Boise County, ID Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 741 mortgage applications in Boise County, ID totaling $254.2 million, up 24% from 2024. The average application was for $342,000, and applicants reported an average income of $171,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was Idaho Central Credit Union, with 138 applications, followed by Mountain America Federal Credit Union and PennyMac Loan Services LLC.
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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 | 741 |
| Total Mortgage Loan Application Amount | $254,155,000 |
| Average Mortgage Loan Application Amount | $342,000 |
| Highest Mortgage Loan Application Amount | $1,765,000 |
| Average Applicant Income | $171,000 |
| Highest Applicant Income | $1,874,000 |
* 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 |
* | $ n/a | 138 | $ 37,350,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 40 | $ 7,830,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 32 | $ 15,040,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 30 | $ 13,610,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 24 | $ 6,110,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 24 | $ 9,870,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 17 | $ 6,595,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 15 | $ 4,325,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 15 | $ 7,015,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 15 | $ 3,655,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 15 | $ 6,015,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 14 | $ 4,540,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 12 | $ 4,790,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 10 | $ 4,070,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 9 | $ 4,345,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 9 | $ 3,525,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 9 | $ 3,775,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 8 | $ 1,480,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 8 | $ 2,960,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 3,680,000 |
| First Federal Savings Bank 303 SHOSHONE ST N TWIN FALLS, ID 83303 |
* | $ n/a | 7 | $ 3,055,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ n/a | 7 | $ 1,865,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 7 | $ 2,125,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 7 | $ 3,475,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 6 | $ 1,700,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 6 | $ 2,800,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 1,700,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ n/a | 5 | $ 855,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 1,145,000 |
| Capital Educators Fed CU PO BOX 570 (275 S STRATFORD DR) MERIDIAN, ID 83680 |
* | $ n/a | 5 | $ 1,125,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 5 | $ 1,215,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 455,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 3,365,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 735,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 1,745,000 |
| Pioneer Federal Credit Union 250 SOUTH 3RD WEST MOUNTAIN HOME, ID 83647 |
* | $ n/a | 4 | $ 1,290,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 4 | $ 930,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 4 | $ 1,080,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ n/a | 4 | $ 910,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 1,390,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 4 | $ 2,340,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ n/a | 3 | $ 775,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ n/a | 3 | $ 445,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 3 | $ 1,535,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 3 | $ 1,575,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 3 | $ 1,345,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 1,735,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 185,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ n/a | 3 | $ 115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 365,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 3 | $ 1,165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 1,275,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 745,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 995,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 615,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 1,055,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ n/a | 3 | $ 2,025,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 1,350,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 720,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 530,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 440,000 |
| Jmj Financial Group Inc. 26800 ALISO VIEJO PARKWAY STE 200 ALISO VIEJO, CA 92656 |
* | $ n/a | 2 | $ 830,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 430,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ n/a | 2 | $ 300,000 |
| Connections Credit Union 1150 NORTH 8TH AVENUE POCATELLO, ID 83201 |
* | $ n/a | 2 | $ 480,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 620,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 70,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 700,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 2 | $ 800,000 |
| Bluebird Home Loans LLC 616 SOUTH AMERICANA BLVD BOISE, ID 83702 |
* | $ n/a | 2 | $ 1,090,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 2 | $ 1,060,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 640,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 1,480,000 |
| Franklin Loan Corporation 44800 VILLAGE COURT PALM DESERT, CA 92260 |
* | $ n/a | 2 | $ 1,100,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 1,630,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 580,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 2 | $ 1,030,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 210,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ n/a | 2 | $ 430,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 690,000 |
| Oaktree Funding Corp 1298 WEST 7TH STREET CHANDLER, AZ 85226 |
* | $ n/a | 2 | $ 1,960,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ n/a | 2 | $ 460,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 375,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ n/a | 1 | $ 725,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 285,000 |
| Vellum Mortgage, Inc. 12700 FAIR LAKES CIR SUITE 400 FAIRFAX, VA 22033 |
* | $ n/a | 1 | $ 495,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 325,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 585,000 |
| Belem Servicing, LLC dba Patriot Home Mortgage 230 N 1680 E ST GEORGE, UT 84770 |
* | $ n/a | 1 | $ 535,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ n/a | 1 | $ 255,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 165,000 |
| Smartfi Home Loans SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 125,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ n/a | 1 | $ 25,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 475,000 |
| Nmsi, Inc. 3700 WILSHIRE BLVD. STE. 330 LOS ANGELES, CA 90010 |
* | $ n/a | 1 | $ 485,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ n/a | 1 | $ 855,000 |
| Resicentral LLC 700 LARKSPUR LANDING CIRCLE SUITE 199-18 LARKSPUR, CA 94939 |
* | $ n/a | 1 | $ 665,000 |
| Bellco Credit Union 7600 E. ORCHARD ROAD #400N GREENWOOD VILLAGE, CO 80111 |
* | $ n/a | 1 | $ 55,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 635,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 365,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 295,000 |
| Residential Mortgage, LLC 100 CALAIS DRIVE, SUITE 100 ANCHORAGE, AK 99503 |
* | $ n/a | 1 | $ 225,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ n/a | 1 | $ 375,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 595,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 285,000 |
| Technology Credit Union 2010 N FIRST ST, SUITE #200 SAN JOSE, CA 95131 |
* | $ n/a | 1 | $ 305,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 395,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ n/a | 1 | $ 55,000 |
| Saxton Mortgage, LLC 9191 TOWNE CENTRE DRIVE SUITE 400 SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 625,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 105,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 155,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 485,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ n/a | 1 | $ 385,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 525,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ n/a | 1 | $ 565,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 495,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ n/a | 1 | $ 365,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 1 | $ 545,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 605,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 585,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 85,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 665,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 425,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 655,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 925,000 |
| Cache Valley Bank 101 NORTH MAIN LOGAN, UT 84321 |
* | $ n/a | 1 | $ 435,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 1 | $ 735,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 305,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 515,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 1 | $ 805,000 |
The tables below break down 2025 mortgage applications in Boise 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 Boise 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 | 328 | $147,130,000 | $448,000 | $1,765,000 | $195,000 | $1,436,000 |
| Cash-out Refinancing | 155 | $41,545,000 | $268,000 | $1,155,000 | $139,000 | $1,874,000 |
| Refinancing | 107 | $45,215,000 | $422,000 | $1,265,000 | $204,000 | $1,300,000 |
| Home Improvement | 99 | $13,095,000 | $132,000 | $395,000 | $148,000 | $1,448,000 |
| Other Purpose | 52 | $7,170,000 | $137,000 | $755,000 | $113,000 | $636,000 |
| 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 | 530 | $173,900,000 | $328,000 | $1,765,000 | $175,000 | $1,874,000 |
| Not Provided | 105 | $37,555,000 | $357,000 | $1,265,000 | $160,000 | $502,000 |
| Not applicable | 75 | $32,055,000 | $427,000 | $1,355,000 | $152,000 | $657,000 |
| Hispanic | 19 | $6,745,000 | $355,000 | $1,205,000 | $151,000 | $281,000 |
| Black or African American | 5 | $1,685,000 | $337,000 | $855,000 | $107,000 | $279,000 |
| American Indian or Alaskan Native | 3 | $235,000 | $78,000 | $125,000 | $84,000 | $121,000 |
| Asian | 3 | $1,535,000 | $511,000 | $585,000 | $206,000 | $336,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $445,000 | $445,000 | $445,000 | $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) | 614 | $198,370,000 | $323,000 | $1,765,000 | $180,000 | $1,874,000 |
| VA-guaranteed (Veterans Administration) | 66 | $34,070,000 | $516,000 | $1,305,000 | $142,000 | $314,000 |
| FHA-insured (Federal Housing Administration) | 60 | $21,700,000 | $361,000 | $605,000 | $93,000 | $278,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $15,000 | $15,000 | $15,000 | $62,000 | $62,000 |
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 | 406 | $148,400,000 | $365,000 | $1,765,000 | $186,000 | $1,736,000 |
| Application Denied By Financial Institution | 114 | $21,810,000 | $191,000 | $735,000 | $98,000 | $369,000 |
| Application Withdrawn By Applicant | 89 | $34,175,000 | $383,000 | $1,305,000 | $201,000 | $1,874,000 |
| Loan Purchased By The Institution | 72 | $30,780,000 | $427,000 | $1,025,000 | $215,000 | $657,000 |
| Application Approved But Not Accepted | 33 | $10,555,000 | $319,000 | $995,000 | $148,000 | $513,000 |
| File Closed For Incompleteness | 27 | $8,435,000 | $312,000 | $1,155,000 | $156,000 | $775,000 |
| 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 | 618 | $228,990,000 | $370,000 | $1,765,000 | $186,000 | $1,874,000 |
| Debt-To-Income Ratio | 65 | $13,765,000 | $211,000 | $1,355,000 | $91,000 | $369,000 |
| Collateral | 21 | $4,455,000 | $212,000 | $565,000 | $137,000 | $323,000 |
| Credit History | 13 | $3,015,000 | $231,000 | $725,000 | $119,000 | $230,000 |
| Credit Application Incomplete | 11 | $2,015,000 | $183,000 | $675,000 | $88,000 | $186,000 |
| Other | 9 | $1,125,000 | $125,000 | $345,000 | $104,000 | $274,000 |
| Unverifiable Information | 3 | $595,000 | $198,000 | $285,000 | $56,000 | $115,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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