 | $4,868,000 | $120,000 | $2,640,000 |
| Application Denied By Financial Institution | 3,190 | $779,067,000 | $244,000 | $2,600,000 | $132,000 | $2,220,000 |
| File Closed For Incompleteness | 1,039 | $275,146,000 | $264,000 | $2,880,000 | $161,000 | $2,400,000 |
| Application Withdrawn By Applicant | 499 | $108,686,000 | $217,000 | $1,384,000 | $108,000 | $1,386,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 1,126 | $290,495,000 | $257,000 | $2,600,000 | $123,000 | $900,000 |
| Other | 890 | $211,263,000 | $237,000 | $2,520,000 | $154,000 | $2,220,000 |
| Unverifiable Information | 371 | $84,733,000 | $228,000 | $1,502,000 | $121,000 | $750,000 |
| Collateral | 347 | $85,648,000 | $246,000 | $2,000,000 | $135,000 | $717,000 |
| Debt-To-Income Ratio | 188 | $43,730,000 | $232,000 | $833,000 | $117,000 | $379,000 |
| Employment History | 82 | $18,260,000 | $222,000 | $1,046,000 | $127,000 | $480,000 |
| Credit Application Incomplete | 63 | $12,925,000 | $205,000 | $650,000 | $117,000 | $282,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $10,049,000 | $264,000 | $1,173,000 | $142,000 | $976,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, LLC's 2006 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.
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