Stearns Lending, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Stearns Lending, Llc 2009 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 | 38,815 |
| Total Mortgage Loan Application Amount | $9,691,716,000 |
| Average Mortgage Loan Application Amount | $241,666 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $9,544,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 4,847 | $ 1,415,909,000 | $ 292,000 | $ 93,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 3,471 | $ 702,177,000 | $ 202,000 | $ 75,000 |
| SALT LAKE CITY, UT | 2,522 | $ 553,623,000 | $ 219,000 | $ 67,000 |
| SANTA ROSA-PETALUMA, CA | 2,036 | $ 595,579,000 | $ 292,000 | $ 105,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 1,881 | $ 633,360,000 | $ 336,000 | $ 116,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 1,850 | $ 413,871,000 | $ 223,000 | $ 84,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 1,818 | $ 545,497,000 | $ 300,000 | $ 102,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 1,647 | $ 588,129,000 | $ 357,000 | $ 125,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1,213 | $ 227,491,000 | $ 187,000 | $ 73,000 |
| OGDEN-CLEARFIELD, UT | 1,199 | $ 237,264,000 | $ 197,000 | $ 58,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 1,125 | $ 349,019,000 | $ 310,000 | $ 109,000 |
| MODESTO, CA | 1,007 | $ 157,563,000 | $ 156,000 | $ 62,000 |
| PROVO-OREM, UT | 941 | $ 204,831,000 | $ 217,000 | $ 64,000 |
| STOCKTON, CA | 918 | $ 169,373,000 | $ 184,000 | $ 65,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 829 | $ 340,973,000 | $ 411,000 | $ 141,000 |
| DENVER-AURORA-BROOMFIELD, CO | 653 | $ 135,166,000 | $ 206,000 | $ 67,000 |
| SALINAS, CA | 419 | $ 102,171,000 | $ 243,000 | $ 88,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 416 | $ 135,190,000 | $ 324,000 | $ 113,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 398 | $ 88,775,000 | $ 216,500 | $ 65,000 |
| FRESNO, CA | 359 | $ 59,540,000 | $ 165,000 | $ 61,000 |
| TUCSON, AZ | 322 | $ 58,107,000 | $ 180,000 | $ 66,000 |
| EDISON-NEW BRUNSWICK, NJ | 313 | $ 83,653,000 | $ 267,000 | $ 88,000 |
| NEWARK-UNION, NJ-PA | 280 | $ 80,511,000 | $ 268,000 | $ 86,500 |
| BAKERSFIELD, CA | 276 | $ 50,490,000 | $ 182,000 | $ 71,000 |
| VALLEJO-FAIRFIELD, CA | 275 | $ 61,118,000 | $ 222,000 | $ 79,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 270 | $ 55,023,000 | $ 203,000 | $ 66,000 |
| LAS VEGAS-PARADISE, NV | 266 | $ 48,358,000 | $ 181,000 | $ 60,000 |
| BOISE CITY-NAMPA, ID | 235 | $ 39,862,000 | $ 169,000 | $ 50,000 |
| BALTIMORE-TOWSON, MD | 216 | $ 50,600,000 | $ 234,000 | $ 68,000 |
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 204 | $ 64,937,000 | $ 318,000 | $ 90,000 |
| SANTA CRUZ-WATSONVILLE, CA | 204 | $ 74,049,000 | $ 362,000 | $ 129,000 |
| ALBUQUERQUE, NM | 197 | $ 36,650,000 | $ 186,000 | $ 62,000 |
| MERCED, CA | 180 | $ 24,988,000 | $ 138,000 | $ 56,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 161 | $ 27,256,000 | $ 169,000 | $ 64,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 138 | $ 43,811,000 | $ 317,000 | $ 89,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 134 | $ 37,226,000 | $ 277,000 | $ 85,000 |
| REDDING, CA | 131 | $ 28,104,000 | $ 214,000 | $ 70,000 |
| COLORADO SPRINGS, CO | 119 | $ 26,668,000 | $ 224,000 | $ 56,000 |
| MADERA-CHOWCHILLA, CA | 117 | $ 18,571,000 | $ 158,000 | $ 83,000 |
| SPOKANE, WA | 112 | $ 18,316,000 | $ 163,000 | $ 55,000 |
| NAPA, CA | 111 | $ 40,599,000 | $ 365,000 | $ 114,000 |
| ST. GEORGE, UT | 111 | $ 22,453,000 | $ 202,000 | $ 92,000 |
| EUGENE-SPRINGFIELD, OR | 99 | $ 19,082,000 | $ 192,000 | $ 62,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 96 | $ 21,635,000 | $ 225,000 | $ 57,000 |
| LOGAN, UT-ID | 90 | $ 15,990,000 | $ 177,000 | $ 55,500 |
| CHICO, CA | 81 | $ 18,040,000 | $ 222,000 | $ 83,000 |
| VISALIA-PORTERVILLE, CA | 80 | $ 13,405,000 | $ 167,000 | $ 61,000 |
| TACOMA, WA | 79 | $ 20,462,000 | $ 259,000 | $ 78,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 74 | $ 15,157,000 | $ 204,000 | $ 79,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 74 | $ 24,046,000 | $ 324,000 | $ 107,000 |
| YUBA CITY, CA | 74 | $ 14,350,000 | $ 193,000 | $ 50,000 |
| SALEM, OR | 73 | $ 14,458,000 | $ 198,000 | $ 62,000 |
| GREELEY, CO | 72 | $ 14,201,000 | $ 197,000 | $ 63,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 71 | $ 24,741,000 | $ 348,000 | $ 146,000 |
| BETHESDA-FREDERICK-ROCKVILLE, MD | 70 | $ 21,926,000 | $ 313,000 | $ 108,000 |
| CAMDEN, NJ | 70 | $ 14,632,000 | $ 209,000 | $ 66,000 |
| ORLANDO-KISSIMMEE, FL | 67 | $ 12,155,000 | $ 181,000 | $ 70,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 58 | $ 11,654,000 | $ 200,000 | $ 72,000 |
| BEND, OR | 55 | $ 10,772,000 | $ 195,000 | $ 63,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 53 | $ 11,729,000 | $ 221,000 | $ 84,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 50 | $ 8,800,000 | $ 176,000 | $ 74,000 |
| FORT COLLINS-LOVELAND, CO | 46 | $ 10,102,000 | $ 219,000 | $ 72,000 |
| BOULDER, CO | 45 | $ 10,824,000 | $ 240,000 | $ 107,000 |
| IDAHO FALLS, ID | 44 | $ 7,195,000 | $ 163,000 | $ 50,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 43 | $ 10,996,000 | $ 255,000 | $ 77,000 |
| HONOLULU, HI | 42 | $ 16,819,000 | $ 400,000 | $ 96,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 41 | $ 8,884,000 | $ 216,000 | $ 70,000 |
| RENO-SPARKS, NV | 41 | $ 9,375,000 | $ 228,000 | $ 95,000 |
| POCATELLO, ID | 40 | $ 5,685,000 | $ 142,000 | $ 45,000 |
| PRESCOTT, AZ | 38 | $ 7,515,000 | $ 197,000 | $ 79,000 |
| HANFORD-CORCORAN, CA | 36 | $ 6,457,000 | $ 179,000 | $ 70,000 |
| JACKSONVILLE, FL | 33 | $ 6,240,000 | $ 189,000 | $ 56,000 |
| GRAND JUNCTION, CO | 32 | $ 7,086,000 | $ 221,000 | $ 73,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 32 | $ 7,971,000 | $ 249,000 | $ 54,000 |
| SANTA FE, NM | 32 | $ 6,920,000 | $ 216,000 | $ 65,000 |
| BOSTON-QUINCY, MA | 29 | $ 6,907,000 | $ 238,000 | $ 62,000 |
| EL CENTRO, CA | 29 | $ 4,028,000 | $ 138,000 | $ 57,000 |
| ROCKFORD, IL | 29 | $ 3,998,000 | $ 137,000 | $ 60,000 |
| RICHMOND, VA | 27 | $ 5,097,000 | $ 188,000 | $ 55,000 |
| OLYMPIA, WA | 26 | $ 5,848,000 | $ 224,000 | $ 46,000 |
| BRADENTON-SARASOTA-VENICE, FL | 24 | $ 4,269,000 | $ 177,000 | $ 68,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 24 | $ 7,095,000 | $ 295,000 | $ 107,000 |
| PORT ST. LUCIE, FL | 24 | $ 5,108,000 | $ 212,000 | $ 85,000 |
| TRENTON-EWING, NJ | 24 | $ 5,469,000 | $ 227,000 | $ 50,000 |
| LAS CRUCES, NM | 23 | $ 4,334,000 | $ 188,000 | $ 66,000 |
| CAPE CORAL-FORT MYERS, FL | 22 | $ 3,594,000 | $ 163,000 | $ 76,000 |
| YUMA, AZ | 22 | $ 3,920,000 | $ 178,000 | $ 51,000 |
| KENNEWICK-PASCO-RICHLAND, WA | 20 | $ 3,038,000 | $ 151,000 | $ 52,000 |
| COEUR D'ALENE, ID | 19 | $ 4,288,000 | $ 225,000 | $ 76,000 |
| FLAGSTAFF, AZ | 19 | $ 4,702,000 | $ 247,000 | $ 164,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 19 | $ 3,029,000 | $ 159,000 | $ 52,000 |
| LAKELAND-WINTER HAVEN, FL | 19 | $ 2,536,000 | $ 133,000 | $ 45,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 18 | $ 4,315,000 | $ 215,500 | $ 85,500 |
| BREMERTON-SILVERDALE, WA | 18 | $ 3,818,000 | $ 212,000 | $ 54,000 |
| MEDFORD, OR | 18 | $ 4,954,000 | $ 275,000 | $ 112,000 |
| PUEBLO, CO | 18 | $ 2,315,000 | $ 128,000 | $ 40,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 17 | $ 3,709,000 | $ 218,000 | $ 91,000 |
| NEW HAVEN-MILFORD, CT | 17 | $ 3,632,000 | $ 213,000 | $ 54,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 17 | $ 2,797,000 | $ 164,000 | $ 58,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 15 | $ 4,121,000 | $ 274,000 | $ 64,000 |
| BARNSTABLE TOWN, MA | 14 | $ 3,797,000 | $ 271,000 | $ 70,000 |
| PEABODY, MA | 14 | $ 3,138,000 | $ 224,000 | $ 61,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 13 | $ 1,779,000 | $ 145,500 | $ 83,500 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 13 | $ 2,226,000 | $ 171,000 | $ 89,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 12 | $ 3,111,000 | $ 259,000 | $ 99,000 |
| DALLAS-PLANO-IRVING, TX | 12 | $ 3,195,000 | $ 266,000 | $ 316,000 |
| PHILADELPHIA, PA | 12 | $ 2,244,000 | $ 187,000 | $ 78,000 |
| WENATCHEE-EAST WENATCHEE, WA | 12 | $ 2,506,000 | $ 208,000 | $ 63,000 |
| LONGVIEW, WA | 11 | $ 1,918,000 | $ 174,000 | $ 52,000 |
| PALM COAST, FL | 11 | $ 1,721,000 | $ 156,000 | $ 52,000 |
| CORVALLIS, OR | 10 | $ 1,786,000 | $ 178,000 | $ 49,000 |
| BELLINGHAM, WA | 9 | $ 2,489,000 | $ 276,000 | $ 64,000 |
| MACON, GA | 9 | $ 1,577,000 | $ 175,000 | $ 72,000 |
| OCALA, FL | 9 | $ 1,353,000 | $ 150,000 | $ 28,000 |
| WORCESTER, MA | 9 | $ 1,808,000 | $ 200,000 | $ 86,000 |
| AUSTIN-ROUND ROCK, TX | 8 | $ 1,746,000 | $ 218,000 | $ 42,000 |
| MOUNT VERNON-ANACORTES, WA | 8 | $ 2,079,000 | $ 259,000 | $ 66,000 |
| OCEAN CITY, NJ | 8 | $ 2,040,000 | $ 255,000 | $ 123,000 |
| FARMINGTON, NM | 7 | $ 1,279,000 | $ 182,000 | $ 48,000 |
| FORT WORTH-ARLINGTON, TX | 7 | $ 819,000 | $ 117,000 | $ 81,000 |
| GAINESVILLE, FL | 7 | $ 1,026,000 | $ 146,000 | $ 60,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 7 | $ 1,483,000 | $ 211,000 | $ 77,000 |
| NAPLES-MARCO ISLAND, FL | 6 | $ 1,293,000 | $ 215,000 | $ 129,000 |
| NORWICH-NEW LONDON, CT | 6 | $ 1,245,000 | $ 207,000 | $ 68,000 |
| PANAMA CITY-LYNN HAVEN-PANAMA CITY BEACH, FL | 6 | $ 1,210,000 | $ 201,000 | $ 71,000 |
| PITTSBURGH, PA | 6 | $ 1,193,000 | $ 198,000 | $ 42,000 |
| SAN ANTONIO, TX | 6 | $ 1,283,000 | $ 213,000 | $ 43,000 |
| WILMINGTON, DE-MD-NJ | 6 | $ 1,080,000 | $ 216,000 | $ 520,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 5 | $ 1,108,000 | $ 221,000 | $ 51,000 |
| TALLAHASSEE, FL | 5 | $ 1,262,000 | $ 252,000 | $ 72,000 |
| ANDERSON, SC | 4 | $ 392,000 | $ 98,000 | $ 47,000 |
| CEDAR RAPIDS, IA | 4 | $ 602,000 | $ 150,000 | $ 52,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 4 | $ 931,000 | $ 232,000 | $ 47,000 |
| PUNTA GORDA, FL | 4 | $ 645,000 | $ 161,000 | $ 64,000 |
| ROANOKE, VA | 4 | $ 696,000 | $ 174,000 | $ 53,000 |
| YAKIMA, WA | 4 | $ 683,000 | $ 170,000 | $ 13,000 |
| APPLETON, WI | 3 | $ 311,000 | $ 103,000 | $ 34,000 |
| BROWNSVILLE-HARLINGEN, TX | 3 | $ 330,000 | $ 110,000 | $ 26,000 |
| CARSON CITY, NV | 3 | $ 532,000 | $ 177,000 | $ 160,000 |
| DES MOINES-WEST DES MOINES, IA | 3 | $ 526,000 | $ 175,000 | $ 76,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 3 | $ 542,000 | $ 180,000 | $ 42,000 |
| LANCASTER, PA | 3 | $ 436,000 | $ 145,000 | $ 39,000 |
| SEBASTIAN-VERO BEACH, FL | 3 | $ 345,000 | $ 115,000 | $ 47,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 3 | $ 537,000 | $ 179,000 | $ 58,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 2 | $ 336,000 | $ 168,000 | $ 0 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 2 | $ 252,000 | $ 126,000 | $ 62,000 |
| CHARLOTTESVILLE, VA | 2 | $ 821,000 | $ 410,000 | $ 139,000 |
| COLUMBUS, GA-AL | 2 | $ 615,000 | $ 307,000 | $ 150,000 |
| CUMBERLAND, MD-WV | 2 | $ 405,000 | $ 202,000 | $ 52,000 |
| EAU CLAIRE, WI | 2 | $ 276,000 | $ 138,000 | $ 0 |
| EL PASO, TX | 2 | $ 426,000 | $ 213,000 | $ 92,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 2 | $ 369,000 | $ 184,000 | $ 0 |
| HARRISBURG-CARLISLE, PA | 2 | $ 284,000 | $ 142,000 | $ 17,000 |
| LYNCHBURG, VA | 2 | $ 269,000 | $ 134,000 | $ 38,000 |
| TEXARKANA, TX-TEXARKANA, AR | 2 | $ 359,000 | $ 179,000 | $ 108,000 |
| YORK-HANOVER, PA | 2 | $ 436,000 | $ 218,000 | $ 75,000 |
| ALBANY, GA | 1 | $ 180,000 | $ 180,000 | $ 38,000 |
| AMARILLO, TX | 1 | $ 344,000 | $ 344,000 | $ 0 |
| CHAMPAIGN-URBANA, IL | 1 | $ 117,000 | $ 117,000 | $ 87,000 |
| CHATTANOOGA, TN-GA | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| CORPUS CHRISTI, TX | 1 | $ 126,000 | $ 126,000 | $ 12,000 |
| DALTON, GA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| DOVER, DE | 1 | $ 208,000 | $ 208,000 | $ 92,000 |
| ERIE, PA | 1 | $ 107,000 | $ 107,000 | $ 22,000 |
| GAINESVILLE, GA | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 1 | $ 417,000 | $ 417,000 | $ 318,000 |
| HARRISONBURG, VA | 1 | $ 221,000 | $ 221,000 | $ 56,000 |
| KANSAS CITY, MO-KS | 1 | $ 256,000 | $ 256,000 | $ 140,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 1 | $ 108,000 | $ 108,000 | $ 67,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 1 | $ 397,000 | $ 397,000 | $ 102,000 |
| LEWISTON, ID-WA | 1 | $ 180,000 | $ 180,000 | $ 70,000 |
| LONGVIEW, TX | 1 | $ 60,000 | $ 60,000 | $ 225,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1 | $ 153,000 | $ 153,000 | $ 0 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| OSHKOSH-NEENAH, WI | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| PEORIA, IL | 1 | $ 104,000 | $ 104,000 | $ 61,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 1 | $ 120,000 | $ 120,000 | $ 140,000 |
| SALISBURY, MD | 1 | $ 109,000 | $ 109,000 | $ 0 |
| SAVANNAH, GA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| SCRANTON--WILKES-BARRE, PA | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| SHERMAN-DENISON, TX | 1 | $ 146,000 | $ 146,000 | $ 0 |
| SPRINGFIELD, IL | 1 | $ 198,000 | $ 198,000 | $ 113,000 |
| SPRINGFIELD, MA | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| ST. LOUIS, MO-IL | 1 | $ 204,000 | $ 204,000 | $ 95,000 |
| TYLER, TX | 1 | $ 338,000 | $ 338,000 | $ 176,000 |
| WACO, TX | 1 | $ 150,000 | $ 150,000 | $ 34,000 |
| WAUSAU, WI | 1 | $ 217,000 | $ 217,000 | $ 88,000 |
| WINCHESTER, VA-WV | 1 | $ 395,000 | $ 395,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, Llc in 2009
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 | 19,596 | $5,410,782,000 | $276,000 | $2,000,000 | $90,000 | $9,544,000 |
| Home Purchase | 19,184 | $4,272,987,000 | $222,000 | $1,725,000 | $81,000 | $2,601,000 |
| Home Improvement | 35 | $7,947,000 | $227,000 | $416,000 | $126,000 | $1,205,000 |
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 | 24,921 | $6,456,888,000 | $259,000 | $2,000,000 | $92,000 | $5,791,000 |
| Hispanic | 8,639 | $1,802,180,000 | $208,000 | $1,170,000 | $65,000 | $9,544,000 |
| Asian | 3,389 | $981,462,000 | $289,000 | $2,000,000 | $101,000 | $3,056,000 |
| Black or African American | 1,331 | $313,143,000 | $235,000 | $1,100,000 | $67,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 315 | $80,378,000 | $255,000 | $676,000 | $77,000 | $315,000 |
| American Indian or Alaskan Native | 111 | $28,306,000 | $255,000 | $660,000 | $98,000 | $556,000 |
| Not Provided | 109 | $29,359,000 | $269,000 | $752,000 | $86,000 | $417,000 |
| 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) | 21,372 | $5,767,663,000 | $269,000 | $2,000,000 | $108,000 | $9,544,000 |
| FHA-insured (Federal Housing Administration) | 15,018 | $3,404,578,000 | $226,000 | $1,100,000 | $59,000 | $2,601,000 |
| VA-guaranteed (Veterans Administration) | 1,534 | $366,851,000 | $239,000 | $730,000 | $56,000 | $617,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 891 | $152,624,000 | $171,000 | $449,000 | $49,000 | $350,000 |
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 | 22,549 | $5,432,786,000 | $240,000 | $1,400,000 | $83,000 | $9,544,000 |
| Application Approved But Not Accepted | 7,438 | $1,960,195,000 | $263,000 | $1,676,000 | $93,000 | $5,791,000 |
| Application Denied By Financial Institution | 6,338 | $1,644,362,000 | $259,000 | $2,000,000 | $87,000 | $3,056,000 |
| File Closed For Incompleteness | 1,455 | $379,639,000 | $260,000 | $1,500,000 | $85,000 | $1,763,000 |
| Application Withdrawn By Applicant | 1,034 | $274,514,000 | $265,000 | $1,930,000 | $94,000 | $2,132,000 |
| Loan Purchased By The Institution | 1 | $220,000 | $220,000 | $220,000 | $122,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2,190 | $618,845,000 | $282,000 | $2,000,000 | $79,000 | $2,310,000 |
| Other | 1,243 | $314,108,000 | $252,000 | $2,000,000 | $110,000 | $2,233,000 |
| Credit History | 996 | $224,898,000 | $225,000 | $2,000,000 | $62,000 | $3,056,000 |
| Collateral | 898 | $228,797,000 | $254,000 | $1,725,000 | $104,000 | $1,757,000 |
| Credit Application Incomplete | 331 | $91,728,000 | $277,000 | $1,088,000 | $94,000 | $835,000 |
| Unverifiable Information | 254 | $64,326,000 | $253,000 | $2,000,000 | $92,000 | $702,000 |
| Mortgage Insurance Denied | 196 | $45,990,000 | $234,000 | $575,000 | $77,000 | $334,000 |
| Employment History | 181 | $41,159,000 | $227,000 | $742,000 | $70,000 | $329,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $12,952,000 | $315,000 | $1,200,000 | $108,000 | $540,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, Llc's 2009 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.