Modoc County, CA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 208 mortgage applications in Modoc County, CA totaling $28.6 million, down 32% from 2013. The average application was for $137,000, and applicants reported an average income of $71,000. 41% of applications resulted in an originated loan and 24% were denied. The most active lender was Banc of California, National Association, with 20 applications, followed by US Bank, N.A. and Wells Fargo Bank 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 | 208 |
| Total Mortgage Loan Application Amount | $28,621,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $910,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $433,000 |
* 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 |
|---|---|---|---|---|
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 3,618,297,000 | 20 | $ 2,023,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 18 | $ 1,923,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 11 | $ 1,235,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 11 | $ 733,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 8 | $ 715,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 1,016,000 |
| Podium Mortgage Capital LLC 3010 LAVA RIDGE COURT STE 220 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 5 | $ 961,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 944,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 4 | $ 1,946,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 3 | $ 681,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 226,000 |
| Provident Savings Bank, F.S.B. 3756 CENTRAL AVE RIVERSIDE, CA 92506 |
* | $ 1,134,080,000 | 3 | $ 353,000 |
| Travis Credit Union ONE TRAVIS WAY VACAVILLE, CA 95687 |
* | $ 2,144,539,000 | 3 | $ 224,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 227,000 |
| Golden Pacific Bank NA 980 9TH STREET SUITE 100 SACRAMENTO, CA 95814 |
* | $ 132,542,000 | 3 | $ 423,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 3 | $ 284,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 3 | $ 184,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 3 | $ 317,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 607,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 437,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 453,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 378,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ 40,000,000 | 2 | $ 130,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 84,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 465,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 216,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 2 | $ 224,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 135,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 181,000 |
| Plumas Bank 35 S. LINDAN AVE. QUINCY, CA 95971 |
* | $ 514,676,000 | 2 | $ 521,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 2 | $ 215,000 |
| San Diego County Credit Union 6545 SEQUENCE DRIVE SAN DIEGO, CA 92121 |
* | $ 6,348,542,000 | 2 | $ 142,000 |
| First Priority Financial 3700 HILBORN ROAD, SUITE 700 FAIRFIELD, AL 94534 |
* | $ 19,696,000 | 2 | $ 274,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 2 | $ 224,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 2 | $ 680,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 255,000 |
| Intercap Lending Inc. 26970 ALISO VIEJO PARKWAY, SUITE 100 ALISO VIEJO, CA 92656 |
* | $ 10,000,000 | 2 | $ 267,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 2 | $ 380,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ 64,596,484,000 | 2 | $ 233,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 207,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 272,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 362,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 83,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 271,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 25,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 5,846,566,000 | 1 | $ 279,000 |
| First US Community Credit Union 580 UNIVERSITY AVE SACRAMENTO, CO 95825 |
* | $ 253,347,000 | 1 | $ 185,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ 15,478,000 | 1 | $ 137,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 81,000 |
| First California Mortgage Co., Inc. 1400 N MCDOWELL BLVD, SUITE 300 PETALUMA, CA 94954 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 11,626,502,000 | 1 | $ 35,000 |
| MUFG Union Bank, National Association 9865 TOWNE CENTRE DRIVE, 3RD FLOOR SAN DIEGO, CA 92121 |
* | $ 105,286,470,000 | 1 | $ 400,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 174,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 119,376,000 | 1 | $ 156,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Rogue Federal Credit Union 1370 CENTER DRIVE MEDFORD, OR 97501 |
* | $ 854,372,000 | 1 | $ 5,000 |
| Fremont Bank 39150 FREMONT BLVD FREMONT, CA 94538 |
* | $ 2,507,050,000 | 1 | $ 96,000 |
| Tri Counties Bank 63 CONSTITUTION DRIVE CHICO, CA 95973 |
* | $ 2,742,786,000 | 1 | $ 500,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 117,000 |
| Rabobank, National Association 915 HIGHLAND POINTE DRIVE ROSEVILLE, CA 95678 |
* | $ 14,264,000,000 | 1 | $ 452,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 22,971,000,000 | 1 | $ 360,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 227,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 71,737,435,000 | 1 | $ 15,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 124,000 |
| California Bank & Trust 1940 CENTURY PARK EAST, SUITE 120 LOS ANGELES, CA 90067 |
* | $ 10,923,000,000 | 1 | $ 118,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 180,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 50,000 |
| Rpm Mortgage Inc. 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 62,000,000 | 1 | $ 80,000 |
The tables below break down 2014 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 2014
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 | 101 | $16,015,000 | $158,000 | $910,000 | $67,000 | $250,000 |
| Home Purchase | 93 | $11,843,000 | $127,000 | $575,000 | $73,000 | $433,000 |
| Home Improvement | 14 | $763,000 | $54,000 | $227,000 | $90,000 | $208,000 |
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 | 153 | $21,169,000 | $138,000 | $910,000 | $71,000 | $313,000 |
| Not Provided | 26 | $4,158,000 | $159,000 | $575,000 | $94,000 | $433,000 |
| Not applicable | 10 | $1,381,000 | $138,000 | $375,000 | $17,000 | $129,000 |
| Hispanic | 10 | $1,004,000 | $100,000 | $271,000 | $72,000 | $174,000 |
| American Indian or Alaskan Native | 4 | $422,000 | $105,000 | $174,000 | $82,000 | $170,000 |
| Black or African American | 4 | $406,000 | $101,000 | $170,000 | $42,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $81,000 | $81,000 | $81,000 | $65,000 | $65,000 |
| Asian | 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) | 126 | $17,078,000 | $135,000 | $910,000 | $84,000 | $433,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,257,000 | $134,000 | $276,000 | $57,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 24 | $4,368,000 | $182,000 | $446,000 | $54,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,918,000 | $100,000 | $176,000 | $36,000 | $68,000 |
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 | 85 | $9,625,000 | $113,000 | $452,000 | $68,000 | $433,000 |
| Application Denied By Financial Institution | 50 | $7,989,000 | $159,000 | $823,000 | $84,000 | $250,000 |
| Application Withdrawn By Applicant | 38 | $6,549,000 | $172,000 | $910,000 | $84,000 | $413,000 |
| Loan Purchased By The Institution | 15 | $1,810,000 | $120,000 | $227,000 | $28,000 | $129,000 |
| File Closed For Incompleteness | 12 | $1,777,000 | $148,000 | $362,000 | $76,000 | $150,000 |
| Application Approved But Not Accepted | 8 | $871,000 | $108,000 | $360,000 | $40,000 | $83,000 |
| 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 | 16 | $2,327,000 | $145,000 | $370,000 | $88,000 | $170,000 |
| Credit History | 8 | $602,000 | $75,000 | $227,000 | $96,000 | $208,000 |
| Debt-To-Income Ratio | 6 | $548,000 | $91,000 | $174,000 | $48,000 | $80,000 |
| Credit Application Incomplete | 5 | $341,000 | $68,000 | $90,000 | $78,000 | $208,000 |
| Other | 5 | $1,630,000 | $326,000 | $823,000 | $86,000 | $138,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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