Wheeler County, OR Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 35 mortgage applications in Wheeler County, OR totaling $4.1 million, down 29% from 2018. The average application was for $115,000, and applicants reported an average income of $68,000. 29% of applications resulted in an originated loan and 37% were denied. The most active lender was Wells Fargo Bank NA, with 5 applications, followed by New Day Financial, Llc. and Freedom Mortgage Corporation.
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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 | 35 |
| Total Mortgage Loan Application Amount | $4,055,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $305,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $493,000 |
| 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 |
* | $ 1,689,351,000,000 | 5 | $ 765,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 275,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 325,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 3 | $ 195,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 410,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 26,903,465,000 | 1 | $ 75,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 305,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 1 | $ 155,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 1 | $ 115,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 45,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 95,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 105,000 |
| Northwest Community 545 EAST 8TH AVENUE EUGENE, OR 97401 |
* | $ 1,155,333,000 | 1 | $ 35,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 1 | $ 165,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 5,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 45,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 175,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 1 | $ 105,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ 414,528,000 | 1 | $ 55,000 |
The tables below break down 2019 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 2019
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 16 | $2,030,000 | $126,000 | $305,000 | $79,000 | $493,000 |
| Cash-out Refinancing | 11 | $1,415,000 | $128,000 | $285,000 | $63,000 | $107,000 |
| Other Purpose | 3 | $155,000 | $51,000 | $75,000 | $63,000 | $95,000 |
| Refinancing | 3 | $355,000 | $118,000 | $175,000 | $45,000 | $60,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $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 | 25 | $2,855,000 | $114,000 | $305,000 | $74,000 | $493,000 |
| Not Provided | 7 | $805,000 | $115,000 | $245,000 | $41,000 | $97,000 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $285,000 | $80,000 | $102,000 |
| Not applicable | 1 | $55,000 | $55,000 | $55,000 | $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) | 24 | $3,010,000 | $125,000 | $305,000 | $73,000 | $493,000 |
| FHA-insured (Federal Housing Administration) | 5 | $315,000 | $63,000 | $105,000 | $53,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 5 | $675,000 | $135,000 | $175,000 | $60,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $55,000 | $55,000 | $55,000 | $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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 13 | $1,335,000 | $102,000 | $285,000 | $86,000 | $493,000 |
| Loan Originated | 10 | $1,550,000 | $155,000 | $305,000 | $66,000 | $107,000 |
| Application Withdrawn By Applicant | 6 | $430,000 | $71,000 | $125,000 | $44,000 | $88,000 |
| Loan Purchased By The Institution | 3 | $455,000 | $151,000 | $305,000 | $71,000 | $79,000 |
| Application Approved But Not Accepted | 2 | $240,000 | $120,000 | $135,000 | $47,000 | $47,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 22 | $2,720,000 | $123,000 | $305,000 | $57,000 | $107,000 |
| Other | 4 | $600,000 | $150,000 | $285,000 | $80,000 | $102,000 |
| Credit History | 3 | $315,000 | $105,000 | $165,000 | $185,000 | $493,000 |
| Debt-To-Income Ratio | 3 | $225,000 | $75,000 | $95,000 | $20,000 | $21,000 |
| Collateral | 2 | $140,000 | $70,000 | $95,000 | $32,000 | $35,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $59,000 | $59,000 |
| Credit Application Incomplete | 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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