Modoc County, CA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 218 mortgage applications in Modoc County, CA totaling $29.4 million, down 21% from 2009. The average application was for $134,000, and applicants reported an average income of $66,000. 36% of applications resulted in an originated loan and 33% were denied. The most active lender was Bank of America, N.A., with 44 applications, followed by Wells Fargo Bank, NA and US Bank North Dakota.
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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 | 218 |
| Total Mortgage Loan Application Amount | $29,402,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $610,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $626,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 44 | $ 5,494,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 28 | $ 3,350,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 17 | $ 1,483,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 10 | $ 998,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 773,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 6 | $ 936,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 6 | $ 981,000 |
| Eagle Home Mortgage, LLC 301 116TH AVENUE SE #400 BELLEVUE, WA 98004 |
* | $ 10,000,000 | 6 | $ 539,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 817,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 746,000 |
| Tri Counties Bank 63 CONSTITUTION DRIVE CHICO, CA 95973 |
* | $ 2,169,282,000 | 5 | $ 797,000 |
| Sydion Financial, LLC 33400 8TH AVE. S. STE 205 FEDERAL WAY, WA 98003 |
* | $ 11,000,000 | 4 | $ 432,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 4 | $ 719,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 3 | $ 269,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 485,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 319,000 |
| Plumas Bank 35 S. LINDAN AVE. QUINCY, CA 95971 |
* | $ 527,665,000 | 3 | $ 593,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 605,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 217,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 534,000 |
| First Mortgage Corporation 1131 W. 6TH STREET ONTARIO, CA 91762 |
* | $ 10,000,000 | 2 | $ 138,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 315,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 342,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 251,000 |
| Fremont Bank 39150 FREMONT BLVD FREMONT, CA 94538 |
* | $ 2,359,188,000 | 2 | $ 161,000 |
| California Bank & Trust 16041 GOLDENWEST STREET HUNTINGTON BEACH, CA 92647 |
* | $ 11,254,808,000 | 2 | $ 230,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 216,229,000 | 2 | $ 334,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 287,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 225,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 207,000 |
| Bay Federal Credit Union 3333 CLARES STREET CAPITOLA, CA 95010 |
* | $ 585,971,000 | 1 | $ 130,000 |
| Pacific Service Credit Union 3000 CLAYTON ROAD CONCORD, CA 94520 |
* | $ 1,061,658,000 | 1 | $ 215,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 222,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 150,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 64,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 268,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 263,000 |
| Bank of Stockton 301 E MINER AVE STOCKTON, CA 95202 |
* | $ 1,947,723,000 | 1 | $ 165,000 |
| North Valley Bank 836 E. CYPRESS AVE REDDING, CA 96002 |
* | $ 881,973,000 | 1 | $ 144,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 277,000 |
| Sre Mortgage Alliance Inc. 2245 CAMPUS DRIVE EL SEGUNDO, CA 90245 |
* | $ 1,000,000 | 1 | $ 363,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 147,000 |
| Land/Home Financial Services 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 352,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 253,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 10,000 |
| Suburban Mortgage Co of Nm 9401 JERONIMO ROAD STE 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Mason McDuffie Mortgage Corp 2010 CROW CANYON PLACE, SUITE 400 SAN RAMON, CA 94583 |
* | $ 1,300,000 | 1 | $ 105,000 |
| Rpm Mortgage Inc. 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 62,000,000 | 1 | $ 145,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 610,000 |
The tables below break down 2010 mortgage applications in Modoc County, CA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Modoc County, CA 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 |
|---|---|---|---|---|---|---|
| Refinancing | 163 | $23,526,000 | $144,000 | $610,000 | $66,000 | $272,000 |
| Home Purchase | 46 | $5,325,000 | $115,000 | $254,000 | $67,000 | $626,000 |
| Home Improvement | 9 | $551,000 | $61,000 | $179,000 | $64,000 | $201,000 |
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 | 150 | $20,002,000 | $133,000 | $363,000 | $68,000 | $451,000 |
| Not Provided | 41 | $5,957,000 | $145,000 | $610,000 | $65,000 | $272,000 |
| Not applicable | 10 | $1,474,000 | $147,000 | $237,000 | $0 | $0 |
| Hispanic | 10 | $1,125,000 | $112,000 | $350,000 | $54,000 | $200,000 |
| American Indian or Alaskan Native | 5 | $666,000 | $133,000 | $171,000 | $171,000 | $626,000 |
| Asian | 2 | $178,000 | $89,000 | $98,000 | $61,000 | $74,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 138 | $18,662,000 | $135,000 | $363,000 | $77,000 | $451,000 |
| FHA-insured (Federal Housing Administration) | 72 | $9,627,000 | $133,000 | $610,000 | $47,000 | $626,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,113,000 | $139,000 | $207,000 | $56,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 78 | $9,976,000 | $127,000 | $298,000 | $65,000 | $451,000 |
| Application Denied By Financial Institution | 72 | $10,757,000 | $149,000 | $610,000 | $72,000 | $272,000 |
| Loan Purchased By The Institution | 27 | $3,776,000 | $139,000 | $255,000 | $39,000 | $139,000 |
| Application Withdrawn By Applicant | 21 | $2,255,000 | $107,000 | $250,000 | $78,000 | $626,000 |
| File Closed For Incompleteness | 11 | $1,354,000 | $123,000 | $185,000 | $77,000 | $201,000 |
| Application Approved But Not Accepted | 9 | $1,284,000 | $142,000 | $363,000 | $77,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 21 | $3,207,000 | $152,000 | $352,000 | $84,000 | $260,000 |
| Credit History | 13 | $1,236,000 | $95,000 | $222,000 | $37,000 | $74,000 |
| Debt-To-Income Ratio | 12 | $1,625,000 | $135,000 | $277,000 | $65,000 | $178,000 |
| Other | 8 | $1,180,000 | $147,000 | $253,000 | $119,000 | $272,000 |
| Unverifiable Information | 3 | $867,000 | $289,000 | $610,000 | $44,000 | $97,000 |
| Credit Application Incomplete | 2 | $367,000 | $183,000 | $190,000 | $104,000 | $127,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $350,000 | $350,000 | $350,000 | $100,000 | $100,000 |
| 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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