Wheeler County, OR Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 28 mortgage applications in Wheeler County, OR totaling $4.7 million, down 33% from 2023. The average application was for $166,000, and applicants reported an average income of $72,000. 32% of applications resulted in an originated loan and 36% were denied. The most active lender was CMG Mortgage Inc, with 4 applications, followed by Discover Bank and Bank of Eastern Oregon.
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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 | 28 |
| Total Mortgage Loan Application Amount | $4,670,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $375,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $168,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 4 | $ 830,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 345,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ n/a | 3 | $ 315,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 625,000 |
| Onpoint Community Credit Union 2701 NW VAUGHN ST STE 800 PORTLAND, OR 97210 |
* | $ n/a | 2 | $ 100,000 |
| Mid Oregon Federal Credit Union 1386 NE CUSHING DRIVE BEND, OR 97701 |
* | $ n/a | 2 | $ 340,000 |
| Lpmc, LLC dba Landmark Profess 1255 LEE ST SE SALEM, OR 97302 |
* | $ n/a | 1 | $ 265,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 155,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 265,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 95,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 265,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 295,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 165,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 45,000 |
The tables below break down 2024 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 2024
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 | 9 | $2,455,000 | $272,000 | $375,000 | $96,000 | $168,000 |
| Cash-out Refinancing | 7 | $1,245,000 | $177,000 | $265,000 | $56,000 | $80,000 |
| Refinancing | 5 | $555,000 | $111,000 | $195,000 | $57,000 | $99,000 |
| Home Improvement | 4 | $240,000 | $60,000 | $85,000 | $90,000 | $129,000 |
| Other Purpose | 3 | $175,000 | $58,000 | $95,000 | $36,000 | $60,000 |
| 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 | 24 | $3,840,000 | $160,000 | $375,000 | $74,000 | $168,000 |
| Not Provided | 4 | $830,000 | $207,000 | $265,000 | $55,000 | $72,000 |
| 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 |
| Not applicable | 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) | 21 | $3,075,000 | $146,000 | $375,000 | $75,000 | $168,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,065,000 | $213,000 | $275,000 | $59,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 2 | $530,000 | $265,000 | $265,000 | $71,000 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 10 | $1,580,000 | $158,000 | $375,000 | $78,000 | $168,000 |
| Loan Originated | 9 | $1,125,000 | $125,000 | $275,000 | $78,000 | $129,000 |
| Application Withdrawn By Applicant | 3 | $715,000 | $238,000 | $285,000 | $62,000 | $83,000 |
| File Closed For Incompleteness | 3 | $575,000 | $191,000 | $265,000 | $47,000 | $49,000 |
| Application Approved But Not Accepted | 3 | $675,000 | $225,000 | $265,000 | $64,000 | $70,000 |
| Loan Purchased By The Institution | 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 | 17 | $2,805,000 | $165,000 | $275,000 | $67,000 | $129,000 |
| Debt-To-Income Ratio | 4 | $600,000 | $150,000 | $285,000 | $65,000 | $99,000 |
| Collateral | 3 | $935,000 | $311,000 | $375,000 | $151,000 | $168,000 |
| Credit History | 2 | $80,000 | $40,000 | $45,000 | $54,000 | $60,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $48,000 | $48,000 |
| Other | 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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