Stearns Lending, LLC Mortgage Lending & HMDA Data, 2013
In 2013, Stearns Lending, LLC of Santa Ana, CA reported 68,846 mortgage applications totaling $17.6 billion, up 9% from 2012. The average application was for $255,273, and applicants reported an average income of $87,237. 67% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,700), Santa Ana-Anaheim-Irvine, CA (3,085) and Denver-Aurora-Broomfield, CO (3,004) (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 | 68,846 |
| Total Mortgage Loan Application Amount | $17,574,529,000 |
| Average Mortgage Loan Application Amount | $255,273 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $87,237 |
| Highest Applicant Income | $9,489,000 |
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Act (HMDA) records Stearns Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 4,700 | $ 1,606,157,000 | $ 341,735 | $ 101,000 |
| Santa Ana-Anaheim-Irvine, CA | 3,085 | $ 1,153,723,000 | $ 373,978 | $ 112,000 |
| Denver-Aurora-Broomfield, CO | 3,004 | $ 671,502,000 | $ 223,535 | $ 73,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2,908 | $ 1,160,900,000 | $ 399,209 | $ 124,000 |
| Oakland-Fremont-Hayward, CA | 2,905 | $ 984,346,000 | $ 338,845 | $ 110,000 |
| Salt Lake City, UT | 2,693 | $ 608,165,000 | $ 225,831 | $ 79,000 |
| Phoenix-Mesa-Glendale, AZ | 2,490 | $ 497,700,000 | $ 199,879 | $ 73,000 |
| Riverside-San Bernardino-Ontario, CA | 2,391 | $ 588,797,000 | $ 246,255 | $ 91,000 |
| Santa Rosa-Petaluma, CA | 2,331 | $ 702,944,000 | $ 301,563 | $ 98,000 |
| Chicago-Joliet-Naperville, IL | 2,214 | $ 463,263,000 | $ 209,242 | $ 87,000 |
| San Francisco-San Mateo-Redwood City, CA | 1,485 | $ 620,713,000 | $ 417,988 | $ 123,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,482 | $ 502,712,000 | $ 339,211 | $ 98,000 |
| Las Vegas-Paradise, NV | 1,416 | $ 278,351,000 | $ 196,575 | $ 78,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1,350 | $ 310,836,000 | $ 230,248 | $ 84,440 |
| Ogden-Clearfield, UT | 1,325 | $ 261,687,000 | $ 197,499 | $ 67,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,276 | $ 394,506,000 | $ 309,173 | $ 95,151 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,248 | $ 314,866,000 | $ 252,296 | $ 87,000 |
| Provo-Orem, UT | 1,057 | $ 221,280,000 | $ 209,347 | $ 72,000 |
| Philadelphia, PA | 891 | $ 208,386,000 | $ 233,878 | $ 86,000 |
| Providence-New Bedford-Fall River, RI-MA | 885 | $ 190,817,000 | $ 215,612 | $ 80,690 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 769 | $ 164,734,000 | $ 214,218 | $ 91,375 |
| Albuquerque, NM | 701 | $ 134,297,000 | $ 191,579 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 671 | $ 222,342,000 | $ 331,359 | $ 94,000 |
| Stockton, CA | 671 | $ 147,735,000 | $ 220,171 | $ 83,000 |
| Houston-Sugar Land-Baytown, TX | 646 | $ 121,544,000 | $ 188,148 | $ 96,000 |
| Eugene-Springfield, OR | 618 | $ 117,159,000 | $ 189,577 | $ 71,000 |
| Modesto, CA | 616 | $ 108,866,000 | $ 176,730 | $ 57,000 |
| St. George, UT | 570 | $ 108,428,000 | $ 190,224 | $ 77,000 |
| Colorado Springs, CO | 533 | $ 112,700,000 | $ 211,444 | $ 63,000 |
| Dallas-Plano-Irving, TX | 511 | $ 96,074,000 | $ 188,011 | $ 107,000 |
| Boston-Quincy, MA | 497 | $ 132,584,000 | $ 266,768 | $ 90,000 |
| Baltimore-Towson, MD | 456 | $ 112,631,000 | $ 246,997 | $ 76,000 |
| Salinas, CA | 453 | $ 118,785,000 | $ 262,218 | $ 73,000 |
| Pittsburgh, PA | 439 | $ 76,235,000 | $ 173,656 | $ 85,000 |
| Fresno, CA | 422 | $ 80,048,000 | $ 189,687 | $ 70,000 |
| Logan, UT-ID | 422 | $ 74,048,000 | $ 175,469 | $ 66,357 |
| Atlanta-Sandy Springs-Marietta, GA | 396 | $ 81,252,000 | $ 205,181 | $ 93,000 |
| Cambridge-Newton-Framingham, MA | 369 | $ 101,536,000 | $ 275,165 | $ 90,000 |
| Seattle-Bellevue-Everett, WA | 346 | $ 103,307,000 | $ 298,575 | $ 96,000 |
| Tampa-St. Petersburg-Clearwater, FL | 346 | $ 60,948,000 | $ 176,150 | $ 88,000 |
| Boise City-Nampa, ID | 345 | $ 66,535,000 | $ 192,855 | $ 87,000 |
| Salem, OR | 339 | $ 63,677,000 | $ 187,837 | $ 72,000 |
| Santa Cruz-Watsonville, CA | 320 | $ 116,524,000 | $ 364,137 | $ 92,000 |
| Scranton--Wilkes-Barre, PA | 311 | $ 44,752,000 | $ 143,897 | $ 75,000 |
| Bethesda-Rockville-Frederick, MD | 299 | $ 93,513,000 | $ 312,752 | $ 95,000 |
| Honolulu, HI | 285 | $ 117,129,000 | $ 410,978 | $ 93,000 |
| Louisville/Jefferson County, KY-IN | 276 | $ 51,554,000 | $ 186,789 | $ 86,913 |
| Vallejo-Fairfield, CA | 276 | $ 66,344,000 | $ 240,376 | $ 87,000 |
| Austin-Round Rock-San Marcos, TX | 243 | $ 51,697,000 | $ 212,744 | $ 108,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 234 | $ 87,305,000 | $ 373,098 | $ 120,000 |
| Warren-Troy-Farmington Hills, MI | 222 | $ 42,940,000 | $ 193,423 | $ 110,000 |
| Birmingham-Hoover, AL | 221 | $ 38,467,000 | $ 174,058 | $ 11,000 |
| Greeley, CO | 220 | $ 46,114,000 | $ 209,609 | $ 64,000 |
| Richmond, VA | 215 | $ 45,470,000 | $ 211,488 | $ 91,000 |
| Prescott, AZ | 196 | $ 33,661,000 | $ 171,739 | $ 60,000 |
| San Luis Obispo-Paso Robles, CA | 187 | $ 61,172,000 | $ 327,122 | $ 78,000 |
| Edison-New Brunswick, NJ | 185 | $ 52,480,000 | $ 283,675 | $ 109,000 |
| New York-White Plains-Wayne, NY-NJ | 185 | $ 55,438,000 | $ 299,664 | $ 103,000 |
| Lake County-Kenosha County, IL-WI | 184 | $ 41,546,000 | $ 225,793 | $ 97,217 |
| Tucson, AZ | 182 | $ 31,279,000 | $ 171,862 | $ 70,000 |
| Boulder, CO | 167 | $ 46,725,000 | $ 279,790 | $ 82,000 |
| Cincinnati-Middletown, OH-KY-IN | 166 | $ 27,743,000 | $ 167,126 | $ 79,481 |
| Peabody, MA | 165 | $ 43,484,000 | $ 263,539 | $ 91,000 |
| Spokane, WA | 161 | $ 28,221,000 | $ 175,285 | $ 55,000 |
| Fort Worth-Arlington, TX | 157 | $ 27,314,000 | $ 173,974 | $ 92,000 |
| Farmington, NM | 154 | $ 29,286,000 | $ 190,168 | $ 78,000 |
| Portland-South Portland-Biddeford, ME | 154 | $ 33,840,000 | $ 219,740 | $ 90,000 |
| State College, PA | 154 | $ 31,858,000 | $ 206,870 | $ 94,000 |
| Fort Collins-Loveland, CO | 152 | $ 34,828,000 | $ 229,131 | $ 71,000 |
| Bakersfield-Delano, CA | 142 | $ 25,928,000 | $ 182,591 | $ 87,000 |
| Lake Havasu City-Kingman, AZ | 142 | $ 20,174,000 | $ 142,070 | $ 59,000 |
| Napa, CA | 141 | $ 50,191,000 | $ 355,964 | $ 122,000 |
| Omaha-Council Bluffs, NE-IA | 141 | $ 21,425,000 | $ 151,950 | $ 65,808 |
| Newark-Union, NJ-PA | 139 | $ 38,711,000 | $ 278,496 | $ 103,143 |
| Indianapolis-Carmel, IN | 132 | $ 25,870,000 | $ 195,984 | $ 72,000 |
| Worcester, MA | 129 | $ 28,988,000 | $ 224,713 | $ 76,000 |
| Flagstaff, AZ | 123 | $ 28,985,000 | $ 235,650 | $ 113,000 |
| Orlando-Kissimmee-Sanford, FL | 122 | $ 23,460,000 | $ 192,295 | $ 68,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 117 | $ 20,866,000 | $ 178,341 | $ 69,769 |
| Harrisburg-Carlisle, PA | 117 | $ 18,945,000 | $ 161,923 | $ 70,000 |
| Missoula, MT | 117 | $ 24,968,000 | $ 213,401 | $ 84,000 |
| Madera-Chowchilla, CA | 114 | $ 19,935,000 | $ 174,868 | $ 67,000 |
| Coeur D'Alene, ID | 113 | $ 21,205,000 | $ 187,654 | $ 45,000 |
| Pueblo, CO | 108 | $ 13,724,000 | $ 127,074 | $ 31,000 |
| San Antonio-New Braunfels, TX | 107 | $ 18,298,000 | $ 171,009 | $ 91,000 |
| Merced, CA | 105 | $ 16,075,000 | $ 153,095 | $ 50,000 |
| Wilmington, DE-MD-NJ | 105 | $ 23,198,000 | $ 220,933 | $ 63,390 |
| Manchester-Nashua, NH | 101 | $ 21,348,000 | $ 211,366 | $ 96,000 |
| Rockingham County-Strafford County, NH | 101 | $ 23,180,000 | $ 229,504 | $ 76,000 |
| Camden, NJ | 100 | $ 21,238,000 | $ 212,380 | $ 76,000 |
| Barnstable Town, MA | 95 | $ 22,045,000 | $ 232,052 | $ 109,000 |
| St. Louis, MO-IL | 95 | $ 19,713,000 | $ 207,505 | $ 57,105 |
| Visalia-Porterville, CA | 93 | $ 15,755,000 | $ 169,408 | $ 39,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 92 | $ 20,346,000 | $ 221,152 | $ 49,032 |
| Bridgeport-Stamford-Norwalk, CT | 91 | $ 24,428,000 | $ 268,439 | $ 96,000 |
| New Haven-Milford, CT | 90 | $ 15,871,000 | $ 176,344 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 86 | $ 19,700,000 | $ 229,069 | $ 88,000 |
| Gary, IN | 83 | $ 14,845,000 | $ 178,855 | $ 81,000 |
| Knoxville, TN | 81 | $ 14,888,000 | $ 183,802 | $ 64,000 |
| Baton Rouge, LA | 80 | $ 15,895,000 | $ 198,687 | $ 14,000 |
| Lancaster, PA | 80 | $ 13,960,000 | $ 174,500 | $ 66,000 |
| Bend, OR | 77 | $ 17,510,000 | $ 227,402 | $ 97,000 |
| Lynchburg, VA | 77 | $ 11,723,000 | $ 152,246 | $ 66,000 |
| Idaho Falls, ID | 76 | $ 12,383,000 | $ 162,934 | $ 59,000 |
| South Bend-Mishawaka, IN-MI | 75 | $ 15,055,000 | $ 200,733 | $ 128,533 |
| New Orleans-Metairie-Kenner, LA | 66 | $ 12,561,000 | $ 190,318 | $ 8,000 |
| North Port-Bradenton-Sarasota, FL | 66 | $ 12,543,000 | $ 190,045 | $ 81,000 |
| Kansas City, MO-KS | 64 | $ 10,875,000 | $ 169,921 | $ 36,468 |
| Chattanooga, TN-GA | 63 | $ 7,865,000 | $ 124,841 | $ 38,650 |
| Miami-Miami Beach-Kendall, FL | 62 | $ 14,928,000 | $ 240,774 | $ 86,000 |
| Tacoma, WA | 62 | $ 15,064,000 | $ 242,967 | $ 110,000 |
| Santa Fe, NM | 60 | $ 13,765,000 | $ 229,416 | $ 88,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 55 | $ 11,177,000 | $ 203,218 | $ 57,000 |
| Altoona, PA | 54 | $ 6,927,000 | $ 128,277 | $ 70,000 |
| Medford, OR | 53 | $ 10,244,000 | $ 193,283 | $ 84,000 |
| Raleigh-Cary, NC | 52 | $ 11,423,000 | $ 219,673 | $ 64,000 |
| Tuscaloosa, AL | 52 | $ 8,985,000 | $ 172,788 | $ 3,000 |
| El Centro, CA | 51 | $ 6,727,000 | $ 131,901 | $ 73,000 |
| Chico, CA | 50 | $ 10,881,000 | $ 217,620 | $ 85,000 |
| Hartford-West Hartford-East Hartford, CT | 48 | $ 10,032,000 | $ 209,000 | $ 62,000 |
| Pocatello, ID | 48 | $ 6,382,000 | $ 132,958 | $ 50,000 |
| Columbia, SC | 42 | $ 8,525,000 | $ 202,976 | $ 61,000 |
| St. Cloud, MN | 41 | $ 5,822,000 | $ 142,000 | $ 69,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 40 | $ 9,219,000 | $ 230,475 | $ 33,625 |
| Columbus, OH | 40 | $ 7,580,000 | $ 189,500 | $ 65,000 |
| Springfield, MO | 40 | $ 5,038,000 | $ 125,950 | $ 44,000 |
| Amarillo, TX | 39 | $ 5,548,000 | $ 142,256 | $ 1,000 |
| Detroit-Livonia-Dearborn, MI | 38 | $ 7,316,000 | $ 192,526 | $ 91,000 |
| Corpus Christi, TX | 35 | $ 4,892,000 | $ 139,771 | $ 17,000 |
| Great Falls, MT | 35 | $ 5,229,000 | $ 149,400 | $ 64,000 |
| Rapid City, SD | 35 | $ 5,979,000 | $ 170,828 | $ 44,000 |
| Bremerton-Silverdale, WA | 33 | $ 8,115,000 | $ 245,909 | $ 90,000 |
| Kingsport-Bristol-Bristol, TN-VA | 33 | $ 4,316,000 | $ 130,787 | $ 56,000 |
| Memphis, TN-MS-AR | 33 | $ 5,406,000 | $ 163,818 | $ 51,818 |
| Cape Coral-Fort Myers, FL | 32 | $ 5,193,000 | $ 162,281 | $ 103,000 |
| Billings, MT | 31 | $ 5,700,000 | $ 183,870 | $ 72,000 |
| Fort Wayne, IN | 30 | $ 4,899,000 | $ 163,300 | $ 30,000 |
| Grand Junction, CO | 29 | $ 6,854,000 | $ 236,344 | $ 124,000 |
| Lakeland-Winter Haven, FL | 29 | $ 3,200,000 | $ 110,344 | $ 52,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 29 | $ 6,838,000 | $ 235,793 | $ 90,000 |
| York-Hanover, PA | 28 | $ 5,062,000 | $ 180,785 | $ 61,000 |
| Corvallis, OR | 27 | $ 5,980,000 | $ 221,481 | $ 78,000 |
| Rockford, IL | 27 | $ 3,279,000 | $ 121,444 | $ 44,000 |
| Norwich-New London, CT | 26 | $ 5,611,000 | $ 215,807 | $ 65,000 |
| Ocean City, NJ | 26 | $ 6,416,000 | $ 246,769 | $ 119,000 |
| Sioux Falls, SD | 26 | $ 3,385,000 | $ 130,192 | $ 53,000 |
| Charleston-North Charleston-Summerville, SC | 25 | $ 5,110,000 | $ 204,400 | $ 93,000 |
| Florence, SC | 25 | $ 3,843,000 | $ 153,720 | $ 66,000 |
| Reading, PA | 25 | $ 4,735,000 | $ 189,400 | $ 54,000 |
| Redding, CA | 24 | $ 5,163,000 | $ 215,125 | $ 70,000 |
| Trenton-Ewing, NJ | 24 | $ 5,550,000 | $ 231,250 | $ 107,000 |
| Williamsport, PA | 24 | $ 3,314,000 | $ 138,083 | $ 70,000 |
| Charlottesville, VA | 23 | $ 4,592,000 | $ 199,652 | $ 66,000 |
| Olympia, WA | 23 | $ 5,369,000 | $ 233,434 | $ 56,000 |
| Rochester, MN | 23 | $ 3,836,000 | $ 166,782 | $ 105,000 |
| Ann Arbor, MI | 20 | $ 4,129,000 | $ 206,450 | $ 106,000 |
| Atlantic City-Hammonton, NJ | 20 | $ 5,820,000 | $ 291,000 | $ 158,000 |
| Huntington-Ashland, WV-KY-OH | 20 | $ 2,854,000 | $ 142,700 | $ 54,650 |
| Jacksonville, FL | 20 | $ 3,773,000 | $ 188,650 | $ 66,000 |
| Springfield, MA | 19 | $ 3,655,000 | $ 192,368 | $ 53,000 |
| Wilmington, NC | 19 | $ 3,432,000 | $ 180,631 | $ 70,000 |
| El Paso, TX | 18 | $ 1,913,000 | $ 106,277 | $ 62,000 |
| Flint, MI | 18 | $ 2,358,000 | $ 131,000 | $ 55,000 |
| Hanford-Corcoran, CA | 18 | $ 3,894,000 | $ 216,333 | $ 62,000 |
| Longview, WA | 18 | $ 3,514,000 | $ 195,222 | $ 47,000 |
| Hagerstown-Martinsburg, MD-WV | 17 | $ 2,706,000 | $ 159,176 | $ 49,294 |
| Lexington-Fayette, KY | 17 | $ 2,970,000 | $ 174,705 | $ 74,000 |
| Charleston, WV | 16 | $ 2,671,000 | $ 166,937 | $ 66,000 |
| Cleveland-Elyria-Mentor, OH | 16 | $ 2,732,000 | $ 170,750 | $ 79,000 |
| Des Moines-West Des Moines, IA | 16 | $ 1,963,000 | $ 122,687 | $ 45,000 |
| Wenatchee-East Wenatchee, WA | 16 | $ 4,261,000 | $ 266,312 | $ 92,000 |
| Yuba City, CA | 16 | $ 2,752,000 | $ 172,000 | $ 73,000 |
| Burlington-South Burlington, VT | 15 | $ 2,724,000 | $ 181,600 | $ 53,000 |
| Greenville-Mauldin-Easley, SC | 15 | $ 2,717,000 | $ 181,133 | $ 35,000 |
| Morristown, TN | 15 | $ 2,113,000 | $ 140,866 | $ 51,000 |
| Palm Bay-Melbourne-Titusville, FL | 15 | $ 2,463,000 | $ 164,200 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 15 | $ 3,251,000 | $ 216,733 | $ 95,000 |
| Port St. Lucie, FL | 15 | $ 1,966,000 | $ 131,066 | $ 38,000 |
| Savannah, GA | 15 | $ 2,657,000 | $ 177,133 | $ 51,000 |
| Lincoln, NE | 14 | $ 2,262,000 | $ 161,571 | $ 86,000 |
| Roanoke, VA | 14 | $ 2,447,000 | $ 174,785 | $ 60,000 |
| Athens-Clarke County, GA | 13 | $ 2,991,000 | $ 230,076 | $ 64,000 |
| Dayton, OH | 13 | $ 1,983,000 | $ 152,538 | $ 54,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 1,930,000 | $ 148,461 | $ 53,000 |
| Dover, DE | 13 | $ 1,823,000 | $ 140,230 | $ 43,000 |
| Kennewick-Pasco-Richland, WA | 13 | $ 2,633,000 | $ 202,538 | $ 52,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 2,129,000 | $ 163,769 | $ 52,000 |
| Palm Coast, FL | 13 | $ 1,785,000 | $ 137,307 | $ 50,000 |
| Spartanburg, SC | 13 | $ 1,691,000 | $ 130,076 | $ 21,000 |
| Wichita, KS | 13 | $ 1,781,000 | $ 137,000 | $ 48,000 |
| Duluth, MN-WI | 12 | $ 2,217,000 | $ 184,750 | $ 62,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 12 | $ 2,179,000 | $ 181,583 | $ 78,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 1,849,000 | $ 154,083 | $ 32,000 |
| Yakima, WA | 12 | $ 2,798,000 | $ 233,166 | $ 73,000 |
| Huntsville, AL | 11 | $ 1,780,000 | $ 161,818 | $ 63,000 |
| Lewiston-Auburn, ME | 11 | $ 1,880,000 | $ 170,909 | $ 108,000 |
| Mankato-North Mankato, MN | 11 | $ 1,522,000 | $ 138,363 | $ 46,000 |
| Naples-Marco Island, FL | 11 | $ 1,713,000 | $ 155,727 | $ 59,000 |
| Punta Gorda, FL | 11 | $ 1,733,000 | $ 157,545 | $ 28,000 |
| Reno-Sparks, NV | 11 | $ 2,425,000 | $ 220,454 | $ 50,000 |
| Akron, OH | 10 | $ 1,651,000 | $ 165,100 | $ 53,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,188,000 | $ 218,800 | $ 58,000 |
| Evansville, IN-KY | 10 | $ 1,292,000 | $ 129,200 | $ 26,600 |
| Lubbock, TX | 10 | $ 1,273,000 | $ 127,300 | $ 25,000 |
| Midland, TX | 10 | $ 1,941,000 | $ 194,100 | $ 28,000 |
| Appleton, WI | 9 | $ 1,327,000 | $ 147,444 | $ 34,000 |
| Killeen-Temple-Fort Hood, TX | 9 | $ 1,652,000 | $ 183,555 | $ 124,000 |
| Mount Vernon-Anacortes, WA | 9 | $ 1,496,000 | $ 166,222 | $ 50,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 9 | $ 1,476,000 | $ 164,000 | $ 65,000 |
| Oklahoma City, OK | 9 | $ 1,608,000 | $ 178,666 | $ 41,000 |
| Vineland-Millville-Bridgeton, NJ | 9 | $ 1,509,000 | $ 167,666 | $ 6,000 |
| Winchester, VA-WV | 9 | $ 1,886,000 | $ 209,555 | $ 61,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,402,000 | $ 175,250 | $ 11,500 |
| Cleveland, TN | 8 | $ 1,231,000 | $ 153,875 | $ 50,000 |
| Florence-Muscle Shoals, AL | 8 | $ 1,367,000 | $ 170,875 | $ 23,000 |
| Gainesville, GA | 8 | $ 815,000 | $ 101,875 | $ 37,000 |
| Johnstown, PA | 8 | $ 1,021,000 | $ 127,625 | $ 69,000 |
| Kalamazoo-Portage, MI | 8 | $ 1,046,000 | $ 130,750 | $ 13,000 |
| Lafayette, IN | 8 | $ 1,183,000 | $ 147,875 | $ 38,000 |
| Lafayette, LA | 8 | $ 1,273,000 | $ 159,125 | $ 0 |
| Mobile, AL | 8 | $ 1,086,000 | $ 135,750 | $ 10,000 |
| Ocala, FL | 8 | $ 827,000 | $ 103,375 | $ 43,000 |
| Bellingham, WA | 7 | $ 1,608,000 | $ 229,714 | $ 50,000 |
| Fayetteville, NC | 7 | $ 1,085,000 | $ 155,000 | $ 9,000 |
| Lake Charles, LA | 7 | $ 1,139,000 | $ 162,714 | $ 11,000 |
| Las Cruces, NM | 7 | $ 893,000 | $ 127,571 | $ 39,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 770,000 | $ 110,000 | $ 31,000 |
| Michigan City-La Porte, IN | 7 | $ 1,108,000 | $ 158,285 | $ 67,000 |
| Springfield, OH | 7 | $ 1,221,000 | $ 174,428 | $ 77,000 |
| College Station-Bryan, TX | 6 | $ 1,092,000 | $ 182,000 | $ 159,000 |
| Columbia, MO | 6 | $ 713,000 | $ 118,833 | $ 20,000 |
| Elkhart-Goshen, IN | 6 | $ 1,364,000 | $ 227,333 | $ 96,000 |
| Jacksonville, NC | 6 | $ 1,004,000 | $ 167,333 | $ 15,000 |
| Laredo, TX | 6 | $ 812,000 | $ 135,333 | $ 161,000 |
| Shreveport-Bossier City, LA | 6 | $ 938,000 | $ 156,333 | $ 6,000 |
| Tulsa, OK | 6 | $ 857,000 | $ 142,833 | $ 21,000 |
| Tyler, TX | 6 | $ 852,000 | $ 142,000 | $ 25,000 |
| Albany, GA | 5 | $ 626,000 | $ 125,200 | $ 99,000 |
| Alexandria, LA | 5 | $ 906,000 | $ 181,200 | $ 36,000 |
| Champaign-Urbana, IL | 5 | $ 974,000 | $ 194,800 | $ 102,000 |
| Cumberland, MD-WV | 5 | $ 704,000 | $ 140,800 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 565,000 | $ 113,000 | $ 51,200 |
| Gadsden, AL | 5 | $ 542,000 | $ 108,400 | $ 4,000 |
| Greenville, NC | 5 | $ 1,315,000 | $ 263,000 | $ 104,000 |
| Jackson, MS | 5 | $ 688,000 | $ 137,600 | $ 0 |
| Lewiston, ID-WA | 5 | $ 920,000 | $ 184,000 | $ 42,600 |
| Montgomery, AL | 5 | $ 1,055,000 | $ 211,000 | $ 147,000 |
| Rome, GA | 5 | $ 644,000 | $ 128,800 | $ 0 |
| Salisbury, MD | 5 | $ 930,000 | $ 186,000 | $ 37,000 |
| Sherman-Denison, TX | 5 | $ 638,000 | $ 127,600 | $ 60,000 |
| Bangor, ME | 4 | $ 595,000 | $ 148,750 | $ 76,000 |
| Columbus, GA-AL | 4 | $ 651,000 | $ 162,750 | $ 106,000 |
| Greensboro-High Point, NC | 4 | $ 1,071,000 | $ 267,750 | $ 0 |
| Kankakee-Bradley, IL | 4 | $ 610,000 | $ 152,500 | $ 63,000 |
| Peoria, IL | 4 | $ 501,000 | $ 125,250 | $ 57,000 |
| Toledo, OH | 4 | $ 1,015,000 | $ 253,750 | $ 159,000 |
| Yuma, AZ | 4 | $ 675,000 | $ 168,750 | $ 0 |
| Anderson, SC | 3 | $ 211,000 | $ 70,333 | $ 16,000 |
| Anniston-Oxford, AL | 3 | $ 466,000 | $ 155,333 | $ 17,000 |
| Asheville, NC | 3 | $ 617,000 | $ 205,666 | $ 41,000 |
| Auburn-Opelika, AL | 3 | $ 662,000 | $ 220,666 | $ 55,000 |
| Beaumont-Port Arthur, TX | 3 | $ 546,000 | $ 182,000 | $ 127,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 493,000 | $ 164,333 | $ 49,000 |
| Bowling Green, KY | 3 | $ 475,000 | $ 158,333 | $ 63,000 |
| Canton-Massillon, OH | 3 | $ 757,000 | $ 252,333 | $ 153,000 |
| Casper, WY | 3 | $ 535,000 | $ 178,333 | $ 63,000 |
| Cheyenne, WY | 3 | $ 500,000 | $ 166,666 | $ 37,000 |
| Clarksville, TN-KY | 3 | $ 585,000 | $ 195,000 | $ 14,333 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 524,000 | $ 174,666 | $ 67,000 |
| Danville, VA | 3 | $ 378,000 | $ 126,000 | $ 81,000 |
| Gainesville, FL | 3 | $ 455,000 | $ 151,666 | $ 41,000 |
| Goldsboro, NC | 3 | $ 671,000 | $ 223,666 | $ 108,000 |
| Green Bay, WI | 3 | $ 781,000 | $ 260,333 | $ 77,000 |
| Harrisonburg, VA | 3 | $ 376,000 | $ 125,333 | $ 134,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 398,000 | $ 132,666 | $ 51,000 |
| Jefferson City, MO | 3 | $ 397,000 | $ 132,333 | $ 16,000 |
| Lansing-East Lansing, MI | 3 | $ 533,000 | $ 177,666 | $ 127,000 |
| Lebanon, PA | 3 | $ 428,000 | $ 142,666 | $ 80,000 |
| Macon, GA | 3 | $ 472,000 | $ 157,333 | $ 23,000 |
| Madison, WI | 3 | $ 446,000 | $ 148,666 | $ 17,000 |
| Morgantown, WV | 3 | $ 1,153,000 | $ 384,333 | $ 121,000 |
| Muskegon-Norton Shores, MI | 3 | $ 469,000 | $ 156,333 | $ 108,000 |
| Oshkosh-Neenah, WI | 3 | $ 453,000 | $ 151,000 | $ 17,000 |
| Pascagoula, MS | 3 | $ 351,000 | $ 117,000 | $ 61,000 |
| Tallahassee, FL | 3 | $ 519,000 | $ 173,000 | $ 150,000 |
| Victoria, TX | 3 | $ 475,000 | $ 158,333 | $ 121,000 |
| Waco, TX | 3 | $ 898,000 | $ 299,333 | $ 185,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 381,000 | $ 127,000 | $ 83,000 |
| Bloomington, IN | 2 | $ 428,000 | $ 214,000 | $ 27,000 |
| Bloomington-Normal, IL | 2 | $ 205,000 | $ 102,500 | $ 47,000 |
| Brownsville-Harlingen, TX | 2 | $ 246,000 | $ 123,000 | $ 48,000 |
| Dothan, AL | 2 | $ 342,000 | $ 171,000 | $ 47,000 |
| Dubuque, IA | 2 | $ 406,000 | $ 203,000 | $ 92,000 |
| Elizabethtown, KY | 2 | $ 415,000 | $ 207,500 | $ 73,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 307,000 | $ 153,500 | $ 70,000 |
| Jackson, MI | 2 | $ 318,000 | $ 159,000 | $ 74,000 |
| Janesville, WI | 2 | $ 216,000 | $ 108,000 | $ 51,000 |
| Kokomo, IN | 2 | $ 184,000 | $ 92,000 | $ 16,000 |
| Lawrence, KS | 2 | $ 245,000 | $ 122,500 | $ 266,000 |
| Monroe, MI | 2 | $ 220,000 | $ 110,000 | $ 60,000 |
| Odessa, TX | 2 | $ 364,000 | $ 182,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 547,000 | $ 273,500 | $ 19,000 |
| Sebastian-Vero Beach, FL | 2 | $ 123,000 | $ 61,500 | $ 32,000 |
| Terre Haute, IN | 2 | $ 247,000 | $ 123,500 | $ 71,000 |
| Topeka, KS | 2 | $ 331,000 | $ 165,500 | $ 75,000 |
| Wichita Falls, TX | 2 | $ 438,000 | $ 219,000 | $ 50,000 |
| Abilene, TX | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Anchorage, AK | 1 | $ 359,000 | $ 359,000 | $ 72,000 |
| Anderson, IN | 1 | $ 130,000 | $ 130,000 | $ 100,000 |
| Bay City, MI | 1 | $ 137,000 | $ 137,000 | $ 52,000 |
| Bismarck, ND | 1 | $ 417,000 | $ 417,000 | $ 142,000 |
| Burlington, NC | 1 | $ 278,000 | $ 278,000 | $ 77,000 |
| Carson City, NV | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Dalton, GA | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Decatur, AL | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Eau Claire, WI | 1 | $ 131,000 | $ 131,000 | $ 81,000 |
| Fargo, ND-MN | 1 | $ 119,000 | $ 119,000 | $ 35,000 |
| Fond Du Lac, WI | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 166,000 | $ 166,000 | $ 95,000 |
| Gulfport-Biloxi, MS | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Jackson, TN | 1 | $ 127,000 | $ 127,000 | $ 44,000 |
| Johnson City, TN | 1 | $ 164,000 | $ 164,000 | $ 74,000 |
| Joplin, MO | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Longview, TX | 1 | $ 101,000 | $ 101,000 | $ 180,000 |
| Manhattan, KS | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Muncie, IN | 1 | $ 298,000 | $ 298,000 | $ 118,000 |
| Owensboro, KY | 1 | $ 150,000 | $ 150,000 | $ 66,000 |
| Pittsfield, MA | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Racine, WI | 1 | $ 66,000 | $ 66,000 | $ 34,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 248,000 | $ 248,000 | $ 121,000 |
| San Angelo, TX | 1 | $ 181,000 | $ 181,000 | $ 107,000 |
| Sheboygan, WI | 1 | $ 154,000 | $ 154,000 | $ 70,000 |
| Springfield, IL | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 103,000 | $ 103,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, LLC in 2013
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 | 39,048 | $10,301,265,000 | $263,000 | $1,989,000 | $92,000 | $9,489,000 |
| Home Purchase | 29,797 | $7,273,094,000 | $244,000 | $2,000,000 | $81,000 | $3,152,000 |
| Home Improvement | 1 | $170,000 | $170,000 | $170,000 | $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 | 40,812 | $10,246,886,000 | $251,000 | $2,000,000 | $97,000 | $9,489,000 |
| Asian | 7,934 | $2,392,506,000 | $301,000 | $2,000,000 | $107,000 | $1,111,000 |
| Hispanic | 7,012 | $1,614,863,000 | $230,000 | $1,558,000 | $67,000 | $1,261,000 |
| Not Provided | 5,650 | $1,583,820,000 | $280,000 | $1,850,000 | $107,000 | $3,740,000 |
| Not applicable | 5,610 | $1,288,341,000 | $229,000 | $960,000 | $0 | $0 |
| Black or African American | 1,359 | $313,517,000 | $230,000 | $1,275,000 | $79,000 | $715,000 |
| Native Hawaiian or Other Pacific Islander | 302 | $91,854,000 | $304,000 | $1,000,000 | $92,000 | $1,057,000 |
| American Indian or Alaskan Native | 167 | $42,742,000 | $255,000 | $1,636,000 | $97,000 | $1,200,000 |
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) | 52,717 | $13,893,467,000 | $263,000 | $2,000,000 | $98,000 | $9,489,000 |
| FHA-insured (Federal Housing Administration) | 11,282 | $2,524,342,000 | $223,000 | $965,000 | $53,000 | $700,000 |
| VA-guaranteed (Veterans Administration) | 3,144 | $867,470,000 | $275,000 | $1,000,000 | $61,000 | $568,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1,703 | $289,250,000 | $169,000 | $529,000 | $46,000 | $141,000 |
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 | 46,449 | $11,829,051,000 | $254,000 | $1,930,000 | $96,000 | $9,489,000 |
| Application Approved But Not Accepted | 8,488 | $2,299,854,000 | $270,000 | $2,000,000 | $101,000 | $3,152,000 |
| Loan Purchased By The Institution | 5,610 | $1,288,341,000 | $229,000 | $960,000 | $0 | $0 |
| Application Denied By Financial Institution | 3,326 | $910,967,000 | $273,000 | $1,850,000 | $89,000 | $5,000,000 |
| Application Withdrawn By Applicant | 2,790 | $684,016,000 | $245,000 | $1,800,000 | $92,000 | $2,078,000 |
| File Closed For Incompleteness | 2,183 | $562,300,000 | $257,000 | $1,989,000 | $78,000 | $968,000 |
| 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 | 1,125 | $328,204,000 | $291,000 | $1,850,000 | $62,000 | $586,000 |
| Collateral | 672 | $176,182,000 | $262,000 | $1,558,000 | $115,000 | $2,739,000 |
| Credit History | 623 | $168,069,000 | $269,000 | $1,463,000 | $96,000 | $5,000,000 |
| Other | 506 | $132,838,000 | $262,000 | $1,505,000 | $105,000 | $1,348,000 |
| Unverifiable Information | 177 | $49,897,000 | $281,000 | $1,465,000 | $115,000 | $799,000 |
| Employment History | 103 | $25,195,000 | $244,000 | $1,085,000 | $63,000 | $540,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 59 | $15,562,000 | $263,000 | $916,000 | $89,000 | $384,000 |
| Credit Application Incomplete | 49 | $12,557,000 | $256,000 | $1,294,000 | $101,000 | $365,000 |
| Mortgage Insurance Denied | 12 | $2,463,000 | $205,000 | $395,000 | $83,000 | $202,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, LLC's 2013 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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