Bear Lake County, ID Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 477 mortgage applications in Bear Lake County, ID totaling $150.9 million, down 34% from 2021. The average application was for $316,000, and applicants reported an average income of $143,000. 61% of applications resulted in an originated loan and 12% were denied. The most active lender was Advantage Plus FCU, with 46 applications, followed by US Bank, N.A. and America First 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 | 477 |
| Total Mortgage Loan Application Amount | $150,925,000 |
| Average Mortgage Loan Application Amount | $316,000 |
| Highest Mortgage Loan Application Amount | $2,305,000 |
| Average Applicant Income | $143,000 |
| Highest Applicant Income | $1,522,000 |
* 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 |
|---|---|---|---|---|
| Advantage Plus FCU 2133 E CENTER ST. POCATELLO, ID 83201 |
* | $ 245,736,000 | 46 | $ 14,040,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 41 | $ 9,055,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 16,830,237,000 | 30 | $ 8,380,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 8,340,324,000 | 29 | $ 5,485,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 93,199,669,000 | 28 | $ 9,940,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 14,019,893,000 | 23 | $ 4,245,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 10 | $ 6,680,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,800,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 2,506,598,000 | 9 | $ 1,395,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 9 | $ 3,275,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 9 | $ 5,005,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 2,910,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 8 | $ 1,850,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,245,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ 3,083,491,000 | 7 | $ 6,485,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 25,919,785,000 | 7 | $ 2,645,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 6 | $ 2,640,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 800,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,495,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 1,465,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 875,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 5 | $ 1,675,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 5 | $ 385,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 930,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 450,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 3,370,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 1,600,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 4 | $ 1,130,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 4 | $ 1,390,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 2,149,308,000 | 3 | $ 1,955,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 1,155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 715,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 955,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 3 | $ 2,655,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 1,445,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 3 | $ 715,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 665,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 525,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ -1,000 | 2 | $ 640,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 300,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 2 | $ 1,800,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 19,973,048,000 | 2 | $ 1,540,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 360,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 922,179,000 | 2 | $ 840,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 780,000 |
| Pacific Residential Mortgage, LLC 4949 MEADOWS ROAD SUITE 350 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 2 | $ 710,000 |
| Beam Lending LLC 1086 UT-193 #102 COTTONWOOD HEIGHTS, UT 84121 |
* | $ -1,000 | 2 | $ 750,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 951,799,000 | 2 | $ 280,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 400,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 250,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ 499,790,000 | 2 | $ 120,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 810,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 2,935,865,000 | 2 | $ 1,140,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 2 | $ 610,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 360,000 |
| Granite Federal Credit Union 3675 S 900 E SALT LAKE CITY, UT 84106 |
* | $ 679,249,000 | 1 | $ 485,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 175,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ 737,519,000 | 1 | $ 275,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 1,235,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 105,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 1 | $ 185,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 1 | $ 305,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 1 | $ 285,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 1,847,089,000 | 1 | $ 315,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 1 | $ 335,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 495,000 |
| Wasatch Peaks Federal Credit Union 4723 HARRISON BLVD OGDEN, UT 84403 |
* | $ 465,019,000 | 1 | $ 555,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 265,000 |
| Utah Mortgage Loan Corporation 3300 N TRIUMPH BLVD #100 LEHI, UT 84043 |
* | $ -1,000 | 1 | $ 515,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 625,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 415,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 365,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 1 | $ 645,000 |
| University Credit Union 1500 S. SEPULVEDA BLVD. LOS ANGELES, CA 90025 |
* | $ 1,047,101,000 | 1 | $ 75,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 18,959,414,000 | 1 | $ 1,135,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 1,105,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 1 | $ 785,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 525,000 |
| Security Home Mortgage 576 SOUTH STATE STREET OREM, UT 84058 |
* | $ -1,000 | 1 | $ 645,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 285,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 7,686,307,000 | 1 | $ 65,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 445,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 425,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 265,000 |
| Utah First Credit Union 200 E SOUTH TEMPLE SALT LAKE CITY, UT 84111 |
* | $ 688,960,000 | 1 | $ 2,305,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 1 | $ 585,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 85,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ 251,923,000 | 1 | $ 155,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 502,207,000 | 1 | $ 125,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 135,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 155,000 |
| Bank of Jackson Hole 990 W BROADWAY JACKSON, WY 83001 |
* | $ 1,598,675,000 | 1 | $ 405,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 325,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 545,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 265,000 |
| Wallick and Volk, Inc. 222 E. 18TH ST. CHEYENNE, WY 82001 |
* | $ -1,000 | 1 | $ 605,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 385,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 825,000 |
The tables below break down 2022 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 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 | 183 | $81,385,000 | $444,000 | $2,305,000 | $189,000 | $1,284,000 |
| Cash-out Refinancing | 131 | $33,125,000 | $252,000 | $1,355,000 | $115,000 | $1,522,000 |
| Refinancing | 80 | $23,530,000 | $294,000 | $1,135,000 | $108,000 | $750,000 |
| Home Improvement | 48 | $6,000,000 | $125,000 | $755,000 | $119,000 | $735,000 |
| Other Purpose | 35 | $6,885,000 | $196,000 | $1,505,000 | $130,000 | $584,000 |
| 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 | 365 | $115,265,000 | $315,000 | $2,305,000 | $152,000 | $1,522,000 |
| Not Provided | 60 | $14,400,000 | $240,000 | $705,000 | $97,000 | $336,000 |
| Not applicable | 34 | $17,160,000 | $504,000 | $1,755,000 | $0 | $0 |
| Hispanic | 13 | $2,125,000 | $163,000 | $635,000 | $88,000 | $252,000 |
| American Indian or Alaskan Native | 2 | $410,000 | $205,000 | $265,000 | $197,000 | $337,000 |
| Black or African American | 2 | $360,000 | $180,000 | $185,000 | $79,000 | $155,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,205,000 | $1,205,000 | $1,205,000 | $298,000 | $298,000 |
| Asian | 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) | 390 | $129,700,000 | $332,000 | $2,305,000 | $156,000 | $1,522,000 |
| FHA-insured (Federal Housing Administration) | 62 | $13,460,000 | $217,000 | $425,000 | $72,000 | $294,000 |
| VA-guaranteed (Veterans Administration) | 23 | $7,335,000 | $318,000 | $695,000 | $90,000 | $248,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $430,000 | $215,000 | $275,000 | $71,000 | $79,000 |
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 | 291 | $88,955,000 | $305,000 | $1,755,000 | $155,000 | $1,522,000 |
| Application Denied By Financial Institution | 59 | $17,125,000 | $290,000 | $2,305,000 | $107,000 | $601,000 |
| Application Withdrawn By Applicant | 43 | $15,115,000 | $351,000 | $1,235,000 | $150,000 | $1,116,000 |
| Loan Purchased By The Institution | 39 | $16,755,000 | $429,000 | $1,125,000 | $119,000 | $185,000 |
| Application Approved But Not Accepted | 29 | $9,305,000 | $320,000 | $1,205,000 | $129,000 | $302,000 |
| File Closed For Incompleteness | 16 | $3,670,000 | $229,000 | $605,000 | $84,000 | $248,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 417 | $133,485,000 | $320,000 | $1,755,000 | $148,000 | $1,522,000 |
| Credit History | 19 | $4,585,000 | $241,000 | $2,305,000 | $99,000 | $601,000 |
| Debt-To-Income Ratio | 17 | $5,885,000 | $346,000 | $825,000 | $79,000 | $296,000 |
| Collateral | 10 | $1,370,000 | $137,000 | $245,000 | $120,000 | $275,000 |
| Other | 6 | $1,630,000 | $271,000 | $825,000 | $148,000 | $296,000 |
| Credit Application Incomplete | 5 | $2,065,000 | $413,000 | $1,355,000 | $143,000 | $271,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,260,000 | $630,000 | $1,115,000 | $140,000 | $214,000 |
| Employment History | 1 | $645,000 | $645,000 | $645,000 | $200,000 | $200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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