Wheeler County, OR Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 101 mortgage applications in Wheeler County, OR totaling $10.7 million, up 22% from 2003. The average application was for $105,000, and applicants reported an average income of $72,000. 36% of applications resulted in an originated loan and 30% were denied. The most active lender was M&T Mortgage Corporation, with 12 applications, followed by Wells Fargo Funding, Inc and Wells Fargo Bank, NA.
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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 | 101 |
| Total Mortgage Loan Application Amount | $10,666,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $410,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $817,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| M&T Mortgage Corporation 465 MAIN STREET - 5TH FLR - LAFAYETTE CT BUFFALO, NY 14203 |
* | $ 49,199,485,000 | 12 | $ 1,066,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 819,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 5 | $ 533,000 |
| Community First Bank 821 SW 6TH ST PRINEVILLE, OR 97756 |
* | $ 101,271,000 | 5 | $ 313,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 5 | $ 612,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 4 | $ 415,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 285,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 3 | $ 540,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 3 | $ 253,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 3 | $ 206,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 286,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 2 | $ 152,000 |
| Loancity 5671 SANTA TERESA BOULEVARD SAN JOSE, CA 95123 |
* | $ 10,000,000 | 2 | $ 315,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 2 | $ 648,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Sea Breeze Financial Svcs, Inc 18191 VON KARMAN AVE #150 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 233,000 |
| Umpqua Bank ONE SW COLUMBIA STREET, SUITE 1050 PORTLAND, OR 97258 |
* | $ 2,946,375,000 | 2 | $ 156,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 2 | $ 250,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 2 | $ 146,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 2 | $ 352,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 360,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 2 | $ 161,000 |
| Wells Fargo Fin'l Oregon, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 272,000 |
| Whidbey Island Bank PO BOX 7001 OAK HARBOR, WA 98277 |
* | $ 580,265,000 | 1 | $ 96,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 90,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 1 | $ 402,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 78,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Ameribanc Corp 870 MARKET ST SUITE 763 SAN FRANCISCO, CA 94102 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 1 | $ 81,000 |
| Eagle Home Mortgage, LLC 301 116TH AVENUE SE #400 BELLEVUE, WA 98004 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 1 | $ 56,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 27,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 40,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 1 | $ 75,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 1 | $ 72,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 1 | $ 30,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 57,000 |
| Sprint Funding Corporation 6 EXECUTIVE CIRCLE SUITE 200 IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 1 | $ 208,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 6,057,833,000 | 1 | $ 20,000 |
The tables below break down 2004 mortgage applications in Wheeler 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 Wheeler County, OR in 2004
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 | 68 | $7,770,000 | $114,000 | $402,000 | $71,000 | $817,000 |
| Home Purchase | 25 | $2,551,000 | $102,000 | $410,000 | $70,000 | $252,000 |
| Home Improvement | 8 | $345,000 | $43,000 | $96,000 | $78,000 | $360,000 |
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 | 76 | $7,936,000 | $104,000 | $410,000 | $76,000 | $817,000 |
| Not Provided | 20 | $2,077,000 | $103,000 | $275,000 | $66,000 | $480,000 |
| Hispanic | 2 | $154,000 | $77,000 | $77,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $57,000 | $57,000 | $57,000 | $46,000 | $46,000 |
| Not applicable | 1 | $402,000 | $402,000 | $402,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $7,000 | $7,000 |
| 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) | 95 | $10,001,000 | $105,000 | $410,000 | $74,000 | $817,000 |
| VA-guaranteed (Veterans Administration) | 4 | $548,000 | $137,000 | $160,000 | $48,000 | $74,000 |
| FHA-insured (Federal Housing Administration) | 2 | $117,000 | $58,000 | $61,000 | $26,000 | $30,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 36 | $3,645,000 | $101,000 | $410,000 | $68,000 | $817,000 |
| Application Denied By Financial Institution | 30 | $3,119,000 | $103,000 | $275,000 | $87,000 | $480,000 |
| Application Withdrawn By Applicant | 12 | $1,562,000 | $130,000 | $272,000 | $49,000 | $135,000 |
| Loan Purchased By The Institution | 12 | $1,527,000 | $127,000 | $402,000 | $76,000 | $817,000 |
| Application Approved But Not Accepted | 10 | $741,000 | $74,000 | $126,000 | $64,000 | $135,000 |
| File Closed For Incompleteness | 1 | $72,000 | $72,000 | $72,000 | $30,000 | $30,000 |
| 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 | 9 | $1,029,000 | $114,000 | $275,000 | $73,000 | $209,000 |
| Other | 6 | $592,000 | $98,000 | $265,000 | $115,000 | $360,000 |
| Credit History | 4 | $480,000 | $120,000 | $160,000 | $133,000 | $228,000 |
| Debt-To-Income Ratio | 2 | $132,000 | $66,000 | $72,000 | $69,000 | $120,000 |
| Credit Application Incomplete | 2 | $108,000 | $54,000 | $81,000 | $31,000 | $43,000 |
| 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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