Wheeler County, OR Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 42 mortgage applications in Wheeler County, OR totaling $6.5 million, down 19% from 2022. The average application was for $154,000, and applicants reported an average income of $117,000. 55% of applications resulted in an originated loan and 14% were denied. The most active lender was Mortgage Research Center, with 5 applications, followed by Sierra Pacific Mortgage Co. Inc and Mid Oregon Federal Credit Union.
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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 | 42 |
| Total Mortgage Loan Application Amount | $6,480,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $1,663,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 875,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 4 | $ 810,000 |
| Mid Oregon Federal Credit Union 1386 NE CUSHING DRIVE BEND, OR 97701 |
* | $ 660,628,000 | 3 | $ 215,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ 890,181,000 | 3 | $ 295,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 120,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 410,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 400,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 2 | $ 760,000 |
| Onpoint Community Credit Union 2701 NW VAUGHN ST STE 800 PORTLAND, OR 97210 |
* | $ 8,925,587,000 | 2 | $ 210,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 215,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ -1,000 | 1 | $ 215,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 215,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 1 | $ 255,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 35,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 175,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 125,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 205,000 |
| Advantis Credit Union 10501 SE MAIN ST OREGON CITY, OR 97222 |
* | $ 1,980,693,000 | 1 | $ 105,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 125,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 205,000 |
| Selco Community Credit Union PO BOX 7487 SPRINGFIELD, OR 97475 |
* | $ 2,551,964,000 | 1 | $ 35,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 125,000 |
| Spokane Teachers Credit Union 1620 N SIGNAL DR LIBERTY LAKE, WA 99019 |
* | $ 5,625,825,000 | 1 | $ 35,000 |
The tables below break down 2023 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 2023
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 | $3,400,000 | $212,000 | $555,000 | $199,000 | $1,663,000 |
| Cash-out Refinancing | 11 | $1,725,000 | $156,000 | $215,000 | $93,000 | $144,000 |
| Home Improvement | 9 | $495,000 | $55,000 | $115,000 | $67,000 | $132,000 |
| Refinancing | 4 | $800,000 | $200,000 | $265,000 | $59,000 | $90,000 |
| Other Purpose | 2 | $60,000 | $30,000 | $35,000 | $67,000 | $92,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 26 | $3,890,000 | $149,000 | $555,000 | $137,000 | $1,663,000 |
| Not Provided | 7 | $1,215,000 | $173,000 | $265,000 | $55,000 | $97,000 |
| American Indian or Alaskan Native | 5 | $715,000 | $143,000 | $165,000 | $112,000 | $133,000 |
| Not applicable | 3 | $615,000 | $205,000 | $285,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $45,000 | $45,000 | $45,000 | $62,000 | $62,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 29 | $4,195,000 | $144,000 | $555,000 | $135,000 | $1,663,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,215,000 | $173,000 | $255,000 | $65,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,070,000 | $178,000 | $285,000 | $68,000 | $100,000 |
| 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 | 23 | $3,305,000 | $143,000 | $285,000 | $77,000 | $195,000 |
| Application Withdrawn By Applicant | 8 | $1,190,000 | $148,000 | $205,000 | $98,000 | $144,000 |
| Application Denied By Financial Institution | 6 | $740,000 | $123,000 | $255,000 | $59,000 | $98,000 |
| Loan Purchased By The Institution | 3 | $615,000 | $205,000 | $285,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $630,000 | $315,000 | $555,000 | $840,000 | $1,663,000 |
| File Closed For Incompleteness | 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 | 33 | $5,445,000 | $165,000 | $555,000 | $135,000 | $1,663,000 |
| Debt-To-Income Ratio | 4 | $500,000 | $125,000 | $205,000 | $59,000 | $73,000 |
| Collateral | 2 | $340,000 | $170,000 | $255,000 | $81,000 | $98,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $31,000 | $31,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $46,000 | $46,000 |
| Credit History | 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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