Trinity County, CA Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 415 mortgage applications in Trinity County, CA totaling $69.8 million, up 2% from 2010. The average application was for $168,000, and applicants reported an average income of $71,000. 44% of applications resulted in an originated loan and 16% were denied. The most active lender was Bank of America NA, with 49 applications, followed by Wells Fargo Bank NA and Columbia Bank.

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Total Number of Mortgage Applications 415
Total Mortgage Loan Application Amount $69,822,000
Average Mortgage Loan Application Amount $168,000
Highest Mortgage Loan Application Amount $415,000
Average Applicant Income $71,000
Highest Applicant Income $670,000

Mortgage Company List for Lending in Trinity County, CA for 2011

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 49 $ 8,743,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 48 $ 7,909,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 11,458,366,000 33 $ 4,946,000
North Valley Bank
836 E. CYPRESS AVE
REDDING, CA 96002
* $ 880,473,000 33 $ 5,625,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 24 $ 3,471,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 13 $ 1,789,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 13 $ 2,077,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ 10,000,000 10 $ 2,057,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 8 $ 1,188,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 8 $ 1,536,000
First Priority Financial
3700 HILBORN ROAD, SUITE 700
FAIRFIELD, AL 94534
* $ 19,696,000 7 $ 1,367,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 7 $ 1,170,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 1,027,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 6 $ 867,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 5 $ 954,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,117,000 5 $ 932,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 553,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 5 $ 962,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 5 $ 1,132,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 5 $ 985,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 859,000
Megastar Financial
1080 CHEROKEE ST
DENVER, CO 80204
* $ 10,000,000 4 $ 516,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 4 $ 562,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 4 $ 758,000
Vitek Real Estate Industries Group, Inc.
2882 PROSPECT PARK DRIVE, SUITE 100
RANCHO CORDOVA, CA 95670
* $ 10,000,000 4 $ 777,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 794,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 4 $ 669,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 3 $ 360,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 3 $ 168,000
First California Mortgage Co., Inc.
1400 N MCDOWELL BLVD, SUITE 300
PETALUMA, CA 94954
* $ 10,000,000 3 $ 695,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 385,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 353,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 271,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 535,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 100,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 374,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 303,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 2 $ 248,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 288,000
Provident Savings Bank, F.S.B.
3756 CENTRAL AVE
RIVERSIDE, CA 92506
* $ 1,358,086,000 2 $ 396,000
dba Eagle Home Mortgage, LLC
700 NW 107TH AVENUE, 3RD FOOR
MIAMI, FL 33172
* $ 10,000,000 2 $ 374,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 2 $ 249,000
Fremont Bank
39150 FREMONT BLVD
FREMONT, CA 94538
* $ 2,419,551,000 2 $ 232,000
The Golden 1 Credit Union
8945 CAL CENTER DRIVE
SACRAMENTO, CA 95826
* $ 7,748,674,000 2 $ 176,000
Pacific Service Credit Union
3000 CLAYTON ROAD
CONCORD, CA 94520
* $ 1,068,788,000 1 $ 85,000
Frontwave Credit Union
1278 ROCKY POINT DRIVE
OCEANSIDE, CA 92056
* $ 588,209,000 1 $ 287,000
Tri Counties Bank
63 CONSTITUTION DRIVE
CHICO, CA 95973
* $ 2,188,551,000 1 $ 53,000
Rabobank, National Association
915 HIGHLAND POINTE DRIVE
ROSEVILLE, CA 95678
* $ 11,612,000,000 1 $ 130,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 150,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 245,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,832,312,000 1 $ 150,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 272,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 99,000
MUFG Union Bank, National Association
9865 TOWNE CENTRE DRIVE, 3RD FLOOR
SAN DIEGO, CA 92121
* $ 79,615,114,000 1 $ 240,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 2,412,920,000 1 $ 192,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 271,648,000 1 $ 50,000
Schoolsfirst FCU
2115 N. BROADWAY
SANTA ANA, CA 92706
* $ 8,497,395,000 1 $ 209,000
San Diego County Credit Union
6545 SEQUENCE DRIVE
SAN DIEGO, CA 92121
* $ 4,968,093,000 1 $ 181,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 250,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 120,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 234,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,181,819,000 1 $ 211,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 100,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 1 $ 248,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 237,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 236,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 232,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 146,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 116,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 415,000
Rpm Mortgage Inc.
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 62,000,000 1 $ 92,000
Americash
3080 BRISTOL STREET, SUITE 300
COSTA MESA, CA 92626
* $ 10,000,000 1 $ 100,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 245,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 253,000
Rmr Financial, LLC
16780 LARK AVENUE
LOS GATOS, CA 95032
* $ 10,000,000 1 $ 158,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 148,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 175,000
Opes Advisors, Inc.
19330 STEVENS CREEK BLVD
CUPERTINO, CA 95014
* $ 2,541,000 1 $ 227,000
Sacramento 1st Mortgage, Inc
3626 FAIR OAKS BLVD, SUITE 100
SACRAMENTO, CA 95864
* $ 10,000,000 1 $ 139,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 386,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 185,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 292,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 274,000
Mountain West Financial Inc.
1209 NEVADA STREET SUITE 200
REDLANDS, CA 92374
* $ 10,000,000 1 $ 88,000

The tables below break down 2011 mortgage applications in Trinity 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 Trinity County, CA in 2011

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 267 $46,315,000 $173,000 $415,000 $73,000 $670,000
Home Purchase 133 $21,559,000 $162,000 $380,000 $66,000 $552,000
Home Improvement 15 $1,948,000 $129,000 $272,000 $73,000 $251,000

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 319 $54,412,000 $170,000 $415,000 $71,000 $670,000
Not Provided 44 $7,260,000 $165,000 $390,000 $84,000 $552,000
Not applicable 34 $5,297,000 $155,000 $386,000 $54,000 $323,000
Hispanic 9 $1,370,000 $152,000 $261,000 $65,000 $116,000
American Indian or Alaskan Native 6 $1,042,000 $173,000 $365,000 $49,000 $106,000
Asian 2 $172,000 $86,000 $104,000 $149,000 $150,000
Black or African American 1 $269,000 $269,000 $269,000 $59,000 $59,000
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) 313 $51,922,000 $165,000 $415,000 $80,000 $670,000
FHA-insured (Federal Housing Administration) 43 $7,497,000 $174,000 $303,000 $40,000 $161,000
VA-guaranteed (Veterans Administration) 32 $5,833,000 $182,000 $306,000 $47,000 $116,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $4,570,000 $169,000 $316,000 $39,000 $84,000

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 181 $29,386,000 $162,000 $386,000 $72,000 $552,000
Loan Purchased By The Institution 84 $13,825,000 $164,000 $386,000 $55,000 $323,000
Application Denied By Financial Institution 66 $12,323,000 $186,000 $415,000 $79,000 $670,000
Application Withdrawn By Applicant 45 $7,972,000 $177,000 $400,000 $78,000 $284,000
Application Approved But Not Accepted 21 $3,413,000 $162,000 $365,000 $108,000 $447,000
File Closed For Incompleteness 18 $2,903,000 $161,000 $298,000 $44,000 $175,000
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
Collateral 24 $5,383,000 $224,000 $380,000 $111,000 $670,000
Other 9 $1,740,000 $193,000 $284,000 $80,000 $163,000
Debt-To-Income Ratio 6 $744,000 $124,000 $176,000 $45,000 $69,000
Credit Application Incomplete 4 $505,000 $126,000 $162,000 $46,000 $60,000
Credit History 3 $595,000 $198,000 $415,000 $104,000 $124,000
Insufficient Cash (Downpayment, Closing Cost) 2 $360,000 $180,000 $210,000 $61,000 $91,000
Employment History 1 $96,000 $96,000 $96,000 $64,000 $64,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 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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