Stearns Lending, LLC Mortgage Lending & HMDA Data, 2021
In 2021, Stearns Lending, LLC of Santa Ana, CA reported 51,305 mortgage applications totaling $17.5 billion, down 37% from 2020. The average application was for $341,676, and applicants reported an average income of $129,178. 53% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,742), Riverside-San Bernardino-Ontario, CA (2,604) and Phoenix-Mesa-Scottsdale, AZ (2,080) (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 | 51,305 |
| Total Mortgage Loan Application Amount | $17,529,695,000 |
| Average Mortgage Loan Application Amount | $341,676 |
| Highest Mortgage Loan Application Amount | $2,705,000 |
| Average Applicant Income | $129,178 |
| Highest Applicant Income | $8,092,000 |
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Act (HMDA) records Stearns Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 3,121 | $ 813,165,000 | $ 260,546 | $ 103,382 |
| Los Angeles-Long Beach-Glendale, CA | 2,742 | $ 1,367,740,000 | $ 498,811 | $ 154,000 |
| Riverside-San Bernardino-Ontario, CA | 2,604 | $ 926,020,000 | $ 355,614 | $ 121,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,080 | $ 628,940,000 | $ 302,375 | $ 118,000 |
| Denver-Aurora-Lakewood, CO | 1,672 | $ 670,270,000 | $ 400,879 | $ 136,000 |
| Salt Lake City, UT | 1,464 | $ 513,150,000 | $ 350,512 | $ 112,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,440 | $ 364,500,000 | $ 253,125 | $ 172,000 |
| Anaheim-Santa Ana-Irvine, CA | 1,358 | $ 725,850,000 | $ 534,499 | $ 169,000 |
| Oakland-Hayward-Berkeley, CA | 1,348 | $ 679,040,000 | $ 503,738 | $ 168,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,254 | $ 382,850,000 | $ 305,303 | $ 120,000 |
| San Diego-Carlsbad, CA | 1,238 | $ 606,140,000 | $ 489,612 | $ 155,000 |
| Chicago-Naperville, IL | 1,214 | $ 335,470,000 | $ 276,334 | $ 128,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 958 | $ 567,570,000 | $ 592,453 | $ 188,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 922 | $ 328,990,000 | $ 356,822 | $ 133,798 |
| Dallas-Plano-Irving, TX | 850 | $ 263,620,000 | $ 310,141 | $ 151,000 |
| Austin-Round Rock, TX | 842 | $ 238,430,000 | $ 283,171 | $ 160,000 |
| Ogden-Clearfield, UT | 842 | $ 272,000,000 | $ 323,040 | $ 100,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 828 | $ 327,790,000 | $ 395,881 | $ 142,000 |
| Las Vegas-Henderson-Paradise, NV | 815 | $ 260,485,000 | $ 319,613 | $ 125,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 717 | $ 328,055,000 | $ 457,538 | $ 138,000 |
| Provo-Orem, UT | 677 | $ 242,605,000 | $ 358,353 | $ 115,000 |
| San Antonio-New Braunfels, TX | 604 | $ 153,400,000 | $ 253,973 | $ 112,000 |
| Tucson, AZ | 588 | $ 123,480,000 | $ 210,000 | $ 81,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 573 | $ 178,275,000 | $ 311,125 | $ 161,267 |
| Urban Honolulu, HI | 538 | $ 279,140,000 | $ 518,847 | $ 124,000 |
| Stockton-Lodi, CA | 531 | $ 164,965,000 | $ 310,668 | $ 114,000 |
| Charlotte-Concord-Gastonia, NC-SC | 511 | $ 140,005,000 | $ 273,982 | $ 99,424 |
| San Francisco-Redwood City-South San Francisco, CA | 475 | $ 269,755,000 | $ 567,905 | $ 185,000 |
| Seattle-Bellevue-Everett, WA | 447 | $ 205,615,000 | $ 459,988 | $ 181,000 |
| Providence-Warwick, RI-MA | 419 | $ 123,055,000 | $ 293,687 | $ 111,267 |
| Jacksonville, FL | 381 | $ 95,985,000 | $ 251,929 | $ 98,000 |
| Logan, UT-ID | 353 | $ 105,245,000 | $ 298,144 | $ 89,000 |
| Orlando-Kissimmee-Sanford, FL | 351 | $ 97,205,000 | $ 276,937 | $ 103,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 351 | $ 109,975,000 | $ 313,319 | $ 127,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 323 | $ 135,945,000 | $ 420,882 | $ 165,145 |
| Louisville/Jefferson County, KY-IN | 316 | $ 68,750,000 | $ 217,563 | $ 89,354 |
| Fort Worth-Arlington, TX | 302 | $ 85,550,000 | $ 283,278 | $ 140,000 |
| Fresno, CA | 294 | $ 86,140,000 | $ 292,993 | $ 126,000 |
| Santa Rosa, CA | 293 | $ 129,855,000 | $ 443,191 | $ 147,000 |
| Des Moines-West Des Moines, IA | 262 | $ 56,060,000 | $ 213,969 | $ 98,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 248 | $ 39,740,000 | $ 160,241 | $ 70,000 |
| Modesto, CA | 246 | $ 75,150,000 | $ 305,487 | $ 103,000 |
| Bakersfield, CA | 241 | $ 65,255,000 | $ 270,767 | $ 152,000 |
| Eugene, OR | 237 | $ 65,525,000 | $ 276,476 | $ 85,000 |
| Prescott Valley-Prescott, AZ | 235 | $ 62,245,000 | $ 264,872 | $ 89,000 |
| Tampa-St. Petersburg-Clearwater, FL | 232 | $ 63,790,000 | $ 274,956 | $ 113,000 |
| Montgomery County-Bucks County-Chester County, PA | 231 | $ 76,405,000 | $ 330,757 | $ 140,000 |
| Savannah, GA | 223 | $ 54,195,000 | $ 243,026 | $ 97,000 |
| Lakeland-Winter Haven, FL | 212 | $ 44,930,000 | $ 211,933 | $ 135,000 |
| Miami-Miami Beach-Kendall, FL | 209 | $ 64,495,000 | $ 308,588 | $ 134,000 |
| Warren-Troy-Farmington Hills, MI | 209 | $ 51,565,000 | $ 246,722 | $ 91,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 203 | $ 60,985,000 | $ 300,418 | $ 129,000 |
| Huntsville, AL | 191 | $ 48,075,000 | $ 251,701 | $ 115,000 |
| St. George, UT | 189 | $ 62,945,000 | $ 333,042 | $ 108,000 |
| Hickory-Lenoir-Morganton, NC | 184 | $ 31,470,000 | $ 171,032 | $ 88,000 |
| Cambridge-Newton-Framingham, MA | 182 | $ 74,110,000 | $ 407,197 | $ 165,000 |
| Salinas, CA | 182 | $ 79,930,000 | $ 439,175 | $ 131,000 |
| Milwaukee-Waukesha-West Allis, WI | 178 | $ 51,160,000 | $ 287,415 | $ 138,000 |
| Boston, MA | 173 | $ 67,985,000 | $ 392,976 | $ 139,000 |
| Coeur D'Alene, ID | 171 | $ 55,195,000 | $ 322,777 | $ 101,000 |
| Santa Cruz-Watsonville, CA | 167 | $ 87,015,000 | $ 521,047 | $ 161,000 |
| Santa Maria-Santa Barbara, CA | 166 | $ 65,560,000 | $ 394,939 | $ 165,000 |
| Charleston-North Charleston, SC | 158 | $ 54,240,000 | $ 343,291 | $ 115,000 |
| Crestview-Fort Walton Beach-Destin, FL | 156 | $ 48,760,000 | $ 312,564 | $ 153,000 |
| Baltimore-Columbia-Towson, MD | 155 | $ 45,035,000 | $ 290,548 | $ 112,000 |
| Oklahoma City, OK | 155 | $ 31,355,000 | $ 202,290 | $ 91,000 |
| Anchorage, AK | 148 | $ 51,550,000 | $ 348,310 | $ 111,000 |
| Missoula, MT | 145 | $ 47,645,000 | $ 328,586 | $ 170,000 |
| Indianapolis-Carmel-Anderson, IN | 144 | $ 29,330,000 | $ 203,680 | $ 124,000 |
| Vallejo-Fairfield, CA | 143 | $ 58,445,000 | $ 408,706 | $ 131,000 |
| Fort Collins, CO | 140 | $ 46,560,000 | $ 332,571 | $ 142,000 |
| Lake County-Kenosha County, IL-WI | 138 | $ 42,150,000 | $ 305,434 | $ 155,565 |
| Colorado Springs, CO | 135 | $ 42,155,000 | $ 312,259 | $ 94,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 135 | $ 48,555,000 | $ 359,666 | $ 147,000 |
| Raleigh, NC | 126 | $ 37,870,000 | $ 300,555 | $ 125,000 |
| Spokane-Spokane Valley, WA | 126 | $ 36,480,000 | $ 289,523 | $ 105,000 |
| El Paso, TX | 124 | $ 21,660,000 | $ 174,677 | $ 69,000 |
| Philadelphia, PA | 124 | $ 33,360,000 | $ 269,032 | $ 114,000 |
| Bridgeport-Stamford-Norwalk, CT | 123 | $ 50,395,000 | $ 409,715 | $ 160,000 |
| Fayetteville, NC | 123 | $ 25,405,000 | $ 206,544 | $ 68,000 |
| Winston-Salem, NC | 120 | $ 25,200,000 | $ 210,000 | $ 98,000 |
| New York-Jersey City-White Plains, NY-NJ | 117 | $ 47,915,000 | $ 409,529 | $ 153,000 |
| Tacoma-Lakewood, WA | 117 | $ 41,945,000 | $ 358,504 | $ 141,000 |
| Lake Havasu City-Kingman, AZ | 115 | $ 28,145,000 | $ 244,739 | $ 94,000 |
| Worcester, MA-CT | 115 | $ 32,015,000 | $ 278,391 | $ 113,773 |
| Albuquerque, NM | 113 | $ 28,355,000 | $ 250,929 | $ 99,000 |
| Greeley, CO | 112 | $ 38,370,000 | $ 342,589 | $ 113,000 |
| New York-Newark, NY | 111 | $ 39,875,000 | $ 359,234 | $ 155,000 |
| Boise City, ID | 108 | $ 33,980,000 | $ 314,629 | $ 106,000 |
| Richmond, VA | 108 | $ 25,870,000 | $ 239,537 | $ 107,000 |
| Greensboro-High Point, NC | 107 | $ 23,515,000 | $ 219,766 | $ 105,000 |
| Port St. Lucie, FL | 107 | $ 27,685,000 | $ 258,738 | $ 111,000 |
| St. Louis, MO-IL | 104 | $ 25,930,000 | $ 249,326 | $ 120,346 |
| Elgin, IL | 103 | $ 24,655,000 | $ 239,368 | $ 115,000 |
| Medford, OR | 103 | $ 30,005,000 | $ 291,310 | $ 91,000 |
| Newark, NJ-PA | 103 | $ 40,555,000 | $ 393,737 | $ 158,757 |
| Pittsburgh, PA | 100 | $ 20,560,000 | $ 205,600 | $ 96,000 |
| Washington-Baltimore-Arlington, DC | 99 | $ 39,075,000 | $ 394,696 | $ 155,000 |
| North Port-Sarasota-Bradenton, FL | 97 | $ 27,745,000 | $ 286,030 | $ 138,000 |
| Barnstable Town, MA | 95 | $ 29,975,000 | $ 315,526 | $ 116,000 |
| Birmingham-Hoover, AL | 94 | $ 22,070,000 | $ 234,787 | $ 84,000 |
| Boulder, CO | 89 | $ 38,995,000 | $ 438,146 | $ 170,000 |
| Salem, OR | 89 | $ 25,855,000 | $ 290,505 | $ 93,000 |
| Pensacola-Ferry Pass-Brent, FL | 86 | $ 25,190,000 | $ 292,906 | $ 116,000 |
| Camden, NJ | 85 | $ 20,075,000 | $ 236,176 | $ 111,000 |
| Merced, CA | 85 | $ 21,645,000 | $ 254,647 | $ 104,000 |
| San Rafael, CA | 82 | $ 50,650,000 | $ 617,682 | $ 194,000 |
| Yakima, WA | 82 | $ 19,900,000 | $ 242,682 | $ 69,000 |
| Bend-Redmond, OR | 80 | $ 27,880,000 | $ 348,500 | $ 114,000 |
| Detroit-Dearborn-Livonia, MI | 79 | $ 15,335,000 | $ 194,113 | $ 84,000 |
| Cape Coral-Fort Myers, FL | 77 | $ 17,475,000 | $ 226,948 | $ 132,000 |
| Montgomery, AL | 77 | $ 14,805,000 | $ 192,272 | $ 89,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 73 | $ 22,845,000 | $ 312,945 | $ 95,000 |
| Tyler, TX | 73 | $ 15,725,000 | $ 215,410 | $ 94,000 |
| Muskegon, MI | 72 | $ 10,870,000 | $ 150,972 | $ 63,000 |
| Duluth, MN-WI | 69 | $ 13,095,000 | $ 189,782 | $ 133,000 |
| Memphis, TN-MS-AR | 68 | $ 12,530,000 | $ 184,264 | $ 118,955 |
| Sherman-Denison, TX | 66 | $ 13,580,000 | $ 205,757 | $ 164,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 65 | $ 15,455,000 | $ 237,769 | $ 111,615 |
| El Centro, CA | 64 | $ 11,950,000 | $ 186,718 | $ 100,000 |
| Lynchburg, VA | 64 | $ 12,270,000 | $ 191,718 | $ 82,000 |
| Madera, CA | 64 | $ 16,710,000 | $ 261,093 | $ 113,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 64 | $ 16,640,000 | $ 260,000 | $ 102,000 |
| Olympia-Tumwater, WA | 63 | $ 24,555,000 | $ 389,761 | $ 113,000 |
| Billings, MT | 62 | $ 15,990,000 | $ 257,903 | $ 97,000 |
| Visalia-Porterville, CA | 62 | $ 11,930,000 | $ 192,419 | $ 100,000 |
| Columbus, OH | 57 | $ 12,625,000 | $ 221,491 | $ 95,000 |
| Albany, OR | 56 | $ 14,890,000 | $ 265,892 | $ 78,000 |
| Kansas City, MO-KS | 55 | $ 12,605,000 | $ 229,181 | $ 108,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 54 | $ 14,350,000 | $ 265,740 | $ 94,444 |
| Columbus, GA-AL | 53 | $ 14,525,000 | $ 274,056 | $ 149,000 |
| Yuba City, CA | 52 | $ 13,880,000 | $ 266,923 | $ 98,000 |
| Chico, CA | 50 | $ 13,470,000 | $ 269,400 | $ 120,000 |
| Corpus Christi, TX | 50 | $ 9,390,000 | $ 187,800 | $ 117,000 |
| East Stroudsburg, PA | 50 | $ 9,680,000 | $ 193,600 | $ 84,000 |
| Columbia, SC | 49 | $ 11,425,000 | $ 233,163 | $ 93,000 |
| Manchester-Nashua, NH | 49 | $ 12,655,000 | $ 258,265 | $ 103,000 |
| Redding, CA | 48 | $ 11,460,000 | $ 238,750 | $ 105,000 |
| Palm Bay-Melbourne-Titusville, FL | 47 | $ 10,655,000 | $ 226,702 | $ 101,000 |
| Brunswick, GA | 46 | $ 14,490,000 | $ 315,000 | $ 145,000 |
| Rochester, MN | 46 | $ 11,350,000 | $ 246,739 | $ 207,000 |
| Williamsport, PA | 45 | $ 7,865,000 | $ 174,777 | $ 110,000 |
| Napa, CA | 44 | $ 24,010,000 | $ 545,681 | $ 184,000 |
| Walla Walla, WA | 43 | $ 11,145,000 | $ 259,186 | $ 103,000 |
| Knoxville, TN | 42 | $ 10,100,000 | $ 240,476 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 41 | $ 11,685,000 | $ 285,000 | $ 91,000 |
| Durham-Chapel Hill, NC | 41 | $ 10,805,000 | $ 263,536 | $ 122,000 |
| Gary, IN | 39 | $ 9,845,000 | $ 252,435 | $ 96,000 |
| Rockingham County-Strafford County, NH | 38 | $ 11,780,000 | $ 310,000 | $ 108,000 |
| Augusta-Richmond County, GA-SC | 37 | $ 8,925,000 | $ 241,216 | $ 145,189 |
| Greenville-Anderson-Mauldin, SC | 37 | $ 12,245,000 | $ 330,945 | $ 167,000 |
| Lafayette, LA | 37 | $ 7,265,000 | $ 196,351 | $ 88,000 |
| Midland, TX | 36 | $ 12,030,000 | $ 334,166 | $ 219,000 |
| Bellingham, WA | 34 | $ 11,740,000 | $ 345,294 | $ 87,000 |
| Hartford-West Hartford-East Hartford, CT | 34 | $ 9,410,000 | $ 276,764 | $ 119,000 |
| Ocean City, NJ | 32 | $ 9,500,000 | $ 296,875 | $ 149,000 |
| Wilmington, DE-MD-NJ | 32 | $ 7,860,000 | $ 245,625 | $ 99,125 |
| Kahului-Wailuku-Lahaina, HI | 31 | $ 17,975,000 | $ 579,838 | $ 165,000 |
| Cincinnati, OH-KY-IN | 30 | $ 5,440,000 | $ 181,333 | $ 101,700 |
| Asheville, NC | 29 | $ 7,495,000 | $ 258,448 | $ 86,000 |
| Gainesville, GA | 29 | $ 7,925,000 | $ 273,275 | $ 95,000 |
| St. Cloud, MN | 29 | $ 5,735,000 | $ 197,758 | $ 96,000 |
| Grants Pass, OR | 28 | $ 7,740,000 | $ 276,428 | $ 71,000 |
| Springfield, MA | 28 | $ 6,830,000 | $ 243,928 | $ 94,000 |
| Hinesville, GA | 26 | $ 5,290,000 | $ 203,461 | $ 69,000 |
| New Orleans-Metairie, LA | 26 | $ 8,410,000 | $ 323,461 | $ 121,000 |
| Flagstaff, AZ | 25 | $ 8,245,000 | $ 329,800 | $ 129,000 |
| New Haven-Milford, CT | 25 | $ 5,765,000 | $ 230,600 | $ 127,000 |
| Tulsa, OK | 25 | $ 5,025,000 | $ 201,000 | $ 75,000 |
| Farmington, NM | 24 | $ 4,180,000 | $ 174,166 | $ 102,000 |
| Kennewick-Richland, WA | 24 | $ 7,690,000 | $ 320,416 | $ 102,000 |
| Naples-Immokalee-Marco Island, FL | 24 | $ 10,930,000 | $ 455,416 | $ 231,000 |
| Wichita, KS | 24 | $ 6,080,000 | $ 253,333 | $ 105,000 |
| Trenton, NJ | 23 | $ 6,455,000 | $ 280,652 | $ 114,000 |
| Twin Falls, ID | 23 | $ 5,225,000 | $ 227,173 | $ 59,000 |
| Valdosta, GA | 23 | $ 6,745,000 | $ 293,260 | $ 144,000 |
| Abilene, TX | 22 | $ 4,760,000 | $ 216,363 | $ 63,000 |
| Homosassa Springs, FL | 22 | $ 3,640,000 | $ 165,454 | $ 136,000 |
| State College, PA | 22 | $ 5,650,000 | $ 256,818 | $ 105,000 |
| Bremerton-Silverdale, WA | 21 | $ 7,475,000 | $ 355,952 | $ 157,000 |
| Dothan, AL | 21 | $ 3,835,000 | $ 182,619 | $ 87,000 |
| Ames, IA | 20 | $ 2,950,000 | $ 147,500 | $ 70,000 |
| Ann Arbor, MI | 20 | $ 3,360,000 | $ 168,000 | $ 127,000 |
| Cleveland-Elyria, OH | 20 | $ 4,410,000 | $ 220,500 | $ 128,000 |
| Dalton, GA | 20 | $ 3,280,000 | $ 164,000 | $ 52,000 |
| Harrisonburg, VA | 20 | $ 4,910,000 | $ 245,500 | $ 84,000 |
| Tallahassee, FL | 20 | $ 4,970,000 | $ 248,500 | $ 95,000 |
| Corvallis, OR | 19 | $ 6,435,000 | $ 338,684 | $ 126,000 |
| Longview, TX | 19 | $ 3,795,000 | $ 199,736 | $ 201,000 |
| Ocala, FL | 19 | $ 3,205,000 | $ 168,684 | $ 71,000 |
| Panama City, FL | 19 | $ 4,805,000 | $ 252,894 | $ 104,000 |
| Lima, OH | 18 | $ 3,170,000 | $ 176,111 | $ 65,000 |
| College Station-Bryan, TX | 17 | $ 4,045,000 | $ 237,941 | $ 139,000 |
| Grand Rapids-Wyoming, MI | 17 | $ 3,555,000 | $ 209,117 | $ 76,000 |
| Idaho Falls, ID | 17 | $ 4,705,000 | $ 276,764 | $ 101,000 |
| Macon-Bibb County, GA | 17 | $ 3,685,000 | $ 216,764 | $ 77,000 |
| Reading, PA | 17 | $ 3,825,000 | $ 225,000 | $ 86,000 |
| Albany, GA | 16 | $ 3,740,000 | $ 233,750 | $ 92,000 |
| Athens-Clarke County, GA | 16 | $ 3,710,000 | $ 231,875 | $ 98,000 |
| Warner Robins, GA | 16 | $ 3,200,000 | $ 200,000 | $ 84,000 |
| Brownsville-Harlingen, TX | 15 | $ 2,755,000 | $ 183,666 | $ 99,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 2,795,000 | $ 186,333 | $ 79,000 |
| Grand Junction, CO | 15 | $ 4,405,000 | $ 293,666 | $ 78,000 |
| Kankakee, IL | 15 | $ 2,745,000 | $ 183,000 | $ 84,000 |
| Las Cruces, NM | 15 | $ 2,825,000 | $ 188,333 | $ 125,000 |
| Omaha-Council Bluffs, NE-IA | 15 | $ 2,825,000 | $ 188,333 | $ 94,266 |
| Pueblo, CO | 15 | $ 3,845,000 | $ 256,333 | $ 75,000 |
| Reno, NV | 15 | $ 7,425,000 | $ 495,000 | $ 174,000 |
| Harrisburg-Carlisle, PA | 14 | $ 3,120,000 | $ 222,857 | $ 109,000 |
| Johnson City, TN | 14 | $ 2,950,000 | $ 210,714 | $ 93,000 |
| Killeen-Temple, TX | 14 | $ 2,900,000 | $ 207,142 | $ 164,000 |
| Lancaster, PA | 14 | $ 3,360,000 | $ 240,000 | $ 83,000 |
| Longview, WA | 14 | $ 4,550,000 | $ 325,000 | $ 147,000 |
| Mount Vernon-Anacortes, WA | 14 | $ 4,990,000 | $ 356,428 | $ 122,000 |
| New Bern, NC | 14 | $ 2,910,000 | $ 207,857 | $ 127,000 |
| Santa Fe, NM | 14 | $ 5,970,000 | $ 426,428 | $ 164,000 |
| Chattanooga, TN-GA | 13 | $ 3,505,000 | $ 269,615 | $ 81,769 |
| Sebastian-Vero Beach, FL | 13 | $ 3,045,000 | $ 234,230 | $ 82,000 |
| Spartanburg, SC | 13 | $ 3,335,000 | $ 256,538 | $ 81,000 |
| Toledo, OH | 13 | $ 2,755,000 | $ 211,923 | $ 89,000 |
| Wilmington, NC | 13 | $ 2,825,000 | $ 217,307 | $ 82,000 |
| Yuma, AZ | 13 | $ 2,895,000 | $ 222,692 | $ 67,000 |
| Auburn-Opelika, AL | 12 | $ 3,060,000 | $ 255,000 | $ 242,000 |
| Beaumont-Port Arthur, TX | 12 | $ 3,540,000 | $ 295,000 | $ 254,000 |
| Decatur, AL | 12 | $ 3,400,000 | $ 283,333 | $ 105,000 |
| Fairbanks, AK | 12 | $ 3,310,000 | $ 275,833 | $ 94,000 |
| Portland-South Portland, ME | 12 | $ 3,900,000 | $ 325,000 | $ 194,000 |
| Rapid City, SD | 12 | $ 2,950,000 | $ 245,833 | $ 81,000 |
| Flint, MI | 11 | $ 1,925,000 | $ 175,000 | $ 74,000 |
| Salisbury, MD-DE | 11 | $ 3,905,000 | $ 355,000 | $ 171,454 |
| York-Hanover, PA | 11 | $ 1,905,000 | $ 173,181 | $ 100,000 |
| Dayton-Springfield-Kettering, OH | 10 | $ 1,910,000 | $ 191,000 | $ 67,000 |
| Hanford-Corcoran, CA | 10 | $ 2,010,000 | $ 201,000 | $ 117,000 |
| Lexington-Fayette, KY | 10 | $ 2,230,000 | $ 223,000 | $ 125,000 |
| Madison, WI | 10 | $ 3,670,000 | $ 367,000 | $ 182,000 |
| Punta Gorda, FL | 10 | $ 1,940,000 | $ 194,000 | $ 73,000 |
| Racine, WI | 10 | $ 2,000,000 | $ 200,000 | $ 130,000 |
| Sierra Vista-Douglas, AZ | 10 | $ 1,680,000 | $ 168,000 | $ 88,000 |
| Evansville, IN-KY | 9 | $ 1,525,000 | $ 169,444 | $ 50,000 |
| Gulfport-Biloxi-Pascagoula, MS | 9 | $ 2,115,000 | $ 235,000 | $ 101,000 |
| Lansing-East Lansing, MI | 9 | $ 1,375,000 | $ 152,777 | $ 82,000 |
| Rome, GA | 9 | $ 1,465,000 | $ 162,777 | $ 43,000 |
| Springfield, MO | 9 | $ 1,315,000 | $ 146,111 | $ 62,000 |
| Baton Rouge, LA | 8 | $ 1,640,000 | $ 205,000 | $ 85,000 |
| Clarksville, TN-KY | 8 | $ 2,210,000 | $ 276,250 | $ 82,000 |
| Cumberland, MD-WV | 8 | $ 1,400,000 | $ 175,000 | $ 111,375 |
| Fond Du Lac, WI | 8 | $ 1,550,000 | $ 193,750 | $ 67,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 8 | $ 2,670,000 | $ 333,750 | $ 108,000 |
| Jackson, MS | 8 | $ 1,920,000 | $ 240,000 | $ 88,000 |
| Jacksonville, NC | 8 | $ 1,790,000 | $ 223,750 | $ 88,000 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 1,970,000 | $ 246,250 | $ 83,625 |
| Lake Charles, LA | 8 | $ 2,170,000 | $ 271,250 | $ 106,000 |
| Mobile, AL | 8 | $ 1,540,000 | $ 192,500 | $ 77,000 |
| Norwich-New London, CT | 8 | $ 2,010,000 | $ 251,250 | $ 128,000 |
| Wenatchee, WA | 8 | $ 2,270,000 | $ 283,750 | $ 113,000 |
| Burlington, NC | 7 | $ 1,355,000 | $ 193,571 | $ 126,000 |
| Florence, SC | 7 | $ 1,775,000 | $ 253,571 | $ 0 |
| Lewiston, ID-WA | 7 | $ 1,845,000 | $ 263,571 | $ 69,000 |
| Lincoln, NE | 7 | $ 1,105,000 | $ 157,857 | $ 72,000 |
| Rockford, IL | 7 | $ 945,000 | $ 135,000 | $ 143,000 |
| San Angelo, TX | 7 | $ 1,475,000 | $ 210,714 | $ 53,000 |
| Amarillo, TX | 6 | $ 1,700,000 | $ 283,333 | $ 154,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 1,630,000 | $ 271,666 | $ 215,000 |
| Carbondale-Marion, IL | 6 | $ 1,110,000 | $ 185,000 | $ 86,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 1,910,000 | $ 318,333 | $ 137,000 |
| Elizabethtown-Fort Knox, KY | 6 | $ 1,000,000 | $ 166,666 | $ 73,000 |
| Gainesville, FL | 6 | $ 850,000 | $ 141,666 | $ 75,000 |
| Janesville-Beloit, WI | 6 | $ 1,000,000 | $ 166,666 | $ 73,000 |
| Monroe, MI | 6 | $ 1,260,000 | $ 210,000 | $ 70,000 |
| Pocatello, ID | 6 | $ 1,100,000 | $ 183,333 | $ 75,000 |
| Tuscaloosa, AL | 6 | $ 1,110,000 | $ 185,000 | $ 88,000 |
| Akron, OH | 5 | $ 1,075,000 | $ 215,000 | $ 63,000 |
| Bloomington, IN | 5 | $ 1,255,000 | $ 251,000 | $ 71,000 |
| Canton-Massillon, OH | 5 | $ 975,000 | $ 195,000 | $ 101,000 |
| Columbus, IN | 5 | $ 945,000 | $ 189,000 | $ 61,000 |
| Dover, DE | 5 | $ 875,000 | $ 175,000 | $ 56,000 |
| Green Bay, WI | 5 | $ 815,000 | $ 163,000 | $ 42,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 1,075,000 | $ 215,000 | $ 77,000 |
| Lubbock, TX | 5 | $ 1,165,000 | $ 233,000 | $ 196,000 |
| Niles-Benton Harbor, MI | 5 | $ 1,115,000 | $ 223,000 | $ 106,000 |
| Peoria, IL | 5 | $ 705,000 | $ 141,000 | $ 82,000 |
| Waco, TX | 5 | $ 1,125,000 | $ 225,000 | $ 177,000 |
| Alexandria, LA | 4 | $ 960,000 | $ 240,000 | $ 86,000 |
| Bloomington, IL | 4 | $ 730,000 | $ 182,500 | $ 115,000 |
| Chambersburg-Waynesboro, PA | 4 | $ 1,040,000 | $ 260,000 | $ 94,000 |
| Gadsden, AL | 4 | $ 1,180,000 | $ 295,000 | $ 177,000 |
| Goldsboro, NC | 4 | $ 490,000 | $ 122,500 | $ 81,000 |
| Grand Forks, ND-MN | 4 | $ 810,000 | $ 202,500 | $ 101,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,180,000 | $ 295,000 | $ 145,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 980,000 | $ 245,000 | $ 280,000 |
| Kalamazoo-Portage, MI | 4 | $ 1,170,000 | $ 292,500 | $ 80,000 |
| Midland, MI | 4 | $ 1,080,000 | $ 270,000 | $ 70,000 |
| Morgantown, WV | 4 | $ 740,000 | $ 185,000 | $ 117,000 |
| Odessa, TX | 4 | $ 1,260,000 | $ 315,000 | $ 59,000 |
| Roanoke, VA | 4 | $ 800,000 | $ 200,000 | $ 61,000 |
| Sioux Falls, SD | 4 | $ 1,300,000 | $ 325,000 | $ 120,000 |
| Topeka, KS | 4 | $ 410,000 | $ 102,500 | $ 90,000 |
| Winchester, VA-WV | 4 | $ 1,130,000 | $ 282,500 | $ 160,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 580,000 | $ 145,000 | $ 34,000 |
| Altoona, PA | 3 | $ 405,000 | $ 135,000 | $ 63,000 |
| Appleton, WI | 3 | $ 885,000 | $ 295,000 | $ 80,000 |
| Charlottesville, VA | 3 | $ 1,015,000 | $ 338,333 | $ 113,000 |
| Danville, IL | 3 | $ 635,000 | $ 211,666 | $ 80,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 515,000 | $ 171,666 | $ 42,000 |
| Fort Wayne, IN | 3 | $ 325,000 | $ 108,333 | $ 57,000 |
| Greenville, NC | 3 | $ 695,000 | $ 231,666 | $ 70,000 |
| Houma-Thibodaux, LA | 3 | $ 595,000 | $ 198,333 | $ 75,000 |
| Jackson, MI | 3 | $ 565,000 | $ 188,333 | $ 85,000 |
| Monroe, LA | 3 | $ 575,000 | $ 191,666 | $ 141,000 |
| Morristown, TN | 3 | $ 655,000 | $ 218,333 | $ 102,000 |
| Owensboro, KY | 3 | $ 645,000 | $ 215,000 | $ 109,000 |
| Rocky Mount, NC | 3 | $ 535,000 | $ 178,333 | $ 82,000 |
| Sebring, FL | 3 | $ 505,000 | $ 168,333 | $ 72,000 |
| Wichita Falls, TX | 3 | $ 565,000 | $ 188,333 | $ 106,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 230,000 | $ 115,000 | $ 99,000 |
| Bismarck, ND | 2 | $ 300,000 | $ 150,000 | $ 16,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 910,000 | $ 455,000 | $ 109,000 |
| Bloomsburg-Berwick, PA | 2 | $ 280,000 | $ 140,000 | $ 61,000 |
| California-Lexington Park, MD | 2 | $ 590,000 | $ 295,000 | $ 97,000 |
| Champaign-Urbana, IL | 2 | $ 290,000 | $ 145,000 | $ 96,000 |
| Columbia, MO | 2 | $ 330,000 | $ 165,000 | $ 124,000 |
| Eau Claire, WI | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Elkhart-Goshen, IN | 2 | $ 390,000 | $ 195,000 | $ 86,000 |
| Fargo, ND-MN | 2 | $ 400,000 | $ 200,000 | $ 176,000 |
| Florence-Muscle Shoals, AL | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Fort Smith, AR-OK | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Gettysburg, PA | 2 | $ 310,000 | $ 155,000 | $ 68,000 |
| Hattiesburg, MS | 2 | $ 280,000 | $ 140,000 | $ 132,000 |
| Hot Springs, AR | 2 | $ 270,000 | $ 135,000 | $ 50,000 |
| Iowa City, IA | 2 | $ 370,000 | $ 185,000 | $ 52,000 |
| Johnstown, PA | 2 | $ 300,000 | $ 150,000 | $ 85,000 |
| Kokomo, IN | 2 | $ 410,000 | $ 205,000 | $ 125,000 |
| Lafayette-West Lafayette, IN | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Laredo, TX | 2 | $ 750,000 | $ 375,000 | $ 151,000 |
| Manhattan, KS | 2 | $ 460,000 | $ 230,000 | $ 124,000 |
| Michigan City-La Porte, IN | 2 | $ 370,000 | $ 185,000 | $ 101,000 |
| Muncie, IN | 2 | $ 680,000 | $ 340,000 | $ 109,000 |
| Oshkosh-Neenah, WI | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Pittsfield, MA | 2 | $ 260,000 | $ 130,000 | $ 129,000 |
| Shreveport-Bossier City, LA | 2 | $ 790,000 | $ 395,000 | $ 124,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 570,000 | $ 285,000 | $ 185,000 |
| Springfield, IL | 2 | $ 400,000 | $ 200,000 | $ 92,000 |
| Sumter, SC | 2 | $ 390,000 | $ 195,000 | $ 38,000 |
| Texarkana, TX-AR | 2 | $ 490,000 | $ 245,000 | $ 70,000 |
| Vineland-Bridgeton, NJ | 2 | $ 270,000 | $ 135,000 | $ 78,000 |
| Wausau, WI | 2 | $ 420,000 | $ 210,000 | $ 91,000 |
| Bowling Green, KY | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Carson City, NV | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Casper, WY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Charleston, WV | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Dubuque, IA | 1 | $ 615,000 | $ 615,000 | $ 204,000 |
| Enid, OK | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Erie, PA | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Hammond, LA | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Jackson, TN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Jefferson City, MO | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Jonesboro, AR | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Joplin, MO | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Lawrence, KS | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Lawton, OK | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Lebanon, PA | 1 | $ 215,000 | $ 215,000 | $ 88,000 |
| Lewiston-Auburn, ME | 1 | $ 235,000 | $ 235,000 | $ 99,000 |
| Saginaw, MI | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Sheboygan, WI | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Springfield, OH | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Staunton-Waynesboro, VA | 1 | $ 345,000 | $ 345,000 | $ 70,000 |
| Terre Haute, IN | 1 | $ 195,000 | $ 195,000 | $ 103,000 |
| The Villages, FL | 1 | $ 235,000 | $ 235,000 | $ 74,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, LLC in 2021
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 | 20,699 | $7,227,235,000 | $349,000 | $2,395,000 | $125,000 | $5,760,000 |
| Refinancing | 19,338 | $6,538,060,000 | $338,000 | $2,705,000 | $139,000 | $6,804,000 |
| Cash-out Refinancing | 11,268 | $3,764,400,000 | $334,000 | $2,005,000 | $120,000 | $8,092,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 21,729 | $7,290,515,000 | $335,000 | $2,245,000 | $130,000 | $5,760,000 |
| Not applicable | 13,969 | $4,542,345,000 | $325,000 | $2,705,000 | $0 | $0 |
| Not Provided | 5,242 | $2,011,010,000 | $383,000 | $2,395,000 | $139,000 | $8,092,000 |
| Hispanic | 4,811 | $1,528,445,000 | $317,000 | $1,715,000 | $105,000 | $6,804,000 |
| Asian | 3,583 | $1,497,685,000 | $417,000 | $2,005,000 | $155,000 | $1,575,000 |
| Black or African American | 1,493 | $471,585,000 | $315,000 | $1,265,000 | $109,000 | $3,635,000 |
| Native Hawaiian or Other Pacific Islander | 139 | $51,255,000 | $368,000 | $1,015,000 | $112,000 | $296,000 |
| American Indian or Alaskan Native | 117 | $35,935,000 | $307,000 | $935,000 | $110,000 | $391,000 |
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) | 43,038 | $14,953,280,000 | $347,000 | $2,395,000 | $135,000 | $8,092,000 |
| FHA-insured (Federal Housing Administration) | 4,487 | $1,277,435,000 | $284,000 | $1,295,000 | $77,000 | $502,000 |
| VA-guaranteed (Veterans Administration) | 3,168 | $1,159,470,000 | $365,000 | $2,705,000 | $106,000 | $690,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 612 | $139,510,000 | $227,000 | $1,965,000 | $74,000 | $1,440,000 |
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 | 27,110 | $9,222,390,000 | $340,000 | $2,225,000 | $127,000 | $2,993,000 |
| Loan Purchased By The Institution | 13,969 | $4,542,345,000 | $325,000 | $2,705,000 | $0 | $0 |
| Application Denied By Financial Institution | 5,931 | $2,281,155,000 | $384,000 | $2,395,000 | $135,000 | $8,092,000 |
| Application Withdrawn By Applicant | 3,019 | $1,055,255,000 | $349,000 | $1,965,000 | $143,000 | $6,804,000 |
| File Closed For Incompleteness | 914 | $308,200,000 | $337,000 | $2,245,000 | $138,000 | $4,767,000 |
| Application Approved But Not Accepted | 362 | $120,350,000 | $332,000 | $1,325,000 | $120,000 | $670,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 45,374 | $15,248,540,000 | $336,000 | $2,705,000 | $129,000 | $6,804,000 |
| Unverifiable Information | 3,541 | $1,319,425,000 | $372,000 | $2,395,000 | $136,000 | $2,585,000 |
| Debt-To-Income Ratio | 678 | $292,110,000 | $430,000 | $2,005,000 | $101,000 | $2,799,000 |
| Credit Application Incomplete | 582 | $222,640,000 | $382,000 | $1,855,000 | $149,000 | $1,915,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 357 | $150,155,000 | $420,000 | $1,755,000 | $140,000 | $687,000 |
| Collateral | 310 | $114,870,000 | $370,000 | $1,685,000 | $136,000 | $1,148,000 |
| Credit History | 210 | $78,970,000 | $376,000 | $1,845,000 | $159,000 | $8,092,000 |
| Other | 192 | $78,860,000 | $410,000 | $2,005,000 | $159,000 | $884,000 |
| Employment History | 58 | $22,980,000 | $396,000 | $1,285,000 | $100,000 | $462,000 |
| Mortgage Insurance Denied | 3 | $1,145,000 | $381,000 | $445,000 | $87,000 | $119,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, LLC's 2021 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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