Sunset Direct Lending Mortgage Lending & HMDA Data, 2006

In 2006, Sunset Direct Lending of Lake Oswego, OR reported 6,689 mortgage applications totaling $1.2 billion, down 23% from 2005. The average application was for $180,470, and applicants reported an average income of $94,789. 42% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Portland-Vancouver-Beaverton, OR-WA (426), New York-White Plains-Wayne, NY-NJ (343) and Washington-Arlington-Alexandria, DC-VA-MD-WV (194) (applications in parentheses).

Mortgage Company & Address Sunset Direct Lending
5000 Sw Meadows Road Suite 131
Lake Oswego, OR 97035
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 6,689
Total Mortgage Loan Application Amount $1,207,170,000
Average Mortgage Loan Application Amount $180,470
Highest Mortgage Loan Application Amount $2,080,000
Average Applicant Income $94,789
Highest Applicant Income $1,991,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sunset Direct Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Sunset Direct Lending by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Multnomah, Oregon 142 $ 27,763,000 $ 195,514 $ 92,000
Suffolk, New York 133 $ 32,046,000 $ 240,947 $ 123,000
Los Angeles, California 129 $ 39,702,000 $ 307,767 $ 143,000
Miami-Dade, Florida 115 $ 32,874,000 $ 285,860 $ 149,000
Kings, New York 113 $ 39,031,000 $ 345,407 $ 128,000
Clackamas, Oregon 103 $ 24,800,000 $ 240,776 $ 169,000
Queens, New York 99 $ 31,732,000 $ 320,525 $ 130,000
Prince George's, Maryland 95 $ 21,418,000 $ 225,452 $ 100,000
Washington, Oregon 92 $ 19,562,000 $ 212,630 $ 144,000
Riverside, California 91 $ 28,936,000 $ 317,978 $ 154,000
Broward, Florida 88 $ 21,517,000 $ 244,511 $ 137,000
Anchorage, Alaska 85 $ 16,176,000 $ 190,305 $ 96,000
Harris, Texas 85 $ 12,488,000 $ 146,917 $ 105,000
Providence, Rhode Island 84 $ 15,348,000 $ 182,714 $ 72,000
Baltimore City, Maryland 82 $ 6,552,000 $ 79,902 $ 77,000
Clark, Washington 78 $ 15,106,000 $ 193,666 $ 105,000
Orange, Florida 73 $ 11,383,000 $ 155,931 $ 75,000
Essex, New Jersey 67 $ 13,171,000 $ 196,582 $ 89,000
Fairfield, Connecticut 65 $ 13,341,000 $ 205,246 $ 76,000
Philadelphia, Pennsylvania 65 $ 6,680,000 $ 102,769 $ 60,000
Maricopa, Arizona 63 $ 12,801,000 $ 203,190 $ 109,000
New Haven, Connecticut 63 $ 8,843,000 $ 140,365 $ 75,000
Worcester, Massachusetts 58 $ 8,316,000 $ 143,379 $ 65,000
King, Washington 56 $ 11,598,000 $ 207,107 $ 93,000
Oklahoma, Oklahoma 54 $ 4,130,000 $ 76,481 $ 61,000
Suffolk, Massachusetts 53 $ 13,792,000 $ 260,226 $ 99,000
Shelby, Tennessee 53 $ 4,198,000 $ 79,207 $ 82,000
San Bernardino, California 52 $ 13,417,000 $ 258,019 $ 135,000
Kern, California 51 $ 8,611,000 $ 168,843 $ 73,000
Hampden, Massachusetts 47 $ 6,439,000 $ 137,000 $ 64,000
Salt Lake, Utah 47 $ 13,207,000 $ 281,000 $ 176,000
Middlesex, Massachusetts 46 $ 10,368,000 $ 225,391 $ 114,000
District of Columbia, District Of Columbia 45 $ 10,979,000 $ 243,977 $ 108,000
Palm Beach, Florida 44 $ 10,212,000 $ 232,090 $ 123,000
St. Louis, Missouri 44 $ 3,942,000 $ 89,590 $ 54,000
Bronx, New York 43 $ 12,809,000 $ 297,883 $ 97,000
Pierce, Washington 43 $ 7,235,000 $ 168,255 $ 96,000
Nassau, New York 42 $ 15,439,000 $ 367,595 $ 139,000
Hennepin, Minnesota 41 $ 5,373,000 $ 131,048 $ 80,000
Hillsborough, Florida 40 $ 6,283,000 $ 157,075 $ 89,000
Tarrant, Texas 40 $ 4,724,000 $ 118,100 $ 46,000
Dallas, Texas 38 $ 4,462,000 $ 117,421 $ 162,000
Milwaukee, Wisconsin 37 $ 3,282,000 $ 88,702 $ 55,000
Duval, Florida 36 $ 3,665,000 $ 101,805 $ 64,000
Essex, Massachusetts 35 $ 7,070,000 $ 202,000 $ 103,000
Mobile, Alabama 33 $ 2,881,000 $ 87,303 $ 60,000
Pima, Arizona 32 $ 4,681,000 $ 146,281 $ 60,000
Sacramento, California 32 $ 7,569,000 $ 236,531 $ 135,000
Hartford, Connecticut 32 $ 4,474,000 $ 139,812 $ 74,000
Fulton, Georgia 32 $ 5,547,000 $ 173,343 $ 103,000
Ramsey, Minnesota 32 $ 4,249,000 $ 132,781 $ 70,000
Utah, Utah 31 $ 3,538,000 $ 114,129 $ 63,000
Virginia Beach, Virginia 31 $ 5,280,000 $ 170,322 $ 84,000
Polk, Florida 29 $ 4,411,000 $ 152,103 $ 90,000
Seminole, Florida 29 $ 5,210,000 $ 179,655 $ 103,000
Pittsburg, Oklahoma 29 $ 2,108,000 $ 72,689 $ 43,000
Marion, Oregon 29 $ 4,190,000 $ 144,482 $ 86,000
Jefferson, Alabama 27 $ 2,940,000 $ 108,888 $ 83,000
Windham, Connecticut 27 $ 4,439,000 $ 164,407 $ 47,000
Baltimore, Maryland 26 $ 3,577,000 $ 137,576 $ 57,000
Osceola, Florida 25 $ 3,753,000 $ 150,120 $ 64,000
Plymouth, Massachusetts 25 $ 5,504,000 $ 220,160 $ 94,000
Richland, South Carolina 25 $ 3,009,000 $ 120,360 $ 61,000
Alameda, California 24 $ 8,100,000 $ 337,500 $ 169,000
Union, New Jersey 24 $ 5,111,000 $ 212,958 $ 79,000
Comanche, Oklahoma 24 $ 1,475,000 $ 61,458 $ 46,000
New Castle, Delaware 23 $ 3,099,000 $ 134,739 $ 72,000
DeKalb, Georgia 23 $ 3,383,000 $ 147,086 $ 104,000
Camden, New Jersey 23 $ 3,746,000 $ 162,869 $ 86,000
Middlesex, New Jersey 23 $ 4,898,000 $ 212,956 $ 106,000
Baldwin, Alabama 22 $ 3,980,000 $ 180,909 $ 81,000
Contra Costa, California 22 $ 6,460,000 $ 293,636 $ 137,000
Hernando, Florida 22 $ 2,773,000 $ 126,045 $ 79,000
Lee, Florida 21 $ 3,613,000 $ 172,047 $ 87,000
Mecklenburg, North Carolina 21 $ 2,667,000 $ 127,000 $ 87,000
Cuyahoga, Ohio 21 $ 3,257,000 $ 155,095 $ 111,000
Lehigh, Pennsylvania 21 $ 2,761,000 $ 131,476 $ 56,000
Bexar, Texas 21 $ 1,646,000 $ 78,380 $ 69,000
Pinellas, Florida 20 $ 4,578,000 $ 228,900 $ 118,000
Richmond, New York 20 $ 5,218,000 $ 260,900 $ 90,000
Westchester, New York 20 $ 4,893,000 $ 244,650 $ 111,000
Pasco, Florida 19 $ 2,478,000 $ 130,421 $ 60,000
Horry, South Carolina 19 $ 2,167,000 $ 114,052 $ 62,000
Chesapeake, Virginia 19 $ 2,366,000 $ 124,526 $ 64,000
Mohave, Arizona 18 $ 2,480,000 $ 137,777 $ 72,000
Allegheny, Pennsylvania 18 $ 4,127,000 $ 229,277 $ 176,000
Fresno, California 17 $ 2,613,000 $ 153,705 $ 89,000
San Joaquin, California 17 $ 5,017,000 $ 295,117 $ 130,000
Anne Arundel, Maryland 17 $ 3,574,000 $ 210,235 $ 78,000
Passaic, New Jersey 17 $ 4,409,000 $ 259,352 $ 128,000
Collin, Texas 17 $ 3,530,000 $ 207,647 $ 98,000
Tulare, California 16 $ 2,064,000 $ 129,000 $ 69,000
Brevard, Florida 16 $ 2,963,000 $ 185,187 $ 61,000
Lake, Florida 16 $ 2,646,000 $ 165,375 $ 70,000
Clay, Missouri 16 $ 1,860,000 $ 116,250 $ 75,000
Hudson, New Jersey 16 $ 3,618,000 $ 226,125 $ 99,000
Albany, New York 16 $ 2,629,000 $ 164,312 $ 130,000
Franklin, Ohio 16 $ 1,339,000 $ 83,687 $ 66,000
Houston, Alabama 15 $ 1,626,000 $ 108,400 $ 122,000
Orange, California 15 $ 5,811,000 $ 387,400 $ 195,000
Maui, Hawaii 15 $ 7,317,000 $ 487,800 $ 194,000
Norfolk, Massachusetts 15 $ 4,984,000 $ 332,266 $ 176,000
Gloucester, New Jersey 15 $ 2,272,000 $ 151,466 $ 92,000
Muskogee, Oklahoma 15 $ 1,249,000 $ 83,266 $ 74,000
Norfolk, Virginia 15 $ 2,243,000 $ 149,533 $ 82,000
Matanuska-Susitna, Alaska 14 $ 2,118,000 $ 151,285 $ 88,000
Marion, Florida 14 $ 1,753,000 $ 125,214 $ 91,000
Macomb, Michigan 14 $ 1,219,000 $ 87,071 $ 60,000
Oakland, Michigan 14 $ 4,630,000 $ 330,714 $ 199,000
Greene, Missouri 14 $ 3,672,000 $ 262,285 $ 157,000
Dauphin, Pennsylvania 14 $ 1,076,000 $ 76,857 $ 41,000
Brazoria, Texas 14 $ 1,483,000 $ 105,928 $ 109,000
Montgomery, Virginia 14 $ 1,784,000 $ 127,428 $ 71,000
Volusia, Florida 13 $ 2,881,000 $ 221,615 $ 96,000
Gwinnett, Georgia 13 $ 1,465,000 $ 112,692 $ 71,000
Montgomery, Maryland 13 $ 4,346,000 $ 334,307 $ 87,000
Hinds, Mississippi 13 $ 1,498,000 $ 115,230 $ 137,000
Burlington, New Jersey 13 $ 2,773,000 $ 213,307 $ 93,000
Tulsa, Oklahoma 13 $ 748,000 $ 57,538 $ 45,000
Chester, Pennsylvania 13 $ 1,701,000 $ 130,846 $ 75,000
Henrico, Virginia 13 $ 1,374,000 $ 105,692 $ 51,000
Sussex, Delaware 12 $ 1,794,000 $ 149,500 $ 54,000
St. Louis City, Missouri 12 $ 1,447,000 $ 120,583 $ 65,000
Mercer, New Jersey 12 $ 1,039,000 $ 86,583 $ 89,000
Ocean, New Jersey 12 $ 2,370,000 $ 197,500 $ 86,000
York, Pennsylvania 12 $ 2,294,000 $ 191,166 $ 76,000
Snohomish, Washington 12 $ 2,514,000 $ 209,500 $ 105,000
Benton, Arkansas 11 $ 1,097,000 $ 99,727 $ 78,000
Polk, Iowa 11 $ 852,000 $ 77,454 $ 42,000
Charles, Maryland 11 $ 2,275,000 $ 206,818 $ 91,000
Miller, Missouri 11 $ 1,165,000 $ 105,909 $ 48,000
Charleston, South Carolina 11 $ 2,340,000 $ 212,727 $ 109,000
Lexington, South Carolina 11 $ 1,074,000 $ 97,636 $ 45,000
Spokane, Washington 11 $ 1,116,000 $ 101,454 $ 46,000
Washington, Arkansas 10 $ 1,022,000 $ 102,200 $ 61,000
San Diego, California 10 $ 3,252,000 $ 325,200 $ 134,000
St. Lucie, Florida 10 $ 1,902,000 $ 190,200 $ 105,000
Clayton, Georgia 10 $ 998,000 $ 99,800 $ 126,000
Bristol, Massachusetts 10 $ 2,157,000 $ 215,700 $ 98,000
Cole, Missouri 10 $ 726,000 $ 72,600 $ 35,000
Hillsborough, New Hampshire 10 $ 2,195,000 $ 219,500 $ 72,000
Summit, Ohio 10 $ 935,000 $ 93,500 $ 62,000
Colleton, South Carolina 10 $ 715,000 $ 71,500 $ 47,000
Washington, Tennessee 10 $ 1,121,000 $ 112,100 $ 47,000
Portsmouth, Virginia 10 $ 727,000 $ 72,700 $ 44,000
Tolland, Connecticut 9 $ 1,357,000 $ 150,777 $ 80,000
Henry, Georgia 9 $ 934,000 $ 103,777 $ 72,000
Honolulu, Hawaii 9 $ 4,843,000 $ 538,111 $ 399,000
Dakota, Minnesota 9 $ 1,300,000 $ 144,444 $ 80,000
Erie, New York 9 $ 1,234,000 $ 137,111 $ 98,000
Union, North Carolina 9 $ 2,132,000 $ 236,888 $ 125,000
Jackson, Oregon 9 $ 1,824,000 $ 202,666 $ 122,000
Montgomery, Pennsylvania 9 $ 2,059,000 $ 228,777 $ 99,000
Denton, Texas 9 $ 1,351,000 $ 150,111 $ 47,000
Washington, Utah 9 $ 2,734,000 $ 303,777 $ 183,000
Hampton, Virginia 9 $ 977,000 $ 108,555 $ 63,000
Richmond City, Virginia 9 $ 1,163,000 $ 129,222 $ 85,000
Fairbanks North Star, Alaska 8 $ 1,105,000 $ 138,125 $ 75,000
St. Johns, Florida 8 $ 1,758,000 $ 219,750 $ 122,000
East Baton Rouge, Louisiana 8 $ 802,000 $ 100,250 $ 108,000
Anoka, Minnesota 8 $ 1,430,000 $ 178,750 $ 95,000
Jackson, Missouri 8 $ 557,000 $ 69,625 $ 57,000
Park, Montana 8 $ 580,000 $ 72,500 $ 33,000
Atlantic, New Jersey 8 $ 771,000 $ 96,375 $ 57,000
Salem, New Jersey 8 $ 980,000 $ 122,500 $ 63,000
Chautauqua, New York 8 $ 723,000 $ 90,375 $ 46,000
Wilson, North Carolina 8 $ 791,000 $ 98,875 $ 58,000
Hamilton, Ohio 8 $ 616,000 $ 77,000 $ 49,000
Washington, Ohio 8 $ 738,000 $ 92,250 $ 27,000
Greenville, South Carolina 8 $ 658,000 $ 82,250 $ 53,000
Orangeburg, South Carolina 8 $ 888,000 $ 111,000 $ 25,000
Fauquier, Virginia 8 $ 1,735,000 $ 216,875 $ 108,000
Cowlitz, Washington 8 $ 1,443,000 $ 180,375 $ 69,000
Stevens, Washington 8 $ 857,000 $ 107,125 $ 360,000
Amador, California 7 $ 1,687,000 $ 241,000 $ 103,000
Charlotte, Florida 7 $ 1,026,000 $ 146,571 $ 70,000
Frederick, Maryland 7 $ 1,687,000 $ 241,000 $ 113,000
Harrison, Mississippi 7 $ 720,000 $ 102,857 $ 45,000
Rockingham, New Hampshire 7 $ 1,311,000 $ 187,285 $ 52,000
Monmouth, New Jersey 7 $ 1,464,000 $ 209,142 $ 163,000
Rockland, New York 7 $ 1,470,000 $ 210,000 $ 86,000
Pitt, North Carolina 7 $ 851,000 $ 121,571 $ 55,000
Montgomery, Ohio 7 $ 404,000 $ 57,714 $ 57,000
Grady, Oklahoma 7 $ 504,000 $ 72,000 $ 35,000
Deschutes, Oregon 7 $ 2,400,000 $ 342,857 $ 145,000
Lincoln, Oregon 7 $ 1,493,000 $ 213,285 $ 213,000
Linn, Oregon 7 $ 655,000 $ 93,571 $ 36,000
Delaware, Pennsylvania 7 $ 686,000 $ 98,000 $ 59,000
Dorchester, South Carolina 7 $ 664,000 $ 94,857 $ 90,000
Davidson, Tennessee 7 $ 890,000 $ 127,142 $ 102,000
Cameron, Texas 7 $ 809,000 $ 115,571 $ 103,000
McLennan, Texas 7 $ 521,000 $ 74,428 $ 52,000
Fairfax, Virginia 7 $ 3,893,000 $ 556,142 $ 359,000
Stafford, Virginia 7 $ 1,267,000 $ 181,000 $ 92,000
Thurston, Washington 7 $ 1,392,000 $ 198,857 $ 106,000
Montgomery, Alabama 6 $ 434,000 $ 72,333 $ 42,000
Shelby, Alabama 6 $ 1,568,000 $ 261,333 $ 119,000
Tuscaloosa, Alabama 6 $ 574,000 $ 95,666 $ 52,000
Saline, Arkansas 6 $ 1,068,000 $ 178,000 $ 73,000
Santa Clara, California 6 $ 2,239,000 $ 373,166 $ 152,000
Bay, Florida 6 $ 1,203,000 $ 200,500 $ 72,000
Twin Falls, Idaho 6 $ 349,000 $ 58,166 $ 69,000
Howard, Maryland 6 $ 1,518,000 $ 253,000 $ 82,000
Barnstable, Massachusetts 6 $ 1,502,000 $ 250,333 $ 53,000
Ottawa, Michigan 6 $ 424,000 $ 70,666 $ 48,000
Wayne, Michigan 6 $ 651,000 $ 108,500 $ 63,000
Scott, Minnesota 6 $ 1,554,000 $ 259,000 $ 150,000
Washington, Minnesota 6 $ 894,000 $ 149,000 $ 82,000
Ravalli, Montana 6 $ 2,172,000 $ 362,000 $ 185,000
Cumberland, New Jersey 6 $ 438,000 $ 73,000 $ 66,000
Fulton, New York 6 $ 560,000 $ 93,333 $ 66,000
Monroe, New York 6 $ 625,000 $ 104,166 $ 90,000
Schenectady, New York 6 $ 666,000 $ 111,000 $ 69,000
Ulster, New York 6 $ 683,000 $ 113,833 $ 49,000
Wake, North Carolina 6 $ 731,000 $ 121,833 $ 58,000
Jefferson, Ohio 6 $ 514,000 $ 85,666 $ 43,000
Richland, Ohio 6 $ 216,000 $ 36,000 $ 107,000
Columbia, Oregon 6 $ 970,000 $ 161,666 $ 82,000
Berks, Pennsylvania 6 $ 565,000 $ 94,166 $ 59,000
Monroe, Pennsylvania 6 $ 1,528,000 $ 254,666 $ 90,000
Pike, Pennsylvania 6 $ 910,000 $ 151,666 $ 77,000
Kent, Rhode Island 6 $ 1,486,000 $ 247,666 $ 68,000
Berkeley, South Carolina 6 $ 578,000 $ 96,333 $ 64,000
Sumter, South Carolina 6 $ 509,000 $ 84,833 $ 51,000
Rutherford, Tennessee 6 $ 401,000 $ 66,833 $ 40,000
Brazos, Texas 6 $ 489,000 $ 81,500 $ 89,000
Davis, Utah 6 $ 774,000 $ 129,000 $ 70,000
Weber, Utah 6 $ 664,000 $ 110,666 $ 73,000
Chesterfield, Virginia 6 $ 787,000 $ 131,166 $ 83,000
Prince William, Virginia 6 $ 1,932,000 $ 322,000 $ 160,000
Cabell, West Virginia 6 $ 336,000 $ 56,000 $ 40,000
Faulkner, Arkansas 5 $ 318,000 $ 63,600 $ 61,000
Garland, Arkansas 5 $ 304,000 $ 60,800 $ 39,000
Humboldt, California 5 $ 843,000 $ 168,600 $ 53,000
Monterey, California 5 $ 1,287,000 $ 257,400 $ 167,000
New London, Connecticut 5 $ 880,000 $ 176,000 $ 75,000
Kent, Delaware 5 $ 810,000 $ 162,000 $ 97,000
Flagler, Florida 5 $ 894,000 $ 178,800 $ 70,000
Putnam, Florida 5 $ 444,000 $ 88,800 $ 43,000
Sarasota, Florida 5 $ 581,000 $ 116,200 $ 103,000
Harford, Maryland 5 $ 686,000 $ 137,200 $ 77,000
Genesee, Michigan 5 $ 412,000 $ 82,400 $ 52,000
Jackson, Michigan 5 $ 441,000 $ 88,200 $ 71,000
Fillmore, Minnesota 5 $ 229,000 $ 45,800 $ 22,000
Olmsted, Minnesota 5 $ 535,000 $ 107,000 $ 88,000
Lamar, Mississippi 5 $ 537,000 $ 107,400 $ 64,000
Polk, Missouri 5 $ 747,000 $ 149,400 $ 41,000
Webster, Missouri 5 $ 540,000 $ 108,000 $ 63,000
Bergen, New Jersey 5 $ 1,280,000 $ 256,000 $ 130,000
Somerset, New Jersey 5 $ 1,477,000 $ 295,400 $ 112,000
Onondaga, New York 5 $ 355,000 $ 71,000 $ 47,000
Sullivan, New York 5 $ 437,000 $ 87,400 $ 56,000
Mahoning, Ohio 5 $ 671,000 $ 134,200 $ 32,000
Muskingum, Ohio 5 $ 402,000 $ 80,400 $ 45,000
Cherokee, Oklahoma 5 $ 296,000 $ 59,200 $ 65,000
Cleveland, Oklahoma 5 $ 375,000 $ 75,000 $ 71,000
Josephine, Oregon 5 $ 1,221,000 $ 244,200 $ 103,000
Yamhill, Oregon 5 $ 891,000 $ 178,200 $ 44,000
Florence, South Carolina 5 $ 538,000 $ 107,600 $ 45,000
Knox, Tennessee 5 $ 297,000 $ 59,400 $ 50,000
Hunt, Texas 5 $ 1,240,000 $ 248,000 $ 153,000
Montgomery, Texas 5 $ 678,000 $ 135,600 $ 87,000
Culpeper, Virginia 5 $ 686,000 $ 137,200 $ 56,000
Chelan, Washington 5 $ 725,000 $ 145,000 $ 71,000
Wood, West Virginia 5 $ 371,000 $ 74,200 $ 42,000
Sauk, Wisconsin 5 $ 2,213,000 $ 442,600 $ 134,000
Coffee, Alabama 4 $ 268,000 $ 67,000 $ 44,000
Pinal, Arizona 4 $ 482,000 $ 120,500 $ 41,000
Pulaski, Arkansas 4 $ 696,000 $ 174,000 $ 61,000
Imperial, California 4 $ 609,000 $ 152,250 $ 72,000
Merced, California 4 $ 869,000 $ 217,250 $ 181,000
Ventura, California 4 $ 1,368,000 $ 342,000 $ 145,000
Arapahoe, Colorado 4 $ 405,000 $ 101,250 $ 80,000
Douglas, Colorado 4 $ 497,000 $ 124,250 $ 56,000
Citrus, Florida 4 $ 438,000 $ 109,500 $ 88,000
Indian River, Florida 4 $ 734,000 $ 183,500 $ 96,000
Martin, Florida 4 $ 1,444,000 $ 361,000 $ 238,000
Okaloosa, Florida 4 $ 463,000 $ 115,750 $ 46,000
Douglas, Georgia 4 $ 538,000 $ 134,500 $ 63,000
Muscogee, Georgia 4 $ 399,000 $ 99,750 $ 91,000
Jefferson, Idaho 4 $ 439,000 $ 109,750 $ 62,000
Marion, Indiana 4 $ 392,000 $ 98,000 $ 53,000
Calvert, Maryland 4 $ 579,000 $ 144,750 $ 90,000
Carroll, Maryland 4 $ 1,067,000 $ 266,750 $ 131,000
Washington, Maryland 4 $ 337,000 $ 84,250 $ 49,000
Kent, Michigan 4 $ 445,000 $ 111,250 $ 127,000
Washtenaw, Michigan 4 $ 980,000 $ 245,000 $ 113,000
Lee, Mississippi 4 $ 387,000 $ 96,750 $ 67,000
Callaway, Missouri 4 $ 207,000 $ 51,750 $ 44,000
Lawrence, Missouri 4 $ 247,000 $ 61,750 $ 19,000
Missoula, Montana 4 $ 742,000 $ 185,500 $ 116,000
Treasure, Montana 4 $ 324,000 $ 81,000 $ 73,000
Yellowstone, Montana 4 $ 526,000 $ 131,500 $ 83,000
Delaware, New York 4 $ 298,000 $ 74,500 $ 42,000
Dutchess, New York 4 $ 1,813,000 $ 453,250 $ 137,000
Essex, New York 4 $ 473,000 $ 118,250 $ 95,000
Greene, New York 4 $ 414,000 $ 103,500 $ 88,000
Rensselaer, New York 4 $ 482,000 $ 120,500 $ 69,000
Guilford, North Carolina 4 $ 470,000 $ 117,500 $ 60,000
Allen, Ohio 4 $ 295,000 $ 73,750 $ 61,000
Belmont, Ohio 4 $ 143,000 $ 35,750 $ 45,000
Delaware, Ohio 4 $ 1,111,000 $ 277,750 $ 120,000
Medina, Ohio 4 $ 517,000 $ 129,250 $ 91,000
Portage, Ohio 4 $ 259,000 $ 64,750 $ 30,000
Trumbull, Ohio 4 $ 213,000 $ 53,250 $ 44,000
Osage, Oklahoma 4 $ 462,000 $ 115,500 $ 64,000
Wasco, Oregon 4 $ 324,000 $ 81,000 $ 115,000
Fayette, Pennsylvania 4 $ 244,000 $ 61,000 $ 61,000
Lackawanna, Pennsylvania 4 $ 523,000 $ 130,750 $ 71,000
Lancaster, Pennsylvania 4 $ 856,000 $ 214,000 $ 107,000
Northampton, Pennsylvania 4 $ 801,000 $ 200,250 $ 82,000
Georgetown, South Carolina 4 $ 671,000 $ 167,750 $ 36,000
Hamilton, Tennessee 4 $ 433,000 $ 108,250 $ 48,000
El Paso, Texas 4 $ 239,000 $ 59,750 $ 63,000
Fort Bend, Texas 4 $ 514,000 $ 128,500 $ 111,000
Hays, Texas 4 $ 1,108,000 $ 277,000 $ 454,000
Hidalgo, Texas 4 $ 605,000 $ 151,250 $ 68,000
Parker, Texas 4 $ 1,369,000 $ 342,250 $ 0
Randall, Texas 4 $ 306,000 $ 76,500 $ 38,000
Tooele, Utah 4 $ 415,000 $ 103,750 $ 95,000
Arlington, Virginia 4 $ 1,157,000 $ 289,250 $ 116,000
Frederick, Virginia 4 $ 1,225,000 $ 306,250 $ 142,000
Nottoway, Virginia 4 $ 469,000 $ 117,250 $ 66,000
Shenandoah, Virginia 4 $ 461,000 $ 115,250 $ 24,000
Suffolk, Virginia 4 $ 594,000 $ 148,500 $ 77,000
Adams, Washington 4 $ 367,000 $ 91,750 $ 32,000
Douglas, Washington 4 $ 682,000 $ 170,500 $ 96,000
Barron, Wisconsin 4 $ 274,000 $ 68,500 $ 104,000
St. Croix, Wisconsin 4 $ 1,900,000 $ 475,000 $ 255,000
Autauga, Alabama 3 $ 299,000 $ 99,666 $ 71,000
Butler, Alabama 3 $ 346,000 $ 115,333 $ 38,000
Elmore, Alabama 3 $ 379,000 $ 126,333 $ 72,000
Marshall, Alabama 3 $ 456,000 $ 152,000 $ 87,000
Lonoke, Arkansas 3 $ 181,000 $ 60,333 $ 52,000
White, Arkansas 3 $ 367,000 $ 122,333 $ 12,000
Placer, California 3 $ 534,000 $ 178,000 $ 129,000
San Mateo, California 3 $ 1,446,000 $ 482,000 $ 168,000
Stanislaus, California 3 $ 738,000 $ 246,000 $ 97,000
Yuba, California 3 $ 895,000 $ 298,333 $ 225,000
Clay, Florida 3 $ 558,000 $ 186,000 $ 72,000
Leon, Florida 3 $ 652,000 $ 217,333 $ 150,000
Manatee, Florida 3 $ 572,000 $ 190,666 $ 101,000
Santa Rosa, Florida 3 $ 410,000 $ 136,666 $ 40,000
Bibb, Georgia 3 $ 137,000 $ 45,666 $ 48,000
Houston, Georgia 3 $ 266,000 $ 88,666 $ 37,000
Newton, Georgia 3 $ 533,000 $ 177,666 $ 118,000
Rockdale, Georgia 3 $ 607,000 $ 202,333 $ 73,000
Sumter, Georgia 3 $ 301,000 $ 100,333 $ 24,000
Hawaii, Hawaii 3 $ 812,000 $ 270,666 $ 153,000
Cook, Illinois 3 $ 329,000 $ 109,666 $ 76,000
DuPage, Illinois 3 $ 650,000 $ 216,666 $ 86,000
Will, Illinois 3 $ 599,000 $ 199,666 $ 166,000
Clark, Indiana 3 $ 285,000 $ 95,000 $ 47,000
Harrison, Indiana 3 $ 297,000 $ 99,000 $ 56,000
Lawrence, Indiana 3 $ 265,000 $ 88,333 $ 45,000
Miami, Indiana 3 $ 193,000 $ 64,333 $ 36,000
Cerro Gordo, Iowa 3 $ 216,000 $ 72,000 $ 58,000
Hancock, Iowa 3 $ 235,000 $ 78,333 $ 44,000
Miami, Kansas 3 $ 370,000 $ 123,333 $ 79,000
Sedgwick, Kansas 3 $ 170,000 $ 56,666 $ 71,000
Wyandotte, Kansas 3 $ 210,000 $ 70,000 $ 55,000
Jefferson, Kentucky 3 $ 321,000 $ 107,000 $ 60,000
St. Mary's, Maryland 3 $ 598,000 $ 199,333 $ 49,000
Berkshire, Massachusetts 3 $ 1,002,000 $ 334,000 $ 115,000
Warren, Mississippi 3 $ 158,000 $ 52,666 $ 86,000
Flathead, Montana 3 $ 438,000 $ 146,000 $ 74,000
Gallatin, Montana 3 $ 406,000 $ 135,333 $ 56,000
Broome, New York 3 $ 241,000 $ 80,333 $ 66,000
Cattaraugus, New York 3 $ 187,000 $ 62,333 $ 33,000
New York, New York 3 $ 1,171,000 $ 390,333 $ 237,000
Orange, New York 3 $ 1,034,000 $ 344,666 $ 97,000
Cabarrus, North Carolina 3 $ 533,000 $ 177,666 $ 64,000
Harnett, North Carolina 3 $ 276,000 $ 92,000 $ 48,000
Iredell, North Carolina 3 $ 735,000 $ 245,000 $ 18,000
Stanly, North Carolina 3 $ 158,000 $ 52,666 $ 72,000
Vance, North Carolina 3 $ 202,000 $ 67,333 $ 36,000
Ashtabula, Ohio 3 $ 192,000 $ 64,000 $ 40,000
Stark, Ohio 3 $ 260,000 $ 86,666 $ 46,000
Pottawatomie, Oklahoma 3 $ 298,000 $ 99,333 $ 60,000
Wagoner, Oklahoma 3 $ 287,000 $ 95,666 $ 45,000
Clatsop, Oregon 3 $ 745,000 $ 248,333 $ 211,000
Klamath, Oregon 3 $ 433,000 $ 144,333 $ 72,000
Lane, Oregon 3 $ 437,000 $ 145,666 $ 56,000
Polk, Oregon 3 $ 509,000 $ 169,666 $ 85,000
Indiana, Pennsylvania 3 $ 274,000 $ 91,333 $ 79,000
Luzerne, Pennsylvania 3 $ 311,000 $ 103,666 $ 13,000
Wayne, Pennsylvania 3 $ 544,000 $ 181,333 $ 164,000
Lee, South Carolina 3 $ 157,000 $ 52,333 $ 16,000
Spartanburg, South Carolina 3 $ 181,000 $ 60,333 $ 146,000
York, South Carolina 3 $ 271,000 $ 90,333 $ 52,000
Bradley, Tennessee 3 $ 155,000 $ 51,666 $ 17,000
Gibson, Tennessee 3 $ 286,000 $ 95,333 $ 42,000
Bell, Texas 3 $ 394,000 $ 131,333 $ 119,000
Coryell, Texas 3 $ 142,000 $ 47,333 $ 95,000
Galveston, Texas 3 $ 219,000 $ 73,000 $ 69,000
Jefferson, Texas 3 $ 161,000 $ 53,666 $ 66,000
Waller, Texas 3 $ 285,000 $ 95,000 $ 52,000
Accomack, Virginia 3 $ 408,000 $ 136,000 $ 92,000
Louisa, Virginia 3 $ 489,000 $ 163,000 $ 41,000
Newport News, Virginia 3 $ 298,000 $ 99,333 $ 60,000
Southampton, Virginia 3 $ 400,000 $ 133,333 $ 67,000
Warren, Virginia 3 $ 641,000 $ 213,666 $ 52,000
Benton, Washington 3 $ 199,000 $ 66,333 $ 34,000
Grays Harbor, Washington 3 $ 531,000 $ 177,000 $ 119,000
Skagit, Washington 3 $ 741,000 $ 247,000 $ 74,000
Yakima, Washington 3 $ 449,000 $ 149,666 $ 16,000
Eau Claire, Wisconsin 3 $ 248,000 $ 82,666 $ 80,000
Outagamie, Wisconsin 3 $ 333,000 $ 111,000 $ 65,000
Walworth, Wisconsin 3 $ 288,000 $ 96,000 $ 124,000
Waukesha, Wisconsin 3 $ 619,000 $ 206,333 $ 114,000
Winnebago, Wisconsin 3 $ 688,000 $ 229,333 $ 110,000
Clarke, Alabama 2 $ 115,000 $ 57,500 $ 103,000
Madison, Alabama 2 $ 250,000 $ 125,000 $ 144,000
Sitka, Alaska 2 $ 194,000 $ 97,000 $ 45,000
Sebastian, Arkansas 2 $ 136,000 $ 68,000 $ 47,000
El Dorado, California 2 $ 901,000 $ 450,500 $ 127,000
Marin, California 2 $ 580,000 $ 290,000 $ 102,000
San Benito, California 2 $ 650,000 $ 325,000 $ 183,000
San Luis Obispo, California 2 $ 590,000 $ 295,000 $ 0
Santa Barbara, California 2 $ 591,000 $ 295,500 $ 99,000
Solano, California 2 $ 953,000 $ 476,500 $ 133,000
Tuolumne, California 2 $ 447,000 $ 223,500 $ 210,000
Yolo, California 2 $ 275,000 $ 137,500 $ 118,000
Pueblo, Colorado 2 $ 254,000 $ 127,000 $ 105,000
Litchfield, Connecticut 2 $ 285,000 $ 142,500 $ 36,000
Middlesex, Connecticut 2 $ 679,000 $ 339,500 $ 124,000
Dixie, Florida 2 $ 248,000 $ 124,000 $ 47,000
Escambia, Florida 2 $ 247,000 $ 123,500 $ 46,000
Levy, Florida 2 $ 218,000 $ 109,000 $ 21,000
Monroe, Florida 2 $ 327,000 $ 163,500 $ 100,000
Nassau, Florida 2 $ 469,000 $ 234,500 $ 96,000
Cobb, Georgia 2 $ 293,000 $ 146,500 $ 48,000
Coweta, Georgia 2 $ 373,000 $ 186,500 $ 75,000
Floyd, Georgia 2 $ 141,000 $ 70,500 $ 60,000
Haralson, Georgia 2 $ 219,000 $ 109,500 $ 49,000
Jackson, Georgia 2 $ 442,000 $ 221,000 $ 88,000
Paulding, Georgia 2 $ 140,000 $ 70,000 $ 58,000
Walton, Georgia 2 $ 174,000 $ 87,000 $ 83,000
Bingham, Idaho 2 $ 110,000 $ 55,000 $ 47,000
Bonneville, Idaho 2 $ 195,000 $ 97,500 $ 45,000
Canyon, Idaho 2 $ 512,000 $ 256,000 $ 124,000
Jerome, Idaho 2 $ 120,000 $ 60,000 $ 29,000
Minidoka, Idaho 2 $ 100,000 $ 50,000 $ 30,000
Champaign, Illinois 2 $ 116,000 $ 58,000 $ 42,000
Crawford, Indiana 2 $ 116,000 $ 58,000 $ 41,000
Lake, Indiana 2 $ 606,000 $ 303,000 $ 201,000
Warren, Indiana 2 $ 140,000 $ 70,000 $ 79,000
Fremont, Iowa 2 $ 66,000 $ 33,000 $ 60,000
Marion, Iowa 2 $ 298,000 $ 149,000 $ 81,000
Scott, Iowa 2 $ 324,000 $ 162,000 $ 51,000
Winnebago, Iowa 2 $ 262,000 $ 131,000 $ 110,000
Geary, Kansas 2 $ 181,000 $ 90,500 $ 64,000
Johnson, Kansas 2 $ 495,000 $ 247,500 $ 156,000
Leavenworth, Kansas 2 $ 449,000 $ 224,500 $ 100,000
Hardin, Kentucky 2 $ 304,000 $ 152,000 $ 136,000
Ascension, Louisiana 2 $ 243,000 $ 121,500 $ 77,000
Livingston, Louisiana 2 $ 214,000 $ 107,000 $ 120,000
St. Landry, Louisiana 2 $ 240,000 $ 120,000 $ 84,000
West Baton Rouge, Louisiana 2 $ 253,000 $ 126,500 $ 48,000
York, Maine 2 $ 363,000 $ 181,500 $ 63,000
Cecil, Maryland 2 $ 380,000 $ 190,000 $ 149,000
Wicomico, Maryland 2 $ 336,000 $ 168,000 $ 52,000
Hampshire, Massachusetts 2 $ 170,000 $ 85,000 $ 65,000
Arenac, Michigan 2 $ 230,000 $ 115,000 $ 72,000
Bay, Michigan 2 $ 90,000 $ 45,000 $ 23,000
Gladwin, Michigan 2 $ 266,000 $ 133,000 $ 66,000
Ionia, Michigan 2 $ 155,000 $ 77,500 $ 45,000
Kalamazoo, Michigan 2 $ 101,000 $ 50,500 $ 0
Muskegon, Michigan 2 $ 149,000 $ 74,500 $ 32,000
Blue Earth, Minnesota 2 $ 250,000 $ 125,000 $ 76,000
Cass, Minnesota 2 $ 1,300,000 $ 650,000 $ 386,000
Otter Tail, Minnesota 2 $ 90,000 $ 45,000 $ 42,000
Yazoo, Mississippi 2 $ 115,000 $ 57,500 $ 540,000
Christian, Missouri 2 $ 494,000 $ 247,000 $ 152,000
Dallas, Missouri 2 $ 172,000 $ 86,000 $ 27,000
Franklin, Missouri 2 $ 681,000 $ 340,500 $ 104,000
Morgan, Missouri 2 $ 175,000 $ 87,500 $ 77,000
Platte, Missouri 2 $ 134,000 $ 67,000 $ 42,000
Lewis and Clark, Montana 2 $ 135,000 $ 67,500 $ 63,000
Phillips, Montana 2 $ 65,000 $ 32,500 $ 31,000
Stillwater, Montana 2 $ 118,000 $ 59,000 $ 45,000
Toole, Montana 2 $ 341,000 $ 170,500 $ 176,000
Cedar, Nebraska 2 $ 103,000 $ 51,500 $ 27,000
Nemaha, Nebraska 2 $ 78,000 $ 39,000 $ 57,000
Belknap, New Hampshire 2 $ 510,000 $ 255,000 $ 96,000
Carroll, New Hampshire 2 $ 348,000 $ 174,000 $ 49,000
Cheshire, New Hampshire 2 $ 224,000 $ 112,000 $ 204,000
Coos, New Hampshire 2 $ 136,000 $ 68,000 $ 35,000
Curry, New Mexico 2 $ 82,000 $ 41,000 $ 26,000
Sierra, New Mexico 2 $ 115,000 $ 57,500 $ 45,000
Montgomery, New York 2 $ 108,000 $ 54,000 $ 21,000
Saratoga, New York 2 $ 274,000 $ 137,000 $ 48,000
Washington, New York 2 $ 177,000 $ 88,500 $ 42,000
Beaufort, North Carolina 2 $ 130,000 $ 65,000 $ 39,000
Brunswick, North Carolina 2 $ 409,000 $ 204,500 $ 82,000
Catawba, North Carolina 2 $ 178,000 $ 89,000 $ 80,000
Chowan, North Carolina 2 $ 100,000 $ 50,000 $ 110,000
Forsyth, North Carolina 2 $ 256,000 $ 128,000 $ 64,000
Franklin, North Carolina 2 $ 100,000 $ 50,000 $ 82,000
Johnston, North Carolina 2 $ 226,000 $ 113,000 $ 37,000
Page:

Mortgage Loan Application Detail Totals for Sunset Direct Lending in 2006

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 4,665 $793,391,000 $170,000 $1,750,000 $96,000 $1,991,000
Refinancing 2,024 $413,779,000 $204,000 $2,080,000 $92,000 $1,715,000
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,585 $451,401,000 $174,000 $2,080,000 $98,000 $1,991,000
Black or African American 1,781 $296,905,000 $166,000 $1,219,000 $84,000 $548,000
Hispanic 1,317 $254,495,000 $193,000 $1,500,000 $95,000 $660,000
Not Provided 715 $140,980,000 $197,000 $1,430,000 $103,000 $1,715,000
Asian 209 $47,238,000 $226,000 $971,000 $124,000 $977,000
Native Hawaiian or Other Pacific Islander 51 $11,365,000 $222,000 $685,000 $105,000 $312,000
American Indian or Alaskan Native 31 $4,786,000 $154,000 $596,000 $82,000 $203,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 6,684 $1,206,551,000 $180,000 $2,080,000 $95,000 $1,991,000
FHA-insured (Federal Housing Administration) 5 $619,000 $123,000 $176,000 $56,000 $81,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

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 2,833 $481,707,000 $170,000 $1,800,000 $93,000 $1,991,000
Application Approved But Not Accepted 2,296 $414,980,000 $180,000 $1,200,000 $88,000 $1,715,000
Application Denied By Financial Institution 981 $179,430,000 $182,000 $1,500,000 $102,000 $1,386,000
File Closed For Incompleteness 295 $75,466,000 $255,000 $2,080,000 $131,000 $720,000
Application Withdrawn By Applicant 284 $55,587,000 $195,000 $1,610,000 $112,000 $1,115,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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
Credit History 129 $27,583,000 $213,000 $1,470,000 $100,000 $550,000
Collateral 89 $19,628,000 $220,000 $1,500,000 $115,000 $420,000
Other 75 $14,717,000 $196,000 $1,010,000 $148,000 $1,386,000
Debt-To-Income Ratio 29 $4,315,000 $148,000 $403,000 $87,000 $306,000
Unverifiable Information 25 $4,834,000 $193,000 $648,000 $103,000 $330,000
Employment History 9 $1,722,000 $191,000 $404,000 $90,000 $130,000
Credit Application Incomplete 5 $1,965,000 $393,000 $1,125,000 $365,000 $660,000
Insufficient Cash (Downpayment, Closing Cost) 4 $2,139,000 $534,000 $855,000 $237,000 $352,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Sunset Direct Lending's 2006 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 Sunset Direct Lending'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 Oregon, download the full spreadsheet with aggregated HMDA statistics today.

Download the Oregon Lender List