Modoc County, CA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 240 mortgage applications in Modoc County, CA totaling $32.8 million, up 4% from 2011. The average application was for $136,000, and applicants reported an average income of $65,000. 45% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 31 applications, followed by Bank of America NA and US Bank, N.A..
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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 | 240 |
| Total Mortgage Loan Application Amount | $32,833,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $3,036,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $250,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 31 | $ 3,981,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 25 | $ 3,325,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 16 | $ 1,732,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 14 | $ 1,109,000 |
| Golden Pacific Bank NA 980 9TH STREET SUITE 100 SACRAMENTO, CA 95814 |
* | $ 130,865,000 | 11 | $ 1,341,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 10 | $ 1,106,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 8 | $ 1,121,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 7 | $ 559,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 544,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 325,000 |
| Tri Counties Bank 63 CONSTITUTION DRIVE CHICO, CA 95973 |
* | $ 2,554,359,000 | 4 | $ 348,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 761,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 477,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 3 | $ 365,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 412,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 3 | $ 256,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 379,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 472,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 3 | $ 392,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 732,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 248,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 203,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 2 | $ 371,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 384,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 2 | $ 254,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,912,333,000 | 2 | $ 230,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 320,000 |
| Plumas Bank 35 S. LINDAN AVE. QUINCY, CA 95971 |
* | $ 454,262,000 | 2 | $ 419,000 |
| Sierra Central Credit Union 1351 HARTER PARKWAY YUBA CITY, CA 95993 |
* | $ 617,246,000 | 2 | $ 236,000 |
| California Bank & Trust 1940 CENTURY PARK EAST, SUITE 120 LOS ANGELES, CA 90067 |
* | $ 10,894,059,000 | 2 | $ 169,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 9,207,809,000 | 2 | $ 173,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 136,147,000 | 1 | $ 202,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 341,507,000 | 1 | $ 192,000 |
| Rabobank, National Association 915 HIGHLAND POINTE DRIVE ROSEVILLE, CA 95678 |
* | $ 11,745,000,000 | 1 | $ 3,036,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 12,019,539,000 | 1 | $ 58,000 |
| Star One Credit Union PO BOX 3643 SUNNYVALE, CA 94088 |
* | $ 5,931,892,000 | 1 | $ 116,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 57,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 143,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 40,000 |
| Valley Strong Credit Union 11500 BOLTHOUSE DRIVE BAKERSFIELD, CA 93311 |
* | $ 1,232,860,000 | 1 | $ 113,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 77,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 89,000 |
| Jfk Financial, Inc. 8985 S EASTERN AVE #325 LAS VEGAS, NV 89123 |
* | $ 5,820,485,000 | 1 | $ 62,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 1 | $ 118,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 67,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Redwood Credit Union P O BOX 6104 SANTA ROSA, CA 95406 |
* | $ 1,928,497,000 | 1 | $ 144,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,382,225,000 | 1 | $ 87,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 1 | $ 150,000 |
| Imortgage.Com, Inc. 4800 N. SCOTTSDALE ROAD, SUITE 3800 SCOTTSDALE, AZ 85251 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Eagle Home Mortgage of California 730 NW 107TH AVENUE, 4TH FL MIAMI, FL 33172 |
* | $ 10,000,000 | 1 | $ 186,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 127,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ 0 | 1 | $ 115,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 191,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 131,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 162,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 153,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 129,000 |
| Blufi Lending Corp. 1808 ASTON AVE., STE. 190 CARLSBAD, CA 92008 |
* | $ 4,703,000 | 1 | $ 72,000 |
| Suburban Mortgage Co of Nm 9401 JERONIMO ROAD STE 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 84,000 |
The tables below break down 2012 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 2012
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 | 183 | $26,624,000 | $145,000 | $3,036,000 | $67,000 | $250,000 |
| Home Purchase | 51 | $5,788,000 | $113,000 | $284,000 | $58,000 | $170,000 |
| Home Improvement | 6 | $421,000 | $70,000 | $136,000 | $40,000 | $80,000 |
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 | 186 | $23,738,000 | $127,000 | $432,000 | $64,000 | $225,000 |
| Not Provided | 30 | $3,429,000 | $114,000 | $202,000 | $74,000 | $201,000 |
| Hispanic | 11 | $983,000 | $89,000 | $171,000 | $70,000 | $173,000 |
| Not applicable | 7 | $3,807,000 | $543,000 | $3,036,000 | $7,000 | $52,000 |
| Asian | 3 | $297,000 | $99,000 | $193,000 | $133,000 | $250,000 |
| American Indian or Alaskan Native | 2 | $528,000 | $264,000 | $327,000 | $101,000 | $149,000 |
| Black or African American | 1 | $51,000 | $51,000 | $51,000 | $15,000 | $15,000 |
| 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) | 182 | $24,387,000 | $133,000 | $3,036,000 | $70,000 | $250,000 |
| FHA-insured (Federal Housing Administration) | 36 | $4,627,000 | $128,000 | $219,000 | $48,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,431,000 | $214,000 | $432,000 | $57,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $388,000 | $64,000 | $89,000 | $26,000 | $41,000 |
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 | 109 | $16,122,000 | $147,000 | $3,036,000 | $66,000 | $250,000 |
| Application Denied By Financial Institution | 63 | $7,063,000 | $112,000 | $358,000 | $59,000 | $205,000 |
| Loan Purchased By The Institution | 24 | $2,954,000 | $123,000 | $219,000 | $51,000 | $170,000 |
| Application Withdrawn By Applicant | 23 | $3,631,000 | $157,000 | $300,000 | $87,000 | $201,000 |
| File Closed For Incompleteness | 13 | $2,133,000 | $164,000 | $327,000 | $57,000 | $149,000 |
| Application Approved But Not Accepted | 8 | $930,000 | $116,000 | $202,000 | $81,000 | $179,000 |
| 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 | $2,972,000 | $141,000 | $358,000 | $73,000 | $205,000 |
| Credit History | 11 | $1,017,000 | $92,000 | $229,000 | $62,000 | $126,000 |
| Other | 8 | $746,000 | $93,000 | $174,000 | $41,000 | $80,000 |
| Debt-To-Income Ratio | 6 | $686,000 | $114,000 | $150,000 | $39,000 | $62,000 |
| Credit Application Incomplete | 4 | $305,000 | $76,000 | $108,000 | $85,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $318,000 | $106,000 | $141,000 | $48,000 | $74,000 |
| Unverifiable Information | 2 | $318,000 | $159,000 | $178,000 | $93,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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