Wheeler County, OR Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 49 mortgage applications in Wheeler County, OR totaling $6.0 million, up 48% from 2017. The average application was for $122,000, and applicants reported an average income of $110,000. 45% of applications resulted in an originated loan and 20% were denied. The most active lender was Bank of Eastern Oregon, with 5 applications, followed by Freedom Mortgage Corporation and Summit Funding.Inc.
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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 | 49 |
| Total Mortgage Loan Application Amount | $6,015,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $952,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ 414,352,000 | 5 | $ 265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 545,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 3 | $ 875,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 3 | $ 605,000 |
| Pacific Residential Mortgage, LLC 4949 MEADOWS ROAD SUITE 350 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 2 | $ 330,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 25,711,323,000 | 2 | $ 310,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 140,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 390,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 160,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 2 | $ 350,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 210,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 125,000 |
| Northwest Community 545 EAST 8TH AVENUE EUGENE, OR 97401 |
* | $ 1,152,258,000 | 1 | $ 65,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 165,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 1,102,105,000 | 1 | $ 25,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 195,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 75,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 95,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 5,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Marion & Polk Schools Credit Union PO BOX 12398 SALEM, OR 97309 |
* | $ 690,408,000 | 1 | $ 65,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 1 | $ 235,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 135,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 1 | $ 125,000 |
The tables below break down 2018 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 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 18 | $1,690,000 | $93,000 | $155,000 | $47,000 | $110,000 |
| Home Purchase | 13 | $2,115,000 | $162,000 | $415,000 | $125,000 | $952,000 |
| Refinancing | 9 | $875,000 | $97,000 | $195,000 | $55,000 | $84,000 |
| Other Purpose | 4 | $1,040,000 | $260,000 | $405,000 | $517,000 | $952,000 |
| Home Improvement | 4 | $290,000 | $72,000 | $125,000 | $43,000 | $57,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $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 | 40 | $5,060,000 | $126,000 | $415,000 | $115,000 | $952,000 |
| Not Provided | 8 | $930,000 | $116,000 | $235,000 | $77,000 | $132,000 |
| Not applicable | 1 | $25,000 | $25,000 | $25,000 | $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 |
| Hispanic | 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) | 28 | $3,670,000 | $131,000 | $415,000 | $153,000 | $952,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,285,000 | $116,000 | $195,000 | $63,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 9 | $845,000 | $93,000 | $155,000 | $36,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $215,000 | $215,000 | $215,000 | $56,000 | $56,000 |
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 | 22 | $2,750,000 | $125,000 | $405,000 | $96,000 | $952,000 |
| Application Denied By Financial Institution | 10 | $1,350,000 | $135,000 | $415,000 | $137,000 | $952,000 |
| Application Withdrawn By Applicant | 10 | $1,000,000 | $100,000 | $195,000 | $59,000 | $110,000 |
| Loan Purchased By The Institution | 4 | $600,000 | $150,000 | $405,000 | $348,000 | $952,000 |
| File Closed For Incompleteness | 3 | $315,000 | $105,000 | $165,000 | $43,000 | $84,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 34 | $4,400,000 | $129,000 | $405,000 | $114,000 | $952,000 |
| Debt-To-Income Ratio | 7 | $395,000 | $56,000 | $125,000 | $27,000 | $35,000 |
| Credit History | 3 | $365,000 | $121,000 | $205,000 | $81,000 | $132,000 |
| Other | 2 | $300,000 | $150,000 | $195,000 | $39,000 | $61,000 |
| Unverifiable Information | 1 | $415,000 | $415,000 | $415,000 | $952,000 | $952,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $17,000 | $17,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $28,000 | $28,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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