In 2011, lenders reported 664 mortgage applications in Malheur County, OR totaling $90.7 million, down 17% from 2010. The average application was for $136,000, and applicants reported an average income of $55,000. 45% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank NA, with 107 applications, followed by Sterling Savings Bank and Bank of America NA.
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| Years | 2025 2024 2023 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 | 664 |
| Total Mortgage Loan Application Amount | $90,668,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $13,000,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $501,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 107 | $ 12,879,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 9,501,245,000 | 63 | $ 6,647,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 59 | $ 6,443,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 55 | $ 5,858,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 43 | $ 5,118,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 39 | $ 3,180,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 30 | $ 3,236,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 20 | $ 3,117,000 |
| Panhandle State Bank 414 CHURCH STREET SANDPOINT, ID 83864 |
* | $ 1,004,400,000 | 20 | $ 1,992,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 16,343,046,000 | 18 | $ 2,049,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 14 | $ 1,367,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 13 | $ 1,938,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 11 | $ 1,608,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 1,287,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 7 | $ 946,000 |
| dba Eagle Home Mortgage, LLC 700 NW 107TH AVENUE, 3RD FOOR MIAMI, FL 33172 |
* | $ 10,000,000 | 7 | $ 784,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 7 | $ 1,091,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 7 | $ 586,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 7 | $ 1,108,000 |
| Northwest Mortgage Group, Inc 10260 SW GREENBURG ROAD SUITE 900 PORTLAND, OR 97223 |
* | $ 10,000,000 | 5 | $ 622,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 625,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 5 | $ 735,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 516,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 4 | $ 729,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 4 | $ 486,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 595,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 375,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 685,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 402,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 339,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 107,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 102,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 101,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 373,000 |
| Summit Mortgage Corporation 4700 SW MACADAM AVE PORTLAND, OR 97239 |
* | $ 1,000,000,000 | 2 | $ 264,000 |
| Mortgage Express 10260 SW GREENBURG ROAD #830 PORTLAND, OR 97224 |
* | $ 10,000,000 | 2 | $ 281,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 163,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 260,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 222,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 531,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 112,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 2 | $ 133,000 |
| Icon Credit Union 7615 W. RIVERSIDE DR. BOISE, ID 83714 |
* | $ 137,047,000 | 2 | $ 203,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 162,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 1 | $ 114,000 |
| Siuslaw Bank 777 HWY 101 (MAIL TO: PO BOX 280) FLORENCE, OR 97439 |
* | $ 299,599,000 | 1 | $ 104,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 1 | $ 269,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 11,516,509,000 | 1 | $ 44,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 1 | $ 135,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 1 | $ 50,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 188,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 2,465,059,000 | 1 | $ 77,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 198,117,000 | 1 | $ 158,000 |
| Oregon State Credit Union PO BOX 306 CORVALLIS, OR 97339 |
* | $ 658,029,000 | 1 | $ 106,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 3,650,782,000 | 1 | $ 144,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 1 | $ 33,000 |
| Boeing Employees Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 9,185,625,000 | 1 | $ 148,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 865,515,000 | 1 | $ 131,000 |
| Red Canoe Credit Union 1418 15TH AVE LONGVIEW, WA 98632 |
* | $ 560,081,000 | 1 | $ 28,000 |
| Hapo Community Credit Union 7601 W CLEARWATER AVE KENNEWICK, WA 99336 |
* | $ 845,687,000 | 1 | $ 168,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 123,000 |
| Sa Mortgage Services, LLC 27001 AGOURA RD, SUITE 200 CALABASAS HILLS, CA 91301 |
* | $ 2,223,299,000 | 1 | $ 141,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 23,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 58,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 137,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 274,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 223,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 112,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 270,000 |
| Cwcapital LLC 63 KENDRICK STREET NEEDHAM, MA 02494 |
* | $ 31,000,000 | 1 | $ 13,000,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 82,000 |
| First Mortgage Corporation 1131 W 6TH STREET ONTARIO, CA 91762 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 11,458,366,000 | 1 | $ 146,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 113,000 |
The tables below break down 2011 mortgage applications in Malheur County, OR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 |
|---|---|---|---|---|---|---|
| Refinancing | 455 | $69,562,000 | $152,000 | $13,000,000 | $55,000 | $501,000 |
| Home Purchase | 174 | $19,753,000 | $113,000 | $448,000 | $55,000 | $379,000 |
| Home Improvement | 35 | $1,353,000 | $38,000 | $152,000 | $49,000 | $154,000 |
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 | 476 | $57,582,000 | $120,000 | $448,000 | $58,000 | $501,000 |
| Not Provided | 74 | $8,576,000 | $115,000 | $270,000 | $68,000 | $400,000 |
| Hispanic | 67 | $6,222,000 | $92,000 | $296,000 | $44,000 | $239,000 |
| Not applicable | 31 | $16,143,000 | $520,000 | $13,000,000 | $8,000 | $79,000 |
| Asian | 8 | $1,427,000 | $178,000 | $377,000 | $43,000 | $84,000 |
| American Indian or Alaskan Native | 7 | $611,000 | $87,000 | $113,000 | $20,000 | $47,000 |
| Black or African American | 1 | $107,000 | $107,000 | $107,000 | $127,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 413 | $47,946,000 | $116,000 | $448,000 | $66,000 | $501,000 |
| FHA-insured (Federal Housing Administration) | 174 | $34,055,000 | $195,000 | $13,000,000 | $39,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $5,504,000 | $101,000 | $212,000 | $34,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 23 | $3,163,000 | $137,000 | $269,000 | $38,000 | $120,000 |
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 | 298 | $47,751,000 | $160,000 | $13,000,000 | $59,000 | $501,000 |
| Application Denied By Financial Institution | 160 | $16,902,000 | $105,000 | $410,000 | $52,000 | $400,000 |
| Loan Purchased By The Institution | 98 | $12,010,000 | $122,000 | $377,000 | $36,000 | $122,000 |
| Application Withdrawn By Applicant | 50 | $7,001,000 | $140,000 | $296,000 | $72,000 | $366,000 |
| Application Approved But Not Accepted | 44 | $5,792,000 | $131,000 | $448,000 | $63,000 | $245,000 |
| File Closed For Incompleteness | 14 | $1,212,000 | $86,000 | $150,000 | $47,000 | $106,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 40 | $3,257,000 | $81,000 | $250,000 | $49,000 | $317,000 |
| Collateral | 36 | $4,940,000 | $137,000 | $410,000 | $78,000 | $400,000 |
| Debt-To-Income Ratio | 19 | $1,976,000 | $104,000 | $234,000 | $38,000 | $79,000 |
| Other | 16 | $1,484,000 | $92,000 | $254,000 | $54,000 | $141,000 |
| Credit Application Incomplete | 12 | $1,089,000 | $90,000 | $155,000 | $30,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $287,000 | $95,000 | $153,000 | $37,000 | $42,000 |
| Employment History | 2 | $231,000 | $115,000 | $147,000 | $37,000 | $45,000 |
| Unverifiable Information | 1 | $63,000 | $63,000 | $63,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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