Modoc County, CA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 244 mortgage applications in Modoc County, CA totaling $32.2 million, down 10% from 2016. The average application was for $131,000, and applicants reported an average income of $64,000. 40% of applications resulted in an originated loan and 20% were denied. The most active lender was US Bank, N.A., with 28 applications, followed by American Pacific Mortgage Corporation and Summit Funding.Inc.
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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 | 244 |
| Total Mortgage Loan Application Amount | $32,168,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,100,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 28 | $ 2,652,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 17 | $ 1,995,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 14 | $ 1,631,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 12 | $ 1,835,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 10 | $ 1,453,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 8 | $ 1,033,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 998,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 5 | $ 652,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 565,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 1,184,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 501,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 357,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 4 | $ 679,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 522,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 4 | $ 700,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 3 | $ 501,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 3 | $ 377,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 497,000 |
| United Community Mortgage Corp 40750 SYMPHONEY PARK LANE, STE 102 MURRIETA, CA 92562 |
* | $ -1,000 | 3 | $ 392,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 451,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 3 | $ 833,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 420,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 377,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 2 | $ 227,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ -1,000 | 2 | $ 230,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 354,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 135,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ 0 | 2 | $ 210,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 2 | $ 217,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 81,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 261,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 327,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 52,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 24,798,295,000 | 2 | $ 198,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 104,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 2 | $ 204,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 2 | $ 175,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 87,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 196,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 77,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 256,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 200,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 314,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 67,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 219,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 103,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 94,000 |
| Direct Mortgage Loans, LLC 111011 MCCORMICK RD, SUITE 400 HUNT VALLEY, MD 21031 |
* | $ 0 | 1 | $ 178,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,186,502,000 | 1 | $ 172,000 |
| Mountain West Financial, Inc. 1209 NEVADA ST. SUITE 200 REDLANDS, CA 92374 |
* | $ -1,000 | 1 | $ 75,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,870,076,000 | 1 | $ 291,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 104,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 227,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 143,000 |
| Amerifirst Financial, Inc. 1550 E. MCKELLIPS RD, SUITE 117 MESA, AZ 85203 |
* | $ -1,000 | 1 | $ 78,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 195,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 0 | 1 | $ 223,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 55,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 103,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 138,000 |
| Tri Counties Bank 63 CONSTITUTION DRIVE CHICO, CA 95973 |
* | $ 4,516,257,000 | 1 | $ 140,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 108,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 120,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 56,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 172,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 83,640,475,000 | 1 | $ 194,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 160,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 220,000 |
| Self Help Federal Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 716,820,000 | 1 | $ 107,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 212,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 13,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,686,060,000 | 1 | $ 69,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 198,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 745,138,000 | 1 | $ 107,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 112,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 267,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 63,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 157,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 118,000 |
The tables below break down 2017 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 2017
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 | 124 | $17,195,000 | $138,000 | $328,000 | $67,000 | $1,100,000 |
| Home Purchase | 107 | $13,801,000 | $128,000 | $360,000 | $56,000 | $234,000 |
| Home Improvement | 13 | $1,172,000 | $90,000 | $275,000 | $85,000 | $192,000 |
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 | 170 | $23,574,000 | $138,000 | $360,000 | $65,000 | $225,000 |
| Not Provided | 27 | $3,458,000 | $128,000 | $236,000 | $66,000 | $282,000 |
| Not applicable | 21 | $2,564,000 | $122,000 | $178,000 | $11,000 | $81,000 |
| Hispanic | 17 | $1,545,000 | $90,000 | $260,000 | $119,000 | $1,100,000 |
| American Indian or Alaskan Native | 5 | $563,000 | $112,000 | $177,000 | $51,000 | $72,000 |
| Asian | 2 | $212,000 | $106,000 | $135,000 | $37,000 | $48,000 |
| Black or African American | 2 | $252,000 | $126,000 | $129,000 | $36,000 | $72,000 |
| 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) | 134 | $16,529,000 | $123,000 | $338,000 | $77,000 | $1,100,000 |
| FHA-insured (Federal Housing Administration) | 55 | $7,676,000 | $139,000 | $264,000 | $43,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 37 | $6,090,000 | $164,000 | $360,000 | $64,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,873,000 | $104,000 | $146,000 | $30,000 | $74,000 |
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 | 98 | $12,964,000 | $132,000 | $360,000 | $68,000 | $234,000 |
| Application Denied By Financial Institution | 50 | $6,634,000 | $132,000 | $328,000 | $80,000 | $1,100,000 |
| Application Withdrawn By Applicant | 47 | $6,596,000 | $140,000 | $275,000 | $63,000 | $210,000 |
| Loan Purchased By The Institution | 27 | $3,375,000 | $125,000 | $256,000 | $21,000 | $109,000 |
| File Closed For Incompleteness | 13 | $1,256,000 | $96,000 | $167,000 | $46,000 | $101,000 |
| Application Approved But Not Accepted | 9 | $1,343,000 | $149,000 | $317,000 | $79,000 | $175,000 |
| 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 | 13 | $1,218,000 | $93,000 | $175,000 | $144,000 | $1,100,000 |
| Collateral | 11 | $1,745,000 | $158,000 | $328,000 | $89,000 | $282,000 |
| Debt-To-Income Ratio | 7 | $711,000 | $101,000 | $212,000 | $32,000 | $60,000 |
| Credit Application Incomplete | 3 | $405,000 | $135,000 | $150,000 | $59,000 | $85,000 |
| Other | 3 | $294,000 | $98,000 | $195,000 | $34,000 | $72,000 |
| Unverifiable Information | 1 | $59,000 | $59,000 | $59,000 | $40,000 | $40,000 |
| Employment History | 1 | $137,000 | $137,000 | $137,000 | $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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