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(HMDA) records Sunset Direct Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Portland-Vancouver-Beaverton, OR-WA | 426 | $ 89,092,000 | $ 209,136 | $ 123,788 |
| New York-White Plains-Wayne, NY-NJ | 343 | $ 105,631,000 | $ 307,962 | $ 120,446 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 194 | $ 47,317,000 | $ 243,902 | $ 111,577 |
| Nassau-Suffolk, NY | 175 | $ 47,485,000 | $ 271,342 | $ 127,000 |
| Orlando-Kissimmee, FL | 143 | $ 22,992,000 | $ 160,783 | $ 78,000 |
| Riverside-San Bernardino-Ontario, CA | 143 | $ 42,353,000 | $ 296,174 | $ 147,000 |
| Baltimore-Towson, MD | 141 | $ 17,211,000 | $ 122,063 | $ 76,000 |
| Los Angeles-Long Beach-Glendale, CA | 129 | $ 39,702,000 | $ 307,767 | $ 143,000 |
| Miami-Miami Beach-Kendall, FL | 115 | $ 32,874,000 | $ 285,860 | $ 149,000 |
| Houston-Sugar Land-Baytown, TX | 114 | $ 15,667,000 | $ 137,429 | $ 103,000 |
| Atlanta-Sandy Springs-Marietta, GA | 109 | $ 15,529,000 | $ 142,467 | $ 94,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 108 | $ 17,129,000 | $ 158,601 | $ 88,407 |
| Providence-New Bedford-Fall River, RI-MA | 103 | $ 19,682,000 | $ 191,087 | $ 75,427 |
| Tampa-St. Petersburg-Clearwater, FL | 101 | $ 16,112,000 | $ 159,524 | $ 87,000 |
| Anchorage, AK | 99 | $ 18,294,000 | $ 184,787 | $ 95,000 |
| Newark-Union, NJ-PA | 99 | $ 20,489,000 | $ 206,959 | $ 89,212 |
| Philadelphia, PA | 95 | $ 11,322,000 | $ 119,178 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 94 | $ 13,561,000 | $ 144,265 | $ 73,000 |
| Boston-Quincy, MA | 93 | $ 24,280,000 | $ 261,075 | $ 110,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 88 | $ 21,517,000 | $ 244,511 | $ 137,000 |
| Dallas-Plano-Irving, TX | 69 | $ 10,583,000 | $ 153,376 | $ 130,000 |
| Seattle-Bellevue-Everett, WA | 68 | $ 14,112,000 | $ 207,529 | $ 95,000 |
| Oklahoma City, OK | 67 | $ 5,117,000 | $ 76,373 | $ 59,000 |
| Phoenix-Mesa-Scottsdale, AZ | 67 | $ 13,283,000 | $ 198,253 | $ 105,000 |
| Bridgeport-Stamford-Norwalk, CT | 65 | $ 13,341,000 | $ 205,246 | $ 76,000 |
| New Haven-Milford, CT | 63 | $ 8,843,000 | $ 140,365 | $ 75,000 |
| St. Louis, MO-IL | 58 | $ 6,070,000 | $ 104,655 | $ 58,000 |
| Worcester, MA | 58 | $ 8,316,000 | $ 143,379 | $ 65,000 |
| Memphis, TN-MS-AR | 53 | $ 4,198,000 | $ 79,207 | $ 82,000 |
| Salt Lake City, UT | 53 | $ 14,145,000 | $ 266,886 | $ 168,000 |
| Bakersfield, CA | 51 | $ 8,611,000 | $ 168,843 | $ 73,000 |
| Camden, NJ | 51 | $ 8,791,000 | $ 172,372 | $ 90,000 |
| Jacksonville, FL | 49 | $ 6,450,000 | $ 131,632 | $ 75,000 |
| Springfield, MA | 49 | $ 6,609,000 | $ 134,877 | $ 64,000 |
| Fort Worth-Arlington, TX | 48 | $ 6,398,000 | $ 133,291 | $ 42,000 |
| Edison, NJ | 47 | $ 10,209,000 | $ 217,212 | $ 110,000 |
| Cambridge-Newton-Framingham, MA | 46 | $ 10,368,000 | $ 225,391 | $ 114,000 |
| Oakland-Fremont-Hayward, CA | 46 | $ 14,560,000 | $ 316,521 | $ 153,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 44 | $ 10,212,000 | $ 232,090 | $ 123,000 |
| Hartford-West Hartford-East Hartford, CT | 43 | $ 6,510,000 | $ 151,395 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 43 | $ 4,403,000 | $ 102,395 | $ 58,000 |
| Richmond, VA | 43 | $ 5,308,000 | $ 123,441 | $ 69,000 |
| Tacoma, WA | 43 | $ 7,235,000 | $ 168,255 | $ 96,000 |
| Columbia, SC | 40 | $ 4,300,000 | $ 107,500 | $ 55,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 39 | $ 9,279,000 | $ 237,923 | $ 134,000 |
| Charlotte-Gastonia-Concord, NC-SC | 37 | $ 5,841,000 | $ 157,864 | $ 90,594 |
| Kansas City, MO-KS | 36 | $ 4,075,000 | $ 113,194 | $ 73,666 |
| Birmingham-Hoover, AL | 35 | $ 4,779,000 | $ 136,542 | $ 87,000 |
| Essex County, MA | 35 | $ 7,070,000 | $ 202,000 | $ 103,000 |
| Mobile, AL | 33 | $ 2,881,000 | $ 87,303 | $ 60,000 |
| Wilmington, DE-MD-NJ | 33 | $ 4,459,000 | $ 135,121 | $ 74,484 |
| Salem, OR | 32 | $ 4,699,000 | $ 146,843 | $ 86,000 |
| Tucson, AZ | 32 | $ 4,681,000 | $ 146,281 | $ 60,000 |
| Provo-Orem, UT | 31 | $ 3,538,000 | $ 114,129 | $ 63,000 |
| Warren-Troy-Farmington Hills, MI | 30 | $ 6,108,000 | $ 203,600 | $ 123,000 |
| Lakeland, FL | 29 | $ 4,411,000 | $ 152,103 | $ 90,000 |
| Albany-Schenectady-Troy, NY | 28 | $ 4,051,000 | $ 144,678 | $ 102,000 |
| Springfield, MO | 28 | $ 5,625,000 | $ 200,892 | $ 110,000 |
| Pittsburgh, PA | 27 | $ 4,986,000 | $ 184,666 | $ 135,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 26 | $ 3,663,000 | $ 140,884 | $ 60,076 |
| Cleveland-Elyria-Mentor, OH | 26 | $ 3,974,000 | $ 152,846 | $ 111,000 |
| Tulsa, OK | 25 | $ 1,823,000 | $ 72,920 | $ 52,000 |
| Charleston-North Charleston, SC | 24 | $ 3,582,000 | $ 149,250 | $ 92,000 |
| Columbus, OH | 24 | $ 3,249,000 | $ 135,375 | $ 76,000 |
| Lawton, OK | 24 | $ 1,475,000 | $ 61,458 | $ 46,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 22 | $ 2,272,000 | $ 103,272 | $ 69,227 |
| Cape Coral-Fort Myers, FL | 21 | $ 3,613,000 | $ 172,047 | $ 87,000 |
| San Antonio, TX | 21 | $ 1,646,000 | $ 78,380 | $ 69,000 |
| Bethesda-Gaithersburg-Frederick, MD | 20 | $ 6,033,000 | $ 301,650 | $ 96,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 19 | $ 2,167,000 | $ 114,052 | $ 62,000 |
| Nashville-Davidson--Murfreesboro, TN | 19 | $ 1,716,000 | $ 90,315 | $ 67,000 |
| Little Rock-North Little Rock, AR | 18 | $ 2,263,000 | $ 125,722 | $ 64,000 |
| Fresno, CA | 17 | $ 2,613,000 | $ 153,705 | $ 89,000 |
| Stockton, CA | 17 | $ 5,017,000 | $ 295,117 | $ 130,000 |
| Dothan, AL | 16 | $ 1,954,000 | $ 122,125 | $ 121,000 |
| Palm Bay-Melbourne-Titusville, FL | 16 | $ 2,963,000 | $ 185,187 | $ 61,000 |
| Visalia-Porterville, CA | 16 | $ 2,064,000 | $ 129,000 | $ 69,000 |
| Baton Rouge, LA | 15 | $ 1,767,000 | $ 117,800 | $ 94,000 |
| Blacksburg-Christiansburg-Radford, VA | 15 | $ 1,884,000 | $ 125,600 | $ 68,000 |
| Jefferson City, MO | 15 | $ 1,052,000 | $ 70,133 | $ 41,000 |
| Santa Ana-Anaheim-Irvine, CA | 15 | $ 5,811,000 | $ 387,400 | $ 195,000 |
| Akron, OH | 14 | $ 1,194,000 | $ 85,285 | $ 53,000 |
| Harrisburg-Carlisle, PA | 14 | $ 1,076,000 | $ 76,857 | $ 41,000 |
| Ocala, FL | 14 | $ 1,753,000 | $ 125,214 | $ 91,000 |
| Port St. Lucie-Fort Pierce, FL | 14 | $ 3,346,000 | $ 239,000 | $ 143,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 2,881,000 | $ 221,615 | $ 96,000 |
| Des Moines-West Des Moines, IA | 13 | $ 1,118,000 | $ 86,000 | $ 45,000 |
| Jackson, MS | 13 | $ 1,498,000 | $ 115,230 | $ 137,000 |
| Johnson City, TN | 13 | $ 1,345,000 | $ 103,461 | $ 45,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 13 | $ 1,109,000 | $ 85,307 | $ 32,769 |
| Montgomery, AL | 12 | $ 1,112,000 | $ 92,666 | $ 57,000 |
| Ogden-Clearfield, UT | 12 | $ 1,438,000 | $ 119,833 | $ 72,000 |
| Trenton-Ewing, NJ | 12 | $ 1,039,000 | $ 86,583 | $ 89,000 |
| York-Hanover, PA | 12 | $ 2,294,000 | $ 191,166 | $ 76,000 |
| Cincinnati-Middletown, OH-KY-IN | 11 | $ 923,000 | $ 83,909 | $ 50,000 |
| Louisville-Jefferson County, KY-IN | 11 | $ 1,090,000 | $ 99,090 | $ 50,727 |
| Spokane, WA | 11 | $ 1,116,000 | $ 101,454 | $ 46,000 |
| Youngstown-Warren-Boardman, OH-PA | 11 | $ 944,000 | $ 85,818 | $ 38,636 |
| Denver-Aurora, CO | 10 | $ 1,178,000 | $ 117,800 | $ 62,000 |
| Greenville, SC | 10 | $ 778,000 | $ 77,800 | $ 61,000 |
| Manchester-Nashua, NH | 10 | $ 2,195,000 | $ 219,500 | $ 72,000 |
| Raleigh-Cary, NC | 10 | $ 1,057,000 | $ 105,700 | $ 59,000 |
| San Diego-Carlsbad-San Marcos, CA | 10 | $ 3,252,000 | $ 325,200 | $ 134,000 |
| Buffalo-Niagara Falls, NY | 9 | $ 1,234,000 | $ 137,111 | $ 98,000 |
| Chicago-Naperville-Joliet, IL | 9 | $ 1,578,000 | $ 175,333 | $ 109,000 |
| Honolulu, HI | 9 | $ 4,843,000 | $ 538,111 | $ 399,000 |
| Medford, OR | 9 | $ 1,824,000 | $ 202,666 | $ 122,000 |
| St. George, UT | 9 | $ 2,734,000 | $ 303,777 | $ 183,000 |
| Wenatchee, WA | 9 | $ 1,407,000 | $ 156,333 | $ 82,000 |
| Atlantic City, NJ | 8 | $ 771,000 | $ 96,375 | $ 57,000 |
| Fairbanks, AK | 8 | $ 1,105,000 | $ 138,125 | $ 75,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 429,000 | $ 53,625 | $ 44,500 |
| Longview, WA | 8 | $ 1,443,000 | $ 180,375 | $ 69,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 2,889,000 | $ 361,125 | $ 160,000 |
| Sarasota-Bradenton-Venice, FL | 8 | $ 1,153,000 | $ 144,125 | $ 102,000 |
| Scranton--Wilkes-Barre, PA | 8 | $ 970,000 | $ 121,250 | $ 51,000 |
| Austin-Round Rock, TX | 7 | $ 1,717,000 | $ 245,285 | $ 308,000 |
| Bend, OR | 7 | $ 2,400,000 | $ 342,857 | $ 145,000 |
| Brownsville-Harlingen, TX | 7 | $ 809,000 | $ 115,571 | $ 103,000 |
| Dayton, OH | 7 | $ 404,000 | $ 57,714 | $ 57,000 |
| Greenville, NC | 7 | $ 851,000 | $ 121,571 | $ 55,000 |
| Gulfport-Biloxi, MS | 7 | $ 720,000 | $ 102,857 | $ 45,000 |
| Knoxville, TN | 7 | $ 447,000 | $ 63,857 | $ 56,000 |
| Olympia, WA | 7 | $ 1,392,000 | $ 198,857 | $ 106,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 7 | $ 2,847,000 | $ 406,714 | $ 120,000 |
| Punta Gorda, FL | 7 | $ 1,026,000 | $ 146,571 | $ 70,000 |
| Rochester, NY | 7 | $ 675,000 | $ 96,428 | $ 83,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,311,000 | $ 187,285 | $ 52,000 |
| Waco, TX | 7 | $ 521,000 | $ 74,428 | $ 52,000 |
| Wheeling, WV-OH | 7 | $ 379,000 | $ 54,142 | $ 43,285 |
| Barnstable Town, MA | 6 | $ 1,502,000 | $ 250,333 | $ 53,000 |
| Chattanooga, TN-GA | 6 | $ 605,000 | $ 100,833 | $ 48,333 |
| College Station-Bryan, TX | 6 | $ 489,000 | $ 81,500 | $ 89,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 651,000 | $ 108,500 | $ 63,000 |
| Florence, SC | 6 | $ 588,000 | $ 98,000 | $ 40,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 600,000 | $ 100,000 | $ 99,000 |
| Holland-Grand Haven, MI | 6 | $ 424,000 | $ 70,666 | $ 48,000 |
| Idaho Falls, ID | 6 | $ 634,000 | $ 105,666 | $ 56,000 |
| Indianapolis-Carmel, IN | 6 | $ 1,009,000 | $ 168,166 | $ 74,000 |
| Killeen-Temple-Fort Hood, TX | 6 | $ 536,000 | $ 89,333 | $ 107,000 |
| Kingston, NY | 6 | $ 683,000 | $ 113,833 | $ 49,000 |
| Mansfield, OH | 6 | $ 216,000 | $ 36,000 | $ 107,000 |
| Panama City-Lynn Haven, FL | 6 | $ 1,203,000 | $ 200,500 | $ 72,000 |
| Reading, PA | 6 | $ 565,000 | $ 94,166 | $ 59,000 |
| Sumter, SC | 6 | $ 509,000 | $ 84,833 | $ 51,000 |
| Tuscaloosa, AL | 6 | $ 574,000 | $ 95,666 | $ 52,000 |
| Vineland-Millville-Bridgeton, NJ | 6 | $ 438,000 | $ 73,000 | $ 66,000 |
| Weirton-Steubenville, WV-OH | 6 | $ 514,000 | $ 85,666 | $ 43,000 |
| Amarillo, TX | 5 | $ 376,000 | $ 75,200 | $ 37,000 |
| Appleton, WI | 5 | $ 757,000 | $ 151,400 | $ 135,000 |
| Dover, DE | 5 | $ 810,000 | $ 162,000 | $ 97,000 |
| Flint, MI | 5 | $ 412,000 | $ 82,400 | $ 52,000 |
| Fort Smith, AR-OK | 5 | $ 310,000 | $ 62,000 | $ 38,600 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 382,000 | $ 76,400 | $ 58,800 |
| Hattiesburg, MS | 5 | $ 537,000 | $ 107,400 | $ 64,000 |
| Hot Springs, AR | 5 | $ 304,000 | $ 60,800 | $ 39,000 |
| Jackson, MI | 5 | $ 441,000 | $ 88,200 | $ 71,000 |
| Norwich-New London, CT | 5 | $ 880,000 | $ 176,000 | $ 75,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 657,000 | $ 131,400 | $ 42,000 |
| Rochester, MN | 5 | $ 535,000 | $ 107,000 | $ 88,000 |
| Salinas, CA | 5 | $ 1,287,000 | $ 257,400 | $ 167,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,026,000 | $ 405,200 | $ 141,000 |
| Syracuse, NY | 5 | $ 355,000 | $ 71,000 | $ 47,000 |
| Winchester, VA-WV | 5 | $ 1,325,000 | $ 265,000 | $ 118,000 |
| Ann Arbor, MI | 4 | $ 980,000 | $ 245,000 | $ 113,000 |
| Billings, MT | 4 | $ 526,000 | $ 131,500 | $ 83,000 |
| Columbus, GA-AL | 4 | $ 399,000 | $ 99,750 | $ 91,000 |
| El Centro, CA | 4 | $ 609,000 | $ 152,250 | $ 72,000 |
| El Paso, TX | 4 | $ 239,000 | $ 59,750 | $ 63,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 463,000 | $ 115,750 | $ 46,000 |
| Greensboro-High Point, NC | 4 | $ 470,000 | $ 117,500 | $ 60,000 |
| Lancaster, PA | 4 | $ 856,000 | $ 214,000 | $ 107,000 |
| Lima, OH | 4 | $ 295,000 | $ 73,750 | $ 61,000 |
| Macon, GA | 4 | $ 305,000 | $ 76,250 | $ 45,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 605,000 | $ 151,250 | $ 68,000 |
| Merced, CA | 4 | $ 869,000 | $ 217,250 | $ 181,000 |
| Missoula, MT | 4 | $ 742,000 | $ 185,500 | $ 116,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,368,000 | $ 342,000 | $ 145,000 |
| Sebastian-Vero Beach, FL | 4 | $ 734,000 | $ 183,500 | $ 96,000 |
| Tallahassee, FL | 4 | $ 761,000 | $ 190,250 | $ 126,000 |
| Wilmington, NC | 4 | $ 647,000 | $ 161,750 | $ 74,000 |
| Beaumont-Port Arthur, TX | 3 | $ 161,000 | $ 53,666 | $ 66,000 |
| Binghamton, NY | 3 | $ 241,000 | $ 80,333 | $ 66,000 |
| Canton-Massillon, OH | 3 | $ 260,000 | $ 86,666 | $ 46,000 |
| Charlottesville, VA | 3 | $ 436,000 | $ 145,333 | $ 51,000 |
| Cleveland, TN | 3 | $ 155,000 | $ 51,666 | $ 17,000 |
| Eau Claire, WI | 3 | $ 248,000 | $ 82,666 | $ 80,000 |
| Eugene-Springfield, OR | 3 | $ 437,000 | $ 145,666 | $ 56,000 |
| Kennewick-Richland-Pasco, WA | 3 | $ 199,000 | $ 66,333 | $ 34,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 449,000 | $ 149,666 | $ 68,333 |
| Modesto, CA | 3 | $ 738,000 | $ 246,000 | $ 97,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 741,000 | $ 247,000 | $ 74,000 |
| Oshkosh-Neenah, WI | 3 | $ 688,000 | $ 229,333 | $ 110,000 |
| Pittsfield, MA | 3 | $ 1,002,000 | $ 334,000 | $ 115,000 |
| Roanoke, VA | 3 | $ 335,000 | $ 111,666 | $ 37,000 |
| Spartanburg, SC | 3 | $ 181,000 | $ 60,333 | $ 146,000 |
| Warner Robins, GA | 3 | $ 266,000 | $ 88,666 | $ 37,000 |
| Wichita, KS | 3 | $ 170,000 | $ 56,666 | $ 71,000 |
| Yakima, WA | 3 | $ 449,000 | $ 149,666 | $ 16,000 |
| Yuba City, CA | 3 | $ 895,000 | $ 298,333 | $ 225,000 |
| Anderson, SC | 2 | $ 163,000 | $ 81,500 | $ 47,000 |
| Asheville, NC | 2 | $ 520,000 | $ 260,000 | $ 114,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 161,000 | $ 80,500 | $ 30,000 |
| Bay City, MI | 2 | $ 90,000 | $ 45,000 | $ 23,000 |
| Boise City-Nampa, ID | 2 | $ 512,000 | $ 256,000 | $ 124,000 |
| Champaign-Urbana, IL | 2 | $ 116,000 | $ 58,000 | $ 42,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 324,000 | $ 162,000 | $ 51,000 |
| Durham, NC | 2 | $ 334,000 | $ 167,000 | $ 56,000 |
| Elizabethtown, KY | 2 | $ 304,000 | $ 152,000 | $ 136,000 |
| Evansville, IN-KY | 2 | $ 141,000 | $ 70,500 | $ 61,000 |
| Gary, IN | 2 | $ 606,000 | $ 303,000 | $ 201,000 |
| Glens Falls, NY | 2 | $ 177,000 | $ 88,500 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 178,000 | $ 89,000 | $ 80,000 |
| Huntsville, AL | 2 | $ 250,000 | $ 125,000 | $ 144,000 |
| Kalamazoo-Portage, MI | 2 | $ 101,000 | $ 50,500 | $ 0 |
| Muskegon-Norton Shores, MI | 2 | $ 149,000 | $ 74,500 | $ 32,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 435,000 | $ 217,500 | $ 116,000 |
| Odessa, TX | 2 | $ 85,000 | $ 42,500 | $ 33,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 363,000 | $ 181,500 | $ 63,000 |
| Pueblo, CO | 2 | $ 254,000 | $ 127,000 | $ 105,000 |
| Racine, WI | 2 | $ 168,000 | $ 84,000 | $ 48,000 |
| Rocky Mount, NC | 2 | $ 198,000 | $ 99,000 | $ 48,000 |
| Rome, GA | 2 | $ 141,000 | $ 70,500 | $ 60,000 |
| Salisbury, MD | 2 | $ 336,000 | $ 168,000 | $ 52,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Santa Barbara-Santa Maria, CA | 2 | $ 591,000 | $ 295,500 | $ 99,000 |
| Sheboygan, WI | 2 | $ 67,000 | $ 33,500 | $ 98,000 |
| Springfield, OH | 2 | $ 115,000 | $ 57,500 | $ 25,000 |
| Vallejo-Fairfield, CA | 2 | $ 953,000 | $ 476,500 | $ 133,000 |
| Winston-Salem, NC | 2 | $ 256,000 | $ 128,000 | $ 64,000 |
| Albany, GA | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Albuquerque, NM | 1 | $ 180,000 | $ 180,000 | $ 69,000 |
| Bangor, ME | 1 | $ 179,000 | $ 179,000 | $ 64,000 |
| Battle Creek, MI | 1 | $ 114,000 | $ 114,000 | $ 55,000 |
| Bellingham, WA | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Bremerton-Silverdale, WA | 1 | $ 88,000 | $ 88,000 | $ 21,000 |
| Burlington, NC | 1 | $ 111,000 | $ 111,000 | $ 1,991,000 |
| Cedar Rapids, IA | 1 | $ 104,000 | $ 104,000 | $ 55,000 |
| Coeur D'Alene, ID | 1 | $ 252,000 | $ 252,000 | $ 92,000 |
| Colorado Springs, CO | 1 | $ 646,000 | $ 646,000 | $ 240,000 |
| Columbia, MO | 1 | $ 72,000 | $ 72,000 | $ 54,000 |
| Corvallis, OR | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Decatur, AL | 1 | $ 122,000 | $ 122,000 | $ 58,000 |
| Duluth, MN-WI | 1 | $ 247,000 | $ 247,000 | $ 240,000 |
| Elmira, NY | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Fayetteville, NC | 1 | $ 180,000 | $ 180,000 | $ 51,000 |
| Florence-Muscle Shoals, AL | 1 | $ 68,000 | $ 68,000 | $ 29,000 |
| Green Bay, WI | 1 | $ 109,000 | $ 109,000 | $ 32,000 |
| Harrisonburg, VA | 1 | $ 299,000 | $ 299,000 | $ 216,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 32,000 | $ 32,000 | $ 64,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 103,000 | $ 103,000 | $ 128,000 |
| Jackson, TN | 1 | $ 151,000 | $ 151,000 | $ 58,000 |
| Jacksonville, NC | 1 | $ 83,000 | $ 83,000 | $ 25,000 |
| Jonesboro, AR | 1 | $ 152,000 | $ 152,000 | $ 41,000 |
| Kokomo, IN | 1 | $ 76,000 | $ 76,000 | $ 29,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 152,000 | $ 152,000 | $ 79,000 |
| Lebanon, PA | 1 | $ 92,000 | $ 92,000 | $ 61,000 |
| Lewiston-Auburn, ME | 1 | $ 131,000 | $ 131,000 | $ 66,000 |
| Lexington-Fayette, KY | 1 | $ 76,000 | $ 76,000 | $ 98,000 |
| Lincoln, NE | 1 | $ 152,000 | $ 152,000 | $ 42,000 |
| Lubbock, TX | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Lynchburg, VA | 1 | $ 126,000 | $ 126,000 | $ 48,000 |
| Midland, TX | 1 | $ 108,000 | $ 108,000 | $ 57,000 |
| Napa, CA | 1 | $ 796,000 | $ 796,000 | $ 162,000 |
| Ocean City, NJ | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Pascagoula, MS | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Santa Fe, NM | 1 | $ 357,000 | $ 357,000 | $ 144,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Topeka, KS | 1 | $ 100,000 | $ 100,000 | $ 156,000 |
| Utica-Rome, NY | 1 | $ 86,000 | $ 86,000 | $ 114,000 |
| Valdosta, GA | 1 | $ 158,000 | $ 158,000 | $ 32,000 |
| Williamsport, PA | 1 | $ 96,000 | $ 96,000 | $ 38,000 |
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.
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