2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Stearns Lending, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Stearns Lending, Llc 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Stearns Lending, Llc 4 Hutton Centre, 10Th Floor Santa Ana, CA 92707 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 2,028 |
| Total Mortgage Loan Application Amount | $773,590,000 |
| Average Mortgage Loan Application Amount | $381,000 |
| Highest Mortgage Loan Application Amount | $2,235,000 |
| Average Applicant Income | $144,666 |
| Highest Applicant Income | $3,230,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Stearns Lending, Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Stearns Lending, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Stearns Lending, Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Stearns Lending, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Stearns Lending, Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Stearns Lending, Llc's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ada County Idaho | 2 | $ 700,000 | $ 350,000 | $ 58,000 |
| Adams County Colorado | 2 | $ 650,000 | $ 325,000 | $ 98,000 |
| Adams County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Aiken County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 169,000 |
| Alachua County Florida | 1 | $ 135,000 | $ 135,000 | $ 160,000 |
| Alameda County California | 34 | $ 19,130,000 | $ 562,000 | $ 179,000 |
| Allegheny County Pennsylvania | 3 | $ 545,000 | $ 181,000 | $ 85,000 |
| Amador County California | 1 | $ 345,000 | $ 345,000 | $ 143,000 |
| Anderson County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Anoka County Minnesota | 1 | $ 525,000 | $ 525,000 | $ 182,000 |
| Appling County Georgia | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Arapahoe County Colorado | 3 | $ 805,000 | $ 268,000 | $ 80,000 |
| Aroostook County Maine | 2 | $ 150,000 | $ 75,000 | $ 26,000 |
| Atlantic County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 220,000 |
| Auglaize County Ohio | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Baltimore County Maryland | 3 | $ 935,000 | $ 311,000 | $ 126,000 |
| Bannock County Idaho | 1 | $ 345,000 | $ 345,000 | $ 66,000 |
| Barnstable County Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 83,000 |
| Barrow County Georgia | 1 | $ 645,000 | $ 645,000 | $ 287,000 |
| Bastrop County Texas | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Bell County Texas | 1 | $ 365,000 | $ 365,000 | $ 89,000 |
| Bergen County New Jersey | 3 | $ 1,635,000 | $ 545,000 | $ 154,000 |
| Berks County Pennsylvania | 4 | $ 440,000 | $ 110,000 | $ 43,000 |
| Bernalillo County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Bethel County Alaska | 1 | $ 395,000 | $ 395,000 | $ 225,000 |
| Bexar County Texas | 11 | $ 2,455,000 | $ 223,000 | $ 97,000 |
| Bibb County Georgia | 2 | $ 260,000 | $ 130,000 | $ 119,000 |
| Bonner County Idaho | 2 | $ 730,000 | $ 365,000 | $ 76,000 |
| Boulder County Colorado | 1 | $ 1,445,000 | $ 1,445,000 | $ 422,000 |
| Box Elder County Utah | 2 | $ 520,000 | $ 260,000 | $ 81,000 |
| Brazoria County Texas | 4 | $ 840,000 | $ 210,000 | $ 129,000 |
| Brevard County Florida | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Bristol County Massachusetts | 6 | $ 1,720,000 | $ 286,000 | $ 92,000 |
| Bristol County Rhode Island | 2 | $ 530,000 | $ 265,000 | $ 121,000 |
| Broward County Florida | 7 | $ 1,845,000 | $ 263,000 | $ 115,000 |
| Brown County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Brunswick County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 259,000 |
| Bryan County Georgia | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Bucks County Pennsylvania | 3 | $ 795,000 | $ 265,000 | $ 142,000 |
| Bulloch County Georgia | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Burlington County New Jersey | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Butler County Kansas | 1 | $ 315,000 | $ 315,000 | $ 136,000 |
| Butte County California | 4 | $ 810,000 | $ 202,000 | $ 82,000 |
| Cache County Utah | 14 | $ 5,260,000 | $ 375,000 | $ 153,000 |
| Calaveras County California | 2 | $ 440,000 | $ 220,000 | $ 103,000 |
| Calcasieu County Louisiana | 1 | $ 365,000 | $ 365,000 | $ 149,000 |
| Camden County Missouri | 1 | $ 315,000 | $ 315,000 | $ 112,000 |
| Cameron County Texas | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| Canadian County Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 138,000 |
| Canyon County Idaho | 5 | $ 1,655,000 | $ 331,000 | $ 88,000 |
| Carbon County Montana | 1 | $ 325,000 | $ 325,000 | $ 48,000 |
| Carbon County Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 38,000 |
| Carver County Minnesota | 1 | $ 535,000 | $ 535,000 | $ 158,000 |
| Cecil County Maryland | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| Centre County Pennsylvania | 2 | $ 720,000 | $ 360,000 | $ 215,000 |
| Charleston County South Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 288,000 |
| Chatham County Georgia | 2 | $ 900,000 | $ 450,000 | $ 101,000 |
| Cherokee County Georgia | 6 | $ 2,240,000 | $ 373,000 | $ 125,000 |
| Cheshire County New Hampshire | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Citrus County Florida | 5 | $ 895,000 | $ 179,000 | $ 168,000 |
| Clackamas County Oregon | 8 | $ 3,890,000 | $ 486,000 | $ 213,000 |
| Clark County Indiana | 5 | $ 1,075,000 | $ 215,000 | $ 72,000 |
| Clark County Nevada | 37 | $ 10,835,000 | $ 292,000 | $ 131,000 |
| Clark County Ohio | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Clark County Washington | 3 | $ 1,055,000 | $ 351,000 | $ 96,000 |
| Clatsop County Oregon | 1 | $ 325,000 | $ 325,000 | $ 82,000 |
| Clay County Florida | 2 | $ 430,000 | $ 215,000 | $ 139,000 |
| Clay County Missouri | 1 | $ 495,000 | $ 495,000 | $ 282,000 |
| Clayton County Georgia | 2 | $ 310,000 | $ 155,000 | $ 140,000 |
| Clinton County Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 51,000 |
| Cobb County Georgia | 13 | $ 5,515,000 | $ 424,000 | $ 125,000 |
| Coconino County Arizona | 1 | $ 355,000 | $ 355,000 | $ 398,000 |
| Coffee County Alabama | 2 | $ 250,000 | $ 125,000 | $ 50,000 |
| Collier County Florida | 1 | $ 545,000 | $ 545,000 | $ 174,000 |
| Collin County Texas | 6 | $ 1,980,000 | $ 330,000 | $ 266,000 |
| Columbia County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Columbiana County Ohio | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Colusa County California | 2 | $ 330,000 | $ 165,000 | $ 95,000 |
| Comal County Texas | 1 | $ 275,000 | $ 275,000 | $ 166,000 |
| Contra Costa County California | 43 | $ 19,555,000 | $ 454,000 | $ 146,000 |
| Cook County Illinois | 23 | $ 7,365,000 | $ 320,000 | $ 126,000 |
| Cooke County Texas | 2 | $ 510,000 | $ 255,000 | $ 95,000 |
| Coos County Oregon | 2 | $ 560,000 | $ 280,000 | $ 56,000 |
| Coryell County Texas | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
| Coweta County Georgia | 2 | $ 380,000 | $ 190,000 | $ 61,000 |
| Crawford County Iowa | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Creek County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Cumberland County Maine | 1 | $ 425,000 | $ 425,000 | $ 93,000 |
| Cumberland County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Custer County South Dakota | 1 | $ 275,000 | $ 275,000 | $ 43,000 |
| Dakota County Minnesota | 2 | $ 350,000 | $ 175,000 | $ 55,000 |
| Dallas County Iowa | 2 | $ 480,000 | $ 240,000 | $ 76,000 |
| Dallas County Texas | 9 | $ 3,465,000 | $ 385,000 | $ 166,000 |
| Dane County Wisconsin | 4 | $ 1,160,000 | $ 290,000 | $ 175,000 |
| Davis County Utah | 8 | $ 3,590,000 | $ 448,000 | $ 103,000 |
| Deer Lodge County Montana | 1 | $ 435,000 | $ 435,000 | $ 93,000 |
| Defiance County Ohio | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| DeKalb County Georgia | 1 | $ 455,000 | $ 455,000 | $ 171,000 |
| DeKalb County Indiana | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Delaware County Pennsylvania | 3 | $ 525,000 | $ 175,000 | $ 124,000 |
| Delta County Colorado | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Denton County Texas | 18 | $ 5,270,000 | $ 292,000 | $ 164,000 |
| Denver County Colorado | 7 | $ 2,565,000 | $ 366,000 | $ 137,000 |
| Deschutes County Oregon | 1 | $ 435,000 | $ 435,000 | $ 180,000 |
| Douglas County Colorado | 2 | $ 1,140,000 | $ 570,000 | $ 104,000 |
| Douglas County Georgia | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Douglas County Oregon | 3 | $ 745,000 | $ 248,000 | $ 60,000 |
| Douglas County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| DuPage County Illinois | 8 | $ 2,280,000 | $ 285,000 | $ 149,000 |
| Durham County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 137,000 |
| Duval County Florida | 3 | $ 265,000 | $ 88,000 | $ 187,000 |
| Eddy County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Effingham County Georgia | 4 | $ 860,000 | $ 215,000 | $ 149,000 |
| El Dorado County California | 1 | $ 505,000 | $ 505,000 | $ 134,000 |
| El Paso County Colorado | 7 | $ 2,535,000 | $ 362,000 | $ 115,000 |
| El Paso County Texas | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Ellis County Texas | 2 | $ 810,000 | $ 405,000 | $ 109,000 |
| Escambia County Florida | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Essex County Massachusetts | 4 | $ 1,370,000 | $ 342,000 | $ 108,000 |
| Essex County New Jersey | 4 | $ 2,990,000 | $ 747,000 | $ 335,000 |
| Fairfax County Virginia | 1 | $ 1,165,000 | $ 1,165,000 | $ 546,000 |
| Fairfield County Connecticut | 3 | $ 1,565,000 | $ 521,000 | $ 293,000 |
| Fannin County Texas | 1 | $ 155,000 | $ 155,000 | $ 155,000 |
| Faribault County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Fayette County Kentucky | 2 | $ 1,020,000 | $ 510,000 | $ 136,000 |
| Floyd County Indiana | 2 | $ 460,000 | $ 230,000 | $ 66,000 |
| Forsyth County Georgia | 2 | $ 1,290,000 | $ 645,000 | $ 2,145,000 |
| Fort Bend County Texas | 7 | $ 2,535,000 | $ 362,000 | $ 225,000 |
| Franklin County Florida | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Franklin County Idaho | 3 | $ 925,000 | $ 308,000 | $ 59,000 |
| Franklin County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 143,000 |
| Franklin County Ohio | 1 | $ 275,000 | $ 275,000 | $ 157,000 |
| Frederick County Maryland | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Fresno County California | 14 | $ 4,340,000 | $ 310,000 | $ 159,000 |
| Fulton County Georgia | 3 | $ 1,485,000 | $ 495,000 | $ 202,000 |
| Gadsden County Florida | 2 | $ 250,000 | $ 125,000 | $ 59,000 |
| Glynn County Georgia | 3 | $ 1,525,000 | $ 508,000 | $ 288,000 |
| Gooding County Idaho | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Grand County Colorado | 1 | $ 515,000 | $ 515,000 | $ 150,000 |
| Grayson County Texas | 3 | $ 525,000 | $ 175,000 | $ 63,000 |
| Greenville County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Guadalupe County Texas | 1 | $ 235,000 | $ 235,000 | $ 145,000 |
| Gulf County Florida | 2 | $ 610,000 | $ 305,000 | $ 185,000 |
| Gwinnett County Georgia | 11 | $ 3,055,000 | $ 277,000 | $ 166,000 |
| Hale County Alabama | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Hall County Georgia | 3 | $ 1,045,000 | $ 348,000 | $ 71,000 |
| Hamilton County Indiana | 1 | $ 635,000 | $ 635,000 | $ 132,000 |
| Hamilton County Ohio | 1 | $ 325,000 | $ 325,000 | $ 137,000 |
| Hampden County Massachusetts | 2 | $ 460,000 | $ 230,000 | $ 114,000 |
| Harford County Maryland | 2 | $ 870,000 | $ 435,000 | $ 166,000 |
| Harris County Georgia | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Harris County Texas | 22 | $ 5,200,000 | $ 236,000 | $ 121,000 |
| Harrison County Indiana | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Hawaii County Hawaii | 3 | $ 1,395,000 | $ 465,000 | $ 89,000 |
| Hays County Texas | 3 | $ 865,000 | $ 288,000 | $ 93,000 |
| Hendricks County Indiana | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Hennepin County Minnesota | 5 | $ 1,655,000 | $ 331,000 | $ 189,000 |
| Henry County Georgia | 2 | $ 540,000 | $ 270,000 | $ 90,000 |
| Hidalgo County Texas | 1 | $ 75,000 | $ 75,000 | $ 172,000 |
| Highlands County Florida | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Hillsborough County Florida | 5 | $ 985,000 | $ 197,000 | $ 87,000 |
| Hillsborough County New Hampshire | 3 | $ 905,000 | $ 301,000 | $ 79,000 |
| Honolulu County Hawaii | 4 | $ 2,930,000 | $ 732,000 | $ 178,000 |
| Hopkins County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| Houston County Alabama | 1 | $ 385,000 | $ 385,000 | $ 175,000 |
| Hudson County New Jersey | 4 | $ 2,390,000 | $ 597,000 | $ 175,000 |
| Humboldt County California | 1 | $ 505,000 | $ 505,000 | $ 51,000 |
| Hunterdon County New Jersey | 1 | $ 355,000 | $ 355,000 | $ 146,000 |
| Imperial County California | 15 | $ 2,005,000 | $ 133,000 | $ 125,000 |
| Indian River County Florida | 1 | $ 545,000 | $ 545,000 | $ 375,000 |
| Iron County Utah | 1 | $ 365,000 | $ 365,000 | $ 50,000 |
| Isanti County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jackson County Florida | 2 | $ 430,000 | $ 215,000 | $ 96,000 |
| Jackson County Indiana | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Jackson County Missouri | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Jackson County Oregon | 4 | $ 1,120,000 | $ 280,000 | $ 73,000 |
| Jasper County Georgia | 4 | $ 1,260,000 | $ 315,000 | $ 174,000 |
| Jefferson County Alabama | 1 | $ 295,000 | $ 295,000 | $ 125,000 |
| Jefferson County Colorado | 4 | $ 1,590,000 | $ 397,000 | $ 86,000 |
| Jefferson County Idaho | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Jefferson County Kentucky | 3 | $ 875,000 | $ 291,000 | $ 162,000 |
| Jefferson County Washington | 1 | $ 575,000 | $ 575,000 | $ 175,000 |
| Johnston County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 45,000 |
| Karnes County Texas | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Kauai County Hawaii | 1 | $ 685,000 | $ 685,000 | $ 249,000 |
| Kendall County Texas | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| Kern County California | 30 | $ 6,870,000 | $ 229,000 | $ 123,000 |
| Kewaunee County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| King County Washington | 11 | $ 6,725,000 | $ 611,000 | $ 217,000 |
| Kings County California | 3 | $ 695,000 | $ 231,000 | $ 166,000 |
| Klamath County Oregon | 4 | $ 930,000 | $ 232,000 | $ 137,000 |
| Knott County Kentucky | 2 | $ 340,000 | $ 170,000 | $ 39,000 |
| Kootenai County Idaho | 5 | $ 1,645,000 | $ 329,000 | $ 90,000 |
| Laclede County Missouri | 1 | $ 375,000 | $ 375,000 | $ 118,000 |
| Lafayette County Louisiana | 3 | $ 315,000 | $ 105,000 | $ 161,000 |
| Lake County California | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Lake County Florida | 3 | $ 835,000 | $ 278,000 | $ 116,000 |
| Lake County Illinois | 5 | $ 2,055,000 | $ 411,000 | $ 194,000 |
| Lamar County Georgia | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Lancaster County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Lane County Oregon | 7 | $ 2,185,000 | $ 312,000 | $ 59,000 |
| Larimer County Colorado | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Latah County Idaho | 2 | $ 390,000 | $ 195,000 | $ 127,000 |
| Lawrence County Missouri | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Lee County Florida | 4 | $ 1,310,000 | $ 327,000 | $ 130,000 |
| Lee County Georgia | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Lee County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Lee County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| Lehigh County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 79,000 |
| Leon County Florida | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Lexington County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 138,000 |
| Lincoln County Oregon | 4 | $ 1,030,000 | $ 257,000 | $ 92,000 |
| Linn County Iowa | 3 | $ 225,000 | $ 75,000 | $ 80,000 |
| Linn County Oregon | 3 | $ 875,000 | $ 291,000 | $ 64,000 |
| Litchfield County Connecticut | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Livingston County Michigan | 1 | $ 265,000 | $ 265,000 | $ 323,000 |
| Lorain County Ohio | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Los Angeles County California | 185 | $ 105,485,000 | $ 570,000 | $ 168,000 |
| Lowndes County Georgia | 3 | $ 1,085,000 | $ 361,000 | $ 167,000 |
| Lucas County Ohio | 1 | $ 205,000 | $ 205,000 | $ 99,000 |
| Luzerne County Pennsylvania | 6 | $ 1,180,000 | $ 196,000 | $ 71,000 |
| Lycoming County Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 32,000 |
| Lynchburg County Virginia | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Madera County California | 2 | $ 420,000 | $ 210,000 | $ 108,000 |
| Madison County Alabama | 6 | $ 1,440,000 | $ 240,000 | $ 141,000 |
| Madison County Georgia | 1 | $ 235,000 | $ 235,000 | $ 151,000 |
| Madison County Indiana | 1 | $ 295,000 | $ 295,000 | $ 224,000 |
| Manatee County Florida | 1 | $ 335,000 | $ 335,000 | $ 77,000 |
| Marengo County Alabama | 1 | $ 315,000 | $ 315,000 | $ 74,000 |
| Maricopa County Arizona | 70 | $ 24,960,000 | $ 356,000 | $ 200,000 |
| Marin County California | 5 | $ 4,395,000 | $ 879,000 | $ 264,000 |
| Marion County Florida | 2 | $ 530,000 | $ 265,000 | $ 97,000 |
| Marion County Indiana | 3 | $ 995,000 | $ 331,000 | $ 173,000 |
| Marion County Oregon | 4 | $ 1,950,000 | $ 487,000 | $ 135,000 |
| Marion County West Virginia | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| Mariposa County California | 2 | $ 610,000 | $ 305,000 | $ 172,000 |
| Martin County Florida | 1 | $ 435,000 | $ 435,000 | $ 241,000 |
| Maui County Hawaii | 3 | $ 1,975,000 | $ 658,000 | $ 166,000 |
| McHenry County Illinois | 1 | $ 325,000 | $ 325,000 | $ 292,000 |
| McLean County Illinois | 1 | $ 145,000 | $ 145,000 | $ 120,000 |
| McLennan County Texas | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| Mecklenburg County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 149,000 |
| Mendocino County California | 3 | $ 845,000 | $ 281,000 | $ 101,000 |
| Merced County California | 13 | $ 3,785,000 | $ 291,000 | $ 84,000 |
| Mercer County New Jersey | 1 | $ 345,000 | $ 345,000 | $ 107,000 |
| Mesa County Colorado | 1 | $ 475,000 | $ 475,000 | $ 67,000 |
| Miami-Dade County Florida | 11 | $ 2,745,000 | $ 249,000 | $ 116,000 |
| Middlesex County Connecticut | 1 | $ 1,265,000 | $ 1,265,000 | $ 540,000 |
| Middlesex County Massachusetts | 6 | $ 2,000,000 | $ 333,000 | $ 103,000 |
| Midland County Texas | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Miller County Georgia | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Missoula County Montana | 7 | $ 2,995,000 | $ 427,000 | $ 124,000 |
| Mohave County Arizona | 18 | $ 5,070,000 | $ 281,000 | $ 112,000 |
| Mono County California | 4 | $ 2,280,000 | $ 570,000 | $ 287,000 |
| Monroe County Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 405,000 |
| Monterey County California | 11 | $ 3,105,000 | $ 282,000 | $ 77,000 |
| Montgomery County Alabama | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Montgomery County Maryland | 2 | $ 520,000 | $ 260,000 | $ 125,000 |
| Montgomery County Pennsylvania | 2 | $ 610,000 | $ 305,000 | $ 145,000 |
| Montgomery County Texas | 2 | $ 1,020,000 | $ 510,000 | $ 179,000 |
| Morgan County Alabama | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Morgan County Georgia | 5 | $ 985,000 | $ 197,000 | $ 72,000 |
| Morgan County Illinois | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Morris County New Jersey | 2 | $ 1,270,000 | $ 635,000 | $ 187,000 |
| Multnomah County Oregon | 9 | $ 3,685,000 | $ 409,000 | $ 115,000 |
| Murray County Georgia | 2 | $ 210,000 | $ 105,000 | $ 35,000 |
| Muskegon County Michigan | 2 | $ 230,000 | $ 115,000 | $ 54,000 |
| Muskingum County Ohio | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| New Castle County Delaware | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| New Hanover County North Carolina | 1 | $ 865,000 | $ 865,000 | $ 696,000 |
| New Haven County Connecticut | 2 | $ 270,000 | $ 135,000 | $ 109,000 |
| Newport County Rhode Island | 2 | $ 930,000 | $ 465,000 | $ 142,000 |
| Newton County Georgia | 2 | $ 460,000 | $ 230,000 | $ 84,000 |
| Norfolk County Massachusetts | 3 | $ 1,085,000 | $ 361,000 | $ 100,000 |
| Northampton County Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 93,000 |
| Ocean County New Jersey | 2 | $ 760,000 | $ 380,000 | $ 141,000 |
| Orange County California | 64 | $ 40,390,000 | $ 631,000 | $ 193,000 |
| Orange County Florida | 3 | $ 695,000 | $ 231,000 | $ 73,000 |
| Orange County Virginia | 1 | $ 395,000 | $ 395,000 | $ 84,000 |
| Osceola County Florida | 3 | $ 865,000 | $ 288,000 | $ 161,000 |
| Ouachita County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Palm Beach County Florida | 12 | $ 3,750,000 | $ 312,000 | $ 141,000 |
| Park County Montana | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Pasco County Florida | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Penobscot County Maine | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Philadelphia County Pennsylvania | 5 | $ 1,275,000 | $ 255,000 | $ 169,000 |
| Pickens County Georgia | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Pierce County Washington | 3 | $ 1,495,000 | $ 498,000 | $ 130,000 |
| Pike County Georgia | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Pima County Arizona | 70 | $ 15,150,000 | $ 216,000 | $ 86,000 |
| Pinal County Arizona | 32 | $ 10,140,000 | $ 316,000 | $ 170,000 |
| Pinellas County Florida | 2 | $ 690,000 | $ 345,000 | $ 130,000 |
| Placer County California | 6 | $ 2,020,000 | $ 336,000 | $ 94,000 |
| Plymouth County Massachusetts | 2 | $ 840,000 | $ 420,000 | $ 166,000 |
| Polk County Florida | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Polk County Iowa | 2 | $ 400,000 | $ 200,000 | $ 113,000 |
| Polk County Oregon | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| Pontotoc County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 635,000 | $ 635,000 | $ 156,000 |
| Providence County Rhode Island | 5 | $ 1,345,000 | $ 269,000 | $ 134,000 |
| Putnam County Georgia | 2 | $ 750,000 | $ 375,000 | $ 200,000 |
| Ramsey County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Ravalli County Montana | 3 | $ 1,405,000 | $ 468,000 | $ 163,000 |
| Richland County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Richmond County Georgia | 2 | $ 160,000 | $ 80,000 | $ 167,000 |
| Riverside County California | 96 | $ 34,050,000 | $ 354,000 | $ 107,000 |
| Rusk County Texas | 2 | $ 400,000 | $ 200,000 | $ 90,000 |
| Rutherford County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 103,000 |
| Sacramento County California | 22 | $ 9,120,000 | $ 414,000 | $ 170,000 |
| Salt Lake County Utah | 33 | $ 13,335,000 | $ 404,000 | $ 139,000 |
| San Bernardino County California | 44 | $ 16,460,000 | $ 374,000 | $ 128,000 |
| San Diego County California | 43 | $ 27,475,000 | $ 638,000 | $ 196,000 |
| San Francisco County California | 11 | $ 7,875,000 | $ 715,000 | $ 172,000 |
| San Joaquin County California | 11 | $ 4,195,000 | $ 381,000 | $ 206,000 |
| San Luis Obispo County California | 18 | $ 6,370,000 | $ 353,000 | $ 118,000 |
| San Mateo County California | 16 | $ 11,690,000 | $ 730,000 | $ 235,000 |
| Sanders County Montana | 3 | $ 915,000 | $ 305,000 | $ 57,000 |
| Sandoval County New Mexico | 1 | $ 335,000 | $ 335,000 | $ 67,000 |
| Sanpete County Utah | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Santa Barbara County California | 10 | $ 4,430,000 | $ 443,000 | $ 166,000 |
| Santa Clara County California | 34 | $ 24,970,000 | $ 734,000 | $ 214,000 |
| Santa Cruz County Arizona | 2 | $ 390,000 | $ 195,000 | $ 130,000 |
| Santa Cruz County California | 5 | $ 2,605,000 | $ 521,000 | $ 112,000 |
| Santa Rosa County Florida | 2 | $ 1,140,000 | $ 570,000 | $ 135,000 |
| Sarasota County Florida | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| Sarpy County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Scott County Indiana | 1 | $ 195,000 | $ 195,000 | $ 67,000 |
| Scott County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 144,000 |
| Seminole County Georgia | 1 | $ 215,000 | $ 215,000 | $ 127,000 |
| Sevier County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Shasta County California | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Shelby County Alabama | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Shelby County Tennessee | 2 | $ 340,000 | $ 170,000 | $ 59,000 |
| Shenandoah County Virginia | 1 | $ 515,000 | $ 515,000 | $ 219,000 |
| Sherburne County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 96,000 |
| Siskiyou County California | 4 | $ 410,000 | $ 102,000 | $ 106,000 |
| Smith County Texas | 3 | $ 555,000 | $ 185,000 | $ 96,000 |
| Snohomish County Washington | 5 | $ 2,925,000 | $ 585,000 | $ 188,000 |
| Solano County California | 9 | $ 3,915,000 | $ 435,000 | $ 131,000 |
| Somervell County Texas | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Sonoma County California | 7 | $ 3,665,000 | $ 523,000 | $ 141,000 |
| Spokane County Washington | 9 | $ 2,765,000 | $ 307,000 | $ 126,000 |
| St. Charles County Missouri | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| St. Johns County Florida | 1 | $ 495,000 | $ 495,000 | $ 187,000 |
| St. Landry County Louisiana | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| St. Louis County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| St. Lucie County Florida | 3 | $ 885,000 | $ 295,000 | $ 104,000 |
| St. Tammany County Louisiana | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Stanislaus County California | 10 | $ 3,150,000 | $ 315,000 | $ 109,000 |
| Suffolk County Massachusetts | 1 | $ 755,000 | $ 755,000 | $ 187,000 |
| Sullivan County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 137,000 |
| Sullivan County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Summit County Utah | 10 | $ 4,910,000 | $ 491,000 | $ 495,000 |
| Sutter County California | 1 | $ 105,000 | $ 105,000 | $ 18,000 |
| Taos County New Mexico | 2 | $ 680,000 | $ 340,000 | $ 86,000 |
| Tarrant County Texas | 12 | $ 2,210,000 | $ 184,000 | $ 253,000 |
| Taylor County Texas | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Tehama County California | 3 | $ 445,000 | $ 148,000 | $ 89,000 |
| Teller County Colorado | 1 | $ 165,000 | $ 165,000 | $ 28,000 |
| Teton County Montana | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Tillamook County Oregon | 2 | $ 390,000 | $ 195,000 | $ 79,000 |
| Tippah County Mississippi | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Tom Green County Texas | 1 | $ 235,000 | $ 235,000 | $ 125,000 |
| Tooele County Utah | 5 | $ 1,745,000 | $ 349,000 | $ 97,000 |
| Travis County Texas | 6 | $ 1,680,000 | $ 280,000 | $ 126,000 |
| Tulare County California | 4 | $ 750,000 | $ 187,000 | $ 60,000 |
| Tuolumne County California | 2 | $ 500,000 | $ 250,000 | $ 172,000 |
| Twin Falls County Idaho | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Umatilla County Oregon | 5 | $ 1,055,000 | $ 211,000 | $ 96,000 |
| Union County New Jersey | 1 | $ 645,000 | $ 645,000 | $ 225,000 |
| Union County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 94,000 |
| Upshur County Texas | 2 | $ 470,000 | $ 235,000 | $ 843,000 |
| Upson County Georgia | 1 | $ 195,000 | $ 195,000 | $ 69,000 |
| Utah County Utah | 29 | $ 10,835,000 | $ 373,000 | $ 104,000 |
| Van Wert County Ohio | 2 | $ 180,000 | $ 90,000 | $ 43,000 |
| Ventura County California | 25 | $ 12,995,000 | $ 519,000 | $ 156,000 |
| Virginia Beach County Virginia | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Wake County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Waller County Texas | 1 | $ 135,000 | $ 135,000 | $ 150,000 |
| Walton County Florida | 1 | $ 225,000 | $ 225,000 | $ 187,000 |
| Walton County Georgia | 3 | $ 755,000 | $ 251,000 | $ 74,000 |
| Walworth County Wisconsin | 2 | $ 970,000 | $ 485,000 | $ 267,000 |
| Warrick County Indiana | 1 | $ 225,000 | $ 225,000 | $ 40,000 |
| Wasatch County Utah | 2 | $ 2,840,000 | $ 1,420,000 | $ 484,000 |
| Washington County Indiana | 1 | $ 145,000 | $ 145,000 | $ 39,000 |
| Washington County Minnesota | 2 | $ 690,000 | $ 345,000 | $ 108,000 |
| Washington County Oregon | 5 | $ 1,725,000 | $ 345,000 | $ 97,000 |
| Washington County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Washington County Utah | 5 | $ 1,145,000 | $ 229,000 | $ 76,000 |
| Washoe County Nevada | 2 | $ 2,410,000 | $ 1,205,000 | $ 1,043,000 |
| Watauga County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 138,000 |
| Wayne County Michigan | 3 | $ 505,000 | $ 168,000 | $ 132,000 |
| Weber County Utah | 8 | $ 2,880,000 | $ 360,000 | $ 67,000 |
| Whitfield County Georgia | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Will County Illinois | 6 | $ 2,120,000 | $ 353,000 | $ 146,000 |
| Williamson County Tennessee | 1 | $ 1,495,000 | $ 1,495,000 | $ 660,000 |
| Williamson County Texas | 2 | $ 690,000 | $ 345,000 | $ 241,000 |
| Worcester County Massachusetts | 8 | $ 2,060,000 | $ 257,000 | $ 101,000 |
| Yakima County Washington | 2 | $ 450,000 | $ 225,000 | $ 81,000 |
| Yavapai County Arizona | 24 | $ 6,890,000 | $ 287,000 | $ 113,000 |
| Yellowstone County Montana | 3 | $ 685,000 | $ 228,000 | $ 100,000 |
| Yolo County California | 2 | $ 670,000 | $ 335,000 | $ 92,000 |
| York County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Yuba County California | 3 | $ 755,000 | $ 251,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Stearns Lending, Llc in 2022
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 | 776 | $293,160,000 | $377,000 | $2,005,000 | $151,000 | $2,024,000 |
| Cash-out Refinancing | 721 | $277,435,000 | $384,000 | $2,005,000 | $135,000 | $3,230,000 |
| Refinancing | 531 | $202,995,000 | $382,000 | $2,235,000 | $148,000 | $1,612,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 6 | $1,920,000 | $320,000 | $565,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,875,000 | $575,000 | $715,000 | $175,000 | $263,000 |
| American Indian or Alaskan Native | 4 | $1,230,000 | $307,000 | $705,000 | $125,000 | $179,000 |
| White | 1,031 | $377,825,000 | $366,000 | $2,235,000 | $142,000 | $3,230,000 |
| Black or African American | 95 | $31,375,000 | $330,000 | $1,165,000 | $125,000 | $696,000 |
| Hispanic | 323 | $106,245,000 | $328,000 | $2,005,000 | $104,000 | $1,390,000 |
| Not Provided | 318 | $136,340,000 | $428,000 | $1,495,000 | $163,000 | $2,145,000 |
| Asian | 238 | $113,350,000 | $476,000 | $1,565,000 | $189,000 | $707,000 |
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) | 1,854 | $720,190,000 | $388,000 | $2,235,000 | $150,000 | $3,230,000 |
| FHA-insured (Federal Housing Administration) | 125 | $35,865,000 | $286,000 | $835,000 | $72,000 | $343,000 |
| VA-guaranteed (Veterans Administration) | 38 | $14,830,000 | $390,000 | $1,855,000 | $105,000 | $307,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $2,705,000 | $245,000 | $435,000 | $60,000 | $93,000 |
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 | 1,273 | $478,005,000 | $375,000 | $2,235,000 | $140,000 | $2,145,000 |
| Application Withdrawn By Applicant | 441 | $180,535,000 | $409,000 | $2,005,000 | $147,000 | $2,024,000 |
| Application Denied By Financial Institution | 234 | $87,470,000 | $373,000 | $2,005,000 | $158,000 | $3,230,000 |
| Application Approved But Not Accepted | 56 | $20,830,000 | $371,000 | $1,345,000 | $158,000 | $862,000 |
| File Closed For Incompleteness | 18 | $4,830,000 | $268,000 | $855,000 | $157,000 | $398,000 |
| Loan Purchased By The Institution | 6 | $1,920,000 | $320,000 | $565,000 | $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 | 1,794 | $686,120,000 | $382,000 | $2,235,000 | $143,000 | $2,145,000 |
| Unverifiable Information | 118 | $48,230,000 | $408,000 | $2,005,000 | $206,000 | $3,230,000 |
| Credit Application Incomplete | 37 | $12,895,000 | $348,000 | $1,715,000 | $121,000 | $403,000 |
| Collateral | 31 | $7,985,000 | $257,000 | $645,000 | $132,000 | $464,000 |
| Debt-To-Income Ratio | 26 | $10,450,000 | $401,000 | $1,165,000 | $78,000 | $261,000 |
| Credit History | 8 | $2,300,000 | $287,000 | $615,000 | $90,000 | $198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $3,440,000 | $430,000 | $1,505,000 | $109,000 | $372,000 |
| Employment History | 4 | $1,520,000 | $380,000 | $725,000 | $80,000 | $152,000 |
| Other | 2 | $650,000 | $325,000 | $405,000 | $124,000 | $188,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, Llc's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Stearns Lending, Llc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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