Stearns Lending, LLC Mortgage Lending & HMDA Data, 2014
In 2014, Stearns Lending, LLC of Santa Ana, CA reported 76,777 mortgage applications totaling $19.9 billion, up 12% from 2013. The average application was for $259,485, and applicants reported an average income of $93,960. 61% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,612), Denver-Aurora-Lakewood, CO (3,829) and Riverside-San Bernardino-Ontario, CA (3,390) (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 | 76,777 |
| Total Mortgage Loan Application Amount | $19,922,520,000 |
| Average Mortgage Loan Application Amount | $259,485 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $93,960 |
| Highest Applicant Income | $4,462,000 |
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Act (HMDA) records Stearns Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,612 | $ 1,670,827,000 | $ 362,278 | $ 107,000 |
| Denver-Aurora-Lakewood, CO | 3,829 | $ 963,412,000 | $ 251,609 | $ 90,000 |
| Riverside-San Bernardino-Ontario, CA | 3,390 | $ 875,132,000 | $ 258,151 | $ 93,000 |
| Anaheim-Santa Ana-Irvine, CA | 2,744 | $ 1,125,037,000 | $ 409,998 | $ 123,000 |
| Salt Lake City, UT | 2,308 | $ 539,880,000 | $ 233,916 | $ 88,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,268 | $ 464,371,000 | $ 204,749 | $ 83,000 |
| Oakland-Hayward-Berkeley, CA | 2,178 | $ 834,276,000 | $ 383,046 | $ 114,000 |
| San Diego-Carlsbad, CA | 2,049 | $ 734,494,000 | $ 358,464 | $ 107,000 |
| Las Vegas-Henderson-Paradise, NV | 2,020 | $ 420,284,000 | $ 208,061 | $ 81,000 |
| Chicago-Naperville-Arlington Heights, IL | 1,903 | $ 409,897,000 | $ 215,395 | $ 94,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,866 | $ 834,971,000 | $ 447,465 | $ 132,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1,844 | $ 445,886,000 | $ 241,803 | $ 89,924 |
| Santa Rosa, CA | 1,655 | $ 550,739,000 | $ 332,772 | $ 110,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,499 | $ 290,127,000 | $ 193,547 | $ 82,647 |
| Ogden-Clearfield, UT | 1,332 | $ 276,119,000 | $ 207,296 | $ 71,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1,297 | $ 342,248,000 | $ 263,876 | $ 92,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,065 | $ 230,190,000 | $ 216,140 | $ 92,000 |
| Provo-Orem, UT | 1,051 | $ 230,467,000 | $ 219,283 | $ 76,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,047 | $ 229,460,000 | $ 219,159 | $ 110,000 |
| Fresno, CA | 996 | $ 200,445,000 | $ 201,250 | $ 81,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 939 | $ 311,125,000 | $ 331,336 | $ 100,664 |
| Modesto, CA | 784 | $ 151,922,000 | $ 193,778 | $ 68,000 |
| San Francisco-Redwood City-South San Francisco, CA | 741 | $ 356,919,000 | $ 481,672 | $ 137,000 |
| Providence-Warwick, RI-MA | 735 | $ 159,870,000 | $ 217,510 | $ 79,959 |
| Stockton-Lodi, CA | 727 | $ 157,316,000 | $ 216,390 | $ 72,000 |
| Albuquerque, NM | 693 | $ 136,334,000 | $ 196,730 | $ 85,000 |
| St. George, UT | 669 | $ 131,135,000 | $ 196,016 | $ 82,000 |
| Dallas-Plano-Irving, TX | 652 | $ 138,576,000 | $ 212,539 | $ 114,000 |
| Tampa-St. Petersburg-Clearwater, FL | 635 | $ 122,344,000 | $ 192,667 | $ 83,000 |
| Cambridge-Newton-Framingham, MA | 634 | $ 185,665,000 | $ 292,847 | $ 100,000 |
| Baltimore-Columbia-Towson, MD | 613 | $ 151,675,000 | $ 247,430 | $ 87,000 |
| Montgomery County-Bucks County-Chester County, PA | 600 | $ 156,192,000 | $ 260,320 | $ 105,000 |
| Boston, MA | 593 | $ 168,094,000 | $ 283,463 | $ 95,000 |
| Seattle-Bellevue-Everett, WA | 588 | $ 177,482,000 | $ 301,840 | $ 106,000 |
| Urban Honolulu, HI | 575 | $ 247,238,000 | $ 429,979 | $ 103,000 |
| Colorado Springs, CO | 540 | $ 125,008,000 | $ 231,496 | $ 79,000 |
| Louisville/Jefferson County, KY-IN | 510 | $ 94,599,000 | $ 185,488 | $ 81,984 |
| Oxnard-Thousand Oaks-Ventura, CA | 500 | $ 191,123,000 | $ 382,246 | $ 112,000 |
| Salinas, CA | 438 | $ 129,821,000 | $ 296,394 | $ 80,000 |
| New York-Jersey City-White Plains, NY-NJ | 393 | $ 106,846,000 | $ 271,872 | $ 101,000 |
| Eugene, OR | 371 | $ 69,595,000 | $ 187,587 | $ 72,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 359 | $ 77,508,000 | $ 215,899 | $ 99,000 |
| Pittsburgh, PA | 345 | $ 58,502,000 | $ 169,571 | $ 77,000 |
| Greeley, CO | 341 | $ 72,765,000 | $ 213,387 | $ 83,000 |
| Boise City, ID | 327 | $ 56,325,000 | $ 172,247 | $ 84,000 |
| Warren-Troy-Farmington Hills, MI | 322 | $ 74,298,000 | $ 230,739 | $ 106,000 |
| Philadelphia, PA | 316 | $ 68,229,000 | $ 215,914 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 315 | $ 74,278,000 | $ 235,803 | $ 99,000 |
| Fort Worth-Arlington, TX | 300 | $ 57,265,000 | $ 190,883 | $ 99,000 |
| Fort Collins, CO | 298 | $ 72,842,000 | $ 244,436 | $ 89,000 |
| Richmond, VA | 293 | $ 67,027,000 | $ 228,761 | $ 94,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 291 | $ 37,446,000 | $ 128,680 | $ 67,000 |
| Cincinnati, OH-KY-IN | 284 | $ 47,028,000 | $ 165,591 | $ 70,292 |
| Austin-Round Rock, TX | 276 | $ 64,742,000 | $ 234,572 | $ 121,000 |
| Bakersfield, CA | 273 | $ 54,370,000 | $ 199,157 | $ 99,000 |
| Orlando-Kissimmee-Sanford, FL | 273 | $ 56,155,000 | $ 205,695 | $ 87,000 |
| Elgin, IL | 270 | $ 48,211,000 | $ 178,559 | $ 72,000 |
| Santa Cruz-Watsonville, CA | 258 | $ 102,548,000 | $ 397,472 | $ 115,000 |
| Vallejo-Fairfield, CA | 258 | $ 71,825,000 | $ 278,391 | $ 91,000 |
| Indianapolis-Carmel-Anderson, IN | 245 | $ 47,412,000 | $ 193,518 | $ 84,000 |
| Kansas City, MO-KS | 237 | $ 47,526,000 | $ 200,531 | $ 94,329 |
| Logan, UT-ID | 236 | $ 37,972,000 | $ 160,898 | $ 52,966 |
| Salem, OR | 234 | $ 45,218,000 | $ 193,239 | $ 74,000 |
| Santa Maria-Santa Barbara, CA | 231 | $ 79,881,000 | $ 345,805 | $ 116,000 |
| Miami-Miami Beach-Kendall, FL | 220 | $ 53,240,000 | $ 242,000 | $ 97,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 216 | $ 75,258,000 | $ 348,416 | $ 114,000 |
| Worcester, MA-CT | 216 | $ 46,646,000 | $ 215,953 | $ 73,976 |
| Boulder, CO | 215 | $ 59,270,000 | $ 275,674 | $ 98,000 |
| Newark, NJ-PA | 208 | $ 66,153,000 | $ 318,043 | $ 115,634 |
| Silver Spring-Frederick-Rockville, MD | 206 | $ 69,049,000 | $ 335,189 | $ 108,000 |
| Visalia-Porterville, CA | 201 | $ 35,437,000 | $ 176,303 | $ 81,000 |
| Lake County-Kenosha County, IL-WI | 195 | $ 42,811,000 | $ 219,543 | $ 102,605 |
| Spokane-Spokane Valley, WA | 194 | $ 35,506,000 | $ 183,020 | $ 74,000 |
| Tacoma-Lakewood, WA | 191 | $ 43,442,000 | $ 227,445 | $ 78,000 |
| State College, PA | 186 | $ 37,013,000 | $ 198,994 | $ 84,000 |
| Bridgeport-Stamford-Norwalk, CT | 184 | $ 58,590,000 | $ 318,423 | $ 131,000 |
| Coeur D'Alene, ID | 174 | $ 34,709,000 | $ 199,477 | $ 82,000 |
| Merced, CA | 170 | $ 28,660,000 | $ 168,588 | $ 57,000 |
| Madera, CA | 165 | $ 31,245,000 | $ 189,363 | $ 68,000 |
| Tucson, AZ | 165 | $ 28,628,000 | $ 173,503 | $ 79,000 |
| San Rafael, CA | 161 | $ 77,366,000 | $ 480,534 | $ 143,000 |
| Columbia, SC | 156 | $ 31,237,000 | $ 200,237 | $ 80,000 |
| Charlotte-Concord-Gastonia, NC-SC | 155 | $ 36,278,000 | $ 234,051 | $ 101,987 |
| San Antonio-New Braunfels, TX | 152 | $ 31,772,000 | $ 209,026 | $ 89,000 |
| Prescott, AZ | 149 | $ 29,091,000 | $ 195,241 | $ 75,000 |
| St. Louis, MO-IL | 145 | $ 31,299,000 | $ 215,855 | $ 106,206 |
| Raleigh, NC | 144 | $ 34,963,000 | $ 242,798 | $ 100,000 |
| Wilmington, DE-MD-NJ | 144 | $ 32,314,000 | $ 224,402 | $ 89,965 |
| Flagstaff, AZ | 143 | $ 39,239,000 | $ 274,398 | $ 125,000 |
| Birmingham-Hoover, AL | 141 | $ 25,573,000 | $ 181,368 | $ 81,000 |
| Barnstable Town, MA | 140 | $ 34,585,000 | $ 247,035 | $ 98,000 |
| Lake Havasu City-Kingman, AZ | 139 | $ 22,697,000 | $ 163,287 | $ 68,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 135 | $ 28,589,000 | $ 211,770 | $ 83,000 |
| Missoula, MT | 133 | $ 31,443,000 | $ 236,413 | $ 97,000 |
| Farmington, NM | 130 | $ 24,933,000 | $ 191,792 | $ 90,000 |
| Harrisburg-Carlisle, PA | 125 | $ 22,807,000 | $ 182,456 | $ 81,000 |
| Columbus, OH | 124 | $ 17,898,000 | $ 144,338 | $ 58,000 |
| Camden, NJ | 122 | $ 25,409,000 | $ 208,270 | $ 93,000 |
| Hanford-Corcoran, CA | 122 | $ 23,604,000 | $ 193,475 | $ 67,000 |
| Salisbury, MD-DE | 122 | $ 26,654,000 | $ 218,475 | $ 116,032 |
| New Orleans-Metairie, LA | 119 | $ 25,372,000 | $ 213,210 | $ 101,000 |
| Port St. Lucie, FL | 118 | $ 23,362,000 | $ 197,983 | $ 90,000 |
| Charleston-North Charleston, SC | 113 | $ 23,968,000 | $ 212,106 | $ 81,000 |
| North Port-Sarasota-Bradenton, FL | 112 | $ 22,084,000 | $ 197,178 | $ 89,000 |
| Cape Coral-Fort Myers, FL | 109 | $ 18,676,000 | $ 171,339 | $ 102,000 |
| Milwaukee-Waukesha-West Allis, WI | 109 | $ 22,731,000 | $ 208,541 | $ 95,000 |
| Napa, CA | 106 | $ 41,592,000 | $ 392,377 | $ 134,000 |
| Manchester-Nashua, NH | 105 | $ 22,127,000 | $ 210,733 | $ 78,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 103 | $ 20,128,000 | $ 195,417 | $ 79,815 |
| Baton Rouge, LA | 103 | $ 19,208,000 | $ 186,485 | $ 85,000 |
| Rockingham County-Strafford County, NH | 99 | $ 22,779,000 | $ 230,090 | $ 88,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 99 | $ 23,574,000 | $ 238,121 | $ 74,000 |
| Detroit-Dearborn-Livonia, MI | 96 | $ 17,778,000 | $ 185,187 | $ 83,000 |
| Bremerton-Silverdale, WA | 92 | $ 30,359,000 | $ 329,989 | $ 109,000 |
| Oklahoma City, OK | 86 | $ 14,894,000 | $ 173,186 | $ 79,000 |
| Omaha-Council Bluffs, NE-IA | 86 | $ 14,408,000 | $ 167,534 | $ 78,848 |
| Pueblo, CO | 86 | $ 11,072,000 | $ 128,744 | $ 49,000 |
| Lynchburg, VA | 83 | $ 12,937,000 | $ 155,867 | $ 58,000 |
| Greenville-Anderson-Mauldin, SC | 82 | $ 15,027,000 | $ 183,256 | $ 73,000 |
| Lakeland-Winter Haven, FL | 79 | $ 12,675,000 | $ 160,443 | $ 73,000 |
| Reno, NV | 77 | $ 17,113,000 | $ 222,246 | $ 94,000 |
| St. Cloud, MN | 75 | $ 10,579,000 | $ 141,053 | $ 48,000 |
| Jacksonville, FL | 74 | $ 18,187,000 | $ 245,770 | $ 112,000 |
| Portland-South Portland, ME | 74 | $ 16,372,000 | $ 221,243 | $ 97,000 |
| Rapid City, SD | 72 | $ 11,966,000 | $ 166,194 | $ 76,000 |
| Savannah, GA | 68 | $ 14,214,000 | $ 209,029 | $ 100,000 |
| Knoxville, TN | 64 | $ 12,655,000 | $ 197,734 | $ 86,000 |
| Albany, OR | 63 | $ 10,627,000 | $ 168,682 | $ 85,000 |
| Bend-Redmond, OR | 60 | $ 14,134,000 | $ 235,566 | $ 103,000 |
| Huntsville, AL | 60 | $ 11,691,000 | $ 194,850 | $ 82,000 |
| Gary, IN | 59 | $ 9,459,000 | $ 160,322 | $ 64,000 |
| Augusta-Richmond County, GA-SC | 56 | $ 10,409,000 | $ 185,875 | $ 70,625 |
| Lancaster, PA | 56 | $ 10,805,000 | $ 192,946 | $ 95,000 |
| Medford, OR | 56 | $ 12,203,000 | $ 217,910 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 56 | $ 10,180,000 | $ 181,785 | $ 93,000 |
| Kahului-Wailuku-Lahaina, HI | 53 | $ 23,287,000 | $ 439,377 | $ 142,000 |
| Naples-Immokalee-Marco Island, FL | 53 | $ 12,766,000 | $ 240,867 | $ 138,000 |
| Walla Walla, WA | 53 | $ 9,433,000 | $ 177,981 | $ 71,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 52 | $ 8,925,000 | $ 171,634 | $ 73,692 |
| New Haven-Milford, CT | 51 | $ 12,951,000 | $ 253,941 | $ 136,000 |
| Ocala, FL | 49 | $ 5,917,000 | $ 120,755 | $ 58,000 |
| Sioux Falls, SD | 49 | $ 7,620,000 | $ 155,510 | $ 59,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 48 | $ 8,027,000 | $ 167,229 | $ 70,000 |
| Spartanburg, SC | 48 | $ 7,623,000 | $ 158,812 | $ 66,000 |
| York-Hanover, PA | 48 | $ 8,950,000 | $ 186,458 | $ 72,000 |
| Redding, CA | 46 | $ 9,070,000 | $ 197,173 | $ 75,000 |
| Idaho Falls, ID | 45 | $ 7,177,000 | $ 159,488 | $ 82,000 |
| Kingsport-Bristol-Bristol, TN-VA | 44 | $ 5,749,000 | $ 130,659 | $ 56,909 |
| Memphis, TN-MS-AR | 44 | $ 8,290,000 | $ 188,409 | $ 113,636 |
| Pensacola-Ferry Pass-Brent, FL | 44 | $ 8,893,000 | $ 202,113 | $ 84,000 |
| Chico, CA | 43 | $ 8,154,000 | $ 189,627 | $ 107,000 |
| Santa Fe, NM | 43 | $ 8,859,000 | $ 206,023 | $ 70,000 |
| Tuscaloosa, AL | 43 | $ 7,379,000 | $ 171,604 | $ 63,000 |
| Amarillo, TX | 42 | $ 6,575,000 | $ 156,547 | $ 87,000 |
| Olympia-Tumwater, WA | 42 | $ 9,996,000 | $ 238,000 | $ 83,000 |
| Chattanooga, TN-GA | 41 | $ 6,558,000 | $ 159,951 | $ 68,707 |
| Tulsa, OK | 40 | $ 7,189,000 | $ 179,725 | $ 79,000 |
| Wichita, KS | 39 | $ 5,199,000 | $ 133,307 | $ 56,000 |
| El Paso, TX | 36 | $ 4,813,000 | $ 133,694 | $ 74,000 |
| Billings, MT | 35 | $ 6,721,000 | $ 192,028 | $ 73,000 |
| San Angelo, TX | 35 | $ 6,002,000 | $ 171,485 | $ 79,000 |
| El Centro, CA | 34 | $ 5,482,000 | $ 161,235 | $ 82,000 |
| Hagerstown-Martinsburg, MD-WV | 34 | $ 5,471,000 | $ 160,911 | $ 51,176 |
| Hartford-West Hartford-East Hartford, CT | 34 | $ 9,128,000 | $ 268,470 | $ 100,000 |
| Little Rock-North Little Rock-Conway, AR | 33 | $ 5,537,000 | $ 167,787 | $ 76,000 |
| Springfield, MO | 33 | $ 5,353,000 | $ 162,212 | $ 69,000 |
| Beaumont-Port Arthur, TX | 32 | $ 5,124,000 | $ 160,125 | $ 83,000 |
| Durham-Chapel Hill, NC | 32 | $ 7,251,000 | $ 226,593 | $ 105,000 |
| Gainesville, GA | 32 | $ 5,060,000 | $ 158,125 | $ 64,000 |
| Florence, SC | 30 | $ 4,571,000 | $ 152,366 | $ 56,000 |
| Green Bay, WI | 30 | $ 3,767,000 | $ 125,566 | $ 55,000 |
| Great Falls, MT | 29 | $ 4,121,000 | $ 142,103 | $ 62,000 |
| Lafayette, LA | 29 | $ 5,187,000 | $ 178,862 | $ 84,000 |
| Longview, WA | 29 | $ 5,605,000 | $ 193,275 | $ 60,000 |
| Lexington-Fayette, KY | 28 | $ 5,358,000 | $ 191,357 | $ 85,000 |
| Trenton, NJ | 28 | $ 6,509,000 | $ 232,464 | $ 106,000 |
| Cleveland-Elyria, OH | 27 | $ 4,218,000 | $ 156,222 | $ 67,000 |
| Dayton, OH | 27 | $ 4,193,000 | $ 155,296 | $ 60,000 |
| Reading, PA | 27 | $ 5,010,000 | $ 185,555 | $ 86,000 |
| Yuba City, CA | 27 | $ 4,906,000 | $ 181,703 | $ 65,000 |
| Kennewick-Richland, WA | 26 | $ 5,489,000 | $ 211,115 | $ 66,000 |
| Midland, TX | 26 | $ 6,828,000 | $ 262,615 | $ 111,000 |
| Winston-Salem, NC | 26 | $ 4,856,000 | $ 186,769 | $ 78,000 |
| East Stroudsburg, PA | 25 | $ 3,347,000 | $ 133,880 | $ 62,000 |
| Grand Junction, CO | 25 | $ 4,426,000 | $ 177,040 | $ 82,000 |
| Athens-Clarke County, GA | 24 | $ 4,662,000 | $ 194,250 | $ 79,000 |
| Rochester, MN | 24 | $ 4,090,000 | $ 170,416 | $ 67,000 |
| Columbus, GA-AL | 23 | $ 3,466,000 | $ 150,695 | $ 63,782 |
| Springfield, OH | 23 | $ 2,315,000 | $ 100,652 | $ 34,000 |
| Dover, DE | 21 | $ 4,724,000 | $ 224,952 | $ 75,000 |
| Duluth, MN-WI | 21 | $ 3,522,000 | $ 167,714 | $ 69,809 |
| Warner Robins, GA | 21 | $ 3,889,000 | $ 185,190 | $ 80,000 |
| Wilmington, NC | 21 | $ 5,685,000 | $ 270,714 | $ 157,000 |
| Corvallis, OR | 20 | $ 4,525,000 | $ 226,250 | $ 103,000 |
| Des Moines-West Des Moines, IA | 20 | $ 3,440,000 | $ 172,000 | $ 88,000 |
| Kokomo, IN | 20 | $ 1,828,000 | $ 91,400 | $ 39,000 |
| Tyler, TX | 20 | $ 3,190,000 | $ 159,500 | $ 76,000 |
| Grand Rapids-Wyoming, MI | 19 | $ 3,843,000 | $ 202,263 | $ 89,000 |
| Greensboro-High Point, NC | 19 | $ 4,428,000 | $ 233,052 | $ 111,000 |
| Huntington-Ashland, WV-KY-OH | 19 | $ 2,549,000 | $ 134,157 | $ 75,578 |
| Lubbock, TX | 19 | $ 3,490,000 | $ 183,684 | $ 110,000 |
| Ocean City, NJ | 19 | $ 4,429,000 | $ 233,105 | $ 152,000 |
| Springfield, MA | 19 | $ 3,657,000 | $ 192,473 | $ 72,000 |
| Abilene, TX | 18 | $ 2,547,000 | $ 141,500 | $ 74,000 |
| Laredo, TX | 18 | $ 3,116,000 | $ 173,111 | $ 97,000 |
| Montgomery, AL | 18 | $ 3,251,000 | $ 180,611 | $ 55,000 |
| Punta Gorda, FL | 18 | $ 2,583,000 | $ 143,500 | $ 54,000 |
| Chambersburg-Waynesboro, PA | 17 | $ 2,605,000 | $ 153,235 | $ 52,000 |
| Flint, MI | 17 | $ 2,985,000 | $ 175,588 | $ 88,000 |
| Tallahassee, FL | 17 | $ 3,001,000 | $ 176,529 | $ 112,000 |
| Yuma, AZ | 17 | $ 2,509,000 | $ 147,588 | $ 65,000 |
| Ann Arbor, MI | 16 | $ 3,663,000 | $ 228,937 | $ 107,000 |
| Crestview-Fort Walton Beach-Destin, FL | 16 | $ 3,224,000 | $ 201,500 | $ 75,000 |
| Gettysburg, PA | 16 | $ 2,913,000 | $ 182,062 | $ 63,000 |
| Grants Pass, OR | 16 | $ 3,305,000 | $ 206,562 | $ 64,000 |
| Kalamazoo-Portage, MI | 16 | $ 2,650,000 | $ 165,625 | $ 99,000 |
| Las Cruces, NM | 16 | $ 2,988,000 | $ 186,750 | $ 73,000 |
| Madison, WI | 16 | $ 3,853,000 | $ 240,812 | $ 102,000 |
| Auburn-Opelika, AL | 15 | $ 2,467,000 | $ 164,466 | $ 78,000 |
| Lake Charles, LA | 15 | $ 2,846,000 | $ 189,733 | $ 100,000 |
| Norwich-New London, CT | 15 | $ 3,350,000 | $ 223,333 | $ 87,000 |
| Anniston-Oxford-Jacksonville, AL | 14 | $ 2,121,000 | $ 151,500 | $ 61,000 |
| Atlantic City-Hammonton, NJ | 14 | $ 2,995,000 | $ 213,928 | $ 104,000 |
| Brownsville-Harlingen, TX | 14 | $ 1,859,000 | $ 132,785 | $ 66,000 |
| Charlottesville, VA | 14 | $ 1,935,000 | $ 138,214 | $ 94,000 |
| Cheyenne, WY | 14 | $ 2,345,000 | $ 167,500 | $ 81,000 |
| Roanoke, VA | 14 | $ 2,910,000 | $ 207,857 | $ 72,000 |
| College Station-Bryan, TX | 13 | $ 2,805,000 | $ 215,769 | $ 103,000 |
| Daphne-Fairhope-Foley, AL | 13 | $ 3,455,000 | $ 265,769 | $ 140,000 |
| Mobile, AL | 13 | $ 2,219,000 | $ 170,692 | $ 77,000 |
| Sebastian-Vero Beach, FL | 13 | $ 2,204,000 | $ 169,538 | $ 74,000 |
| Sherman-Denison, TX | 13 | $ 2,482,000 | $ 190,923 | $ 85,000 |
| Wenatchee, WA | 13 | $ 3,478,000 | $ 267,538 | $ 98,000 |
| Altoona, PA | 12 | $ 1,814,000 | $ 151,166 | $ 64,000 |
| California-Lexington Park, MD | 12 | $ 3,232,000 | $ 269,333 | $ 116,000 |
| Columbus, IN | 12 | $ 2,392,000 | $ 199,333 | $ 78,000 |
| Dothan, AL | 12 | $ 1,683,000 | $ 140,250 | $ 59,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 12 | $ 2,444,000 | $ 203,666 | $ 91,000 |
| Fort Wayne, IN | 12 | $ 2,683,000 | $ 223,583 | $ 131,000 |
| Longview, TX | 12 | $ 1,747,000 | $ 145,583 | $ 81,000 |
| Mankato-North Mankato, MN | 12 | $ 2,348,000 | $ 195,666 | $ 82,000 |
| Asheville, NC | 11 | $ 1,891,000 | $ 171,909 | $ 79,000 |
| Brunswick, GA | 11 | $ 1,830,000 | $ 166,363 | $ 77,000 |
| Gadsden, AL | 11 | $ 1,685,000 | $ 153,181 | $ 67,000 |
| Gainesville, FL | 11 | $ 1,883,000 | $ 171,181 | $ 82,000 |
| Grand Forks, ND-MN | 11 | $ 1,890,000 | $ 171,818 | $ 73,363 |
| Shreveport-Bossier City, LA | 11 | $ 2,308,000 | $ 209,818 | $ 69,000 |
| Anchorage, AK | 10 | $ 2,789,000 | $ 278,900 | $ 101,000 |
| Beckley, WV | 10 | $ 1,389,000 | $ 138,900 | $ 50,000 |
| Bellingham, WA | 10 | $ 3,157,000 | $ 315,700 | $ 84,000 |
| Blacksburg-Christiansburg-Radford, VA | 10 | $ 1,817,000 | $ 181,700 | $ 71,000 |
| Bloomsburg-Berwick, PA | 10 | $ 1,530,000 | $ 153,000 | $ 90,000 |
| Champaign-Urbana, IL | 10 | $ 1,310,000 | $ 131,000 | $ 78,000 |
| Clarksville, TN-KY | 10 | $ 2,198,000 | $ 219,800 | $ 73,800 |
| Florence-Muscle Shoals, AL | 10 | $ 1,305,000 | $ 130,500 | $ 65,000 |
| Gulfport-Biloxi-Pascagoula, MS | 10 | $ 1,941,000 | $ 194,100 | $ 121,000 |
| Hinesville, GA | 10 | $ 1,562,000 | $ 156,200 | $ 81,000 |
| Pocatello, ID | 10 | $ 1,221,000 | $ 122,100 | $ 50,000 |
| The Villages, FL | 10 | $ 1,561,000 | $ 156,100 | $ 57,000 |
| Toledo, OH | 10 | $ 1,759,000 | $ 175,900 | $ 83,000 |
| Burlington-South Burlington, VT | 9 | $ 1,763,000 | $ 195,888 | $ 58,000 |
| Davenport-Moline-Rock Island, IA-IL | 9 | $ 1,304,000 | $ 144,888 | $ 69,222 |
| Monroe, LA | 9 | $ 1,575,000 | $ 175,000 | $ 78,000 |
| Odessa, TX | 9 | $ 1,921,000 | $ 213,444 | $ 141,000 |
| Peoria, IL | 9 | $ 1,309,000 | $ 145,444 | $ 97,000 |
| Rockford, IL | 9 | $ 1,091,000 | $ 121,222 | $ 59,000 |
| Sumter, SC | 9 | $ 1,886,000 | $ 209,555 | $ 90,000 |
| Valdosta, GA | 9 | $ 1,454,000 | $ 161,555 | $ 92,000 |
| Bowling Green, KY | 8 | $ 2,312,000 | $ 289,000 | $ 137,000 |
| Carson City, NV | 8 | $ 1,703,000 | $ 212,875 | $ 125,000 |
| Corpus Christi, TX | 8 | $ 1,288,000 | $ 161,000 | $ 125,000 |
| Lebanon, PA | 8 | $ 1,319,000 | $ 164,875 | $ 78,000 |
| Lewiston-Auburn, ME | 8 | $ 1,080,000 | $ 135,000 | $ 52,000 |
| Lincoln, NE | 8 | $ 992,000 | $ 124,000 | $ 61,000 |
| Panama City, FL | 8 | $ 1,763,000 | $ 220,375 | $ 121,000 |
| Vineland-Bridgeton, NJ | 8 | $ 992,000 | $ 124,000 | $ 90,000 |
| Yakima, WA | 8 | $ 1,676,000 | $ 209,500 | $ 138,000 |
| Albany, GA | 7 | $ 1,159,000 | $ 165,571 | $ 84,000 |
| Casper, WY | 7 | $ 1,628,000 | $ 232,571 | $ 87,000 |
| Columbia, MO | 7 | $ 968,000 | $ 138,285 | $ 73,000 |
| Dalton, GA | 7 | $ 920,000 | $ 131,428 | $ 57,000 |
| Janesville-Beloit, WI | 7 | $ 836,000 | $ 119,428 | $ 85,000 |
| Muncie, IN | 7 | $ 703,000 | $ 100,428 | $ 60,000 |
| Williamsport, PA | 7 | $ 1,380,000 | $ 197,142 | $ 91,000 |
| Winchester, VA-WV | 7 | $ 1,217,000 | $ 173,857 | $ 55,000 |
| Appleton, WI | 6 | $ 869,000 | $ 144,833 | $ 62,000 |
| Cleveland, TN | 6 | $ 868,000 | $ 144,666 | $ 86,000 |
| Elizabethtown-Fort Knox, KY | 6 | $ 803,000 | $ 133,833 | $ 51,000 |
| Evansville, IN-KY | 6 | $ 1,076,000 | $ 179,333 | $ 86,000 |
| Jackson, MS | 6 | $ 1,629,000 | $ 271,500 | $ 106,000 |
| Jacksonville, NC | 6 | $ 845,000 | $ 140,833 | $ 78,000 |
| Jefferson City, MO | 6 | $ 898,000 | $ 149,666 | $ 57,000 |
| Joplin, MO | 6 | $ 629,000 | $ 104,833 | $ 44,000 |
| Killeen-Temple, TX | 6 | $ 1,179,000 | $ 196,500 | $ 85,000 |
| Lansing-East Lansing, MI | 6 | $ 965,000 | $ 160,833 | $ 76,000 |
| Macon, GA | 6 | $ 784,000 | $ 130,666 | $ 64,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 952,000 | $ 158,666 | $ 108,000 |
| Midland, MI | 6 | $ 1,164,000 | $ 194,000 | $ 93,000 |
| Morristown, TN | 6 | $ 936,000 | $ 156,000 | $ 48,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,656,000 | $ 276,000 | $ 80,000 |
| Sebring, FL | 6 | $ 918,000 | $ 153,000 | $ 69,000 |
| Texarkana, TX-AR | 6 | $ 776,000 | $ 129,333 | $ 78,000 |
| Victoria, TX | 6 | $ 1,001,000 | $ 166,833 | $ 77,000 |
| Bangor, ME | 5 | $ 661,000 | $ 132,200 | $ 65,000 |
| Bloomington, IL | 5 | $ 632,000 | $ 126,400 | $ 45,000 |
| Burlington, NC | 5 | $ 686,000 | $ 137,200 | $ 56,000 |
| Cedar Rapids, IA | 5 | $ 536,000 | $ 107,200 | $ 34,000 |
| Elkhart-Goshen, IN | 5 | $ 982,000 | $ 196,400 | $ 158,000 |
| Erie, PA | 5 | $ 715,000 | $ 143,000 | $ 78,000 |
| Fayetteville, NC | 5 | $ 1,089,000 | $ 217,800 | $ 85,000 |
| Michigan City-La Porte, IN | 5 | $ 1,151,000 | $ 230,200 | $ 177,000 |
| Morgantown, WV | 5 | $ 1,253,000 | $ 250,600 | $ 97,000 |
| New Bern, NC | 5 | $ 1,138,000 | $ 227,600 | $ 78,000 |
| Pine Bluff, AR | 5 | $ 650,000 | $ 130,000 | $ 53,000 |
| Rome, GA | 5 | $ 577,000 | $ 115,400 | $ 48,000 |
| Waco, TX | 5 | $ 1,022,000 | $ 204,400 | $ 75,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 800,000 | $ 160,000 | $ 68,000 |
| Akron, OH | 4 | $ 551,000 | $ 137,750 | $ 45,000 |
| Bloomington, IN | 4 | $ 963,000 | $ 240,750 | $ 127,000 |
| Canton-Massillon, OH | 4 | $ 629,000 | $ 157,250 | $ 92,000 |
| Fairbanks, AK | 4 | $ 1,218,000 | $ 304,500 | $ 106,000 |
| Fargo, ND-MN | 4 | $ 810,000 | $ 202,500 | $ 122,250 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 730,000 | $ 182,500 | $ 87,000 |
| Homosassa Springs, FL | 4 | $ 469,000 | $ 117,250 | $ 85,000 |
| Niles-Benton Harbor, MI | 4 | $ 1,113,000 | $ 278,250 | $ 143,000 |
| Racine, WI | 4 | $ 883,000 | $ 220,750 | $ 96,000 |
| Saginaw, MI | 4 | $ 546,000 | $ 136,500 | $ 85,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 689,000 | $ 172,250 | $ 89,000 |
| Topeka, KS | 4 | $ 456,000 | $ 114,000 | $ 57,000 |
| Alexandria, LA | 3 | $ 570,000 | $ 190,000 | $ 82,000 |
| Carbondale-Marion, IL | 3 | $ 537,000 | $ 179,000 | $ 82,000 |
| Decatur, AL | 3 | $ 397,000 | $ 132,333 | $ 60,000 |
| Fond Du Lac, WI | 3 | $ 554,000 | $ 184,666 | $ 149,000 |
| Goldsboro, NC | 3 | $ 328,000 | $ 109,333 | $ 57,000 |
| Greenville, NC | 3 | $ 454,000 | $ 151,333 | $ 83,000 |
| Hammond, LA | 3 | $ 517,000 | $ 172,333 | $ 72,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 478,000 | $ 159,333 | $ 98,000 |
| Houma-Thibodaux, LA | 3 | $ 680,000 | $ 226,666 | $ 87,000 |
| Jackson, TN | 3 | $ 341,000 | $ 113,666 | $ 48,000 |
| Kankakee, IL | 3 | $ 465,000 | $ 155,000 | $ 82,000 |
| Lewiston, ID-WA | 3 | $ 537,000 | $ 179,000 | $ 70,000 |
| Manhattan, KS | 3 | $ 422,000 | $ 140,666 | $ 60,000 |
| Monroe, MI | 3 | $ 292,000 | $ 97,333 | $ 103,000 |
| Rocky Mount, NC | 3 | $ 591,000 | $ 197,000 | $ 82,000 |
| Sheboygan, WI | 3 | $ 276,000 | $ 92,000 | $ 47,000 |
| Terre Haute, IN | 3 | $ 391,000 | $ 130,333 | $ 53,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 431,000 | $ 215,500 | $ 117,000 |
| Ames, IA | 2 | $ 504,000 | $ 252,000 | $ 116,000 |
| Battle Creek, MI | 2 | $ 197,000 | $ 98,500 | $ 109,000 |
| Bismarck, ND | 2 | $ 566,000 | $ 283,000 | $ 97,000 |
| Charleston, WV | 2 | $ 287,000 | $ 143,500 | $ 107,000 |
| Cumberland, MD-WV | 2 | $ 188,000 | $ 94,000 | $ 58,000 |
| Decatur, IL | 2 | $ 296,000 | $ 148,000 | $ 80,000 |
| Dutchess County-Putnam County, NY | 2 | $ 665,000 | $ 332,500 | $ 127,000 |
| Eau Claire, WI | 2 | $ 150,000 | $ 75,000 | $ 35,000 |
| Elmira, NY | 2 | $ 530,000 | $ 265,000 | $ 128,000 |
| Fort Smith, AR-OK | 2 | $ 269,000 | $ 134,500 | $ 54,000 |
| Jackson, MI | 2 | $ 480,000 | $ 240,000 | $ 127,000 |
| Johnson City, TN | 2 | $ 282,000 | $ 141,000 | $ 66,000 |
| Johnstown, PA | 2 | $ 309,000 | $ 154,500 | $ 72,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 452,000 | $ 226,000 | $ 91,000 |
| Lawton, OK | 2 | $ 174,000 | $ 87,000 | $ 37,000 |
| Lima, OH | 2 | $ 349,000 | $ 174,500 | $ 109,000 |
| Mansfield, OH | 2 | $ 215,000 | $ 107,500 | $ 31,000 |
| Muskegon, MI | 2 | $ 271,000 | $ 135,500 | $ 63,000 |
| Oshkosh-Neenah, WI | 2 | $ 321,000 | $ 160,500 | $ 88,000 |
| Owensboro, KY | 2 | $ 276,000 | $ 138,000 | $ 98,000 |
| Pittsfield, MA | 2 | $ 450,000 | $ 225,000 | $ 92,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 228,000 | $ 114,000 | $ 36,000 |
| Sioux City, IA-NE-SD | 2 | $ 228,000 | $ 114,000 | $ 86,000 |
| St. Joseph, MO-KS | 2 | $ 212,000 | $ 106,000 | $ 34,000 |
| Wichita Falls, TX | 2 | $ 378,000 | $ 189,000 | $ 62,000 |
| Bay City, MI | 1 | $ 68,000 | $ 68,000 | $ 63,000 |
| Cape Girardeau, MO-IL | 1 | $ 178,000 | $ 178,000 | $ 81,000 |
| Danville, IL | 1 | $ 56,000 | $ 56,000 | $ 27,000 |
| Grand Island, NE | 1 | $ 142,000 | $ 142,000 | $ 79,000 |
| Harrisonburg, VA | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Hot Springs, AR | 1 | $ 228,000 | $ 228,000 | $ 120,000 |
| Jonesboro, AR | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Lafayette-West Lafayette, IN | 1 | $ 234,000 | $ 234,000 | $ 92,000 |
| Lawrence, KS | 1 | $ 217,000 | $ 217,000 | $ 121,000 |
| Springfield, IL | 1 | $ 136,000 | $ 136,000 | $ 131,000 |
| Staunton-Waynesboro, VA | 1 | $ 122,000 | $ 122,000 | $ 22,000 |
| Wausau, WI | 1 | $ 165,000 | $ 165,000 | $ 161,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, LLC in 2014
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 | 48,365 | $12,019,175,000 | $248,000 | $2,500,000 | $91,000 | $2,075,000 |
| Refinancing | 28,412 | $7,903,345,000 | $278,000 | $3,000,000 | $99,000 | $4,462,000 |
| Home Improvement | 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 | 50,451 | $12,904,037,000 | $255,000 | $2,500,000 | $97,000 | $4,462,000 |
| Hispanic | 10,250 | $2,382,604,000 | $232,000 | $1,470,000 | $70,000 | $1,356,000 |
| Asian | 7,450 | $2,335,034,000 | $313,000 | $2,700,000 | $106,000 | $2,947,000 |
| Not Provided | 5,198 | $1,461,049,000 | $281,000 | $3,000,000 | $101,000 | $1,560,000 |
| Black or African American | 2,691 | $631,147,000 | $234,000 | $1,418,000 | $77,000 | $1,233,000 |
| Native Hawaiian or Other Pacific Islander | 490 | $149,612,000 | $305,000 | $1,600,000 | $96,000 | $373,000 |
| American Indian or Alaskan Native | 247 | $59,037,000 | $239,000 | $700,000 | $91,000 | $487,000 |
| 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) | 53,858 | $14,560,583,000 | $270,000 | $3,000,000 | $106,000 | $4,462,000 |
| FHA-insured (Federal Housing Administration) | 14,063 | $3,029,701,000 | $215,000 | $815,000 | $63,000 | $601,000 |
| VA-guaranteed (Veterans Administration) | 6,448 | $1,925,232,000 | $298,000 | $1,500,000 | $79,000 | $547,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,408 | $407,004,000 | $169,000 | $595,000 | $50,000 | $126,000 |
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 | 46,592 | $12,156,504,000 | $260,000 | $2,000,000 | $94,000 | $4,462,000 |
| Loan Purchased By The Institution | 16,349 | $4,076,652,000 | $249,000 | $2,500,000 | $95,000 | $2,947,000 |
| Application Approved But Not Accepted | 5,845 | $1,594,588,000 | $272,000 | $1,865,000 | $96,000 | $1,812,000 |
| Application Denied By Financial Institution | 3,357 | $916,680,000 | $273,000 | $3,000,000 | $86,000 | $2,229,000 |
| Application Withdrawn By Applicant | 3,219 | $801,401,000 | $248,000 | $2,000,000 | $94,000 | $1,560,000 |
| File Closed For Incompleteness | 1,415 | $376,695,000 | $266,000 | $1,725,000 | $85,000 | $844,000 |
| 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 | 987 | $288,098,000 | $291,000 | $3,000,000 | $64,000 | $384,000 |
| Collateral | 718 | $182,742,000 | $254,000 | $1,425,000 | $100,000 | $718,000 |
| Credit History | 692 | $183,858,000 | $265,000 | $1,470,000 | $93,000 | $2,229,000 |
| Other | 564 | $155,077,000 | $274,000 | $2,700,000 | $95,000 | $989,000 |
| Unverifiable Information | 150 | $41,651,000 | $277,000 | $1,320,000 | $93,000 | $626,000 |
| Employment History | 119 | $29,884,000 | $251,000 | $1,500,000 | $88,000 | $1,356,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 72 | $17,537,000 | $243,000 | $843,000 | $72,000 | $174,000 |
| Credit Application Incomplete | 52 | $17,282,000 | $332,000 | $1,985,000 | $110,000 | $519,000 |
| Mortgage Insurance Denied | 3 | $551,000 | $183,000 | $291,000 | $90,000 | $152,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, LLC's 2014 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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