Stearns Lending, LLC Mortgage Lending & HMDA Data, 2016
In 2016, Stearns Lending, LLC of Santa Ana, CA reported 113,477 mortgage applications totaling $30.8 billion, about the same as 2015. The average application was for $271,670, and applicants reported an average income of $61,281. 48% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (6,191), Denver-Aurora-Lakewood, CO (5,564) and Riverside-San Bernardino-Ontario, CA (5,103) (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 | 113,477 |
| Total Mortgage Loan Application Amount | $30,828,319,000 |
| Average Mortgage Loan Application Amount | $271,670 |
| Highest Mortgage Loan Application Amount | $2,520,000 |
| Average Applicant Income | $61,281 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records Stearns Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,191 | $ 2,315,827,000 | $ 374,063 | $ 87,000 |
| Denver-Aurora-Lakewood, CO | 5,564 | $ 1,611,345,000 | $ 289,601 | $ 40,000 |
| Riverside-San Bernardino-Ontario, CA | 5,103 | $ 1,382,964,000 | $ 271,009 | $ 75,000 |
| Las Vegas-Henderson-Paradise, NV | 3,285 | $ 754,942,000 | $ 229,814 | $ 53,000 |
| Anaheim-Santa Ana-Irvine, CA | 3,150 | $ 1,352,057,000 | $ 429,224 | $ 109,000 |
| Oakland-Hayward-Berkeley, CA | 2,850 | $ 1,216,267,000 | $ 426,760 | $ 108,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,720 | $ 633,856,000 | $ 233,035 | $ 43,000 |
| Salt Lake City, UT | 2,515 | $ 622,648,000 | $ 247,573 | $ 68,000 |
| San Diego-Carlsbad, CA | 2,483 | $ 965,269,000 | $ 388,751 | $ 83,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2,440 | $ 904,261,000 | $ 370,598 | $ 91,408 |
| Portland-Vancouver-Hillsboro, OR-WA | 2,283 | $ 618,776,000 | $ 271,036 | $ 53,508 |
| Chicago-Naperville-Arlington Heights, IL | 2,185 | $ 503,069,000 | $ 230,237 | $ 82,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2,114 | $ 475,340,000 | $ 224,853 | $ 59,659 |
| Atlanta-Sandy Springs-Roswell, GA | 1,955 | $ 471,315,000 | $ 241,081 | $ 21,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,833 | $ 414,448,000 | $ 226,103 | $ 46,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1,805 | $ 490,428,000 | $ 271,705 | $ 80,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,797 | $ 835,784,000 | $ 465,099 | $ 116,000 |
| Dallas-Plano-Irving, TX | 1,481 | $ 355,548,000 | $ 240,072 | $ 52,000 |
| Stockton-Lodi, CA | 1,474 | $ 339,025,000 | $ 230,003 | $ 75,000 |
| Ogden-Clearfield, UT | 1,419 | $ 323,680,000 | $ 228,104 | $ 65,000 |
| Provo-Orem, UT | 1,407 | $ 331,705,000 | $ 235,753 | $ 55,000 |
| Fresno, CA | 1,256 | $ 271,268,000 | $ 215,977 | $ 60,000 |
| Santa Rosa, CA | 1,233 | $ 446,170,000 | $ 361,857 | $ 114,000 |
| Urban Honolulu, HI | 1,226 | $ 564,508,000 | $ 460,446 | $ 39,000 |
| Modesto, CA | 1,163 | $ 252,949,000 | $ 217,496 | $ 69,000 |
| Baltimore-Columbia-Towson, MD | 1,144 | $ 312,503,000 | $ 273,166 | $ 54,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,096 | $ 225,129,000 | $ 205,409 | $ 58,000 |
| Eugene, OR | 1,085 | $ 231,774,000 | $ 213,616 | $ 31,000 |
| Austin-Round Rock, TX | 1,036 | $ 261,228,000 | $ 252,150 | $ 73,000 |
| San Francisco-Redwood City-South San Francisco, CA | 972 | $ 503,835,000 | $ 518,348 | $ 132,000 |
| Providence-Warwick, RI-MA | 960 | $ 235,122,000 | $ 244,918 | $ 67,516 |
| Colorado Springs, CO | 883 | $ 226,775,000 | $ 256,823 | $ 58,000 |
| Orlando-Kissimmee-Sanford, FL | 880 | $ 191,471,000 | $ 217,580 | $ 58,000 |
| New York-Jersey City-White Plains, NY-NJ | 834 | $ 240,947,000 | $ 288,905 | $ 34,000 |
| Seattle-Bellevue-Everett, WA | 787 | $ 245,427,000 | $ 311,851 | $ 43,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 771 | $ 306,688,000 | $ 397,779 | $ 98,000 |
| St. Louis, MO-IL | 764 | $ 157,830,000 | $ 206,583 | $ 14,827 |
| Montgomery County-Bucks County-Chester County, PA | 759 | $ 194,640,000 | $ 256,442 | $ 72,000 |
| Albuquerque, NM | 748 | $ 149,304,000 | $ 199,604 | $ 66,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 742 | $ 179,504,000 | $ 241,919 | $ 78,000 |
| Louisville/Jefferson County, KY-IN | 716 | $ 133,224,000 | $ 186,067 | $ 70,006 |
| Warren-Troy-Farmington Hills, MI | 682 | $ 155,688,000 | $ 228,281 | $ 29,000 |
| San Antonio-New Braunfels, TX | 666 | $ 154,991,000 | $ 232,719 | $ 45,000 |
| Pittsburgh, PA | 663 | $ 116,626,000 | $ 175,906 | $ 63,000 |
| Boston, MA | 623 | $ 188,279,000 | $ 302,213 | $ 67,000 |
| Cambridge-Newton-Framingham, MA | 616 | $ 185,809,000 | $ 301,637 | $ 45,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 560 | $ 137,247,000 | $ 245,083 | $ 62,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 556 | $ 75,062,000 | $ 135,003 | $ 60,000 |
| Fort Worth-Arlington, TX | 532 | $ 114,800,000 | $ 215,789 | $ 30,000 |
| Greeley, CO | 521 | $ 133,239,000 | $ 255,737 | $ 36,000 |
| Tucson, AZ | 516 | $ 104,607,000 | $ 202,726 | $ 22,000 |
| St. George, UT | 449 | $ 106,815,000 | $ 237,895 | $ 66,000 |
| Silver Spring-Frederick-Rockville, MD | 438 | $ 142,998,000 | $ 326,479 | $ 57,000 |
| Memphis, TN-MS-AR | 420 | $ 81,986,000 | $ 195,204 | $ 721 |
| Spokane-Spokane Valley, WA | 417 | $ 86,661,000 | $ 207,820 | $ 41,000 |
| Fort Collins, CO | 416 | $ 119,502,000 | $ 287,264 | $ 29,000 |
| Richmond, VA | 409 | $ 85,844,000 | $ 209,887 | $ 36,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 404 | $ 96,565,000 | $ 239,022 | $ 6,000 |
| Newark, NJ-PA | 402 | $ 111,085,000 | $ 276,330 | $ 39,835 |
| Philadelphia, PA | 389 | $ 82,496,000 | $ 212,071 | $ 55,000 |
| Santa Cruz-Watsonville, CA | 389 | $ 175,816,000 | $ 451,969 | $ 129,000 |
| Vallejo-Fairfield, CA | 389 | $ 115,424,000 | $ 296,719 | $ 79,000 |
| Bakersfield, CA | 388 | $ 74,981,000 | $ 193,250 | $ 61,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 374 | $ 96,352,000 | $ 257,625 | $ 19,652 |
| Columbus, OH | 372 | $ 69,432,000 | $ 186,645 | $ 34,000 |
| Port St. Lucie, FL | 351 | $ 67,529,000 | $ 192,390 | $ 55,000 |
| Miami-Miami Beach-Kendall, FL | 347 | $ 89,301,000 | $ 257,351 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 343 | $ 61,470,000 | $ 179,212 | $ 56,000 |
| Charlotte-Concord-Gastonia, NC-SC | 332 | $ 81,306,000 | $ 244,897 | $ 12,756 |
| Boulder, CO | 327 | $ 108,360,000 | $ 331,376 | $ 27,000 |
| Coeur D'Alene, ID | 317 | $ 72,635,000 | $ 229,132 | $ 60,000 |
| Indianapolis-Carmel-Anderson, IN | 315 | $ 59,258,000 | $ 188,120 | $ 40,000 |
| Raleigh, NC | 307 | $ 78,219,000 | $ 254,785 | $ 58,000 |
| Rockingham County-Strafford County, NH | 304 | $ 80,714,000 | $ 265,506 | $ 26,000 |
| Tacoma-Lakewood, WA | 291 | $ 77,804,000 | $ 267,367 | $ 36,000 |
| Salinas, CA | 286 | $ 101,642,000 | $ 355,391 | $ 97,000 |
| Camden, NJ | 270 | $ 55,189,000 | $ 204,403 | $ 29,000 |
| Kansas City, MO-KS | 269 | $ 54,021,000 | $ 200,821 | $ 7,033 |
| Cincinnati, OH-KY-IN | 267 | $ 44,941,000 | $ 168,318 | $ 51,670 |
| Logan, UT-ID | 263 | $ 49,490,000 | $ 188,174 | $ 53,980 |
| Wilmington, DE-MD-NJ | 262 | $ 58,933,000 | $ 224,935 | $ 38,679 |
| Missoula, MT | 260 | $ 63,565,000 | $ 244,480 | $ 85,000 |
| Salem, OR | 252 | $ 54,353,000 | $ 215,686 | $ 35,000 |
| Jacksonville, FL | 251 | $ 60,836,000 | $ 242,374 | $ 67,000 |
| Greenville-Anderson-Mauldin, SC | 245 | $ 51,236,000 | $ 209,126 | $ 25,000 |
| Des Moines-West Des Moines, IA | 242 | $ 41,824,000 | $ 172,826 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 241 | $ 58,282,000 | $ 241,834 | $ 72,813 |
| Madera, CA | 238 | $ 44,922,000 | $ 188,747 | $ 55,000 |
| Manchester-Nashua, NH | 237 | $ 58,280,000 | $ 245,907 | $ 13,000 |
| Milwaukee-Waukesha-West Allis, WI | 233 | $ 51,075,000 | $ 219,206 | $ 92,000 |
| North Port-Sarasota-Bradenton, FL | 228 | $ 52,049,000 | $ 228,285 | $ 44,000 |
| Santa Maria-Santa Barbara, CA | 223 | $ 80,844,000 | $ 362,529 | $ 85,000 |
| Rapid City, SD | 219 | $ 42,307,000 | $ 193,182 | $ 43,000 |
| Merced, CA | 213 | $ 44,193,000 | $ 207,478 | $ 72,000 |
| Prescott, AZ | 206 | $ 42,513,000 | $ 206,373 | $ 60,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 203 | $ 40,370,000 | $ 198,866 | $ 63,551 |
| Omaha-Council Bluffs, NE-IA | 203 | $ 35,747,000 | $ 176,093 | $ 48,586 |
| State College, PA | 195 | $ 39,815,000 | $ 204,179 | $ 78,000 |
| Boise City, ID | 194 | $ 42,595,000 | $ 219,561 | $ 35,000 |
| Cleveland-Elyria, OH | 192 | $ 34,420,000 | $ 179,270 | $ 15,000 |
| Lakeland-Winter Haven, FL | 191 | $ 30,689,000 | $ 160,675 | $ 29,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 190 | $ 72,381,000 | $ 380,952 | $ 70,000 |
| Worcester, MA-CT | 188 | $ 46,840,000 | $ 249,148 | $ 26,521 |
| Lake Havasu City-Kingman, AZ | 186 | $ 33,558,000 | $ 180,419 | $ 57,000 |
| Flagstaff, AZ | 182 | $ 47,674,000 | $ 261,945 | $ 99,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 181 | $ 34,758,000 | $ 192,033 | $ 55,000 |
| Portland-South Portland, ME | 180 | $ 42,826,000 | $ 237,922 | $ 34,000 |
| Detroit-Dearborn-Livonia, MI | 176 | $ 35,029,000 | $ 199,028 | $ 22,000 |
| Lancaster, PA | 176 | $ 30,629,000 | $ 174,028 | $ 62,000 |
| Montgomery, AL | 175 | $ 35,042,000 | $ 200,240 | $ 1,000 |
| Columbia, SC | 172 | $ 37,225,000 | $ 216,424 | $ 8,000 |
| Visalia-Porterville, CA | 171 | $ 36,012,000 | $ 210,596 | $ 30,000 |
| Elgin, IL | 157 | $ 31,149,000 | $ 198,401 | $ 67,000 |
| Naples-Immokalee-Marco Island, FL | 154 | $ 38,908,000 | $ 252,649 | $ 49,000 |
| Bend-Redmond, OR | 152 | $ 39,208,000 | $ 257,947 | $ 22,000 |
| Bridgeport-Stamford-Norwalk, CT | 151 | $ 52,549,000 | $ 348,006 | $ 85,000 |
| Palm Bay-Melbourne-Titusville, FL | 146 | $ 32,162,000 | $ 220,287 | $ 21,000 |
| Hartford-West Hartford-East Hartford, CT | 145 | $ 34,731,000 | $ 239,524 | $ 21,000 |
| San Rafael, CA | 145 | $ 66,890,000 | $ 461,310 | $ 106,000 |
| New Orleans-Metairie, LA | 144 | $ 31,799,000 | $ 220,826 | $ 2,000 |
| St. Cloud, MN | 141 | $ 24,320,000 | $ 172,482 | $ 73,000 |
| Harrisburg-Carlisle, PA | 134 | $ 25,770,000 | $ 192,313 | $ 60,000 |
| Salisbury, MD-DE | 134 | $ 30,147,000 | $ 224,977 | $ 67,716 |
| Charleston-North Charleston, SC | 131 | $ 31,948,000 | $ 243,877 | $ 7,000 |
| Barnstable Town, MA | 129 | $ 36,555,000 | $ 283,372 | $ 94,000 |
| El Centro, CA | 128 | $ 26,328,000 | $ 205,687 | $ 64,000 |
| Green Bay, WI | 126 | $ 19,364,000 | $ 153,682 | $ 45,000 |
| Santa Fe, NM | 126 | $ 32,341,000 | $ 256,674 | $ 97,000 |
| Augusta-Richmond County, GA-SC | 116 | $ 22,675,000 | $ 195,474 | $ 3,232 |
| Napa, CA | 115 | $ 47,331,000 | $ 411,573 | $ 117,000 |
| Kingsport-Bristol-Bristol, TN-VA | 114 | $ 15,746,000 | $ 138,122 | $ 48,649 |
| Reno, NV | 114 | $ 29,608,000 | $ 259,719 | $ 34,000 |
| Birmingham-Hoover, AL | 112 | $ 21,869,000 | $ 195,258 | $ 8,000 |
| El Paso, TX | 111 | $ 15,740,000 | $ 141,801 | $ 16,000 |
| Baton Rouge, LA | 108 | $ 21,286,000 | $ 197,092 | $ 8,000 |
| Redding, CA | 108 | $ 24,228,000 | $ 224,333 | $ 59,000 |
| East Stroudsburg, PA | 107 | $ 14,917,000 | $ 139,411 | $ 66,000 |
| Tulsa, OK | 106 | $ 20,179,000 | $ 190,367 | $ 25,000 |
| Oklahoma City, OK | 105 | $ 21,103,000 | $ 200,980 | $ 25,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 101 | $ 21,109,000 | $ 209,000 | $ 18,000 |
| Medford, OR | 100 | $ 23,992,000 | $ 239,920 | $ 48,000 |
| New Haven-Milford, CT | 98 | $ 23,364,000 | $ 238,408 | $ 24,000 |
| Albany, OR | 97 | $ 19,177,000 | $ 197,701 | $ 51,000 |
| Farmington, NM | 94 | $ 18,169,000 | $ 193,287 | $ 71,000 |
| Pueblo, CO | 94 | $ 14,727,000 | $ 156,670 | $ 52,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 93 | $ 18,892,000 | $ 203,139 | $ 49,000 |
| Hanford-Corcoran, CA | 91 | $ 18,267,000 | $ 200,736 | $ 44,000 |
| Savannah, GA | 91 | $ 19,109,000 | $ 209,989 | $ 3,000 |
| York-Hanover, PA | 90 | $ 17,068,000 | $ 189,644 | $ 47,000 |
| Huntsville, AL | 88 | $ 19,959,000 | $ 226,806 | $ 13,000 |
| Billings, MT | 87 | $ 18,524,000 | $ 212,919 | $ 40,000 |
| Bismarck, ND | 87 | $ 19,138,000 | $ 219,977 | $ 10,000 |
| Wilmington, NC | 87 | $ 21,023,000 | $ 241,643 | $ 71,000 |
| Ocala, FL | 83 | $ 11,158,000 | $ 134,433 | $ 46,000 |
| Grand Junction, CO | 78 | $ 16,784,000 | $ 215,179 | $ 23,000 |
| Kahului-Wailuku-Lahaina, HI | 78 | $ 34,136,000 | $ 437,641 | $ 51,000 |
| Flint, MI | 75 | $ 10,751,000 | $ 143,346 | $ 10,000 |
| Gainesville, GA | 75 | $ 14,988,000 | $ 199,840 | $ 14,000 |
| Walla Walla, WA | 75 | $ 12,805,000 | $ 170,733 | $ 69,000 |
| Ann Arbor, MI | 74 | $ 18,454,000 | $ 249,378 | $ 22,000 |
| Chattanooga, TN-GA | 73 | $ 13,683,000 | $ 187,438 | $ 12,657 |
| Olympia-Tumwater, WA | 69 | $ 16,034,000 | $ 232,376 | $ 23,000 |
| Punta Gorda, FL | 67 | $ 13,272,000 | $ 198,089 | $ 72,000 |
| Knoxville, TN | 66 | $ 12,942,000 | $ 196,090 | $ 7,000 |
| Killeen-Temple, TX | 65 | $ 11,212,000 | $ 172,492 | $ 26,000 |
| Lynchburg, VA | 64 | $ 10,764,000 | $ 168,187 | $ 48,000 |
| Dover, DE | 61 | $ 13,278,000 | $ 217,672 | $ 29,000 |
| Spartanburg, SC | 61 | $ 9,766,000 | $ 160,098 | $ 29,000 |
| Bremerton-Silverdale, WA | 58 | $ 15,119,000 | $ 260,672 | $ 22,000 |
| Longview, WA | 57 | $ 13,165,000 | $ 230,964 | $ 37,000 |
| Amarillo, TX | 55 | $ 9,900,000 | $ 180,000 | $ 2,000 |
| Springfield, MO | 54 | $ 8,977,000 | $ 166,240 | $ 22,000 |
| Yuba City, CA | 54 | $ 12,047,000 | $ 223,092 | $ 53,000 |
| Chico, CA | 53 | $ 13,013,000 | $ 245,528 | $ 111,000 |
| Durham-Chapel Hill, NC | 52 | $ 13,476,000 | $ 259,153 | $ 45,000 |
| Gary, IN | 52 | $ 9,895,000 | $ 190,288 | $ 18,000 |
| Trenton, NJ | 51 | $ 11,625,000 | $ 227,941 | $ 30,000 |
| Lafayette, LA | 50 | $ 9,957,000 | $ 199,140 | $ 2,000 |
| Fargo, ND-MN | 49 | $ 9,000,000 | $ 183,673 | $ 13,775 |
| Sebring, FL | 48 | $ 6,031,000 | $ 125,645 | $ 47,000 |
| Shreveport-Bossier City, LA | 48 | $ 8,624,000 | $ 179,666 | $ 0 |
| Reading, PA | 47 | $ 8,216,000 | $ 174,808 | $ 56,000 |
| Sebastian-Vero Beach, FL | 47 | $ 7,357,000 | $ 156,531 | $ 31,000 |
| Grand Rapids-Wyoming, MI | 46 | $ 10,352,000 | $ 225,043 | $ 12,000 |
| Idaho Falls, ID | 45 | $ 8,635,000 | $ 191,888 | $ 47,000 |
| Corvallis, OR | 44 | $ 11,254,000 | $ 255,772 | $ 31,000 |
| Wichita, KS | 44 | $ 6,982,000 | $ 158,681 | $ 14,000 |
| Kennewick-Richland, WA | 43 | $ 9,211,000 | $ 214,209 | $ 16,000 |
| Rochester, MN | 43 | $ 7,985,000 | $ 185,697 | $ 21,000 |
| Daphne-Fairhope-Foley, AL | 42 | $ 10,844,000 | $ 258,190 | $ 8,000 |
| Hagerstown-Martinsburg, MD-WV | 41 | $ 8,047,000 | $ 196,268 | $ 37,487 |
| Laredo, TX | 41 | $ 7,222,000 | $ 176,146 | $ 0 |
| Muskegon, MI | 40 | $ 5,477,000 | $ 136,925 | $ 0 |
| Warner Robins, GA | 40 | $ 7,524,000 | $ 188,100 | $ 7,000 |
| McAllen-Edinburg-Mission, TX | 39 | $ 6,121,000 | $ 156,948 | $ 20,000 |
| New Bern, NC | 39 | $ 6,946,000 | $ 178,102 | $ 67,000 |
| Akron, OH | 37 | $ 7,069,000 | $ 191,054 | $ 10,000 |
| Asheville, NC | 37 | $ 9,211,000 | $ 248,945 | $ 11,000 |
| Grand Forks, ND-MN | 37 | $ 7,034,000 | $ 190,108 | $ 6,054 |
| Yuma, AZ | 37 | $ 6,425,000 | $ 173,648 | $ 3,000 |
| Corpus Christi, TX | 35 | $ 7,770,000 | $ 222,000 | $ 31,000 |
| Little Rock-North Little Rock-Conway, AR | 35 | $ 7,550,000 | $ 215,714 | $ 19,000 |
| Tuscaloosa, AL | 35 | $ 6,282,000 | $ 179,485 | $ 19,000 |
| Winston-Salem, NC | 35 | $ 6,545,000 | $ 187,000 | $ 22,000 |
| Auburn-Opelika, AL | 34 | $ 7,919,000 | $ 232,911 | $ 17,000 |
| Springfield, MA | 34 | $ 7,455,000 | $ 219,264 | $ 29,000 |
| Winchester, VA-WV | 34 | $ 7,830,000 | $ 230,294 | $ 49,323 |
| California-Lexington Park, MD | 33 | $ 8,586,000 | $ 260,181 | $ 21,000 |
| Charlottesville, VA | 32 | $ 7,777,000 | $ 243,031 | $ 69,000 |
| Lexington-Fayette, KY | 32 | $ 5,700,000 | $ 178,125 | $ 32,000 |
| Lincoln, NE | 31 | $ 6,005,000 | $ 193,709 | $ 20,000 |
| Burlington-South Burlington, VT | 30 | $ 6,744,000 | $ 224,800 | $ 8,000 |
| Dayton, OH | 30 | $ 5,366,000 | $ 178,866 | $ 39,000 |
| Pensacola-Ferry Pass-Brent, FL | 30 | $ 6,636,000 | $ 221,200 | $ 31,000 |
| Midland, TX | 29 | $ 6,706,000 | $ 231,241 | $ 19,000 |
| Grants Pass, OR | 27 | $ 6,345,000 | $ 235,000 | $ 32,000 |
| Columbus, GA-AL | 26 | $ 5,412,000 | $ 208,153 | $ 7,307 |
| Great Falls, MT | 26 | $ 4,487,000 | $ 172,576 | $ 29,000 |
| Jackson, MS | 26 | $ 5,721,000 | $ 220,038 | $ 2,000 |
| Roanoke, VA | 26 | $ 5,883,000 | $ 226,269 | $ 45,000 |
| Sherman-Denison, TX | 26 | $ 5,317,000 | $ 204,500 | $ 19,000 |
| Tyler, TX | 26 | $ 4,055,000 | $ 155,961 | $ 44,000 |
| Athens-Clarke County, GA | 25 | $ 4,780,000 | $ 191,200 | $ 8,000 |
| Atlantic City-Hammonton, NJ | 25 | $ 5,308,000 | $ 212,320 | $ 9,000 |
| Anchorage, AK | 24 | $ 8,450,000 | $ 352,083 | $ 8,000 |
| Evansville, IN-KY | 24 | $ 4,170,000 | $ 173,750 | $ 34,000 |
| Lebanon, PA | 23 | $ 4,502,000 | $ 195,739 | $ 52,000 |
| Mount Vernon-Anacortes, WA | 23 | $ 5,364,000 | $ 233,217 | $ 18,000 |
| San Angelo, TX | 23 | $ 4,128,000 | $ 179,478 | $ 13,000 |
| Dothan, AL | 22 | $ 3,004,000 | $ 136,545 | $ 0 |
| Duluth, MN-WI | 22 | $ 4,355,000 | $ 197,954 | $ 50,000 |
| Sierra Vista-Douglas, AZ | 22 | $ 4,300,000 | $ 195,454 | $ 5,000 |
| Crestview-Fort Walton Beach-Destin, FL | 21 | $ 4,534,000 | $ 215,904 | $ 17,000 |
| Johnson City, TN | 21 | $ 3,054,000 | $ 145,428 | $ 40,000 |
| Bellingham, WA | 20 | $ 5,702,000 | $ 285,100 | $ 44,000 |
| Rome, GA | 20 | $ 2,617,000 | $ 130,850 | $ 3,000 |
| The Villages, FL | 20 | $ 4,232,000 | $ 211,600 | $ 35,000 |
| Beaumont-Port Arthur, TX | 19 | $ 3,654,000 | $ 192,315 | $ 41,000 |
| Fayetteville, NC | 19 | $ 3,726,000 | $ 196,105 | $ 19,000 |
| Fort Wayne, IN | 19 | $ 3,381,000 | $ 177,947 | $ 23,000 |
| Gettysburg, PA | 19 | $ 3,474,000 | $ 182,842 | $ 54,000 |
| Greensboro-High Point, NC | 19 | $ 4,247,000 | $ 223,526 | $ 18,000 |
| Gulfport-Biloxi-Pascagoula, MS | 19 | $ 3,518,000 | $ 185,157 | $ 7,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 19 | $ 5,083,000 | $ 267,526 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 19 | $ 2,426,000 | $ 127,684 | $ 24,263 |
| Brunswick, GA | 18 | $ 4,072,000 | $ 226,222 | $ 2,000 |
| Macon, GA | 18 | $ 2,786,000 | $ 154,777 | $ 0 |
| Springfield, OH | 18 | $ 2,031,000 | $ 112,833 | $ 33,000 |
| Wenatchee, WA | 18 | $ 4,267,000 | $ 237,055 | $ 28,000 |
| College Station-Bryan, TX | 17 | $ 3,920,000 | $ 230,588 | $ 36,000 |
| Gainesville, FL | 17 | $ 2,479,000 | $ 145,823 | $ 24,000 |
| Lewiston-Auburn, ME | 17 | $ 2,912,000 | $ 171,294 | $ 20,000 |
| Bangor, ME | 16 | $ 2,688,000 | $ 168,000 | $ 22,000 |
| Canton-Massillon, OH | 16 | $ 3,180,000 | $ 198,750 | $ 15,000 |
| Clarksville, TN-KY | 16 | $ 3,413,000 | $ 213,312 | $ 8,750 |
| Columbus, IN | 16 | $ 3,797,000 | $ 237,312 | $ 14,000 |
| Kalamazoo-Portage, MI | 16 | $ 3,789,000 | $ 236,812 | $ 15,000 |
| Lake Charles, LA | 16 | $ 3,396,000 | $ 212,250 | $ 0 |
| Las Cruces, NM | 16 | $ 2,754,000 | $ 172,125 | $ 35,000 |
| Lubbock, TX | 16 | $ 3,135,000 | $ 195,937 | $ 12,000 |
| Norwich-New London, CT | 16 | $ 4,212,000 | $ 263,250 | $ 41,000 |
| Panama City, FL | 16 | $ 3,847,000 | $ 240,437 | $ 10,000 |
| Vineland-Bridgeton, NJ | 16 | $ 2,728,000 | $ 170,500 | $ 20,000 |
| Abilene, TX | 15 | $ 2,822,000 | $ 188,133 | $ 9,000 |
| Altoona, PA | 15 | $ 2,244,000 | $ 149,600 | $ 29,000 |
| Appleton, WI | 15 | $ 3,117,000 | $ 207,800 | $ 45,000 |
| Blacksburg-Christiansburg-Radford, VA | 15 | $ 3,270,000 | $ 218,000 | $ 34,000 |
| Bowling Green, KY | 15 | $ 3,200,000 | $ 213,333 | $ 58,000 |
| Pocatello, ID | 15 | $ 2,415,000 | $ 161,000 | $ 65,000 |
| Tallahassee, FL | 15 | $ 2,801,000 | $ 186,733 | $ 71,000 |
| Williamsport, PA | 15 | $ 2,327,000 | $ 155,133 | $ 48,000 |
| Yakima, WA | 15 | $ 2,816,000 | $ 187,733 | $ 15,000 |
| Columbia, MO | 14 | $ 2,714,000 | $ 193,857 | $ 12,000 |
| Huntington-Ashland, WV-KY-OH | 14 | $ 2,432,000 | $ 173,714 | $ 7,785 |
| Hickory-Lenoir-Morganton, NC | 13 | $ 2,491,000 | $ 191,615 | $ 7,000 |
| Jacksonville, NC | 13 | $ 2,667,000 | $ 205,153 | $ 27,000 |
| Lansing-East Lansing, MI | 13 | $ 2,032,000 | $ 156,307 | $ 15,000 |
| Madison, WI | 13 | $ 3,231,000 | $ 248,538 | $ 27,000 |
| Manhattan, KS | 13 | $ 3,077,000 | $ 236,692 | $ 0 |
| Monroe, MI | 13 | $ 2,008,000 | $ 154,461 | $ 4,000 |
| Ocean City, NJ | 13 | $ 3,556,000 | $ 273,538 | $ 51,000 |
| Peoria, IL | 12 | $ 2,376,000 | $ 198,000 | $ 24,000 |
| Texarkana, TX-AR | 12 | $ 1,951,000 | $ 162,583 | $ 0 |
| Albany, GA | 11 | $ 1,826,000 | $ 166,000 | $ 53,000 |
| Brownsville-Harlingen, TX | 11 | $ 1,812,000 | $ 164,727 | $ 20,000 |
| Cleveland, TN | 11 | $ 1,698,000 | $ 154,363 | $ 0 |
| Decatur, AL | 11 | $ 1,883,000 | $ 171,181 | $ 8,000 |
| Hinesville, GA | 11 | $ 2,296,000 | $ 208,727 | $ 0 |
| Lewiston, ID-WA | 11 | $ 1,868,000 | $ 169,818 | $ 6,000 |
| Monroe, LA | 11 | $ 2,220,000 | $ 201,818 | $ 0 |
| Waco, TX | 11 | $ 2,359,000 | $ 214,454 | $ 10,000 |
| Dalton, GA | 10 | $ 1,115,000 | $ 111,500 | $ 0 |
| Midland, MI | 10 | $ 1,324,000 | $ 132,400 | $ 32,000 |
| Racine, WI | 10 | $ 2,110,000 | $ 211,000 | $ 34,000 |
| Rockford, IL | 10 | $ 1,496,000 | $ 149,600 | $ 41,000 |
| Saginaw, MI | 10 | $ 1,290,000 | $ 129,000 | $ 12,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 1,625,000 | $ 162,500 | $ 13,600 |
| Anniston-Oxford-Jacksonville, AL | 9 | $ 1,162,000 | $ 129,111 | $ 0 |
| Cape Girardeau, MO-IL | 9 | $ 1,388,000 | $ 154,222 | $ 24,000 |
| Jefferson City, MO | 9 | $ 1,616,000 | $ 179,555 | $ 3,000 |
| Kankakee, IL | 9 | $ 1,681,000 | $ 186,777 | $ 46,000 |
| Mankato-North Mankato, MN | 9 | $ 1,348,000 | $ 149,777 | $ 63,000 |
| Odessa, TX | 9 | $ 1,476,000 | $ 164,000 | $ 92,000 |
| Toledo, OH | 9 | $ 2,203,000 | $ 244,777 | $ 16,000 |
| Bloomington, IN | 8 | $ 1,508,000 | $ 188,500 | $ 83,000 |
| Burlington, NC | 8 | $ 1,486,000 | $ 185,750 | $ 4,000 |
| Cheyenne, WY | 8 | $ 1,564,000 | $ 195,500 | $ 55,000 |
| Homosassa Springs, FL | 8 | $ 1,160,000 | $ 145,000 | $ 8,000 |
| Sioux Falls, SD | 8 | $ 1,733,000 | $ 216,625 | $ 0 |
| Springfield, IL | 8 | $ 1,328,000 | $ 166,000 | $ 9,000 |
| Victoria, TX | 8 | $ 1,270,000 | $ 158,750 | $ 11,000 |
| Carson City, NV | 7 | $ 1,262,000 | $ 180,285 | $ 26,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 822,000 | $ 117,428 | $ 30,285 |
| Greenville, NC | 7 | $ 1,304,000 | $ 186,285 | $ 0 |
| Harrisonburg, VA | 7 | $ 1,894,000 | $ 270,571 | $ 52,000 |
| Houma-Thibodaux, LA | 7 | $ 1,672,000 | $ 238,857 | $ 0 |
| Michigan City-La Porte, IN | 7 | $ 1,010,000 | $ 144,285 | $ 40,000 |
| Mobile, AL | 7 | $ 969,000 | $ 138,428 | $ 0 |
| Owensboro, KY | 7 | $ 1,305,000 | $ 186,428 | $ 0 |
| Sumter, SC | 7 | $ 1,273,000 | $ 181,857 | $ 11,000 |
| Valdosta, GA | 7 | $ 1,260,000 | $ 180,000 | $ 6,000 |
| Alexandria, LA | 6 | $ 1,194,000 | $ 199,000 | $ 0 |
| Ames, IA | 6 | $ 803,000 | $ 133,833 | $ 65,000 |
| Elizabethtown-Fort Knox, KY | 6 | $ 879,000 | $ 146,500 | $ 39,000 |
| Elkhart-Goshen, IN | 6 | $ 1,248,000 | $ 208,000 | $ 0 |
| Fairbanks, AK | 6 | $ 1,301,000 | $ 216,833 | $ 0 |
| Florence-Muscle Shoals, AL | 6 | $ 1,052,000 | $ 175,333 | $ 10,000 |
| Hammond, LA | 6 | $ 784,000 | $ 130,666 | $ 7,000 |
| Hattiesburg, MS | 6 | $ 998,000 | $ 166,333 | $ 0 |
| Bloomsburg-Berwick, PA | 5 | $ 642,000 | $ 128,400 | $ 42,000 |
| Chambersburg-Waynesboro, PA | 5 | $ 955,000 | $ 191,000 | $ 13,000 |
| Champaign-Urbana, IL | 5 | $ 624,000 | $ 124,800 | $ 35,000 |
| Charleston, WV | 5 | $ 588,000 | $ 117,600 | $ 0 |
| Jackson, MI | 5 | $ 616,000 | $ 123,200 | $ 34,000 |
| Janesville-Beloit, WI | 5 | $ 828,000 | $ 165,600 | $ 70,000 |
| Jonesboro, AR | 5 | $ 1,133,000 | $ 226,600 | $ 0 |
| Morristown, TN | 5 | $ 820,000 | $ 164,000 | $ 0 |
| Wheeling, WV-OH | 5 | $ 745,000 | $ 149,000 | $ 0 |
| Bay City, MI | 4 | $ 361,000 | $ 90,250 | $ 50,000 |
| Cedar Rapids, IA | 4 | $ 504,000 | $ 126,000 | $ 24,000 |
| Dubuque, IA | 4 | $ 864,000 | $ 216,000 | $ 0 |
| Erie, PA | 4 | $ 1,189,000 | $ 297,250 | $ 72,000 |
| Florence, SC | 4 | $ 838,000 | $ 209,500 | $ 0 |
| Gadsden, AL | 4 | $ 700,000 | $ 175,000 | $ 0 |
| Joplin, MO | 4 | $ 603,000 | $ 150,750 | $ 18,000 |
| La Crosse-Onalaska, WI-MN | 4 | $ 836,000 | $ 209,000 | $ 18,500 |
| Lawton, OK | 4 | $ 863,000 | $ 215,750 | $ 0 |
| Longview, TX | 4 | $ 814,000 | $ 203,500 | $ 40,000 |
| Mansfield, OH | 4 | $ 443,000 | $ 110,750 | $ 20,000 |
| Staunton-Waynesboro, VA | 4 | $ 942,000 | $ 235,500 | $ 0 |
| Topeka, KS | 4 | $ 564,000 | $ 141,000 | $ 0 |
| Fond Du Lac, WI | 3 | $ 534,000 | $ 178,000 | $ 0 |
| Fort Smith, AR-OK | 3 | $ 631,000 | $ 210,333 | $ 0 |
| Jackson, TN | 3 | $ 650,000 | $ 216,666 | $ 43,000 |
| Kokomo, IN | 3 | $ 524,000 | $ 174,666 | $ 0 |
| Lafayette-West Lafayette, IN | 3 | $ 410,000 | $ 136,666 | $ 21,000 |
| Muncie, IN | 3 | $ 395,000 | $ 131,666 | $ 29,000 |
| Pine Bluff, AR | 3 | $ 478,000 | $ 159,333 | $ 0 |
| Terre Haute, IN | 3 | $ 310,000 | $ 103,333 | $ 82,000 |
| Wichita Falls, TX | 3 | $ 629,000 | $ 209,666 | $ 0 |
| Goldsboro, NC | 2 | $ 306,000 | $ 153,000 | $ 0 |
| Hot Springs, AR | 2 | $ 420,000 | $ 210,000 | $ 55,000 |
| Johnstown, PA | 2 | $ 260,000 | $ 130,000 | $ 82,000 |
| Lima, OH | 2 | $ 229,000 | $ 114,500 | $ 20,000 |
| Oshkosh-Neenah, WI | 2 | $ 524,000 | $ 262,000 | $ 0 |
| Parkersburg-Vienna, WV | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Rocky Mount, NC | 2 | $ 377,000 | $ 188,500 | $ 31,000 |
| Sheboygan, WI | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Wausau, WI | 2 | $ 436,000 | $ 218,000 | $ 0 |
| Battle Creek, MI | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
| Beckley, WV | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Bloomington, IL | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Danville, IL | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Decatur, IL | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Eau Claire, WI | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Grand Island, NE | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 91,000 | $ 91,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, LLC in 2016
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 | 63,671 | $16,337,849,000 | $256,000 | $2,520,000 | $57,000 | $6,473,000 |
| Refinancing | 48,241 | $14,042,985,000 | $291,000 | $2,250,000 | $66,000 | $9,999,000 |
| Home Improvement | 1,565 | $447,485,000 | $285,000 | $1,620,000 | $90,000 | $2,389,000 |
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 | 44,945 | $12,276,856,000 | $273,000 | $2,475,000 | $98,000 | $6,473,000 |
| Not applicable | 40,085 | $10,448,532,000 | $260,000 | $2,250,000 | $0 | $0 |
| Hispanic | 12,607 | $3,146,592,000 | $249,000 | $1,064,000 | $74,000 | $9,999,000 |
| Asian | 6,737 | $2,322,670,000 | $344,000 | $2,520,000 | $114,000 | $1,920,000 |
| Not Provided | 5,266 | $1,614,245,000 | $306,000 | $1,813,000 | $102,000 | $2,950,000 |
| Black or African American | 3,116 | $793,361,000 | $254,000 | $1,149,000 | $76,000 | $2,400,000 |
| Native Hawaiin or Other Pacific Islander | 471 | $157,468,000 | $334,000 | $1,043,000 | $94,000 | $479,000 |
| American Indian or Alaskan Native | 250 | $68,595,000 | $274,000 | $988,000 | $94,000 | $548,000 |
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) | 71,871 | $20,368,396,000 | $283,000 | $2,520,000 | $72,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 26,562 | $6,157,923,000 | $231,000 | $1,000,000 | $45,000 | $1,346,000 |
| VA-guaranteed (Veterans Administration) | 12,732 | $3,920,074,000 | $307,000 | $2,250,000 | $40,000 | $2,033,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,312 | $381,926,000 | $165,000 | $631,000 | $34,000 | $138,000 |
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 | 54,339 | $15,120,601,000 | $278,000 | $2,475,000 | $94,000 | $6,473,000 |
| Loan Purchased By The Institution | 40,085 | $10,448,532,000 | $260,000 | $2,250,000 | $0 | $0 |
| Application Denied By Financial Institution | 10,115 | $2,804,988,000 | $277,000 | $2,520,000 | $96,000 | $9,999,000 |
| Application Withdrawn By Applicant | 6,409 | $1,749,405,000 | $272,000 | $2,240,000 | $95,000 | $2,950,000 |
| File Closed For Incompleteness | 1,863 | $523,640,000 | $281,000 | $1,113,000 | $92,000 | $2,262,000 |
| Application Approved But Not Accepted | 666 | $181,153,000 | $272,000 | $2,047,000 | $89,000 | $1,424,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 4,529 | $1,310,974,000 | $289,000 | $2,520,000 | $103,000 | $5,400,000 |
| Collateral | 1,740 | $452,090,000 | $259,000 | $1,960,000 | $100,000 | $1,390,000 |
| Debt-To-Income Ratio | 1,584 | $451,093,000 | $284,000 | $1,600,000 | $83,000 | $9,999,000 |
| Credit History | 989 | $262,264,000 | $265,000 | $2,065,000 | $83,000 | $596,000 |
| Other | 621 | $158,596,000 | $255,000 | $1,250,000 | $91,000 | $911,000 |
| Credit Application Incomplete | 382 | $102,968,000 | $269,000 | $932,000 | $101,000 | $877,000 |
| Employment History | 150 | $38,814,000 | $258,000 | $900,000 | $76,000 | $540,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 118 | $27,561,000 | $233,000 | $640,000 | $78,000 | $339,000 |
| Mortgage Insurance Denied | 2 | $628,000 | $314,000 | $551,000 | $111,000 | $143,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, LLC's 2016 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About