Modoc County, CA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 326 mortgage applications in Modoc County, CA totaling $39.5 million, down 44% from 2007. The average application was for $121,000, and applicants reported an average income of $62,000. 32% of applications resulted in an originated loan and 37% were denied. The most active lender was Bank of America, N.A., with 44 applications, followed by US Bank North Dakota and Countrywide Bank FSB.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in California.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 326 |
| Total Mortgage Loan Application Amount | $39,476,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $361,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $274,000 |
Top Mortgage Lenders in Modoc County, CA (2008)
Ranked by the number of mortgage applications each lender reported in Modoc County, CA in 2008.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bank of America, N.A. Calabasas, CA |
44 | $5,007,000 | $113,000 | $64,000 |
| 2 | US Bank North Dakota Milwaukee, WI |
25 | $1,533,000 | $61,000 | $50,000 |
| 3 | Countrywide Bank FSB Westlake Village, CA |
25 | $3,431,000 | $137,000 | $57,000 |
| 4 | Wells Fargo Bank, NA Des Moines, IA |
16 | $2,050,000 | $128,000 | $89,000 |
| 5 | Beneficial Company LLC Mettawa, IL |
16 | $1,346,000 | $84,000 | $49,000 |
| 6 | Gmac Mortgage LLC Ft. Washington, PA |
15 | $2,273,000 | $151,000 | $63,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
13 | $1,486,000 | $114,000 | $54,000 |
| 8 | Capital One NA Baton Rouge, LA |
9 | $112,000 | $12,000 | $63,000 |
| 9 | Wells Fargo Fin'l California Des Moines, IA |
9 | $692,000 | $76,000 | $57,000 |
| 10 | Plumas Bank Quincy, CA |
9 | $1,423,000 | $158,000 | $71,000 |
The tables below break down 2008 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 2008
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 | 190 | $25,787,000 | $135,000 | $361,000 | $59,000 | $274,000 |
| Home Purchase | 76 | $9,742,000 | $128,000 | $281,000 | $74,000 | $200,000 |
| Home Improvement | 60 | $3,947,000 | $65,000 | $258,000 | $59,000 | $239,000 |
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 | 219 | $26,598,000 | $121,000 | $361,000 | $66,000 | $274,000 |
| Not Provided | 63 | $7,303,000 | $115,000 | $299,000 | $53,000 | $143,000 |
| Hispanic | 21 | $2,794,000 | $133,000 | $235,000 | $71,000 | $170,000 |
| Not applicable | 13 | $1,690,000 | $130,000 | $228,000 | $41,000 | $110,000 |
| American Indian or Alaskan Native | 9 | $916,000 | $101,000 | $224,000 | $45,000 | $84,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $65,000 | $65,000 |
| Asian | 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) | 258 | $29,907,000 | $115,000 | $361,000 | $66,000 | $274,000 |
| FHA-insured (Federal Housing Administration) | 66 | $9,244,000 | $140,000 | $299,000 | $47,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $31,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 1 | $190,000 | $190,000 | $190,000 | $3,000 | $3,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 119 | $13,724,000 | $115,000 | $361,000 | $56,000 | $200,000 |
| Loan Originated | 104 | $12,123,000 | $116,000 | $259,000 | $67,000 | $274,000 |
| Application Withdrawn By Applicant | 42 | $5,728,000 | $136,000 | $358,000 | $66,000 | $197,000 |
| Loan Purchased By The Institution | 36 | $5,050,000 | $140,000 | $235,000 | $56,000 | $239,000 |
| Application Approved But Not Accepted | 13 | $1,515,000 | $116,000 | $270,000 | $85,000 | $179,000 |
| File Closed For Incompleteness | 12 | $1,336,000 | $111,000 | $168,000 | $62,000 | $154,000 |
| 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 | 27 | $3,863,000 | $143,000 | $227,000 | $66,000 | $200,000 |
| Debt-To-Income Ratio | 18 | $2,169,000 | $120,000 | $361,000 | $37,000 | $89,000 |
| Credit History | 17 | $814,000 | $47,000 | $156,000 | $59,000 | $160,000 |
| Other | 8 | $964,000 | $120,000 | $281,000 | $59,000 | $120,000 |
| Unverifiable Information | 3 | $275,000 | $91,000 | $161,000 | $102,000 | $160,000 |
| Credit Application Incomplete | 3 | $302,000 | $100,000 | $133,000 | $61,000 | $79,000 |
| Employment History | 1 | $112,000 | $112,000 | $112,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $119,000 | $119,000 | $119,000 | $75,000 | $75,000 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About