Stearns Lending, LLC Mortgage Lending & HMDA Data, 2017
In 2017, Stearns Lending, LLC of Santa Ana, CA reported 77,769 mortgage applications totaling $21.7 billion, down 31% from 2016. The average application was for $278,807, and applicants reported an average income of $82,457. 60% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (3,926), Los Angeles-Long Beach-Glendale, CA (3,788) and Denver-Aurora-Lakewood, CO (3,228) (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 | 77,769 |
| Total Mortgage Loan Application Amount | $21,682,550,000 |
| Average Mortgage Loan Application Amount | $278,807 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $82,457 |
| Highest Applicant Income | $5,193,000 |
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Act (HMDA) records Stearns Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 3,926 | $ 1,146,706,000 | $ 292,079 | $ 97,000 |
| Los Angeles-Long Beach-Glendale, CA | 3,788 | $ 1,553,507,000 | $ 410,112 | $ 112,000 |
| Denver-Aurora-Lakewood, CO | 3,228 | $ 1,025,144,000 | $ 317,578 | $ 59,000 |
| Las Vegas-Henderson-Paradise, NV | 2,584 | $ 637,322,000 | $ 246,641 | $ 80,000 |
| Houston-The Woodlands-Sugar Land, TX | 2,183 | $ 486,902,000 | $ 223,042 | $ 42,000 |
| Oakland-Hayward-Berkeley, CA | 2,018 | $ 928,053,000 | $ 459,887 | $ 114,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,749 | $ 414,466,000 | $ 236,973 | $ 67,000 |
| San Diego-Carlsbad, CA | 1,725 | $ 740,843,000 | $ 429,474 | $ 109,000 |
| Chicago-Naperville-Arlington Heights, IL | 1,715 | $ 368,053,000 | $ 214,608 | $ 82,000 |
| Anaheim-Santa Ana-Irvine, CA | 1,681 | $ 781,665,000 | $ 465,000 | $ 132,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,680 | $ 633,523,000 | $ 377,097 | $ 118,823 |
| Salt Lake City, UT | 1,610 | $ 430,705,000 | $ 267,518 | $ 89,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1,535 | $ 474,848,000 | $ 309,347 | $ 99,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,504 | $ 318,369,000 | $ 211,681 | $ 65,216 |
| Portland-Vancouver-Hillsboro, OR-WA | 1,386 | $ 400,814,000 | $ 289,187 | $ 77,621 |
| Stockton-Lodi, CA | 1,285 | $ 311,791,000 | $ 242,638 | $ 80,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,058 | $ 248,080,000 | $ 234,480 | $ 77,000 |
| Dallas-Plano-Irving, TX | 1,051 | $ 258,734,000 | $ 246,178 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,044 | $ 223,943,000 | $ 214,504 | $ 71,000 |
| Orlando-Kissimmee-Sanford, FL | 1,037 | $ 239,690,000 | $ 231,137 | $ 69,000 |
| Modesto, CA | 974 | $ 223,694,000 | $ 229,665 | $ 75,000 |
| Austin-Round Rock, TX | 934 | $ 240,646,000 | $ 257,650 | $ 56,000 |
| San Antonio-New Braunfels, TX | 915 | $ 203,405,000 | $ 222,300 | $ 46,000 |
| Urban Honolulu, HI | 907 | $ 432,688,000 | $ 477,054 | $ 54,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 899 | $ 451,338,000 | $ 502,044 | $ 142,000 |
| Colorado Springs, CO | 872 | $ 224,849,000 | $ 257,854 | $ 84,000 |
| Fresno, CA | 860 | $ 207,972,000 | $ 241,827 | $ 81,000 |
| Ogden-Clearfield, UT | 850 | $ 207,630,000 | $ 244,270 | $ 82,000 |
| Louisville/Jefferson County, KY-IN | 767 | $ 147,870,000 | $ 192,790 | $ 82,624 |
| Provo-Orem, UT | 767 | $ 200,416,000 | $ 261,298 | $ 86,000 |
| Providence-Warwick, RI-MA | 668 | $ 167,291,000 | $ 250,435 | $ 78,164 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 645 | $ 159,985,000 | $ 248,038 | $ 92,000 |
| Warren-Troy-Farmington Hills, MI | 611 | $ 137,873,000 | $ 225,651 | $ 53,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 597 | $ 78,699,000 | $ 131,824 | $ 62,000 |
| Baltimore-Columbia-Towson, MD | 589 | $ 159,841,000 | $ 271,376 | $ 86,000 |
| Eugene, OR | 574 | $ 130,097,000 | $ 226,649 | $ 42,000 |
| Santa Rosa, CA | 553 | $ 220,625,000 | $ 398,960 | $ 138,000 |
| Jacksonville, FL | 547 | $ 125,170,000 | $ 228,829 | $ 56,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 501 | $ 214,798,000 | $ 428,738 | $ 113,000 |
| Montgomery County-Bucks County-Chester County, PA | 495 | $ 135,763,000 | $ 274,268 | $ 90,000 |
| Albuquerque, NM | 494 | $ 96,091,000 | $ 194,516 | $ 89,000 |
| San Francisco-Redwood City-South San Francisco, CA | 484 | $ 277,313,000 | $ 572,960 | $ 154,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 446 | $ 113,236,000 | $ 253,892 | $ 88,000 |
| Pittsburgh, PA | 391 | $ 65,318,000 | $ 167,053 | $ 69,000 |
| Miami-Miami Beach-Kendall, FL | 355 | $ 94,039,000 | $ 264,898 | $ 83,000 |
| Boston, MA | 351 | $ 121,020,000 | $ 344,786 | $ 99,000 |
| St. George, UT | 350 | $ 84,646,000 | $ 241,845 | $ 87,000 |
| New York-Jersey City-White Plains, NY-NJ | 348 | $ 105,447,000 | $ 303,008 | $ 115,000 |
| Richmond, VA | 348 | $ 68,328,000 | $ 196,344 | $ 62,000 |
| Bakersfield, CA | 341 | $ 66,273,000 | $ 194,348 | $ 84,000 |
| Tucson, AZ | 341 | $ 66,910,000 | $ 196,217 | $ 51,000 |
| Port St. Lucie, FL | 318 | $ 66,146,000 | $ 208,006 | $ 84,000 |
| Fort Worth-Arlington, TX | 297 | $ 64,508,000 | $ 217,198 | $ 74,000 |
| Greeley, CO | 287 | $ 79,603,000 | $ 277,362 | $ 56,000 |
| Columbus, OH | 286 | $ 49,897,000 | $ 174,465 | $ 78,000 |
| Fort Collins, CO | 271 | $ 79,055,000 | $ 291,715 | $ 42,000 |
| Silver Spring-Frederick-Rockville, MD | 267 | $ 90,440,000 | $ 338,726 | $ 93,000 |
| Cambridge-Newton-Framingham, MA | 261 | $ 93,873,000 | $ 359,666 | $ 92,000 |
| Des Moines-West Des Moines, IA | 255 | $ 44,763,000 | $ 175,541 | $ 73,000 |
| Spokane-Spokane Valley, WA | 255 | $ 50,307,000 | $ 197,282 | $ 51,000 |
| Vallejo-Fairfield, CA | 254 | $ 84,937,000 | $ 334,397 | $ 95,000 |
| Santa Cruz-Watsonville, CA | 247 | $ 122,784,000 | $ 497,101 | $ 144,000 |
| Cape Coral-Fort Myers, FL | 245 | $ 49,910,000 | $ 203,714 | $ 69,000 |
| Santa Fe, NM | 238 | $ 58,156,000 | $ 244,352 | $ 108,000 |
| Seattle-Bellevue-Everett, WA | 222 | $ 74,045,000 | $ 333,536 | $ 86,000 |
| St. Louis, MO-IL | 217 | $ 43,716,000 | $ 201,456 | $ 48,981 |
| Indianapolis-Carmel-Anderson, IN | 216 | $ 40,518,000 | $ 187,583 | $ 54,000 |
| Boulder, CO | 211 | $ 79,945,000 | $ 378,886 | $ 47,000 |
| Charlotte-Concord-Gastonia, NC-SC | 207 | $ 44,805,000 | $ 216,449 | $ 33,434 |
| Deltona-Daytona Beach-Ormond Beach, FL | 202 | $ 38,929,000 | $ 192,717 | $ 62,000 |
| Philadelphia, PA | 200 | $ 48,561,000 | $ 242,805 | $ 90,000 |
| Newark, NJ-PA | 199 | $ 56,860,000 | $ 285,728 | $ 73,874 |
| Lancaster, PA | 198 | $ 31,909,000 | $ 161,156 | $ 71,000 |
| Raleigh, NC | 196 | $ 52,109,000 | $ 265,862 | $ 51,000 |
| Madera, CA | 193 | $ 41,565,000 | $ 215,362 | $ 77,000 |
| Merced, CA | 188 | $ 42,047,000 | $ 223,654 | $ 70,000 |
| Salinas, CA | 185 | $ 70,492,000 | $ 381,037 | $ 127,000 |
| Milwaukee-Waukesha-West Allis, WI | 183 | $ 39,987,000 | $ 218,508 | $ 96,000 |
| Salem, OR | 181 | $ 42,080,000 | $ 232,486 | $ 56,000 |
| Santa Maria-Santa Barbara, CA | 180 | $ 82,359,000 | $ 457,550 | $ 137,000 |
| Flagstaff, AZ | 179 | $ 53,353,000 | $ 298,061 | $ 122,000 |
| Coeur D'Alene, ID | 178 | $ 41,226,000 | $ 231,606 | $ 81,000 |
| North Port-Sarasota-Bradenton, FL | 166 | $ 37,236,000 | $ 224,313 | $ 63,000 |
| Logan, UT-ID | 162 | $ 31,539,000 | $ 194,685 | $ 71,296 |
| Prescott, AZ | 161 | $ 32,789,000 | $ 203,658 | $ 75,000 |
| State College, PA | 159 | $ 33,109,000 | $ 208,232 | $ 95,000 |
| New Orleans-Metairie, LA | 156 | $ 30,792,000 | $ 197,384 | $ 66,000 |
| Detroit-Dearborn-Livonia, MI | 154 | $ 30,399,000 | $ 197,396 | $ 58,000 |
| El Centro, CA | 151 | $ 31,853,000 | $ 210,947 | $ 76,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 149 | $ 27,951,000 | $ 187,590 | $ 68,302 |
| Lakeland-Winter Haven, FL | 148 | $ 25,592,000 | $ 172,918 | $ 57,000 |
| Cincinnati, OH-KY-IN | 147 | $ 25,923,000 | $ 176,346 | $ 53,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 144 | $ 36,869,000 | $ 256,034 | $ 40,000 |
| New Bern, NC | 140 | $ 23,500,000 | $ 167,857 | $ 77,000 |
| Missoula, MT | 134 | $ 33,630,000 | $ 250,970 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 133 | $ 34,219,000 | $ 257,285 | $ 77,759 |
| Greenville-Anderson-Mauldin, SC | 130 | $ 24,242,000 | $ 186,476 | $ 46,000 |
| Savannah, GA | 130 | $ 23,689,000 | $ 182,223 | $ 58,000 |
| Napa, CA | 129 | $ 61,943,000 | $ 480,178 | $ 179,000 |
| Elgin, IL | 128 | $ 22,534,000 | $ 176,046 | $ 71,000 |
| Camden, NJ | 122 | $ 24,927,000 | $ 204,319 | $ 86,000 |
| Bridgeport-Stamford-Norwalk, CT | 121 | $ 40,683,000 | $ 336,223 | $ 101,000 |
| Billings, MT | 120 | $ 24,518,000 | $ 204,316 | $ 31,000 |
| Lake County-Kenosha County, IL-WI | 120 | $ 32,233,000 | $ 268,608 | $ 102,050 |
| Visalia-Porterville, CA | 119 | $ 23,437,000 | $ 196,949 | $ 69,000 |
| Lake Havasu City-Kingman, AZ | 118 | $ 19,244,000 | $ 163,084 | $ 57,000 |
| Baton Rouge, LA | 116 | $ 26,594,000 | $ 229,258 | $ 98,000 |
| Pueblo, CO | 112 | $ 17,075,000 | $ 152,455 | $ 53,000 |
| Boise City, ID | 106 | $ 27,285,000 | $ 257,405 | $ 39,000 |
| Rochester, MN | 104 | $ 17,862,000 | $ 171,750 | $ 13,000 |
| East Stroudsburg, PA | 102 | $ 14,636,000 | $ 143,490 | $ 79,000 |
| Lynchburg, VA | 102 | $ 16,239,000 | $ 159,205 | $ 59,000 |
| San Rafael, CA | 101 | $ 55,881,000 | $ 553,277 | $ 161,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 100 | $ 21,710,000 | $ 217,100 | $ 101,080 |
| Brunswick, GA | 89 | $ 19,748,000 | $ 221,887 | $ 90,000 |
| Kansas City, MO-KS | 89 | $ 18,890,000 | $ 212,247 | $ 35,528 |
| Punta Gorda, FL | 89 | $ 16,890,000 | $ 189,775 | $ 70,000 |
| Redding, CA | 88 | $ 19,431,000 | $ 220,806 | $ 83,000 |
| Worcester, MA-CT | 88 | $ 21,951,000 | $ 249,443 | $ 64,500 |
| Barnstable Town, MA | 87 | $ 24,611,000 | $ 282,885 | $ 107,000 |
| Kingsport-Bristol-Bristol, TN-VA | 87 | $ 11,965,000 | $ 137,528 | $ 56,896 |
| Springfield, MO | 86 | $ 13,214,000 | $ 153,651 | $ 7,000 |
| Tacoma-Lakewood, WA | 83 | $ 24,712,000 | $ 297,734 | $ 76,000 |
| Huntsville, AL | 79 | $ 17,653,000 | $ 223,455 | $ 6,000 |
| Rockingham County-Strafford County, NH | 74 | $ 22,073,000 | $ 298,283 | $ 93,000 |
| Hartford-West Hartford-East Hartford, CT | 72 | $ 15,688,000 | $ 217,888 | $ 72,000 |
| Wilmington, DE-MD-NJ | 72 | $ 13,100,000 | $ 181,944 | $ 57,138 |
| Naples-Immokalee-Marco Island, FL | 71 | $ 21,533,000 | $ 303,281 | $ 101,000 |
| St. Cloud, MN | 68 | $ 10,529,000 | $ 154,838 | $ 37,000 |
| Wilmington, NC | 68 | $ 15,741,000 | $ 231,485 | $ 93,000 |
| Hanford-Corcoran, CA | 67 | $ 14,868,000 | $ 221,910 | $ 79,000 |
| Birmingham-Hoover, AL | 66 | $ 11,630,000 | $ 176,212 | $ 18,000 |
| Harrisburg-Carlisle, PA | 65 | $ 12,142,000 | $ 186,800 | $ 80,000 |
| Ocala, FL | 65 | $ 9,055,000 | $ 139,307 | $ 53,000 |
| Omaha-Council Bluffs, NE-IA | 65 | $ 12,020,000 | $ 184,923 | $ 20,953 |
| Sebring, FL | 65 | $ 8,985,000 | $ 138,230 | $ 51,000 |
| Blacksburg-Christiansburg-Radford, VA | 64 | $ 12,128,000 | $ 189,500 | $ 74,000 |
| Oklahoma City, OK | 64 | $ 12,604,000 | $ 196,937 | $ 35,000 |
| Bend-Redmond, OR | 62 | $ 17,031,000 | $ 274,693 | $ 93,000 |
| Winston-Salem, NC | 62 | $ 13,168,000 | $ 212,387 | $ 87,000 |
| Farmington, NM | 61 | $ 11,173,000 | $ 183,163 | $ 69,000 |
| Palm Bay-Melbourne-Titusville, FL | 60 | $ 14,118,000 | $ 235,300 | $ 45,000 |
| Evansville, IN-KY | 59 | $ 9,349,000 | $ 158,457 | $ 67,288 |
| Spartanburg, SC | 59 | $ 8,996,000 | $ 152,474 | $ 51,000 |
| Springfield, MA | 59 | $ 10,818,000 | $ 183,355 | $ 51,000 |
| Charleston-North Charleston, SC | 58 | $ 14,044,000 | $ 242,137 | $ 27,000 |
| Medford, OR | 58 | $ 14,023,000 | $ 241,775 | $ 78,000 |
| York-Hanover, PA | 56 | $ 9,643,000 | $ 172,196 | $ 61,000 |
| Albany, OR | 54 | $ 11,991,000 | $ 222,055 | $ 60,000 |
| Lafayette, LA | 54 | $ 11,393,000 | $ 210,981 | $ 85,000 |
| Portland-South Portland, ME | 54 | $ 12,287,000 | $ 227,537 | $ 79,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 51 | $ 22,067,000 | $ 432,686 | $ 162,000 |
| Grand Rapids-Wyoming, MI | 49 | $ 7,836,000 | $ 159,918 | $ 29,000 |
| Greensboro-High Point, NC | 46 | $ 9,412,000 | $ 204,608 | $ 77,000 |
| Manchester-Nashua, NH | 46 | $ 11,421,000 | $ 248,282 | $ 95,000 |
| Knoxville, TN | 45 | $ 10,638,000 | $ 236,400 | $ 44,000 |
| El Paso, TX | 44 | $ 5,984,000 | $ 136,000 | $ 51,000 |
| Salisbury, MD-DE | 44 | $ 9,483,000 | $ 215,522 | $ 141,295 |
| Trenton, NJ | 44 | $ 10,909,000 | $ 247,931 | $ 79,000 |
| Lebanon, PA | 43 | $ 7,154,000 | $ 166,372 | $ 67,000 |
| Yuba City, CA | 43 | $ 9,716,000 | $ 225,953 | $ 83,000 |
| Gainesville, GA | 42 | $ 8,358,000 | $ 199,000 | $ 77,000 |
| Chico, CA | 40 | $ 8,968,000 | $ 224,200 | $ 70,000 |
| Columbia, SC | 40 | $ 7,989,000 | $ 199,725 | $ 40,000 |
| Gary, IN | 40 | $ 7,519,000 | $ 187,975 | $ 49,000 |
| Memphis, TN-MS-AR | 39 | $ 7,975,000 | $ 204,487 | $ 30,461 |
| Killeen-Temple, TX | 38 | $ 6,880,000 | $ 181,052 | $ 49,000 |
| New Haven-Milford, CT | 38 | $ 9,866,000 | $ 259,631 | $ 98,000 |
| Reading, PA | 38 | $ 8,108,000 | $ 213,368 | $ 72,000 |
| Reno, NV | 38 | $ 9,510,000 | $ 250,263 | $ 81,000 |
| Pensacola-Ferry Pass-Brent, FL | 36 | $ 7,843,000 | $ 217,861 | $ 53,000 |
| Lexington-Fayette, KY | 35 | $ 8,037,000 | $ 229,628 | $ 84,000 |
| Winchester, VA-WV | 35 | $ 8,394,000 | $ 239,828 | $ 99,000 |
| Cleveland-Elyria, OH | 33 | $ 6,403,000 | $ 194,030 | $ 47,000 |
| Grand Junction, CO | 33 | $ 7,094,000 | $ 214,969 | $ 62,000 |
| Ocean City, NJ | 33 | $ 9,207,000 | $ 279,000 | $ 186,000 |
| Duluth, MN-WI | 32 | $ 4,112,000 | $ 128,500 | $ 11,812 |
| Midland, TX | 31 | $ 8,560,000 | $ 276,129 | $ 16,000 |
| Flint, MI | 30 | $ 5,695,000 | $ 189,833 | $ 68,000 |
| Idaho Falls, ID | 29 | $ 5,678,000 | $ 195,793 | $ 89,000 |
| Rapid City, SD | 29 | $ 5,864,000 | $ 202,206 | $ 50,000 |
| Crestview-Fort Walton Beach-Destin, FL | 28 | $ 5,611,000 | $ 200,392 | $ 58,000 |
| Lima, OH | 28 | $ 3,608,000 | $ 128,857 | $ 62,000 |
| Mankato-North Mankato, MN | 28 | $ 5,001,000 | $ 178,607 | $ 69,000 |
| Ann Arbor, MI | 27 | $ 5,966,000 | $ 220,962 | $ 67,000 |
| Walla Walla, WA | 27 | $ 5,665,000 | $ 209,814 | $ 84,000 |
| Anchorage, AK | 25 | $ 8,541,000 | $ 341,640 | $ 19,000 |
| Chattanooga, TN-GA | 25 | $ 5,479,000 | $ 219,160 | $ 57,560 |
| Jacksonville, NC | 25 | $ 4,883,000 | $ 195,320 | $ 57,000 |
| Charlottesville, VA | 24 | $ 6,284,000 | $ 261,833 | $ 78,000 |
| Corvallis, OR | 24 | $ 5,724,000 | $ 238,500 | $ 68,000 |
| Albany, GA | 23 | $ 3,299,000 | $ 143,434 | $ 54,000 |
| Asheville, NC | 23 | $ 4,435,000 | $ 192,826 | $ 22,000 |
| Columbus, GA-AL | 23 | $ 5,057,000 | $ 219,869 | $ 57,782 |
| Durham-Chapel Hill, NC | 23 | $ 5,522,000 | $ 240,086 | $ 44,000 |
| Hagerstown-Martinsburg, MD-WV | 23 | $ 4,545,000 | $ 197,608 | $ 52,652 |
| Olympia-Tumwater, WA | 23 | $ 6,801,000 | $ 295,695 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 22 | $ 5,091,000 | $ 231,409 | $ 15,000 |
| Johnson City, TN | 22 | $ 3,460,000 | $ 157,272 | $ 66,000 |
| Longview, WA | 22 | $ 5,158,000 | $ 234,454 | $ 70,000 |
| Lansing-East Lansing, MI | 20 | $ 3,354,000 | $ 167,700 | $ 48,000 |
| Tulsa, OK | 20 | $ 4,200,000 | $ 210,000 | $ 49,000 |
| Wichita, KS | 20 | $ 3,711,000 | $ 185,550 | $ 32,000 |
| Columbus, IN | 18 | $ 2,407,000 | $ 133,722 | $ 50,000 |
| Grants Pass, OR | 18 | $ 3,602,000 | $ 200,111 | $ 62,000 |
| Kahului-Wailuku-Lahaina, HI | 18 | $ 8,742,000 | $ 485,666 | $ 96,000 |
| Panama City, FL | 18 | $ 4,268,000 | $ 237,111 | $ 80,000 |
| Roanoke, VA | 18 | $ 3,270,000 | $ 181,666 | $ 55,000 |
| College Station-Bryan, TX | 17 | $ 3,912,000 | $ 230,117 | $ 87,000 |
| Madison, WI | 17 | $ 3,681,000 | $ 216,529 | $ 66,000 |
| Dayton, OH | 16 | $ 2,832,000 | $ 177,000 | $ 24,000 |
| Kalamazoo-Portage, MI | 16 | $ 3,878,000 | $ 242,375 | $ 30,000 |
| Valdosta, GA | 16 | $ 3,137,000 | $ 196,062 | $ 97,000 |
| Fargo, ND-MN | 15 | $ 2,886,000 | $ 192,400 | $ 18,000 |
| Fort Wayne, IN | 15 | $ 2,932,000 | $ 195,466 | $ 35,000 |
| Gettysburg, PA | 15 | $ 2,669,000 | $ 177,933 | $ 50,000 |
| Las Cruces, NM | 15 | $ 2,007,000 | $ 133,800 | $ 70,000 |
| McAllen-Edinburg-Mission, TX | 15 | $ 2,509,000 | $ 167,266 | $ 38,000 |
| Williamsport, PA | 15 | $ 2,287,000 | $ 152,466 | $ 69,000 |
| Bremerton-Silverdale, WA | 14 | $ 3,306,000 | $ 236,142 | $ 62,000 |
| Fayetteville, NC | 14 | $ 1,947,000 | $ 139,071 | $ 40,000 |
| Lubbock, TX | 14 | $ 2,600,000 | $ 185,714 | $ 57,000 |
| Sebastian-Vero Beach, FL | 14 | $ 2,959,000 | $ 211,357 | $ 73,000 |
| Athens-Clarke County, GA | 13 | $ 2,419,000 | $ 186,076 | $ 66,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 2,470,000 | $ 190,000 | $ 52,384 |
| Dover, DE | 13 | $ 2,400,000 | $ 184,615 | $ 47,000 |
| Gainesville, FL | 13 | $ 2,704,000 | $ 208,000 | $ 95,000 |
| Kennewick-Richland, WA | 13 | $ 2,918,000 | $ 224,461 | $ 88,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 2,002,000 | $ 154,000 | $ 18,000 |
| Rockford, IL | 13 | $ 1,795,000 | $ 138,076 | $ 60,000 |
| South Bend-Mishawaka, IN-MI | 13 | $ 2,236,000 | $ 172,000 | $ 22,307 |
| Tyler, TX | 13 | $ 2,134,000 | $ 164,153 | $ 71,000 |
| Atlantic City-Hammonton, NJ | 12 | $ 2,660,000 | $ 221,666 | $ 116,000 |
| Corpus Christi, TX | 12 | $ 2,619,000 | $ 218,250 | $ 51,000 |
| Daphne-Fairhope-Foley, AL | 12 | $ 3,926,000 | $ 327,166 | $ 18,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 12 | $ 4,484,000 | $ 373,666 | $ 113,000 |
| Tallahassee, FL | 12 | $ 2,676,000 | $ 223,000 | $ 81,000 |
| The Villages, FL | 12 | $ 2,269,000 | $ 189,083 | $ 70,000 |
| Amarillo, TX | 11 | $ 2,200,000 | $ 200,000 | $ 28,000 |
| Beaumont-Port Arthur, TX | 11 | $ 1,855,000 | $ 168,636 | $ 25,000 |
| Bismarck, ND | 11 | $ 2,670,000 | $ 242,727 | $ 0 |
| Green Bay, WI | 11 | $ 1,533,000 | $ 139,363 | $ 54,000 |
| Harrisonburg, VA | 11 | $ 2,256,000 | $ 205,090 | $ 86,000 |
| Lake Charles, LA | 11 | $ 2,163,000 | $ 196,636 | $ 35,000 |
| Pocatello, ID | 11 | $ 1,945,000 | $ 176,818 | $ 74,000 |
| Bellingham, WA | 10 | $ 2,538,000 | $ 253,800 | $ 62,000 |
| Bloomsburg-Berwick, PA | 10 | $ 1,317,000 | $ 131,700 | $ 55,000 |
| Hammond, LA | 10 | $ 2,065,000 | $ 206,500 | $ 74,000 |
| Homosassa Springs, FL | 10 | $ 1,693,000 | $ 169,300 | $ 70,000 |
| Kokomo, IN | 10 | $ 1,361,000 | $ 136,100 | $ 59,000 |
| Warner Robins, GA | 10 | $ 1,902,000 | $ 190,200 | $ 66,000 |
| Akron, OH | 9 | $ 1,720,000 | $ 191,111 | $ 47,000 |
| Decatur, AL | 9 | $ 1,277,000 | $ 141,888 | $ 7,000 |
| Elizabethtown-Fort Knox, KY | 9 | $ 1,766,000 | $ 196,222 | $ 63,000 |
| Grand Forks, ND-MN | 9 | $ 1,199,000 | $ 133,222 | $ 12,888 |
| Janesville-Beloit, WI | 9 | $ 1,423,000 | $ 158,111 | $ 52,000 |
| Montgomery, AL | 9 | $ 1,636,000 | $ 181,777 | $ 22,000 |
| Mount Vernon-Anacortes, WA | 9 | $ 1,913,000 | $ 212,555 | $ 29,000 |
| Appleton, WI | 8 | $ 1,497,000 | $ 187,125 | $ 68,000 |
| Bowling Green, KY | 8 | $ 1,389,000 | $ 173,625 | $ 28,000 |
| Canton-Massillon, OH | 8 | $ 1,236,000 | $ 154,500 | $ 26,000 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 1,329,000 | $ 166,125 | $ 63,000 |
| Shreveport-Bossier City, LA | 8 | $ 1,586,000 | $ 198,250 | $ 38,000 |
| Springfield, IL | 8 | $ 1,385,000 | $ 173,125 | $ 74,000 |
| Staunton-Waynesboro, VA | 8 | $ 1,740,000 | $ 217,500 | $ 59,000 |
| Altoona, PA | 7 | $ 767,000 | $ 109,571 | $ 46,000 |
| Auburn-Opelika, AL | 7 | $ 1,700,000 | $ 242,857 | $ 46,000 |
| Brownsville-Harlingen, TX | 7 | $ 1,232,000 | $ 176,000 | $ 32,000 |
| California-Lexington Park, MD | 7 | $ 2,040,000 | $ 291,428 | $ 101,000 |
| Columbia, MO | 7 | $ 1,030,000 | $ 147,142 | $ 51,000 |
| Jackson, MS | 7 | $ 1,656,000 | $ 236,571 | $ 35,000 |
| Lincoln, NE | 7 | $ 1,672,000 | $ 238,857 | $ 40,000 |
| Macon-Bibb County, GA | 7 | $ 1,222,000 | $ 174,571 | $ 24,000 |
| Norwich-New London, CT | 7 | $ 1,896,000 | $ 270,857 | $ 33,000 |
| Odessa, TX | 7 | $ 1,516,000 | $ 216,571 | $ 95,000 |
| Bloomington, IN | 6 | $ 870,000 | $ 145,000 | $ 35,000 |
| Dalton, GA | 6 | $ 663,000 | $ 110,500 | $ 26,000 |
| Great Falls, MT | 6 | $ 1,038,000 | $ 173,000 | $ 83,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 1,287,000 | $ 214,500 | $ 12,333 |
| Lafayette-West Lafayette, IN | 6 | $ 1,554,000 | $ 259,000 | $ 159,000 |
| Midland, MI | 6 | $ 873,000 | $ 145,500 | $ 16,000 |
| Mobile, AL | 6 | $ 1,066,000 | $ 177,666 | $ 46,000 |
| Rome, GA | 6 | $ 803,000 | $ 133,833 | $ 23,000 |
| San Angelo, TX | 6 | $ 1,135,000 | $ 189,166 | $ 18,000 |
| Sheboygan, WI | 6 | $ 1,027,000 | $ 171,166 | $ 14,000 |
| Springfield, OH | 6 | $ 461,000 | $ 76,833 | $ 43,000 |
| Toledo, OH | 6 | $ 1,747,000 | $ 291,166 | $ 29,000 |
| Ames, IA | 5 | $ 850,000 | $ 170,000 | $ 69,000 |
| Burlington, NC | 5 | $ 926,000 | $ 185,200 | $ 36,000 |
| Burlington-South Burlington, VT | 5 | $ 1,277,000 | $ 255,400 | $ 47,000 |
| Chambersburg-Waynesboro, PA | 5 | $ 802,000 | $ 160,400 | $ 95,000 |
| Cheyenne, WY | 5 | $ 1,195,000 | $ 239,000 | $ 64,000 |
| Florence, SC | 5 | $ 697,000 | $ 139,400 | $ 56,000 |
| Goldsboro, NC | 5 | $ 672,000 | $ 134,400 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 874,000 | $ 174,800 | $ 36,000 |
| Kankakee, IL | 5 | $ 715,000 | $ 143,000 | $ 67,000 |
| Monroe, LA | 5 | $ 585,000 | $ 117,000 | $ 0 |
| Monroe, MI | 5 | $ 879,000 | $ 175,800 | $ 7,000 |
| Pittsfield, MA | 5 | $ 1,164,000 | $ 232,800 | $ 44,000 |
| Racine, WI | 5 | $ 1,415,000 | $ 283,000 | $ 117,000 |
| Saginaw, MI | 5 | $ 592,000 | $ 118,400 | $ 29,000 |
| Sherman-Denison, TX | 5 | $ 877,000 | $ 175,400 | $ 43,000 |
| Sioux Falls, SD | 5 | $ 946,000 | $ 189,200 | $ 56,000 |
| Sumter, SC | 5 | $ 757,000 | $ 151,400 | $ 18,000 |
| Abilene, TX | 4 | $ 673,000 | $ 168,250 | $ 0 |
| Alexandria, LA | 4 | $ 739,000 | $ 184,750 | $ 0 |
| Carson City, NV | 4 | $ 1,140,000 | $ 285,000 | $ 116,000 |
| Elkhart-Goshen, IN | 4 | $ 588,000 | $ 147,000 | $ 38,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 1,037,000 | $ 259,250 | $ 0 |
| Hinesville, GA | 4 | $ 767,000 | $ 191,750 | $ 41,000 |
| Houma-Thibodaux, LA | 4 | $ 814,000 | $ 203,500 | $ 86,000 |
| Laredo, TX | 4 | $ 612,000 | $ 153,000 | $ 0 |
| Lewiston-Auburn, ME | 4 | $ 723,000 | $ 180,750 | $ 78,000 |
| Longview, TX | 4 | $ 488,000 | $ 122,000 | $ 13,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 583,000 | $ 145,750 | $ 36,000 |
| Tuscaloosa, AL | 4 | $ 956,000 | $ 239,000 | $ 46,000 |
| Waco, TX | 4 | $ 1,085,000 | $ 271,250 | $ 117,000 |
| Bangor, ME | 3 | $ 379,000 | $ 126,333 | $ 43,000 |
| Bay City, MI | 3 | $ 384,000 | $ 128,000 | $ 8,000 |
| Carbondale-Marion, IL | 3 | $ 717,000 | $ 239,000 | $ 116,000 |
| Cedar Rapids, IA | 3 | $ 425,000 | $ 141,666 | $ 35,000 |
| Champaign-Urbana, IL | 3 | $ 457,000 | $ 152,333 | $ 38,000 |
| Dubuque, IA | 3 | $ 479,000 | $ 159,666 | $ 0 |
| Greenville, NC | 3 | $ 717,000 | $ 239,000 | $ 15,000 |
| Hot Springs, AR | 3 | $ 539,000 | $ 179,666 | $ 0 |
| Jackson, MI | 3 | $ 810,000 | $ 270,000 | $ 215,000 |
| Jefferson City, MO | 3 | $ 360,000 | $ 120,000 | $ 44,000 |
| Jonesboro, AR | 3 | $ 364,000 | $ 121,333 | $ 47,000 |
| Lewiston, ID-WA | 3 | $ 594,000 | $ 198,000 | $ 28,000 |
| Manhattan, KS | 3 | $ 372,000 | $ 124,000 | $ 0 |
| Michigan City-La Porte, IN | 3 | $ 355,000 | $ 118,333 | $ 86,000 |
| Muncie, IN | 3 | $ 391,000 | $ 130,333 | $ 49,000 |
| Muskegon, MI | 3 | $ 386,000 | $ 128,666 | $ 0 |
| Niles-Benton Harbor, MI | 3 | $ 392,000 | $ 130,666 | $ 0 |
| Peoria, IL | 3 | $ 272,000 | $ 90,666 | $ 11,000 |
| St. Joseph, MO-KS | 3 | $ 780,000 | $ 260,000 | $ 0 |
| Terre Haute, IN | 3 | $ 642,000 | $ 214,000 | $ 16,000 |
| Topeka, KS | 3 | $ 821,000 | $ 273,666 | $ 57,000 |
| Vineland-Bridgeton, NJ | 3 | $ 491,000 | $ 163,666 | $ 47,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 501,000 | $ 167,000 | $ 63,333 |
| Yuma, AZ | 3 | $ 579,000 | $ 193,000 | $ 57,000 |
| Charleston, WV | 2 | $ 261,000 | $ 130,500 | $ 79,000 |
| Clarksville, TN-KY | 2 | $ 449,000 | $ 224,500 | $ 102,000 |
| Cleveland, TN | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Cumberland, MD-WV | 2 | $ 59,000 | $ 29,500 | $ 54,000 |
| Enid, OK | 2 | $ 254,000 | $ 127,000 | $ 67,000 |
| Florence-Muscle Shoals, AL | 2 | $ 323,000 | $ 161,500 | $ 0 |
| Fond Du Lac, WI | 2 | $ 323,000 | $ 161,500 | $ 44,000 |
| Gadsden, AL | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Johnstown, PA | 2 | $ 366,000 | $ 183,000 | $ 63,000 |
| Lawton, OK | 2 | $ 510,000 | $ 255,000 | $ 214,000 |
| Mansfield, OH | 2 | $ 472,000 | $ 236,000 | $ 48,000 |
| Oshkosh-Neenah, WI | 2 | $ 293,000 | $ 146,500 | $ 17,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Battle Creek, MI | 1 | $ 88,000 | $ 88,000 | $ 74,000 |
| Beckley, WV | 1 | $ 81,000 | $ 81,000 | $ 34,000 |
| Casper, WY | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Decatur, IL | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Dothan, AL | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Eau Claire, WI | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Erie, PA | 1 | $ 230,000 | $ 230,000 | $ 89,000 |
| Fairbanks, AK | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Fort Smith, AR-OK | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Iowa City, IA | 1 | $ 169,000 | $ 169,000 | $ 35,000 |
| Jackson, TN | 1 | $ 52,000 | $ 52,000 | $ 57,000 |
| Lawrence, KS | 1 | $ 347,000 | $ 347,000 | $ 0 |
| Morgantown, WV | 1 | $ 361,000 | $ 361,000 | $ 76,000 |
| Morristown, TN | 1 | $ 117,000 | $ 117,000 | $ 47,000 |
| Sioux City, IA-NE-SD | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 130,000 | $ 130,000 | $ 91,000 |
| Wenatchee, WA | 1 | $ 180,000 | $ 180,000 | $ 0 |
Mortgage Loan Application Detail Totals for Stearns Lending, LLC in 2017
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 | 54,104 | $14,920,663,000 | $275,000 | $3,000,000 | $80,000 | $5,193,000 |
| Refinancing | 22,784 | $6,520,530,000 | $286,000 | $2,390,000 | $88,000 | $2,454,000 |
| Home Improvement | 881 | $241,357,000 | $273,000 | $1,250,000 | $90,000 | $1,296,000 |
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 | 37,719 | $10,251,370,000 | $271,000 | $2,310,000 | $103,000 | $5,193,000 |
| Not applicable | 13,194 | $3,816,699,000 | $289,000 | $2,500,000 | $0 | $0 |
| Hispanic | 11,305 | $2,894,485,000 | $256,000 | $1,278,000 | $79,000 | $1,385,000 |
| Asian | 6,333 | $2,145,545,000 | $338,000 | $2,887,000 | $119,000 | $4,188,000 |
| Not Provided | 4,994 | $1,466,672,000 | $293,000 | $3,000,000 | $103,000 | $3,078,000 |
| Black or African American | 3,604 | $912,231,000 | $253,000 | $1,785,000 | $81,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 410 | $137,081,000 | $334,000 | $1,013,000 | $102,000 | $1,064,000 |
| American Indian or Alaskan Native | 210 | $58,467,000 | $278,000 | $1,580,000 | $99,000 | $697,000 |
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) | 48,114 | $13,916,761,000 | $289,000 | $3,000,000 | $94,000 | $5,193,000 |
| FHA-insured (Federal Housing Administration) | 19,655 | $4,808,125,000 | $244,000 | $928,000 | $62,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 7,975 | $2,608,044,000 | $327,000 | $2,332,000 | $69,000 | $1,620,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,025 | $349,620,000 | $172,000 | $657,000 | $46,000 | $264,000 |
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 | 46,594 | $12,817,747,000 | $275,000 | $2,338,000 | $99,000 | $5,193,000 |
| Loan Purchased By The Institution | 13,194 | $3,816,699,000 | $289,000 | $2,500,000 | $0 | $0 |
| Application Denied By Financial Institution | 9,748 | $2,789,999,000 | $286,000 | $3,000,000 | $99,000 | $3,063,000 |
| Application Withdrawn By Applicant | 6,689 | $1,826,135,000 | $273,000 | $1,572,000 | $99,000 | $3,078,000 |
| File Closed For Incompleteness | 1,074 | $295,966,000 | $275,000 | $1,000,000 | $94,000 | $1,385,000 |
| Application Approved But Not Accepted | 470 | $136,004,000 | $289,000 | $1,190,000 | $95,000 | $770,000 |
| 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 | 4,617 | $1,380,942,000 | $299,000 | $2,390,000 | $106,000 | $1,758,000 |
| Collateral | 1,737 | $459,751,000 | $264,000 | $2,887,000 | $103,000 | $1,525,000 |
| Debt-To-Income Ratio | 1,477 | $431,451,000 | $292,000 | $1,890,000 | $76,000 | $1,177,000 |
| Credit History | 857 | $239,811,000 | $279,000 | $1,480,000 | $98,000 | $1,000,000 |
| Other | 478 | $124,201,000 | $259,000 | $1,005,000 | $98,000 | $1,198,000 |
| Credit Application Incomplete | 282 | $73,105,000 | $259,000 | $3,000,000 | $93,000 | $3,063,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 173 | $45,363,000 | $262,000 | $2,000,000 | $96,000 | $2,443,000 |
| Employment History | 123 | $34,551,000 | $280,000 | $1,240,000 | $77,000 | $400,000 |
| Mortgage Insurance Denied | 4 | $824,000 | $206,000 | $417,000 | $59,000 | $120,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, LLC's 2017 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