Benewah County, ID Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 444 mortgage applications in Benewah County, ID totaling $110.6 million, up 21% from 2024. The average application was for $249,000, and applicants reported an average income of $114,000. 55% of applications resulted in an originated loan and 18% were denied. The most active lender was Potlatch No 1 Financial Credit U, with 40 applications, followed by Idaho Central Credit Union and Freedom Northwest 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 | 444 |
| Total Mortgage Loan Application Amount | $110,620,000 |
| Average Mortgage Loan Application Amount | $249,000 |
| Highest Mortgage Loan Application Amount | $2,215,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $981,000 |
* 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 |
|---|---|---|---|---|
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ n/a | 40 | $ 5,960,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ n/a | 25 | $ 5,985,000 |
| Freedom Northwest Credit Union 303 MAIN ST KAMIAH, ID 83536 |
* | $ n/a | 22 | $ 3,700,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ n/a | 15 | $ 3,085,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 6,465,000 |
| Spokane Teachers Credit Union 1620 N SIGNAL DR LIBERTY LAKE, WA 99019 |
* | $ n/a | 12 | $ 3,150,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 12 | $ 3,910,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 12 | $ 3,840,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 11 | $ 1,125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 11 | $ 3,465,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 11 | $ 3,495,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 10 | $ 3,360,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 8 | $ 2,670,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 7 | $ 1,035,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 7 | $ 715,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ n/a | 7 | $ 1,475,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ n/a | 7 | $ 1,185,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 1,125,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 7 | $ 1,955,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 7 | $ 1,985,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 6 | $ 1,380,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 1,340,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 6 | $ 1,870,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 2,040,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 6 | $ 2,000,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 5 | $ 2,175,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 5 | $ 1,275,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 5 | $ 2,605,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 905,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ n/a | 5 | $ 1,585,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 940,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 230,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ n/a | 4 | $ 1,500,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 4 | $ 600,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 680,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 1,030,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 1,200,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 4 | $ 1,000,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 1,420,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 545,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 945,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ n/a | 3 | $ 825,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 1,145,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 3 | $ 1,175,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 3 | $ 615,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 655,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 615,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 2 | $ 840,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 800,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ n/a | 2 | $ 380,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 2 | $ 700,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 2 | $ 530,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 2 | $ 210,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 2 | $ 1,050,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ n/a | 2 | $ 360,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 430,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ n/a | 2 | $ 860,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ n/a | 2 | $ 650,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 2 | $ 1,190,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 595,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 315,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 325,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ n/a | 1 | $ 135,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ n/a | 1 | $ 35,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 55,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 155,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 295,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 105,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 95,000 |
| Priority Home Lending, LLC HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 105,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 305,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ n/a | 1 | $ 75,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 145,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 95,000 |
| Genway Home Mortgage, Inc. 3211 INTERNET BOULEVARD, SUITE 300 FRISCO, TX 75034 |
* | $ n/a | 1 | $ 525,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 285,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 1 | $ 305,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 105,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 595,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 135,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 785,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 225,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 125,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 1 | $ 205,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 55,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ n/a | 1 | $ 405,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 75,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 135,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 305,000 |
The tables below break down 2025 mortgage applications in Benewah 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 Benewah County, ID in 2025
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 | 167 | $51,475,000 | $308,000 | $1,485,000 | $114,000 | $593,000 |
| Cash-out Refinancing | 119 | $29,075,000 | $244,000 | $2,215,000 | $100,000 | $819,000 |
| Other Purpose | 55 | $6,345,000 | $115,000 | $555,000 | $142,000 | $981,000 |
| Refinancing | 55 | $17,655,000 | $321,000 | $995,000 | $121,000 | $283,000 |
| Home Improvement | 47 | $5,265,000 | $112,000 | $395,000 | $109,000 | $349,000 |
| Not Applicable | 1 | $805,000 | $805,000 | $805,000 | $152,000 | $152,000 |
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 | 336 | $79,300,000 | $236,000 | $1,485,000 | $113,000 | $981,000 |
| Not Provided | 48 | $12,790,000 | $266,000 | $695,000 | $112,000 | $323,000 |
| Not applicable | 30 | $9,750,000 | $325,000 | $775,000 | $76,000 | $82,000 |
| American Indian or Alaskan Native | 16 | $3,880,000 | $242,000 | $555,000 | $116,000 | $336,000 |
| Hispanic | 12 | $4,440,000 | $370,000 | $2,215,000 | $155,000 | $819,000 |
| Asian | 1 | $425,000 | $425,000 | $425,000 | $136,000 | $136,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $60,000 | $60,000 |
| 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) | 330 | $70,780,000 | $214,000 | $1,485,000 | $117,000 | $981,000 |
| FHA-insured (Federal Housing Administration) | 57 | $16,895,000 | $296,000 | $535,000 | $97,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 56 | $22,930,000 | $409,000 | $2,215,000 | $115,000 | $819,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $15,000 | $15,000 | $15,000 | $128,000 | $128,000 |
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 | 242 | $58,490,000 | $241,000 | $1,485,000 | $116,000 | $981,000 |
| Application Denied By Financial Institution | 79 | $14,025,000 | $177,000 | $725,000 | $92,000 | $264,000 |
| Application Withdrawn By Applicant | 67 | $21,915,000 | $327,000 | $2,215,000 | $127,000 | $819,000 |
| Loan Purchased By The Institution | 31 | $9,855,000 | $317,000 | $775,000 | $88,000 | $112,000 |
| File Closed For Incompleteness | 13 | $3,765,000 | $289,000 | $975,000 | $170,000 | $630,000 |
| Application Approved But Not Accepted | 11 | $2,385,000 | $216,000 | $615,000 | $114,000 | $283,000 |
| Preapproval Denied by Financial Institution | 1 | $185,000 | $185,000 | $185,000 | $4,000 | $4,000 |
| Preapproval Approved but not Accepted | 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 | 342 | $92,710,000 | $271,000 | $2,215,000 | $122,000 | $981,000 |
| Debt-To-Income Ratio | 46 | $8,700,000 | $189,000 | $725,000 | $79,000 | $203,000 |
| Collateral | 30 | $4,710,000 | $157,000 | $455,000 | $105,000 | $264,000 |
| Credit History | 15 | $2,885,000 | $192,000 | $595,000 | $96,000 | $144,000 |
| Credit Application Incomplete | 5 | $725,000 | $145,000 | $345,000 | $110,000 | $150,000 |
| Other | 4 | $580,000 | $145,000 | $205,000 | $100,000 | $154,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $108,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $4,000 | $4,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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