Sherman County, OR Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 97 mortgage applications in Sherman County, OR totaling $17.0 million, up 39% from 2019. The average application was for $175,000, and applicants reported an average income of $87,000. 46% of applications resulted in an originated loan and 23% were denied. The most active lender was Columbia Bank, with 8 applications, followed by Columbia State Bank and Finance of America Mortgage LLC.
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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 | 97 |
| Total Mortgage Loan Application Amount | $17,015,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $942,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 28,816,687,000 | 8 | $ 1,550,000 |
| Columbia State Bank 1301 A STREET TACOMA, WA 98402 |
* | $ 14,071,995,000 | 6 | $ 690,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 6 | $ 1,400,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 5 | $ 1,235,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 5 | $ 1,205,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 4 | $ 590,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 990,000 |
| Rivermark Community Credit Union 14405 MEYERS RD OREGON CITY, OR 97045 |
* | $ 869,108,000 | 3 | $ 265,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 415,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 365,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 430,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 430,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 2 | $ 440,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 220,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 2 | $ 380,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 410,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 410,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 280,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 335,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 245,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 1 | $ 205,000 |
| Onpoint Community Credit Union 2701 NW VAUGHN ST STE 800 PORTLAND, OR 97210 |
* | $ 6,130,687,000 | 1 | $ 105,000 |
| Oregon Community Credit Union 2880 CHAD DRIVE EUGENE, OR 97408 |
* | $ 1,889,384,000 | 1 | $ 35,000 |
| Pacific Residential Mortgage, LLC 4949 MEADOWS ROAD SUITE 350 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 1 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 125,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 285,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 125,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 85,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 165,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 35,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 125,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 6,771,304,000 | 1 | $ 195,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 265,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Northwest Community 545 EAST 8TH AVENUE EUGENE, OR 97401 |
* | $ 1,195,501,000 | 1 | $ 45,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 95,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 345,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 1 | $ 255,000 |
| Mountain West Financial, Inc. 1209 NEVADA ST. SUITE 200 REDLANDS, CA 92374 |
* | $ -1,000 | 1 | $ 85,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 95,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 125,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 16,420,261,000 | 1 | $ 405,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 35,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 1 | $ 115,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2020 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 2020
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 | 33 | $6,695,000 | $202,000 | $405,000 | $87,000 | $191,000 |
| Cash-out Refinancing | 28 | $4,950,000 | $176,000 | $405,000 | $100,000 | $942,000 |
| Home Purchase | 24 | $4,380,000 | $182,000 | $455,000 | $82,000 | $149,000 |
| Home Improvement | 8 | $670,000 | $83,000 | $255,000 | $60,000 | $105,000 |
| Other Purpose | 3 | $155,000 | $51,000 | $75,000 | $80,000 | $90,000 |
| Not Applicable | 1 | $165,000 | $165,000 | $165,000 | $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 | 70 | $12,320,000 | $176,000 | $405,000 | $92,000 | $942,000 |
| Not Provided | 20 | $3,360,000 | $168,000 | $455,000 | $62,000 | $136,000 |
| Not applicable | 4 | $650,000 | $162,000 | $225,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $520,000 | $260,000 | $275,000 | $81,000 | $81,000 |
| 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) | 69 | $12,025,000 | $174,000 | $455,000 | $93,000 | $942,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,340,000 | $167,000 | $345,000 | $59,000 | $126,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,480,000 | $206,000 | $335,000 | $79,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $170,000 | $85,000 | $85,000 | $40,000 | $40,000 |
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 | 45 | $8,525,000 | $189,000 | $405,000 | $80,000 | $191,000 |
| Application Denied By Financial Institution | 22 | $3,550,000 | $161,000 | $455,000 | $111,000 | $942,000 |
| Application Withdrawn By Applicant | 18 | $3,010,000 | $167,000 | $305,000 | $85,000 | $192,000 |
| File Closed For Incompleteness | 5 | $735,000 | $147,000 | $245,000 | $66,000 | $96,000 |
| Loan Purchased By The Institution | 4 | $650,000 | $162,000 | $225,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $545,000 | $181,000 | $255,000 | $51,000 | $75,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 75 | $13,465,000 | $179,000 | $405,000 | $79,000 | $192,000 |
| Debt-To-Income Ratio | 8 | $1,560,000 | $195,000 | $405,000 | $69,000 | $149,000 |
| Credit Application Incomplete | 5 | $605,000 | $121,000 | $185,000 | $50,000 | $91,000 |
| Credit History | 4 | $750,000 | $187,000 | $455,000 | $81,000 | $126,000 |
| Other | 2 | $310,000 | $155,000 | $265,000 | $105,000 | $121,000 |
| Unverifiable Information | 2 | $200,000 | $100,000 | $155,000 | $494,000 | $942,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $63,000 | $63,000 |
| 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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