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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| 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 | 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 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.
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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