Sherman County, OR Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 48 mortgage applications in Sherman County, OR totaling $5.3 million, down 23% from 2008. The average application was for $110,000, and applicants reported an average income of $65,000. 42% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank, NA, with 11 applications, followed by Bank of America, N.A. and Capital One 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 | 48 |
| Total Mortgage Loan Application Amount | $5,288,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $181,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 11 | $ 1,241,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 7 | $ 769,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 19,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 274,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 2 | $ 318,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 12,264,416,000 | 2 | $ 122,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 212,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 250,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 37,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 2 | $ 496,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Evergreen Moneysource Mortgage 915 118TH AVENUE SE, SUITE 300 BELLEVUE, WA 98005 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Mann Mortgage LLC 1220 WHITEFISH STAGE KALISPELL, MT 59901 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 221,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 182,000 |
| Columbia River Bank PO BOX 1050 THE DALLES, OR 97058 |
* | $ 1,121,497,000 | 1 | $ 26,000 |
| Oregon State Credit Union PO BOX 306 CORVALLIS, OR 97339 |
* | $ 536,284,000 | 1 | $ 122,000 |
| Rivermark Community Credit Union 14405 MEYERS RD OREGON CITY, OR 97045 |
* | $ 412,758,000 | 1 | $ 115,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 107,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 68,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 182,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 1 | $ 46,000 |
| Umpqua Bank ONE SW COLUMBIA STREET, SUITE 1050 PORTLAND, OR 97258 |
* | $ 8,599,058,000 | 1 | $ 11,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 68,000 |
The tables below break down 2009 mortgage applications in Sherman County, OR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Sherman County, OR in 2009
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 | 30 | $3,170,000 | $105,000 | $193,000 | $61,000 | $156,000 |
| Home Purchase | 13 | $2,020,000 | $155,000 | $300,000 | $72,000 | $181,000 |
| Home Improvement | 5 | $98,000 | $19,000 | $58,000 | $74,000 | $120,000 |
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 | 37 | $4,112,000 | $111,000 | $221,000 | $66,000 | $156,000 |
| Not Provided | 6 | $707,000 | $117,000 | $300,000 | $97,000 | $181,000 |
| Not applicable | 5 | $469,000 | $93,000 | $182,000 | $21,000 | $66,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 31 | $2,719,000 | $87,000 | $300,000 | $67,000 | $181,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,846,000 | $142,000 | $184,000 | $73,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $359,000 | $179,000 | $221,000 | $57,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 2 | $364,000 | $182,000 | $182,000 | $0 | $0 |
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 | 20 | $2,183,000 | $109,000 | $300,000 | $69,000 | $181,000 |
| Loan Purchased By The Institution | 10 | $1,214,000 | $121,000 | $184,000 | $60,000 | $156,000 |
| Application Withdrawn By Applicant | 7 | $899,000 | $128,000 | $196,000 | $68,000 | $110,000 |
| Application Denied By Financial Institution | 6 | $635,000 | $105,000 | $137,000 | $61,000 | $98,000 |
| Application Approved But Not Accepted | 3 | $240,000 | $80,000 | $221,000 | $86,000 | $120,000 |
| File Closed For Incompleteness | 2 | $117,000 | $58,000 | $107,000 | $35,000 | $42,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $233,000 | $116,000 | $118,000 | $57,000 | $98,000 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $73,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $137,000 | $137,000 | $137,000 | $73,000 | $73,000 |
| Credit History | 1 | $119,000 | $119,000 | $119,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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