In 2012, lenders reported 371 mortgage applications in Sierra County, NM totaling $45.3 million, down 5% from 2011. The average application was for $122,000, and applicants reported an average income of $67,000. 45% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 41 applications, followed by Citizens Bank of Las Cruces and Bank of the Southwest.
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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 | 371 |
| Total Mortgage Loan Application Amount | $45,333,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $1,446,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $738,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 41 | $ 5,071,000 |
| Citizens Bank of Las Cruces 505 S MAIN STREET LAS CRUCES, NM 88001 |
* | $ 393,709,000 | 38 | $ 4,060,000 |
| Bank of the Southwest 226 N MAIN ST ROSWELL, NM 88201 |
* | $ 156,664,000 | 21 | $ 1,279,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 436,593,000 | 18 | $ 1,061,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 17 | $ 1,952,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 16 | $ 1,930,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 14 | $ 1,682,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 692,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 1,198,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 416,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 9 | $ 1,324,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 9 | $ 1,333,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 766,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 6 | $ 1,251,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 6 | $ 791,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 787,000 |
| White Sands Federal Credit Union 2755 N MAIN ST LAS CRUCES, NM 88004 |
* | $ 240,567,000 | 5 | $ 507,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 5 | $ 517,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 5 | $ 649,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 902,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 4 | $ 377,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 579,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 540,000 |
| DHI Mortgage Company, Ltd. 10700 PECAN PARK BLVD, SUITE 450 AUSTIN, TX 78750 |
* | $ 10,000,000 | 4 | $ 673,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 3 | $ 250,000 |
| Los Alamos National Bank 1200 TRINITY DR. LOS ALAMOS, NM 87544 |
* | $ 1,515,912,000 | 3 | $ 301,000 |
| Pioneer Bank 3000 N. MAIN ST. / P. O. BOX 130 ROSWELL, NM 88201 |
* | $ 594,700,000 | 3 | $ 395,000 |
| Century Bank PO BOX 1507 SANTA FE, NM 87504 |
* | $ 545,533,000 | 3 | $ 1,001,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 480,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 549,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 380,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 339,000 |
| Advantis Credit Union 10501 SE MAIN ST OREGON CITY, OR 97222 |
* | $ 864,530,000 | 2 | $ 161,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 210,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 440,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 2 | $ 218,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 399,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 2 | $ 404,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 433,000 |
| First American Bank 303 W MAIN ST ARTESIA, NM 88210 |
* | $ 732,255,000 | 2 | $ 185,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 119,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,371,383,000 | 1 | $ 400,000 |
| Firstlight Federal Credit Unio 9983 KENWORTHY ST. EL PASO, TX 79924 |
* | $ 760,260,000 | 1 | $ 159,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 27,000 |
| Los Angeles Police FCU 16150 SHERMAN WAY VAN NUYS, CA 91406 |
* | $ 742,389,000 | 1 | $ 85,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 54,000 |
| Main Bank PO BOX 36630 ALBUQUERQUE, NM 87110 |
* | $ 72,386,000 | 1 | $ 125,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,580,221,000 | 1 | $ 62,000 |
| First Financial Credit Union 601 TIJERAS NW ALBUQUERQUE, NM 87102 |
* | $ 378,923,000 | 1 | $ 57,000 |
| Legacy Mortgage, LLC 6725 ACADEMY RD NE ALBUQUERQUE, NM 87109 |
* | $ 1,000,000,000 | 1 | $ 185,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 306,000 |
| New Mexico Bank & Trust 320 GOLD SW STE 100 ALBUQUERQUE, NM 87102 |
* | $ 993,182,000 | 1 | $ 42,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 289,845,000 | 1 | $ 106,000 |
| First New Mexico Bank, Las Cru 3000 E. LOHMAN AVE LAS CRUCES, NM 88011 |
* | $ 98,656,000 | 1 | $ 175,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 182,000 |
| U.S. Eagle Federal Credit Union 5201 ANTEQUERA NW ALBUQUERQUE, NM 87120 |
* | $ 681,213,000 | 1 | $ 144,000 |
| Nusenda Federal Credit Union PO BOX 8530 ALBUQUERQUE, NM 87107 |
* | $ 1,151,433,000 | 1 | $ 66,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 1 | $ 87,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 78,000 |
| Viewpoint Bank, N.A. 1309 W 15TH, SUITE 302 PLANO, TX 75075 |
* | $ 3,179,743,000 | 1 | $ 166,000 |
| Bank 34 500 EAST TENTH STREET ALAMOGORDO, NM 88310 |
* | $ 180,215,000 | 1 | $ 76,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 162,000 |
| Bank of the Rio Grande, N.A. 421 N. WATER LAS CRUCES, NM 88001 |
* | $ 101,651,000 | 1 | $ 67,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 1 | $ 220,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 514,118,000 | 1 | $ 1,446,000 |
| My Bank 19339 HWY 314 / PO BOX 105 BELEN, NM 87002 |
* | $ 162,976,000 | 1 | $ 49,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 81,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 360,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 190,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 166,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 65,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 34,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 267,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 80,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 70,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 1 | $ 2,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 73,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 178,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 180,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,382,225,000 | 1 | $ 172,000 |
The tables below break down 2012 mortgage applications in Sierra County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 244 | $33,947,000 | $139,000 | $1,446,000 | $67,000 | $501,000 |
| Home Purchase | 111 | $10,743,000 | $96,000 | $400,000 | $70,000 | $738,000 |
| Home Improvement | 16 | $643,000 | $40,000 | $150,000 | $37,000 | $119,000 |
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 | 267 | $31,691,000 | $118,000 | $400,000 | $71,000 | $738,000 |
| Hispanic | 42 | $3,861,000 | $91,000 | $246,000 | $59,000 | $193,000 |
| Not Provided | 33 | $5,079,000 | $153,000 | $750,000 | $76,000 | $430,000 |
| Not applicable | 21 | $3,732,000 | $177,000 | $1,446,000 | $10,000 | $99,000 |
| American Indian or Alaskan Native | 7 | $760,000 | $108,000 | $157,000 | $53,000 | $95,000 |
| Black or African American | 1 | $210,000 | $210,000 | $210,000 | $95,000 | $95,000 |
| 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) | 279 | $32,950,000 | $118,000 | $1,446,000 | $74,000 | $738,000 |
| FHA-insured (Federal Housing Administration) | 46 | $5,545,000 | $120,000 | $306,000 | $45,000 | $151,000 |
| VA-guaranteed (Veterans Administration) | 44 | $6,566,000 | $149,000 | $377,000 | $45,000 | $196,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $272,000 | $136,000 | $136,000 | $29,000 | $29,000 |
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 | 167 | $22,632,000 | $135,000 | $1,446,000 | $70,000 | $501,000 |
| Application Denied By Financial Institution | 98 | $9,811,000 | $100,000 | $400,000 | $56,000 | $312,000 |
| Application Withdrawn By Applicant | 43 | $5,257,000 | $122,000 | $313,000 | $91,000 | $738,000 |
| Loan Purchased By The Institution | 30 | $4,139,000 | $137,000 | $335,000 | $50,000 | $214,000 |
| Application Approved But Not Accepted | 21 | $2,240,000 | $106,000 | $302,000 | $76,000 | $300,000 |
| File Closed For Incompleteness | 12 | $1,254,000 | $104,000 | $220,000 | $45,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 27 | $2,031,000 | $75,000 | $216,000 | $57,000 | $193,000 |
| Collateral | 21 | $2,975,000 | $141,000 | $400,000 | $77,000 | $166,000 |
| Debt-To-Income Ratio | 20 | $1,930,000 | $96,000 | $185,000 | $40,000 | $110,000 |
| Other | 8 | $729,000 | $91,000 | $170,000 | $46,000 | $75,000 |
| Credit Application Incomplete | 6 | $694,000 | $115,000 | $200,000 | $85,000 | $312,000 |
| Unverifiable Information | 1 | $48,000 | $48,000 | $48,000 | $17,000 | $17,000 |
| 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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