Sherman County, OR Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 49 mortgage applications in Sherman County, OR totaling $10.9 million, down 21% from 2023. The average application was for $223,000, and applicants reported an average income of $123,000. 47% of applications resulted in an originated loan and 14% were denied. The most active lender was 21st Mortgage, with 6 applications, followed by Fairway Independent Mort Corp and Ranlife, 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 | 49 |
| Total Mortgage Loan Application Amount | $10,935,000 |
| Average Mortgage Loan Application Amount | $223,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $1,034,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 6 | $ 1,460,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 6 | $ 1,150,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ n/a | 3 | $ 495,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 545,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 2 | $ 520,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 2 | $ 1,160,000 |
| Rivermark Community Credit Union 14405 MEYERS RD OREGON CITY, OR 97045 |
* | $ n/a | 2 | $ 100,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ n/a | 2 | $ 550,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 420,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ n/a | 1 | $ 245,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 255,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 175,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 25,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 365,000 |
| Pacific Nw Federal Credit Union 12005 NE ERIN WAY PORTLAND, OR 97220 |
* | $ n/a | 1 | $ 545,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ n/a | 1 | $ 15,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 1 | $ 295,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 115,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 265,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 225,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ n/a | 1 | $ 205,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 145,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 235,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 95,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 315,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 205,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 145,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 255,000 |
The tables below break down 2024 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 2024
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 | 28 | $7,190,000 | $256,000 | $705,000 | $109,000 | $330,000 |
| Other Purpose | 8 | $930,000 | $116,000 | $255,000 | $73,000 | $160,000 |
| Refinancing | 7 | $1,675,000 | $239,000 | $365,000 | $320,000 | $1,034,000 |
| Cash-out Refinancing | 5 | $865,000 | $173,000 | $315,000 | $90,000 | $163,000 |
| Home Improvement | 1 | $275,000 | $275,000 | $275,000 | $88,000 | $88,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 30 | $7,190,000 | $239,000 | $705,000 | $146,000 | $1,034,000 |
| Not Provided | 13 | $2,745,000 | $211,000 | $545,000 | $90,000 | $184,000 |
| Hispanic | 3 | $365,000 | $121,000 | $205,000 | $71,000 | $115,000 |
| Not applicable | 2 | $380,000 | $190,000 | $205,000 | $0 | $0 |
| Asian | 1 | $255,000 | $255,000 | $255,000 | $82,000 | $82,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 | $6,885,000 | $222,000 | $705,000 | $137,000 | $1,034,000 |
| FHA-insured (Federal Housing Administration) | 11 | $2,215,000 | $201,000 | $265,000 | $84,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,315,000 | $263,000 | $315,000 | $135,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $520,000 | $260,000 | $325,000 | $82,000 | $93,000 |
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 | 23 | $5,835,000 | $253,000 | $705,000 | $113,000 | $330,000 |
| Application Withdrawn By Applicant | 10 | $1,340,000 | $134,000 | $295,000 | $85,000 | $186,000 |
| Application Denied By Financial Institution | 7 | $1,195,000 | $170,000 | $315,000 | $188,000 | $1,034,000 |
| File Closed For Incompleteness | 4 | $1,220,000 | $305,000 | $455,000 | $155,000 | $228,000 |
| Application Approved But Not Accepted | 3 | $965,000 | $321,000 | $545,000 | $143,000 | $164,000 |
| Loan Purchased By The Institution | 2 | $380,000 | $190,000 | $205,000 | $0 | $0 |
| 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 | 42 | $9,740,000 | $231,000 | $705,000 | $111,000 | $330,000 |
| Debt-To-Income Ratio | 3 | $815,000 | $271,000 | $315,000 | $45,000 | $57,000 |
| Collateral | 2 | $90,000 | $45,000 | $65,000 | $517,000 | $1,034,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $60,000 | $60,000 |
| Credit History | 1 | $195,000 | $195,000 | $195,000 | $91,000 | $91,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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