Sunset Mortgage Co Mortgage Lending & HMDA Data, 2010
In 2010, Sunset Mortgage Co of Portland, OR reported 2,310 mortgage applications totaling $459.7 million, up 52% from 2009. The average application was for $199,007, and applicants reported an average income of $77,062. 83% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (1,249), Salem, OR (240) and Bend, OR (204) (applications in parentheses).
| Mortgage Company & Address | Sunset Mortgage Co 16101 Sw 72nd Ave Ste 200 Portland, OR 97224 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 |
| Total Number of Mortgage Applications | 2,310 |
| Total Mortgage Loan Application Amount | $459,708,000 |
| Average Mortgage Loan Application Amount | $199,007 |
| Highest Mortgage Loan Application Amount | $670,000 |
| Average Applicant Income | $77,062 |
| Highest Applicant Income | $1,300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sunset Mortgage Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington, Oregon | 377 | $ 79,536,000 | $ 210,970 | $ 75,000 |
| Multnomah, Oregon | 311 | $ 65,518,000 | $ 210,668 | $ 77,000 |
| Clackamas, Oregon | 242 | $ 57,666,000 | $ 238,289 | $ 78,000 |
| Deschutes, Oregon | 204 | $ 37,676,000 | $ 184,686 | $ 93,000 |
| Marion, Oregon | 192 | $ 35,813,000 | $ 186,526 | $ 71,000 |
| Yamhill, Oregon | 149 | $ 29,335,000 | $ 196,879 | $ 71,000 |
| Clark, Washington | 138 | $ 29,647,000 | $ 214,833 | $ 89,000 |
| Marion, Indiana | 62 | $ 6,877,000 | $ 110,919 | $ 50,000 |
| Clark, Nevada | 60 | $ 8,008,000 | $ 133,466 | $ 56,000 |
| Benton, Oregon | 53 | $ 12,132,000 | $ 228,905 | $ 94,000 |
| Lane, Oregon | 48 | $ 8,543,000 | $ 177,979 | $ 57,000 |
| Polk, Oregon | 48 | $ 9,881,000 | $ 205,854 | $ 95,000 |
| Hamilton, Indiana | 30 | $ 4,711,000 | $ 157,033 | $ 64,000 |
| Columbia, Oregon | 30 | $ 5,797,000 | $ 193,233 | $ 58,000 |
| Linn, Oregon | 30 | $ 4,173,000 | $ 139,100 | $ 61,000 |
| Lincoln, Oregon | 27 | $ 6,060,000 | $ 224,444 | $ 116,000 |
| Spokane, Washington | 25 | $ 5,182,000 | $ 207,280 | $ 72,000 |
| Boone, Indiana | 20 | $ 3,795,000 | $ 189,750 | $ 70,000 |
| King, Washington | 19 | $ 4,570,000 | $ 240,526 | $ 88,000 |
| Tillamook, Oregon | 16 | $ 3,473,000 | $ 217,062 | $ 206,000 |
| Pierce, Washington | 15 | $ 2,983,000 | $ 198,866 | $ 67,000 |
| Putnam, Indiana | 13 | $ 2,109,000 | $ 162,230 | $ 84,000 |
| Knox, Indiana | 12 | $ 1,194,000 | $ 99,500 | $ 56,000 |
| Hendricks, Indiana | 11 | $ 1,641,000 | $ 149,181 | $ 45,000 |
| Crook, Oregon | 9 | $ 1,410,000 | $ 156,666 | $ 77,000 |
| Douglas, Oregon | 9 | $ 1,560,000 | $ 173,333 | $ 59,000 |
| Snohomish, Washington | 9 | $ 2,341,000 | $ 260,111 | $ 57,000 |
| Clatsop, Oregon | 8 | $ 1,859,000 | $ 232,375 | $ 166,000 |
| Morgan, Indiana | 7 | $ 1,040,000 | $ 148,571 | $ 46,000 |
| Thurston, Washington | 7 | $ 1,236,000 | $ 176,571 | $ 80,000 |
| Kootenai, Idaho | 5 | $ 868,000 | $ 173,600 | $ 57,000 |
| Daviess, Indiana | 5 | $ 1,321,000 | $ 264,200 | $ 96,000 |
| Johnson, Indiana | 5 | $ 604,000 | $ 120,800 | $ 46,000 |
| Jackson, Oregon | 5 | $ 1,563,000 | $ 312,600 | $ 196,000 |
| Cowlitz, Washington | 5 | $ 915,000 | $ 183,000 | $ 80,000 |
| Yakima, Washington | 5 | $ 862,000 | $ 172,400 | $ 89,000 |
| Josephine, Oregon | 4 | $ 781,000 | $ 195,250 | $ 56,000 |
| Benton, Washington | 4 | $ 737,000 | $ 184,250 | $ 71,000 |
| Clallam, Washington | 4 | $ 751,000 | $ 187,750 | $ 61,000 |
| Kitsap, Washington | 4 | $ 620,000 | $ 155,000 | $ 23,000 |
| Skagit, Washington | 4 | $ 1,014,000 | $ 253,500 | $ 95,000 |
| Shelby, Indiana | 3 | $ 280,000 | $ 93,333 | $ 45,000 |
| Adams, Washington | 3 | $ 507,000 | $ 169,000 | $ 68,000 |
| Mason, Washington | 3 | $ 878,000 | $ 292,666 | $ 94,000 |
| Ada, Idaho | 2 | $ 348,000 | $ 174,000 | $ 53,000 |
| Bonner, Idaho | 2 | $ 291,000 | $ 145,500 | $ 13,000 |
| Bonneville, Idaho | 2 | $ 377,000 | $ 188,500 | $ 83,000 |
| Latah, Idaho | 2 | $ 220,000 | $ 110,000 | $ 78,000 |
| Hancock, Indiana | 2 | $ 476,000 | $ 238,000 | $ 23,000 |
| Madison, Indiana | 2 | $ 153,000 | $ 76,500 | $ 29,000 |
| Coos, Oregon | 2 | $ 269,000 | $ 134,500 | $ 41,000 |
| Curry, Oregon | 2 | $ 559,000 | $ 279,500 | $ 148,000 |
| Hood River, Oregon | 2 | $ 386,000 | $ 193,000 | $ 105,000 |
| Jefferson, Oregon | 2 | $ 339,000 | $ 169,500 | $ 69,000 |
| Klamath, Oregon | 2 | $ 390,000 | $ 195,000 | $ 113,000 |
| Lake, Oregon | 2 | $ 252,000 | $ 126,000 | $ 68,000 |
| Umatilla, Oregon | 2 | $ 347,000 | $ 173,500 | $ 15,000 |
| Wallowa, Oregon | 2 | $ 242,000 | $ 121,000 | $ 38,000 |
| Wasco, Oregon | 2 | $ 248,000 | $ 124,000 | $ 33,000 |
| Asotin, Washington | 2 | $ 534,000 | $ 267,000 | $ 80,000 |
| Pacific, Washington | 2 | $ 212,000 | $ 106,000 | $ 33,000 |
| Skamania, Washington | 2 | $ 340,000 | $ 170,000 | $ 43,000 |
| Walla Walla, Washington | 2 | $ 365,000 | $ 182,500 | $ 80,000 |
| Whatcom, Washington | 2 | $ 513,000 | $ 256,500 | $ 124,000 |
| Blaine, Idaho | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Boundary, Idaho | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Jerome, Idaho | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Minidoka, Idaho | 1 | $ 122,000 | $ 122,000 | $ 26,000 |
| Nez Perce, Idaho | 1 | $ 143,000 | $ 143,000 | $ 49,000 |
| Washington, Idaho | 1 | $ 124,000 | $ 124,000 | $ 31,000 |
| Clark, Indiana | 1 | $ 221,000 | $ 221,000 | $ 82,000 |
| Fountain, Indiana | 1 | $ 145,000 | $ 145,000 | $ 128,000 |
| Gibson, Indiana | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Henry, Indiana | 1 | $ 38,000 | $ 38,000 | $ 38,000 |
| Lake, Indiana | 1 | $ 107,000 | $ 107,000 | $ 88,000 |
| Parke, Indiana | 1 | $ 178,000 | $ 178,000 | $ 86,000 |
| Tippecanoe, Indiana | 1 | $ 117,000 | $ 117,000 | $ 34,000 |
| Nye, Nevada | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Baker, Oregon | 1 | $ 300,000 | $ 300,000 | $ 192,000 |
| Chelan, Washington | 1 | $ 151,000 | $ 151,000 | $ 51,000 |
| Douglas, Washington | 1 | $ 361,000 | $ 361,000 | $ 168,000 |
| Franklin, Washington | 1 | $ 123,000 | $ 123,000 | $ 30,000 |
| Island, Washington | 1 | $ 305,000 | $ 305,000 | $ 56,000 |
| Jefferson, Washington | 1 | $ 134,000 | $ 134,000 | $ 21,000 |
| Kittitas, Washington | 1 | $ 174,000 | $ 174,000 | $ 56,000 |
| Lewis, Washington | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Okanogan, Washington | 1 | $ 395,000 | $ 395,000 | $ 192,000 |
| San Juan, Washington | 1 | $ 417,000 | $ 417,000 | $ 67,000 |
| Stevens, Washington | 1 | $ 103,000 | $ 103,000 | $ 67,000 |
| Whitman, Washington | 1 | $ 129,000 | $ 129,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Sunset Mortgage Co in 2010
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 | 1,131 | $214,999,000 | $190,000 | $670,000 | $75,000 | $936,000 |
| Refinancing | 1,131 | $235,418,000 | $208,000 | $577,000 | $79,000 | $1,300,000 |
| Home Improvement | 48 | $9,291,000 | $193,000 | $417,000 | $80,000 | $372,000 |
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 | 1,977 | $395,897,000 | $200,000 | $596,000 | $80,000 | $1,300,000 |
| Hispanic | 109 | $18,002,000 | $165,000 | $367,000 | $55,000 | $366,000 |
| Not Provided | 88 | $20,554,000 | $233,000 | $670,000 | $62,000 | $288,000 |
| Asian | 74 | $14,257,000 | $192,000 | $384,000 | $81,000 | $379,000 |
| Black or African American | 36 | $5,922,000 | $164,000 | $404,000 | $51,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $1,960,000 | $150,000 | $215,000 | $43,000 | $96,000 |
| American Indian or Alaskan Native | 13 | $3,116,000 | $239,000 | $417,000 | $72,000 | $159,000 |
| 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) | 1,216 | $249,687,000 | $205,000 | $670,000 | $98,000 | $1,300,000 |
| FHA-insured (Federal Housing Administration) | 888 | $173,820,000 | $195,000 | $577,000 | $55,000 | $267,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 121 | $20,253,000 | $167,000 | $321,000 | $47,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 85 | $15,948,000 | $187,000 | $371,000 | $61,000 | $147,000 |
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 | 1,923 | $380,202,000 | $197,000 | $448,000 | $77,000 | $1,300,000 |
| Application Withdrawn By Applicant | 197 | $41,391,000 | $210,000 | $670,000 | $85,000 | $936,000 |
| Application Denied By Financial Institution | 130 | $26,478,000 | $203,000 | $596,000 | $73,000 | $360,000 |
| Application Approved But Not Accepted | 42 | $8,251,000 | $196,000 | $366,000 | $79,000 | $226,000 |
| File Closed For Incompleteness | 18 | $3,386,000 | $188,000 | $363,000 | $60,000 | $164,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 35 | $6,987,000 | $199,000 | $577,000 | $49,000 | $157,000 |
| Collateral | 27 | $5,904,000 | $218,000 | $596,000 | $94,000 | $240,000 |
| Credit History | 16 | $3,054,000 | $190,000 | $343,000 | $90,000 | $360,000 |
| Other | 13 | $2,488,000 | $191,000 | $417,000 | $101,000 | $214,000 |
| Employment History | 6 | $942,000 | $157,000 | $204,000 | $39,000 | $59,000 |
| Mortgage Insurance Denied | 3 | $546,000 | $182,000 | $290,000 | $70,000 | $103,000 |
| Unverifiable Information | 2 | $268,000 | $134,000 | $183,000 | $47,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $317,000 | $158,000 | $248,000 | $43,000 | $46,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sunset Mortgage Co's 2010 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 Mortgage Co'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.
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