Bingham County, ID Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 2,197 mortgage applications in Bingham County, ID totaling $321.2 million, up 20% from 2017. The average application was for $146,000, and applicants reported an average income of $77,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Idaho Central Credit Union, with 462 applications, followed by Westmark Credit Union 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 | 2,197 |
| Total Mortgage Loan Application Amount | $321,175,000 |
| Average Mortgage Loan Application Amount | $146,000 |
| Highest Mortgage Loan Application Amount | $1,845,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,202,000 |
* 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 |
|---|---|---|---|---|
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 3,538,146,000 | 462 | $ 56,070,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ 737,825,000 | 148 | $ 11,770,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 94 | $ 12,450,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 94 | $ 16,560,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 66,080,511,000 | 81 | $ 10,495,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 7,093,314,000 | 70 | $ 7,310,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 68 | $ 7,200,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 67 | $ 9,595,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,652,147,000 | 62 | $ 15,660,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 62 | $ 9,440,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 43 | $ 10,485,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 371,191,000 | 42 | $ 7,700,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 39 | $ 5,485,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 36 | $ 4,810,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 32 | $ 5,450,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 1,168,426,000 | 29 | $ 6,315,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ 321,538,000 | 28 | $ 5,130,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 27 | $ 5,735,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 15,585,466,000 | 27 | $ 4,685,000 |
| First Utah Bank 3826 S 2300 E SALT LAKE CITY, UT 84109 |
* | $ 336,360,000 | 25 | $ 4,125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 23 | $ 4,155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 21 | $ 3,485,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 20 | $ 3,020,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 18 | $ 1,830,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 18 | $ 2,150,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 18 | $ 2,650,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 18 | $ 2,240,000 |
| Lookout Credit Union 707 S 9TH AVE POCATELLO, ID 83201 |
* | $ 231,265,000 | 17 | $ 2,095,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 16 | $ 2,680,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 15 | $ 3,395,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 14 | $ 2,620,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 1,461,853,000 | 13 | $ 1,965,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 13 | $ 2,175,000 |
| Advantage Plus FCU 2133 E CENTER ST. POCATELLO, ID 83201 |
* | $ 137,217,000 | 13 | $ 2,095,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 12 | $ 640,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 11 | $ 1,605,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 10 | $ 1,710,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 10 | $ 1,880,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 10 | $ 1,480,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,705,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 515,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 8 | $ 1,350,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 8 | $ 1,950,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 8 | $ 1,250,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 7 | $ 1,275,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ 252,764,000 | 7 | $ 1,265,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 7 | $ 465,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 7 | $ 1,255,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 465,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 7 | $ 1,115,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 620,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 6 | $ 740,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 1,005,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 5 | $ 1,095,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 5 | $ 945,000 |
| Frontier Credit Union 865 S WOODRUFF AVE IDAHO FALLS, ID 83401 |
* | $ 273,696,000 | 5 | $ 725,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 5 | $ 195,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 5 | $ 495,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 5 | $ 935,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 5 | $ 965,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 4 | $ 470,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 680,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 4 | $ 470,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 840,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 300,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 4 | $ 890,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 4 | $ 1,070,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 4 | $ 270,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 590,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 4 | $ 370,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ -1,000 | 4 | $ 450,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 135,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 3 | $ 245,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ -1,000 | 3 | $ 425,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 445,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 355,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 3 | $ 635,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 3 | $ 555,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 3 | $ 565,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 745,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 27,823,771,000 | 3 | $ 565,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 3 | $ 655,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 235,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 2 | $ 250,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 945,013,000 | 2 | $ 410,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 2 | $ 360,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 200,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 2 | $ 320,000 |
| First Federal Savings Bank 303 SHOSHONE ST N TWIN FALLS, ID 83303 |
* | $ 617,711,000 | 2 | $ 320,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 270,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 1,210,221,000 | 2 | $ 650,000 |
| Rails West FCU 4708 YELLOWSTONE AVENUE CHUBBUCK, ID 83202 |
* | $ 58,081,000 | 2 | $ 30,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 2 | $ 680,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 2 | $ 360,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 340,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 500,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 320,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 2 | $ 260,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 390,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 290,000 |
| Connections Credit Union 1150 NORTH 8TH AVENUE POCATELLO, ID 83201 |
* | $ 154,773,000 | 2 | $ 250,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 2 | $ 520,000 |
| Readycap Commercial LLC BERKELEYN++HEIGHTS, NJ 07922 |
* | $ -1,000 | 1 | $ 1,845,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ -1,000 | 1 | $ 105,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 165,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 75,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 640,768,000 | 1 | $ 115,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 827,634,000 | 1 | $ 285,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 165,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 205,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 1,423,898,000 | 1 | $ 195,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 225,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 1 | $ 35,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 75,000 |
| Prime Choice Funding Inc. 17852 17TH ST #107 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 295,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 1 | $ 85,000 |
| Wasatch Peaks Federal Credit Union 4723 HARRISON BLVD OGDEN, UT 84403 |
* | $ 309,189,000 | 1 | $ 35,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 135,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 145,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 1 | $ 175,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 6,700,442,000 | 1 | $ 95,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 5,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 195,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 235,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 55,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 355,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 2,764,317,000 | 1 | $ 195,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 53,495,452,000 | 1 | $ 565,000 |
| Bank 34 500 EAST TENTH STREET ALAMOGORDO, NM 88310 |
* | $ 335,906,000 | 1 | $ 175,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,020,511,000 | 1 | $ 35,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 105,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 7,826,243,000 | 1 | $ 705,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 8,908,994,000 | 1 | $ 215,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 145,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 175,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 1 | $ 215,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 651,388,000 | 1 | $ 25,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 375,000 |
The tables below break down 2018 mortgage applications in Bingham 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 Bingham County, ID in 2018
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 | 1,055 | $183,005,000 | $173,000 | $1,425,000 | $73,000 | $1,202,000 |
| Cash-out Refinancing | 392 | $61,490,000 | $156,000 | $725,000 | $76,000 | $972,000 |
| Refinancing | 323 | $47,615,000 | $147,000 | $875,000 | $74,000 | $665,000 |
| Home Improvement | 265 | $15,405,000 | $58,000 | $705,000 | $84,000 | $400,000 |
| Other Purpose | 137 | $9,515,000 | $69,000 | $365,000 | $95,000 | $1,049,000 |
| Not Applicable | 25 | $4,145,000 | $165,000 | $1,845,000 | $73,000 | $104,000 |
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 | 1,687 | $244,375,000 | $144,000 | $1,425,000 | $79,000 | $1,202,000 |
| Hispanic | 172 | $18,320,000 | $106,000 | $405,000 | $57,000 | $219,000 |
| Not applicable | 164 | $31,850,000 | $194,000 | $1,845,000 | $93,000 | $161,000 |
| Not Provided | 145 | $22,745,000 | $156,000 | $725,000 | $78,000 | $283,000 |
| American Indian or Alaskan Native | 15 | $1,415,000 | $94,000 | $235,000 | $58,000 | $128,000 |
| Asian | 10 | $1,880,000 | $188,000 | $325,000 | $80,000 | $200,000 |
| Black or African American | 2 | $70,000 | $35,000 | $55,000 | $80,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $265,000 | $265,000 | $265,000 | $203,000 | $203,000 |
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) | 1,547 | $214,335,000 | $138,000 | $1,845,000 | $83,000 | $1,202,000 |
| FHA-insured (Federal Housing Administration) | 379 | $57,665,000 | $152,000 | $325,000 | $58,000 | $203,000 |
| VA-guaranteed (Veterans Administration) | 151 | $31,045,000 | $205,000 | $505,000 | $69,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 120 | $18,130,000 | $151,000 | $295,000 | $55,000 | $492,000 |
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 | 1,222 | $177,740,000 | $145,000 | $1,425,000 | $78,000 | $972,000 |
| Application Denied By Financial Institution | 348 | $41,260,000 | $118,000 | $1,005,000 | $71,000 | $1,049,000 |
| Loan Purchased By The Institution | 242 | $45,170,000 | $186,000 | $565,000 | $93,000 | $676,000 |
| Application Withdrawn By Applicant | 200 | $28,800,000 | $144,000 | $535,000 | $68,000 | $218,000 |
| Application Approved But Not Accepted | 128 | $19,800,000 | $154,000 | $1,845,000 | $85,000 | $1,202,000 |
| File Closed For Incompleteness | 56 | $8,110,000 | $144,000 | $365,000 | $71,000 | $162,000 |
| Preapproval Approved but not Accepted | 1 | $295,000 | $295,000 | $295,000 | $70,000 | $70,000 |
| 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 | 1,818 | $273,450,000 | $150,000 | $1,845,000 | $78,000 | $1,202,000 |
| Debt-To-Income Ratio | 111 | $16,685,000 | $150,000 | $1,425,000 | $51,000 | $146,000 |
| Credit History | 105 | $10,745,000 | $102,000 | $325,000 | $68,000 | $632,000 |
| Collateral | 81 | $9,685,000 | $119,000 | $1,005,000 | $98,000 | $1,049,000 |
| Other | 30 | $3,720,000 | $124,000 | $365,000 | $66,000 | $160,000 |
| Credit Application Incomplete | 26 | $3,280,000 | $126,000 | $265,000 | $61,000 | $247,000 |
| Unverifiable Information | 20 | $2,650,000 | $132,000 | $555,000 | $82,000 | $342,000 |
| Employment History | 4 | $710,000 | $177,000 | $245,000 | $65,000 | $185,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $250,000 | $125,000 | $175,000 | $119,000 | $189,000 |
| 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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