Modoc County, CA Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 452 mortgage applications in Modoc County, CA totaling $72.4 million, up 37% from 2020. The average application was for $160,000, and applicants reported an average income of $73,000. 53% of applications resulted in an originated loan and 16% were denied. The most active lender was American Pacific Mortgage Corporation, with 63 applications, followed by Summit Funding.Inc 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 452
Total Mortgage Loan Application Amount $72,410,000
Average Mortgage Loan Application Amount $160,000
Highest Mortgage Loan Application Amount $1,305,000
Average Applicant Income $73,000
Highest Applicant Income $518,000

Mortgage Company List for Lending in Modoc County, CA for 2021

* 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
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 63 $ 11,335,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 26 $ 3,910,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 20 $ 2,120,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 15 $ 2,015,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 3,080,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 13 $ 2,845,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 13 $ 2,145,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 1,810,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 11 $ 2,095,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 11 $ 1,885,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 10 $ 1,910,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 9 $ 1,255,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 9 $ 1,475,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 9 $ 1,185,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 8 $ 1,560,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,070,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,100,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 7 $ 1,035,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 960,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 595,000
Tri Counties Bank
63 CONSTITUTION DRIVE
CHICO, CA 95973
* $ 6,469,416,000 5 $ 375,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 585,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 4 $ 290,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 4 $ 840,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 4 $ 470,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 590,000
Mountain West Financial, Inc.
1209 NEVADA ST. SUITE 200
REDLANDS, CA 92374
* $ -1,000 3 $ 295,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 3 $ 625,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 405,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 445,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 455,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 595,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 315,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 3 $ 325,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 595,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 465,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 3 $ 385,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 330,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 270,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 2 $ 380,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 2 $ 410,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 1,480,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 150,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 320,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 380,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ -1,000 2 $ 210,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 340,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 2 $ 690,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 370,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 2 $ 160,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 2 $ 280,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 310,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 450,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 2 $ 100,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 330,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 2 $ 510,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 125,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 195,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 1 $ 145,000
Synergy Home Mortgage, LLC
251 LITTLE FALLS DRIVE SUITE 1A
WILMINGTON, DE 19462
* $ -1,000 1 $ 145,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 185,000
Schoolsfirst FCU
2115 NORTH BROADWAY
TUSTIN, CA 92780
* $ 16,761,722,000 1 $ 75,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 95,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 125,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 155,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 13,110,529,000 1 $ 75,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 1 $ 105,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 115,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 175,000
Fremont Bank
39150 FREMONT BLVD
FREMONT, CA 94538
* $ 4,377,727,000 1 $ 235,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 105,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 165,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 12,304,722,000 1 $ 185,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 28,816,687,000 1 $ 115,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 125,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 1 $ 185,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 265,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 225,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 175,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 455,000
The First Financial Federal Credit Union
1600 W. CAMERON AVE
PASADENA, CA 91107
* $ 604,385,000 1 $ 125,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 165,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 22,178,675,000 1 $ 105,000
Premium Security, Inc.
901 N GREEN VALLEY PKWY STE 200
HENDERSON, NV 89074
* $ -1,000 1 $ 165,000
First Community Credit Union
200 N. ADAMS ST.
COQUILLE, OR 97423
* $ 1,168,075,000 1 $ 75,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 105,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 1 $ 115,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 235,000
Athas Capital Group, Inc.
27001 AGOURA ROAD, STE. 200
CALABASAS, CA 91301
* $ -1,000 1 $ 15,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 305,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 145,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 105,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 115,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 395,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 105,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 1,396,934,000 1 $ 195,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 145,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 65,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 175,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 245,000
Wheelhouse Credit Union
320 B ST
SAN DIEGO, CA 92171
* $ -1,000 1 $ 205,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 65,000
Welcome Home Funding, LLC
885 ISLAND DR STE 205
SACRAMENTO, CA 94502
* $ -1,000 1 $ 115,000

The tables below break down 2021 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 2021

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
Home Purchase 188 $32,310,000 $171,000 $1,305,000 $71,000 $518,000
Refinancing 165 $26,095,000 $158,000 $845,000 $73,000 $200,000
Cash-out Refinancing 77 $12,145,000 $157,000 $345,000 $74,000 $278,000
Other Purpose 11 $755,000 $68,000 $105,000 $84,000 $288,000
Home Improvement 10 $1,020,000 $102,000 $425,000 $69,000 $117,000
Not Applicable 1 $85,000 $85,000 $85,000 $0 $0

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 320 $52,130,000 $162,000 $1,305,000 $74,000 $518,000
Not Provided 76 $11,730,000 $154,000 $455,000 $75,000 $288,000
Hispanic 23 $3,595,000 $156,000 $345,000 $56,000 $162,000
Not applicable 18 $2,940,000 $163,000 $235,000 $32,000 $32,000
American Indian or Alaskan Native 10 $1,200,000 $120,000 $155,000 $74,000 $112,000
Asian 2 $320,000 $160,000 $175,000 $21,000 $43,000
Native Hawaiian or Other Pacific Islander 2 $330,000 $165,000 $255,000 $105,000 $108,000
Black or African American 1 $165,000 $165,000 $165,000 $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) 281 $45,215,000 $160,000 $1,305,000 $81,000 $518,000
FHA-insured (Federal Housing Administration) 94 $13,730,000 $146,000 $275,000 $50,000 $167,000
VA-guaranteed (Veterans Administration) 59 $10,935,000 $185,000 $845,000 $64,000 $278,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $2,530,000 $140,000 $185,000 $33,000 $65,000

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 239 $38,285,000 $160,000 $485,000 $74,000 $518,000
Application Denied By Financial Institution 73 $12,415,000 $170,000 $1,305,000 $69,000 $288,000
Application Withdrawn By Applicant 71 $11,495,000 $161,000 $455,000 $65,000 $200,000
Loan Purchased By The Institution 27 $4,135,000 $153,000 $235,000 $100,000 $518,000
File Closed For Incompleteness 23 $3,165,000 $137,000 $295,000 $88,000 $200,000
Application Approved But Not Accepted 17 $2,735,000 $160,000 $325,000 $60,000 $142,000
Preapproval Approved but not Accepted 2 $180,000 $90,000 $115,000 $78,000 $102,000
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
Not applicable 379 $59,995,000 $158,000 $485,000 $73,000 $518,000
Credit History 16 $3,310,000 $206,000 $1,305,000 $77,000 $171,000
Debt-To-Income Ratio 16 $2,110,000 $131,000 $395,000 $53,000 $278,000
Collateral 13 $2,215,000 $170,000 $305,000 $80,000 $179,000
Other 11 $2,415,000 $219,000 $845,000 $61,000 $114,000
Credit Application Incomplete 8 $1,150,000 $143,000 $195,000 $57,000 $118,000
Insufficient Cash (Downpayment, Closing Cost) 5 $635,000 $127,000 $155,000 $53,000 $111,000
Unverifiable Information 3 $435,000 $145,000 $175,000 $153,000 $288,000
Employment History 1 $145,000 $145,000 $145,000 $104,000 $104,000
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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