Sierra County, CA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 97 mortgage applications in Sierra County, CA totaling $21.6 million, up 41% from 2023. The average application was for $222,000, and applicants reported an average income of $153,000. 51% of applications resulted in an originated loan and 24% were denied. The most active lender was United Wholesale Mortgage, with 6 applications, followed by Figure Lending LLC and Newrez 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 | $21,585,000 |
| Average Mortgage Loan Application Amount | $222,000 |
| Highest Mortgage Loan Application Amount | $795,000 |
| Average Applicant Income | $153,000 |
| Highest Applicant Income | $587,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,490,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 360,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 810,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 1,680,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ n/a | 4 | $ 810,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 660,000 |
| The Golden 1 Credit Union 8945 CAL CENTER DR SACRAMENTO, CA 95826 |
* | $ n/a | 3 | $ 485,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ n/a | 3 | $ 465,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 3 | $ 355,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 625,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 310,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 410,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 2 | $ 570,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 690,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 160,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 320,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 510,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 690,000 |
| Patelco Credit Union 5050 HOPYARD ROAD DUBLIN, CA 94568 |
* | $ n/a | 2 | $ 120,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 640,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ n/a | 2 | $ 770,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 135,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 405,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 335,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 295,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 1 | $ 65,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 255,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 255,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 265,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 75,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 375,000 |
| Peak Residential Lending Inc GILBERT, AZ 85295 |
* | $ n/a | 1 | $ 455,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 505,000 |
| Firefighters First Federal Credit Union 815 COLORADO BLVD PASADENA, CA 91105 |
* | $ n/a | 1 | $ 305,000 |
| 1st United Credit Union 5901 GIIBRALTAR DRIVE NORTH PLEASANTON, CA 94588 |
* | $ n/a | 1 | $ 115,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 105,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 105,000 |
| East West Bank 135 NORTH LOS ROBLES AVENUE PASADENA, CA 91101 |
* | $ n/a | 1 | $ 415,000 |
| Schoolsfirst FCU 2115 NORTH BROADWAY TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 155,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 115,000 |
| Redwood Credit Union P O BOX 6104 SANTA ROSA, CA 95406 |
* | $ n/a | 1 | $ 55,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 365,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 105,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 425,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 35,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ n/a | 1 | $ 125,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2024 mortgage applications in Sierra 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 Sierra County, CA 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 | 36 | $10,710,000 | $297,000 | $795,000 | $186,000 | $587,000 |
| Cash-out Refinancing | 25 | $5,185,000 | $207,000 | $505,000 | $127,000 | $360,000 |
| Home Improvement | 16 | $1,810,000 | $113,000 | $305,000 | $121,000 | $310,000 |
| Other Purpose | 12 | $1,570,000 | $130,000 | $305,000 | $174,000 | $345,000 |
| Refinancing | 8 | $2,310,000 | $288,000 | $445,000 | $127,000 | $243,000 |
| 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 | 71 | $14,585,000 | $205,000 | $795,000 | $144,000 | $587,000 |
| Not Provided | 15 | $4,475,000 | $298,000 | $505,000 | $194,000 | $377,000 |
| Not applicable | 7 | $1,895,000 | $270,000 | $455,000 | $0 | $0 |
| Hispanic | 4 | $630,000 | $157,000 | $205,000 | $183,000 | $345,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 82 | $17,540,000 | $213,000 | $795,000 | $162,000 | $587,000 |
| FHA-insured (Federal Housing Administration) | 12 | $3,100,000 | $258,000 | $395,000 | $108,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 2 | $610,000 | $305,000 | $355,000 | $58,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $335,000 | $335,000 | $335,000 | $105,000 | $105,000 |
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 | 49 | $10,805,000 | $220,000 | $795,000 | $155,000 | $587,000 |
| Application Denied By Financial Institution | 23 | $4,905,000 | $213,000 | $505,000 | $121,000 | $335,000 |
| Application Withdrawn By Applicant | 11 | $3,035,000 | $275,000 | $605,000 | $201,000 | $530,000 |
| Loan Purchased By The Institution | 6 | $1,480,000 | $246,000 | $455,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $885,000 | $177,000 | $425,000 | $153,000 | $345,000 |
| Application Approved But Not Accepted | 2 | $190,000 | $95,000 | $105,000 | $203,000 | $310,000 |
| Preapproval Approved but not Accepted | 1 | $285,000 | $285,000 | $285,000 | $141,000 | $141,000 |
| 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 | 74 | $16,680,000 | $225,000 | $795,000 | $164,000 | $587,000 |
| Debt-To-Income Ratio | 10 | $1,630,000 | $163,000 | $255,000 | $86,000 | $180,000 |
| Collateral | 5 | $1,165,000 | $233,000 | $415,000 | $72,000 | $84,000 |
| Credit Application Incomplete | 2 | $810,000 | $405,000 | $505,000 | $322,000 | $335,000 |
| Credit History | 2 | $230,000 | $115,000 | $125,000 | $107,000 | $110,000 |
| Unverifiable Information | 2 | $670,000 | $335,000 | $365,000 | $121,000 | $160,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $327,000 | $327,000 |
| Mortgage Insurance Denied | 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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