Bannock County, ID Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 4,276 mortgage applications in Bannock County, ID totaling $667.5 million, up 7% from 2015. The average application was for $156,000, and applicants reported an average income of $62,000. 55% of applications resulted in an originated loan and 14% were denied. The most active lender was Idaho Central Credit Union, with 718 applications, followed by Glacier Bank and Guild Mortgage Company.

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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 4,276
Total Mortgage Loan Application Amount $667,491,000
Average Mortgage Loan Application Amount $156,000
Highest Mortgage Loan Application Amount $52,800,000
Average Applicant Income $62,000
Highest Applicant Income $1,086,000

Mortgage Company List for Lending in Bannock County, ID for 2016

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 2,418,391,000 718 $ 100,028,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 9,067,390,000 419 $ 64,249,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 317 $ 35,986,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 232 $ 34,910,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 205 $ 30,066,000
Advantage Plus FCU
2133 E CENTER ST.
POCATELLO, ID 83201
* $ 114,806,000 146 $ 20,670,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 143 $ 21,259,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ 620,577,000 122 $ 16,213,000
Lookout Credit Union
707 S 9TH AVE
POCATELLO, ID 83201
* $ 154,923,000 114 $ 13,082,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 106 $ 17,382,000
Bank of Idaho
399 N CAPITAL
IDAHO FALLS, ID 83403
* $ 275,672,000 102 $ 16,242,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 5,077,887,000 100 $ 12,258,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 77 $ 9,730,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 69 $ 8,636,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 67 $ 8,200,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ 10,000,000 66 $ 9,866,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 52 $ 8,236,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 51 $ 6,621,000
Connections Credit Union
1150 NORTH 8TH AVENUE
POCATELLO, ID 83201
* $ 142,166,000 47 $ 4,875,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 41 $ 5,093,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 39 $ 7,104,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 36 $ 5,519,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ 10,000,000 36 $ 6,397,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 93,038,275,000 33 $ 3,401,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 33 $ 4,944,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 32 $ 6,018,000
Rails West FCU
4708 YELLOWSTONE AVENUE
CHUBBUCK, ID 83202
* $ 56,631,000 30 $ 2,140,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 25 $ 4,014,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 22 $ 3,971,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 20 $ 2,365,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 19 $ 2,663,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 59,401,875,000 19 $ 9,256,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 19 $ 3,074,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 19 $ 2,410,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ 1,227,109,000 19 $ 3,068,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 18 $ 3,371,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 17 $ 1,905,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 14,694,047,000 17 $ 2,177,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 17 $ 3,125,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 16 $ 2,476,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 16 $ 1,801,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 15 $ 2,130,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 15 $ 1,613,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 15 $ 2,415,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 46,472,436,000 14 $ 2,072,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 13 $ 1,493,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 13 $ 838,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 12 $ 1,921,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 11 $ 1,979,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 961,290,000 11 $ 1,285,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 10 $ 1,928,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 10 $ 1,632,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 10 $ 2,057,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 9 $ 1,654,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 9 $ 1,648,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 8 $ 1,267,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 8 $ 672,000
Ireland Bank
33 BANNOCK STREET
MALAD CITY, ID 83252
* $ 209,643,000 8 $ 4,017,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,367,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 7 $ 935,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 7 $ 1,328,000
The Bank of Commerce
3113 SOUTH 25TH EAST
AMMON, ID 83406
* $ 1,052,122,000 7 $ 2,646,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 7 $ 319,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 7 $ 852,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 6 $ 895,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 6 $ 1,011,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 6 $ 1,010,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 5 $ 1,091,000
Beehive Federal Credit Union
PO BOX 40
REXBURG, ID 83440
* $ 212,185,000 5 $ 734,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 7,273,809,000 5 $ 1,022,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 19,425,339,000 5 $ 719,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 4 $ 644,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 4 $ 486,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 4 $ 73,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 4 $ 731,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 4 $ 596,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 4 $ 650,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 4 $ 316,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ 10,000,000 4 $ 436,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ 31,000,000 4 $ 469,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 787,000
American Southwest Mortgage Funding Corp
5900 MOSTELLER DRIVE SUITE 8
OKLAHOMA CITY, OK 73112
* $ 336,426,000 4 $ 676,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 4 $ 412,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 361,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 4 $ 615,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 4 $ 710,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 4 $ 752,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 3 $ 565,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 397,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ 40,000,000 3 $ 302,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ 952,884,000 3 $ 639,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 7,180,435,000 3 $ 247,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 3 $ 722,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 3 $ 517,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 3 $ 697,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 376,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 3 $ 120,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 3 $ 556,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 3 $ 474,000
Frontier Credit Union
865 S WOODRUFF AVE
IDAHO FALLS, ID 83401
* $ 262,657,000 3 $ 280,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ 9,774,230,000 3 $ 351,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 3 $ 222,000
Idaho First Bank
475 E DEINHARD LANE
MCCALL, ID 83638
* $ 122,127,000 2 $ 198,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 2 $ 261,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 2 $ 308,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 2 $ 111,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 19,460,442,000 2 $ 676,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 2 $ 366,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ 10,000,000 2 $ 210,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 6,656,748,000 2 $ 300,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 125,111,000 2 $ 279,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 2 $ 48,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 339,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 2 $ 193,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ 7,113,654,000 2 $ 364,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 440,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 2 $ 285,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,949,868,000 2 $ 225,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 88,000
Goldenwest Federal Credit Union
5025 ADAMS AVE
OGDEN, UT 84403
* $ 1,129,059,000 1 $ 105,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 7,606,000 1 $ 52,800,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 1 $ 100,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 358,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 312,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 147,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 8,699,182,000 1 $ 106,000
Deseret First Credit Union
3999 PARKWAY BOULEVARD
WEST VALLEY CITY, UT 84120
* $ 505,500,000 1 $ 70,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 191,000
Catalyst Lending, Inc.
6530 S YOSEMITE STREET, SUITE 310
GREENWOOD VILLAGE, CO 80111
* $ 410,214,000 1 $ 94,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 3,519,033,000 1 $ 485,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 8,649,723,000 1 $ 95,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,617,322,000 1 $ 126,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 1 $ 85,000
Blueleaf Lending, LLC
112 S SANGAMON STREET 2ND FLOOR
CHICAGO, IL 60607
* $ 221,438,000 1 $ 315,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 131,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ 10,000,000 1 $ 214,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ 20,000,000 1 $ 111,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 194,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 106,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 1 $ 359,000
Pacific Nw Federal Credit Union
12005 NE ERIN WAY
PORTLAND, OR 97220
* $ 149,588,000 1 $ 94,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 1 $ 43,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ 3,406,000,000 1 $ 107,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ 10,000,000 1 $ 305,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ 4,609,426,188,000 1 $ 107,000
Skyline Financial Corp.
27001 AGOURA ROAD STE. 350
CALABASAS, CA 91301
* $ 10,000,000 1 $ 125,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 354,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 114,257,000 1 $ 227,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 150,488,000 1 $ 98,000
Western State Bank
755 13TH AVE E
DEVILS LAKE, ND 58301
* $ 831,999,000 1 $ 58,000
Graystone Funding Company, LLC
1966 EAST 6200 SOUTH
SALT LAKE CITY, UT 84121
* $ 19,815,084,000 1 $ 206,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 224,192,000 1 $ 8,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 1 $ 112,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 42,042,000,000 1 $ 285,000

The tables below break down 2016 mortgage applications in Bannock County, ID by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Bannock County, ID in 2016

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 2,200 $382,005,000 $173,000 $52,800,000 $60,000 $542,000
Refinancing 1,968 $276,723,000 $140,000 $1,790,000 $63,000 $1,041,000
Home Improvement 108 $8,763,000 $81,000 $360,000 $81,000 $1,086,000

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 3,192 $447,394,000 $140,000 $2,021,000 $68,000 $1,086,000
Not applicable 487 $138,280,000 $283,000 $52,800,000 $17,000 $475,000
Not Provided 328 $45,345,000 $138,000 $660,000 $71,000 $1,041,000
Hispanic 182 $23,939,000 $131,000 $360,000 $54,000 $240,000
American Indian or Alaskan Native 39 $5,734,000 $147,000 $375,000 $61,000 $242,000
Asian 30 $4,204,000 $140,000 $334,000 $68,000 $420,000
Black or African American 9 $1,133,000 $125,000 $378,000 $57,000 $136,000
Native Hawaiin or Other Pacific Islander 9 $1,462,000 $162,000 $272,000 $71,000 $200,000

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) 2,954 $473,494,000 $160,000 $52,800,000 $71,000 $1,086,000
FHA-insured (Federal Housing Administration) 904 $119,043,000 $131,000 $277,000 $39,000 $1,008,000
VA-guaranteed (Veterans Administration) 403 $73,200,000 $181,000 $845,000 $49,000 $355,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 15 $1,754,000 $116,000 $190,000 $43,000 $119,000

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 2,364 $341,452,000 $144,000 $5,400,000 $68,000 $657,000
Loan Purchased By The Institution 619 $150,307,000 $242,000 $52,800,000 $31,000 $475,000
Application Denied By Financial Institution 614 $81,998,000 $133,000 $1,550,000 $65,000 $1,086,000
Application Withdrawn By Applicant 341 $46,905,000 $137,000 $500,000 $67,000 $875,000
Application Approved But Not Accepted 216 $30,983,000 $143,000 $760,000 $76,000 $505,000
File Closed For Incompleteness 122 $15,846,000 $129,000 $358,000 $50,000 $471,000
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
Credit History 108 $11,890,000 $110,000 $378,000 $71,000 $1,086,000
Debt-To-Income Ratio 91 $11,416,000 $125,000 $361,000 $44,000 $175,000
Collateral 74 $9,866,000 $133,000 $388,000 $69,000 $264,000
Other 32 $4,876,000 $152,000 $845,000 $90,000 $355,000
Credit Application Incomplete 30 $3,874,000 $129,000 $276,000 $68,000 $199,000
Unverifiable Information 20 $2,570,000 $128,000 $365,000 $59,000 $220,000
Employment History 11 $1,194,000 $108,000 $204,000 $42,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 8 $683,000 $85,000 $112,000 $60,000 $165,000
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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