Stearns Lending, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Stearns Lending, Llc 2022 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 | 2,028 |
| Total Mortgage Loan Application Amount | $773,590,000 |
| Average Mortgage Loan Application Amount | $381,000 |
| Highest Mortgage Loan Application Amount | $2,235,000 |
| Average Applicant Income | $144,666 |
| Highest Applicant Income | $3,230,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 185 | $ 105,485,000 | $ 570,000 | $ 168,000 |
| Riverside County California | 96 | $ 34,050,000 | $ 354,000 | $ 107,000 |
| Maricopa County Arizona | 70 | $ 24,960,000 | $ 356,000 | $ 200,000 |
| Pima County Arizona | 70 | $ 15,150,000 | $ 216,000 | $ 86,000 |
| Orange County California | 64 | $ 40,390,000 | $ 631,000 | $ 193,000 |
| San Bernardino County California | 44 | $ 16,460,000 | $ 374,000 | $ 128,000 |
| Contra Costa County California | 43 | $ 19,555,000 | $ 454,000 | $ 146,000 |
| San Diego County California | 43 | $ 27,475,000 | $ 638,000 | $ 196,000 |
| Clark County Nevada | 37 | $ 10,835,000 | $ 292,000 | $ 131,000 |
| Alameda County California | 34 | $ 19,130,000 | $ 562,000 | $ 179,000 |
| Santa Clara County California | 34 | $ 24,970,000 | $ 734,000 | $ 214,000 |
| Salt Lake County Utah | 33 | $ 13,335,000 | $ 404,000 | $ 139,000 |
| Pinal County Arizona | 32 | $ 10,140,000 | $ 316,000 | $ 170,000 |
| Kern County California | 30 | $ 6,870,000 | $ 229,000 | $ 123,000 |
| Utah County Utah | 29 | $ 10,835,000 | $ 373,000 | $ 104,000 |
| Ventura County California | 25 | $ 12,995,000 | $ 519,000 | $ 156,000 |
| Yavapai County Arizona | 24 | $ 6,890,000 | $ 287,000 | $ 113,000 |
| Cook County Illinois | 23 | $ 7,365,000 | $ 320,000 | $ 126,000 |
| Sacramento County California | 22 | $ 9,120,000 | $ 414,000 | $ 170,000 |
| Harris County Texas | 22 | $ 5,200,000 | $ 236,000 | $ 121,000 |
| Mohave County Arizona | 18 | $ 5,070,000 | $ 281,000 | $ 112,000 |
| San Luis Obispo County California | 18 | $ 6,370,000 | $ 353,000 | $ 118,000 |
| Denton County Texas | 18 | $ 5,270,000 | $ 292,000 | $ 164,000 |
| San Mateo County California | 16 | $ 11,690,000 | $ 730,000 | $ 235,000 |
| Imperial County California | 15 | $ 2,005,000 | $ 133,000 | $ 125,000 |
| Fresno County California | 14 | $ 4,340,000 | $ 310,000 | $ 159,000 |
| Cache County Utah | 14 | $ 5,260,000 | $ 375,000 | $ 153,000 |
| Merced County California | 13 | $ 3,785,000 | $ 291,000 | $ 84,000 |
| Cobb County Georgia | 13 | $ 5,515,000 | $ 424,000 | $ 125,000 |
| Palm Beach County Florida | 12 | $ 3,750,000 | $ 312,000 | $ 141,000 |
| Tarrant County Texas | 12 | $ 2,210,000 | $ 184,000 | $ 253,000 |
| Monterey County California | 11 | $ 3,105,000 | $ 282,000 | $ 77,000 |
| San Francisco County California | 11 | $ 7,875,000 | $ 715,000 | $ 172,000 |
| San Joaquin County California | 11 | $ 4,195,000 | $ 381,000 | $ 206,000 |
| Miami-Dade County Florida | 11 | $ 2,745,000 | $ 249,000 | $ 116,000 |
| Gwinnett County Georgia | 11 | $ 3,055,000 | $ 277,000 | $ 166,000 |
| Bexar County Texas | 11 | $ 2,455,000 | $ 223,000 | $ 97,000 |
| King County Washington | 11 | $ 6,725,000 | $ 611,000 | $ 217,000 |
| Santa Barbara County California | 10 | $ 4,430,000 | $ 443,000 | $ 166,000 |
| Stanislaus County California | 10 | $ 3,150,000 | $ 315,000 | $ 109,000 |
| Summit County Utah | 10 | $ 4,910,000 | $ 491,000 | $ 495,000 |
| Solano County California | 9 | $ 3,915,000 | $ 435,000 | $ 131,000 |
| Multnomah County Oregon | 9 | $ 3,685,000 | $ 409,000 | $ 115,000 |
| Dallas County Texas | 9 | $ 3,465,000 | $ 385,000 | $ 166,000 |
| Spokane County Washington | 9 | $ 2,765,000 | $ 307,000 | $ 126,000 |
| DuPage County Illinois | 8 | $ 2,280,000 | $ 285,000 | $ 149,000 |
| Worcester County Massachusetts | 8 | $ 2,060,000 | $ 257,000 | $ 101,000 |
| Clackamas County Oregon | 8 | $ 3,890,000 | $ 486,000 | $ 213,000 |
| Davis County Utah | 8 | $ 3,590,000 | $ 448,000 | $ 103,000 |
| Weber County Utah | 8 | $ 2,880,000 | $ 360,000 | $ 67,000 |
| Sonoma County California | 7 | $ 3,665,000 | $ 523,000 | $ 141,000 |
| Denver County Colorado | 7 | $ 2,565,000 | $ 366,000 | $ 137,000 |
| El Paso County Colorado | 7 | $ 2,535,000 | $ 362,000 | $ 115,000 |
| Broward County Florida | 7 | $ 1,845,000 | $ 263,000 | $ 115,000 |
| Missoula County Montana | 7 | $ 2,995,000 | $ 427,000 | $ 124,000 |
| Lane County Oregon | 7 | $ 2,185,000 | $ 312,000 | $ 59,000 |
| Fort Bend County Texas | 7 | $ 2,535,000 | $ 362,000 | $ 225,000 |
| Madison County Alabama | 6 | $ 1,440,000 | $ 240,000 | $ 141,000 |
| Placer County California | 6 | $ 2,020,000 | $ 336,000 | $ 94,000 |
| Cherokee County Georgia | 6 | $ 2,240,000 | $ 373,000 | $ 125,000 |
| Will County Illinois | 6 | $ 2,120,000 | $ 353,000 | $ 146,000 |
| Bristol County Massachusetts | 6 | $ 1,720,000 | $ 286,000 | $ 92,000 |
| Middlesex County Massachusetts | 6 | $ 2,000,000 | $ 333,000 | $ 103,000 |
| Luzerne County Pennsylvania | 6 | $ 1,180,000 | $ 196,000 | $ 71,000 |
| Collin County Texas | 6 | $ 1,980,000 | $ 330,000 | $ 266,000 |
| Travis County Texas | 6 | $ 1,680,000 | $ 280,000 | $ 126,000 |
| Marin County California | 5 | $ 4,395,000 | $ 879,000 | $ 264,000 |
| Santa Cruz County California | 5 | $ 2,605,000 | $ 521,000 | $ 112,000 |
| Citrus County Florida | 5 | $ 895,000 | $ 179,000 | $ 168,000 |
| Hillsborough County Florida | 5 | $ 985,000 | $ 197,000 | $ 87,000 |
| Morgan County Georgia | 5 | $ 985,000 | $ 197,000 | $ 72,000 |
| Canyon County Idaho | 5 | $ 1,655,000 | $ 331,000 | $ 88,000 |
| Kootenai County Idaho | 5 | $ 1,645,000 | $ 329,000 | $ 90,000 |
| Lake County Illinois | 5 | $ 2,055,000 | $ 411,000 | $ 194,000 |
| Clark County Indiana | 5 | $ 1,075,000 | $ 215,000 | $ 72,000 |
| Hennepin County Minnesota | 5 | $ 1,655,000 | $ 331,000 | $ 189,000 |
| Umatilla County Oregon | 5 | $ 1,055,000 | $ 211,000 | $ 96,000 |
| Washington County Oregon | 5 | $ 1,725,000 | $ 345,000 | $ 97,000 |
| Philadelphia County Pennsylvania | 5 | $ 1,275,000 | $ 255,000 | $ 169,000 |
| Providence County Rhode Island | 5 | $ 1,345,000 | $ 269,000 | $ 134,000 |
| Tooele County Utah | 5 | $ 1,745,000 | $ 349,000 | $ 97,000 |
| Washington County Utah | 5 | $ 1,145,000 | $ 229,000 | $ 76,000 |
| Snohomish County Washington | 5 | $ 2,925,000 | $ 585,000 | $ 188,000 |
| Butte County California | 4 | $ 810,000 | $ 202,000 | $ 82,000 |
| Mono County California | 4 | $ 2,280,000 | $ 570,000 | $ 287,000 |
| Siskiyou County California | 4 | $ 410,000 | $ 102,000 | $ 106,000 |
| Tulare County California | 4 | $ 750,000 | $ 187,000 | $ 60,000 |
| Jefferson County Colorado | 4 | $ 1,590,000 | $ 397,000 | $ 86,000 |
| Lee County Florida | 4 | $ 1,310,000 | $ 327,000 | $ 130,000 |
| Effingham County Georgia | 4 | $ 860,000 | $ 215,000 | $ 149,000 |
| Jasper County Georgia | 4 | $ 1,260,000 | $ 315,000 | $ 174,000 |
| Honolulu County Hawaii | 4 | $ 2,930,000 | $ 732,000 | $ 178,000 |
| Essex County Massachusetts | 4 | $ 1,370,000 | $ 342,000 | $ 108,000 |
| Essex County New Jersey | 4 | $ 2,990,000 | $ 747,000 | $ 335,000 |
| Hudson County New Jersey | 4 | $ 2,390,000 | $ 597,000 | $ 175,000 |
| Jackson County Oregon | 4 | $ 1,120,000 | $ 280,000 | $ 73,000 |
| Klamath County Oregon | 4 | $ 930,000 | $ 232,000 | $ 137,000 |
| Lincoln County Oregon | 4 | $ 1,030,000 | $ 257,000 | $ 92,000 |
| Marion County Oregon | 4 | $ 1,950,000 | $ 487,000 | $ 135,000 |
| Berks County Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 43,000 |
| Brazoria County Texas | 4 | $ 840,000 | $ 210,000 | $ 129,000 |
| Dane County Wisconsin | 4 | $ 1,160,000 | $ 290,000 | $ 175,000 |
| Kings County California | 3 | $ 695,000 | $ 231,000 | $ 166,000 |
| Mendocino County California | 3 | $ 845,000 | $ 281,000 | $ 101,000 |
| Tehama County California | 3 | $ 445,000 | $ 148,000 | $ 89,000 |
| Yuba County California | 3 | $ 755,000 | $ 251,000 | $ 77,000 |
| Arapahoe County Colorado | 3 | $ 805,000 | $ 268,000 | $ 80,000 |
| Fairfield County Connecticut | 3 | $ 1,565,000 | $ 521,000 | $ 293,000 |
| Duval County Florida | 3 | $ 265,000 | $ 88,000 | $ 187,000 |
| Lake County Florida | 3 | $ 835,000 | $ 278,000 | $ 116,000 |
| Orange County Florida | 3 | $ 695,000 | $ 231,000 | $ 73,000 |
| Osceola County Florida | 3 | $ 865,000 | $ 288,000 | $ 161,000 |
| St. Lucie County Florida | 3 | $ 885,000 | $ 295,000 | $ 104,000 |
| Fulton County Georgia | 3 | $ 1,485,000 | $ 495,000 | $ 202,000 |
| Glynn County Georgia | 3 | $ 1,525,000 | $ 508,000 | $ 288,000 |
| Hall County Georgia | 3 | $ 1,045,000 | $ 348,000 | $ 71,000 |
| Lowndes County Georgia | 3 | $ 1,085,000 | $ 361,000 | $ 167,000 |
| Walton County Georgia | 3 | $ 755,000 | $ 251,000 | $ 74,000 |
| Hawaii County Hawaii | 3 | $ 1,395,000 | $ 465,000 | $ 89,000 |
| Maui County Hawaii | 3 | $ 1,975,000 | $ 658,000 | $ 166,000 |
| Franklin County Idaho | 3 | $ 925,000 | $ 308,000 | $ 59,000 |
| Marion County Indiana | 3 | $ 995,000 | $ 331,000 | $ 173,000 |
| Linn County Iowa | 3 | $ 225,000 | $ 75,000 | $ 80,000 |
| Jefferson County Kentucky | 3 | $ 875,000 | $ 291,000 | $ 162,000 |
| Lafayette County Louisiana | 3 | $ 315,000 | $ 105,000 | $ 161,000 |
| Baltimore County Maryland | 3 | $ 935,000 | $ 311,000 | $ 126,000 |
| Norfolk County Massachusetts | 3 | $ 1,085,000 | $ 361,000 | $ 100,000 |
| Wayne County Michigan | 3 | $ 505,000 | $ 168,000 | $ 132,000 |
| Ravalli County Montana | 3 | $ 1,405,000 | $ 468,000 | $ 163,000 |
| Sanders County Montana | 3 | $ 915,000 | $ 305,000 | $ 57,000 |
| Yellowstone County Montana | 3 | $ 685,000 | $ 228,000 | $ 100,000 |
| Hillsborough County New Hampshire | 3 | $ 905,000 | $ 301,000 | $ 79,000 |
| Bergen County New Jersey | 3 | $ 1,635,000 | $ 545,000 | $ 154,000 |
| Douglas County Oregon | 3 | $ 745,000 | $ 248,000 | $ 60,000 |
| Linn County Oregon | 3 | $ 875,000 | $ 291,000 | $ 64,000 |
| Allegheny County Pennsylvania | 3 | $ 545,000 | $ 181,000 | $ 85,000 |
| Bucks County Pennsylvania | 3 | $ 795,000 | $ 265,000 | $ 142,000 |
| Delaware County Pennsylvania | 3 | $ 525,000 | $ 175,000 | $ 124,000 |
| Grayson County Texas | 3 | $ 525,000 | $ 175,000 | $ 63,000 |
| Hays County Texas | 3 | $ 865,000 | $ 288,000 | $ 93,000 |
| Smith County Texas | 3 | $ 555,000 | $ 185,000 | $ 96,000 |
| Clark County Washington | 3 | $ 1,055,000 | $ 351,000 | $ 96,000 |
| Pierce County Washington | 3 | $ 1,495,000 | $ 498,000 | $ 130,000 |
| Coffee County Alabama | 2 | $ 250,000 | $ 125,000 | $ 50,000 |
| Santa Cruz County Arizona | 2 | $ 390,000 | $ 195,000 | $ 130,000 |
| Calaveras County California | 2 | $ 440,000 | $ 220,000 | $ 103,000 |
| Colusa County California | 2 | $ 330,000 | $ 165,000 | $ 95,000 |
| Madera County California | 2 | $ 420,000 | $ 210,000 | $ 108,000 |
| Mariposa County California | 2 | $ 610,000 | $ 305,000 | $ 172,000 |
| Tuolumne County California | 2 | $ 500,000 | $ 250,000 | $ 172,000 |
| Yolo County California | 2 | $ 670,000 | $ 335,000 | $ 92,000 |
| Adams County Colorado | 2 | $ 650,000 | $ 325,000 | $ 98,000 |
| Douglas County Colorado | 2 | $ 1,140,000 | $ 570,000 | $ 104,000 |
| New Haven County Connecticut | 2 | $ 270,000 | $ 135,000 | $ 109,000 |
| Clay County Florida | 2 | $ 430,000 | $ 215,000 | $ 139,000 |
| Escambia County Florida | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Gadsden County Florida | 2 | $ 250,000 | $ 125,000 | $ 59,000 |
| Gulf County Florida | 2 | $ 610,000 | $ 305,000 | $ 185,000 |
| Jackson County Florida | 2 | $ 430,000 | $ 215,000 | $ 96,000 |
| Marion County Florida | 2 | $ 530,000 | $ 265,000 | $ 97,000 |
| Pasco County Florida | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Pinellas County Florida | 2 | $ 690,000 | $ 345,000 | $ 130,000 |
| Santa Rosa County Florida | 2 | $ 1,140,000 | $ 570,000 | $ 135,000 |
| Bibb County Georgia | 2 | $ 260,000 | $ 130,000 | $ 119,000 |
| Chatham County Georgia | 2 | $ 900,000 | $ 450,000 | $ 101,000 |
| Clayton County Georgia | 2 | $ 310,000 | $ 155,000 | $ 140,000 |
| Coweta County Georgia | 2 | $ 380,000 | $ 190,000 | $ 61,000 |
| Forsyth County Georgia | 2 | $ 1,290,000 | $ 645,000 | $ 2,145,000 |
| Henry County Georgia | 2 | $ 540,000 | $ 270,000 | $ 90,000 |
| Murray County Georgia | 2 | $ 210,000 | $ 105,000 | $ 35,000 |
| Newton County Georgia | 2 | $ 460,000 | $ 230,000 | $ 84,000 |
| Putnam County Georgia | 2 | $ 750,000 | $ 375,000 | $ 200,000 |
| Richmond County Georgia | 2 | $ 160,000 | $ 80,000 | $ 167,000 |
| Ada County Idaho | 2 | $ 700,000 | $ 350,000 | $ 58,000 |
| Bonner County Idaho | 2 | $ 730,000 | $ 365,000 | $ 76,000 |
| Latah County Idaho | 2 | $ 390,000 | $ 195,000 | $ 127,000 |
| Floyd County Indiana | 2 | $ 460,000 | $ 230,000 | $ 66,000 |
| Dallas County Iowa | 2 | $ 480,000 | $ 240,000 | $ 76,000 |
| Polk County Iowa | 2 | $ 400,000 | $ 200,000 | $ 113,000 |
| Fayette County Kentucky | 2 | $ 1,020,000 | $ 510,000 | $ 136,000 |
| Knott County Kentucky | 2 | $ 340,000 | $ 170,000 | $ 39,000 |
| Aroostook County Maine | 2 | $ 150,000 | $ 75,000 | $ 26,000 |
| Harford County Maryland | 2 | $ 870,000 | $ 435,000 | $ 166,000 |
| Montgomery County Maryland | 2 | $ 520,000 | $ 260,000 | $ 125,000 |
| Hampden County Massachusetts | 2 | $ 460,000 | $ 230,000 | $ 114,000 |
| Plymouth County Massachusetts | 2 | $ 840,000 | $ 420,000 | $ 166,000 |
| Muskegon County Michigan | 2 | $ 230,000 | $ 115,000 | $ 54,000 |
| Dakota County Minnesota | 2 | $ 350,000 | $ 175,000 | $ 55,000 |
| Washington County Minnesota | 2 | $ 690,000 | $ 345,000 | $ 108,000 |
| Washoe County Nevada | 2 | $ 2,410,000 | $ 1,205,000 | $ 1,043,000 |
| Morris County New Jersey | 2 | $ 1,270,000 | $ 635,000 | $ 187,000 |
| Ocean County New Jersey | 2 | $ 760,000 | $ 380,000 | $ 141,000 |
| Taos County New Mexico | 2 | $ 680,000 | $ 340,000 | $ 86,000 |
| Van Wert County Ohio | 2 | $ 180,000 | $ 90,000 | $ 43,000 |
| Canadian County Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 138,000 |
| Coos County Oregon | 2 | $ 560,000 | $ 280,000 | $ 56,000 |
| Tillamook County Oregon | 2 | $ 390,000 | $ 195,000 | $ 79,000 |
| Carbon County Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 38,000 |
| Centre County Pennsylvania | 2 | $ 720,000 | $ 360,000 | $ 215,000 |
| Clinton County Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 51,000 |
| Lehigh County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 79,000 |
| Lycoming County Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 32,000 |
| Montgomery County Pennsylvania | 2 | $ 610,000 | $ 305,000 | $ 145,000 |
| Bristol County Rhode Island | 2 | $ 530,000 | $ 265,000 | $ 121,000 |
| Newport County Rhode Island | 2 | $ 930,000 | $ 465,000 | $ 142,000 |
| Shelby County Tennessee | 2 | $ 340,000 | $ 170,000 | $ 59,000 |
| Cooke County Texas | 2 | $ 510,000 | $ 255,000 | $ 95,000 |
| Ellis County Texas | 2 | $ 810,000 | $ 405,000 | $ 109,000 |
| Montgomery County Texas | 2 | $ 1,020,000 | $ 510,000 | $ 179,000 |
| Rusk County Texas | 2 | $ 400,000 | $ 200,000 | $ 90,000 |
| Upshur County Texas | 2 | $ 470,000 | $ 235,000 | $ 843,000 |
| Williamson County Texas | 2 | $ 690,000 | $ 345,000 | $ 241,000 |
| Box Elder County Utah | 2 | $ 520,000 | $ 260,000 | $ 81,000 |
| Wasatch County Utah | 2 | $ 2,840,000 | $ 1,420,000 | $ 484,000 |
| Yakima County Washington | 2 | $ 450,000 | $ 225,000 | $ 81,000 |
| Marion County West Virginia | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| Walworth County Wisconsin | 2 | $ 970,000 | $ 485,000 | $ 267,000 |
| Hale County Alabama | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Houston County Alabama | 1 | $ 385,000 | $ 385,000 | $ 175,000 |
| Jefferson County Alabama | 1 | $ 295,000 | $ 295,000 | $ 125,000 |
| Marengo County Alabama | 1 | $ 315,000 | $ 315,000 | $ 74,000 |
| Montgomery County Alabama | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Morgan County Alabama | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Shelby County Alabama | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Bethel County Alaska | 1 | $ 395,000 | $ 395,000 | $ 225,000 |
| Coconino County Arizona | 1 | $ 355,000 | $ 355,000 | $ 398,000 |
| Amador County California | 1 | $ 345,000 | $ 345,000 | $ 143,000 |
| El Dorado County California | 1 | $ 505,000 | $ 505,000 | $ 134,000 |
| Humboldt County California | 1 | $ 505,000 | $ 505,000 | $ 51,000 |
| Lake County California | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Shasta County California | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Sutter County California | 1 | $ 105,000 | $ 105,000 | $ 18,000 |
| Boulder County Colorado | 1 | $ 1,445,000 | $ 1,445,000 | $ 422,000 |
| Delta County Colorado | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Grand County Colorado | 1 | $ 515,000 | $ 515,000 | $ 150,000 |
| Larimer County Colorado | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Mesa County Colorado | 1 | $ 475,000 | $ 475,000 | $ 67,000 |
| Teller County Colorado | 1 | $ 165,000 | $ 165,000 | $ 28,000 |
| Litchfield County Connecticut | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Middlesex County Connecticut | 1 | $ 1,265,000 | $ 1,265,000 | $ 540,000 |
| New Castle County Delaware | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Alachua County Florida | 1 | $ 135,000 | $ 135,000 | $ 160,000 |
| Brevard County Florida | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Collier County Florida | 1 | $ 545,000 | $ 545,000 | $ 174,000 |
| Franklin County Florida | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Highlands County Florida | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Indian River County Florida | 1 | $ 545,000 | $ 545,000 | $ 375,000 |
| Leon County Florida | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Manatee County Florida | 1 | $ 335,000 | $ 335,000 | $ 77,000 |
| Martin County Florida | 1 | $ 435,000 | $ 435,000 | $ 241,000 |
| Monroe County Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 405,000 |
| Polk County Florida | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Sarasota County Florida | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| St. Johns County Florida | 1 | $ 495,000 | $ 495,000 | $ 187,000 |
| Walton County Florida | 1 | $ 225,000 | $ 225,000 | $ 187,000 |
| Appling County Georgia | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Barrow County Georgia | 1 | $ 645,000 | $ 645,000 | $ 287,000 |
| Bryan County Georgia | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Bulloch County Georgia | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| DeKalb County Georgia | 1 | $ 455,000 | $ 455,000 | $ 171,000 |
| Douglas County Georgia | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Harris County Georgia | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Lamar County Georgia | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Lee County Georgia | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Madison County Georgia | 1 | $ 235,000 | $ 235,000 | $ 151,000 |
| Miller County Georgia | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Pickens County Georgia | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Pike County Georgia | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Seminole County Georgia | 1 | $ 215,000 | $ 215,000 | $ 127,000 |
| Upson County Georgia | 1 | $ 195,000 | $ 195,000 | $ 69,000 |
| Whitfield County Georgia | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Kauai County Hawaii | 1 | $ 685,000 | $ 685,000 | $ 249,000 |
| Bannock County Idaho | 1 | $ 345,000 | $ 345,000 | $ 66,000 |
| Gooding County Idaho | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Jefferson County Idaho | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Twin Falls County Idaho | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| McHenry County Illinois | 1 | $ 325,000 | $ 325,000 | $ 292,000 |
| McLean County Illinois | 1 | $ 145,000 | $ 145,000 | $ 120,000 |
| Morgan County Illinois | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| DeKalb County Indiana | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Hamilton County Indiana | 1 | $ 635,000 | $ 635,000 | $ 132,000 |
| Harrison County Indiana | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Hendricks County Indiana | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Jackson County Indiana | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Madison County Indiana | 1 | $ 295,000 | $ 295,000 | $ 224,000 |
| Scott County Indiana | 1 | $ 195,000 | $ 195,000 | $ 67,000 |
| Warrick County Indiana | 1 | $ 225,000 | $ 225,000 | $ 40,000 |
| Washington County Indiana | 1 | $ 145,000 | $ 145,000 | $ 39,000 |
| Crawford County Iowa | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Butler County Kansas | 1 | $ 315,000 | $ 315,000 | $ 136,000 |
| Hopkins County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| Calcasieu County Louisiana | 1 | $ 365,000 | $ 365,000 | $ 149,000 |
| Ouachita County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| St. Landry County Louisiana | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| St. Tammany County Louisiana | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Cumberland County Maine | 1 | $ 425,000 | $ 425,000 | $ 93,000 |
| Penobscot County Maine | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Cecil County Maryland | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| Frederick County Maryland | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Prince George's County Maryland | 1 | $ 635,000 | $ 635,000 | $ 156,000 |
| Barnstable County Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 83,000 |
| Suffolk County Massachusetts | 1 | $ 755,000 | $ 755,000 | $ 187,000 |
| Livingston County Michigan | 1 | $ 265,000 | $ 265,000 | $ 323,000 |
| Anoka County Minnesota | 1 | $ 525,000 | $ 525,000 | $ 182,000 |
| Carver County Minnesota | 1 | $ 535,000 | $ 535,000 | $ 158,000 |
| Faribault County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Isanti County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Scott County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 144,000 |
| Sherburne County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 96,000 |
| St. Louis County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Lee County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Tippah County Mississippi | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Camden County Missouri | 1 | $ 315,000 | $ 315,000 | $ 112,000 |
| Clay County Missouri | 1 | $ 495,000 | $ 495,000 | $ 282,000 |
| Jackson County Missouri | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Laclede County Missouri | 1 | $ 375,000 | $ 375,000 | $ 118,000 |
| Lawrence County Missouri | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| St. Charles County Missouri | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| Carbon County Montana | 1 | $ 325,000 | $ 325,000 | $ 48,000 |
| Deer Lodge County Montana | 1 | $ 435,000 | $ 435,000 | $ 93,000 |
| Park County Montana | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Teton County Montana | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Sarpy County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Cheshire County New Hampshire | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Atlantic County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 220,000 |
| Burlington County New Jersey | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Hunterdon County New Jersey | 1 | $ 355,000 | $ 355,000 | $ 146,000 |
| Mercer County New Jersey | 1 | $ 345,000 | $ 345,000 | $ 107,000 |
| Union County New Jersey | 1 | $ 645,000 | $ 645,000 | $ 225,000 |
| Bernalillo County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Eddy County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Sandoval County New Mexico | 1 | $ 335,000 | $ 335,000 | $ 67,000 |
| Brunswick County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 259,000 |
| Cumberland County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Durham County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 137,000 |
| Franklin County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 143,000 |
| Johnston County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 45,000 |
| Lee County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| Mecklenburg County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 149,000 |
| New Hanover County North Carolina | 1 | $ 865,000 | $ 865,000 | $ 696,000 |
| Union County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 94,000 |
| Wake County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Watauga County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 138,000 |
| Auglaize County Ohio | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Clark County Ohio | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Columbiana County Ohio | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Defiance County Ohio | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Franklin County Ohio | 1 | $ 275,000 | $ 275,000 | $ 157,000 |
| Hamilton County Ohio | 1 | $ 325,000 | $ 325,000 | $ 137,000 |
| Lorain County Ohio | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Lucas County Ohio | 1 | $ 205,000 | $ 205,000 | $ 99,000 |
| Muskingum County Ohio | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Creek County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Pontotoc County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Clatsop County Oregon | 1 | $ 325,000 | $ 325,000 | $ 82,000 |
| Deschutes County Oregon | 1 | $ 435,000 | $ 435,000 | $ 180,000 |
| Polk County Oregon | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| Adams County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Columbia County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Lancaster County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Northampton County Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 93,000 |
| Sullivan County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 137,000 |
| Washington County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Aiken County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 169,000 |
| Anderson County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Charleston County South Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 288,000 |
| Greenville County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Lexington County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 138,000 |
| Richland County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| York County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Custer County South Dakota | 1 | $ 275,000 | $ 275,000 | $ 43,000 |
| Rutherford County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 103,000 |
| Sevier County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Sullivan County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Williamson County Tennessee | 1 | $ 1,495,000 | $ 1,495,000 | $ 660,000 |
| Bastrop County Texas | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Bell County Texas | 1 | $ 365,000 | $ 365,000 | $ 89,000 |
| Cameron County Texas | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| Comal County Texas | 1 | $ 275,000 | $ 275,000 | $ 166,000 |
| Coryell County Texas | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
| El Paso County Texas | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Fannin County Texas | 1 | $ 155,000 | $ 155,000 | $ 155,000 |
| Guadalupe County Texas | 1 | $ 235,000 | $ 235,000 | $ 145,000 |
| Hidalgo County Texas | 1 | $ 75,000 | $ 75,000 | $ 172,000 |
| Karnes County Texas | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Kendall County Texas | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| McLennan County Texas | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| Midland County Texas | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Somervell County Texas | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Taylor County Texas | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Tom Green County Texas | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Waller County Texas | 1 | $ 135,000 | $ 135,000 | $ 150,000 |
| Iron County Utah | 1 | $ 365,000 | $ 365,000 | $ 50,000 |
| Sanpete County Utah | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Fairfax County Virginia | 1 | $ 1,165,000 | $ 1,165,000 | $ 546,000 |
| Lynchburg County Virginia | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Orange County Virginia | 1 | $ 395,000 | $ 395,000 | $ 84,000 |
| Shenandoah County Virginia | 1 | $ 515,000 | $ 515,000 | $ 219,000 |
| Virginia Beach County Virginia | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Jefferson County Washington | 1 | $ 575,000 | $ 575,000 | $ 175,000 |
| Brown County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Douglas County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Kewaunee County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, Llc in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 776 | $293,160,000 | $377,000 | $2,005,000 | $151,000 | $2,024,000 |
| Cash-out Refinancing | 721 | $277,435,000 | $384,000 | $2,005,000 | $135,000 | $3,230,000 |
| Refinancing | 531 | $202,995,000 | $382,000 | $2,235,000 | $148,000 | $1,612,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,031 | $377,825,000 | $366,000 | $2,235,000 | $142,000 | $3,230,000 |
| Hispanic | 323 | $106,245,000 | $328,000 | $2,005,000 | $104,000 | $1,390,000 |
| Not Provided | 318 | $136,340,000 | $428,000 | $1,495,000 | $163,000 | $2,145,000 |
| Asian | 238 | $113,350,000 | $476,000 | $1,565,000 | $189,000 | $707,000 |
| Black or African American | 95 | $31,375,000 | $330,000 | $1,165,000 | $125,000 | $696,000 |
| Not applicable | 6 | $1,920,000 | $320,000 | $565,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,875,000 | $575,000 | $715,000 | $175,000 | $263,000 |
| American Indian or Alaskan Native | 4 | $1,230,000 | $307,000 | $705,000 | $125,000 | $179,000 |
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) | 1,854 | $720,190,000 | $388,000 | $2,235,000 | $150,000 | $3,230,000 |
| FHA-insured (Federal Housing Administration) | 125 | $35,865,000 | $286,000 | $835,000 | $72,000 | $343,000 |
| VA-guaranteed (Veterans Administration) | 38 | $14,830,000 | $390,000 | $1,855,000 | $105,000 | $307,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $2,705,000 | $245,000 | $435,000 | $60,000 | $93,000 |
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 | 1,273 | $478,005,000 | $375,000 | $2,235,000 | $140,000 | $2,145,000 |
| Application Withdrawn By Applicant | 441 | $180,535,000 | $409,000 | $2,005,000 | $147,000 | $2,024,000 |
| Application Denied By Financial Institution | 234 | $87,470,000 | $373,000 | $2,005,000 | $158,000 | $3,230,000 |
| Application Approved But Not Accepted | 56 | $20,830,000 | $371,000 | $1,345,000 | $158,000 | $862,000 |
| File Closed For Incompleteness | 18 | $4,830,000 | $268,000 | $855,000 | $157,000 | $398,000 |
| Loan Purchased By The Institution | 6 | $1,920,000 | $320,000 | $565,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,794 | $686,120,000 | $382,000 | $2,235,000 | $143,000 | $2,145,000 |
| Unverifiable Information | 118 | $48,230,000 | $408,000 | $2,005,000 | $206,000 | $3,230,000 |
| Credit Application Incomplete | 37 | $12,895,000 | $348,000 | $1,715,000 | $121,000 | $403,000 |
| Collateral | 31 | $7,985,000 | $257,000 | $645,000 | $132,000 | $464,000 |
| Debt-To-Income Ratio | 26 | $10,450,000 | $401,000 | $1,165,000 | $78,000 | $261,000 |
| Credit History | 8 | $2,300,000 | $287,000 | $615,000 | $90,000 | $198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $3,440,000 | $430,000 | $1,505,000 | $109,000 | $372,000 |
| Employment History | 4 | $1,520,000 | $380,000 | $725,000 | $80,000 | $152,000 |
| Other | 2 | $650,000 | $325,000 | $405,000 | $124,000 | $188,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, Llc's 2022 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.