Bear Lake County, ID Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 402 mortgage applications in Bear Lake County, ID totaling $58.0 million, up 2% from 2011. The average application was for $144,000, and applicants reported an average income of $84,000. 51% of applications resulted in an originated loan and 22% were denied. The most active lender was Zions Bancorporation, N.A., with 63 applications, followed by US Bk NA Nd and Advantage Plus FCU.
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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 | 402 |
| Total Mortgage Loan Application Amount | $57,986,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $620,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $640,000 |
* 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 |
|---|---|---|---|---|
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 17,531,277,000 | 63 | $ 7,859,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 41 | $ 4,109,000 |
| Advantage Plus FCU 2133 E CENTER ST. POCATELLO, ID 83201 |
* | $ 110,293,000 | 41 | $ 4,573,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 35 | $ 4,840,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 22 | $ 5,028,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 17 | $ 1,895,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 14 | $ 1,581,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 11 | $ 1,758,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 1,011,052,000 | 11 | $ 1,081,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,973,405,000 | 9 | $ 1,182,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 8 | $ 1,258,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,197,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 5,095,899,000 | 8 | $ 1,270,000 |
| Ireland Bank 33 BANNOCK STREET MALAD CITY, ID 83252 |
* | $ 212,178,000 | 7 | $ 475,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 860,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 4 | $ 523,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 4 | $ 658,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 745,832,000 | 4 | $ 689,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 3 | $ 674,000 |
| Lewiston State Bank P O BOX 32 LEWISTON, UT 84320 |
* | $ 244,524,000 | 3 | $ 1,268,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 3 | $ 419,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 311,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 3 | $ 1,037,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 3 | $ 582,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 912,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 3 | $ 344,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 330,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 475,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 2 | $ 628,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 609,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 374,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 399,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ 12,500,000 | 2 | $ 401,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 2 | $ 476,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 264,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 2 | $ 631,000 |
| Lookout Credit Union 707 S 9TH AVE POCATELLO, ID 83201 |
* | $ 113,035,000 | 2 | $ 265,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 779,421,000 | 2 | $ 313,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 185,000 |
| Mortgage Advisory Group 2902 COLBY AVENUE EVERETT, WA 98201 |
* | $ 12,500,000 | 1 | $ 93,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 127,000 |
| Great Plains 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ 286,660,000 | 1 | $ 45,000 |
| Peoples National Bank 5175 N ACADEMY BLVD COLORADO SPRINGS, CO 80918 |
* | $ 196,611,000 | 1 | $ 186,000 |
| Citizens Community Bank 280 SOUTH ARTHUR AVE POCATELLO, ID 83204 |
* | $ 361,150,000 | 1 | $ 233,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 669,292,000 | 1 | $ 186,000 |
| Rails West FCU 4708 YELLOWSTONE AVENUE CHUBBUCK, ID 83202 |
* | $ 56,595,000 | 1 | $ 39,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 69,289,000 | 1 | $ 175,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 35,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 427,650,000 | 1 | $ 174,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 90,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 204,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 273,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 211,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 103,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 268,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 191,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ 40,000,000 | 1 | $ 98,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 89,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 273,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 145,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 160,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 168,000 |
The tables below break down 2012 mortgage applications in Bear Lake 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 Bear Lake County, ID in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 257 | $40,052,000 | $155,000 | $620,000 | $91,000 | $629,000 |
| Home Purchase | 124 | $16,706,000 | $134,000 | $593,000 | $72,000 | $640,000 |
| Home Improvement | 21 | $1,228,000 | $58,000 | $187,000 | $60,000 | $139,000 |
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 | 332 | $45,460,000 | $136,000 | $620,000 | $87,000 | $640,000 |
| Not applicable | 31 | $5,804,000 | $187,000 | $450,000 | $19,000 | $246,000 |
| Not Provided | 27 | $4,927,000 | $182,000 | $417,000 | $104,000 | $404,000 |
| Hispanic | 10 | $1,546,000 | $154,000 | $249,000 | $129,000 | $205,000 |
| American Indian or Alaskan Native | 1 | $74,000 | $74,000 | $74,000 | $37,000 | $37,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $171,000 | $171,000 |
| Black or African American | 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) | 315 | $47,666,000 | $151,000 | $620,000 | $96,000 | $640,000 |
| FHA-insured (Federal Housing Administration) | 53 | $6,280,000 | $118,000 | $259,000 | $40,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,727,000 | $109,000 | $204,000 | $36,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,313,000 | $145,000 | $255,000 | $51,000 | $74,000 |
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 | 204 | $29,046,000 | $142,000 | $620,000 | $98,000 | $640,000 |
| Application Denied By Financial Institution | 90 | $12,807,000 | $142,000 | $565,000 | $76,000 | $350,000 |
| Loan Purchased By The Institution | 45 | $8,069,000 | $179,000 | $417,000 | $43,000 | $299,000 |
| Application Withdrawn By Applicant | 34 | $3,819,000 | $112,000 | $412,000 | $72,000 | $250,000 |
| Application Approved But Not Accepted | 17 | $2,286,000 | $134,000 | $230,000 | $85,000 | $300,000 |
| File Closed For Incompleteness | 12 | $1,959,000 | $163,000 | $403,000 | $85,000 | $404,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 27 | $4,516,000 | $167,000 | $515,000 | $109,000 | $350,000 |
| Debt-To-Income Ratio | 20 | $3,233,000 | $161,000 | $565,000 | $63,000 | $162,000 |
| Credit History | 17 | $1,810,000 | $106,000 | $249,000 | $65,000 | $146,000 |
| Unverifiable Information | 6 | $734,000 | $122,000 | $170,000 | $79,000 | $144,000 |
| Other | 5 | $688,000 | $137,000 | $195,000 | $49,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $509,000 | $254,000 | $417,000 | $77,000 | $131,000 |
| Credit Application Incomplete | 2 | $227,000 | $113,000 | $189,000 | $163,000 | $229,000 |
| Employment History | 1 | $136,000 | $136,000 | $136,000 | $45,000 | $45,000 |
| 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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