Butte County, ID Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 122 mortgage applications in Butte County, ID totaling $15.7 million, up 16% from 2018. The average application was for $129,000, and applicants reported an average income of $76,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was Idaho Central Credit Union, with 17 applications, followed by Wells Fargo Bank NA and Frontier 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 | 122 |
| Total Mortgage Loan Application Amount | $15,740,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $821,000 |
* 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 |
* | $ 4,315,063,000 | 17 | $ 1,865,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 10 | $ 1,160,000 |
| Frontier Credit Union 865 S WOODRUFF AVE IDAHO FALLS, ID 83401 |
* | $ 292,276,000 | 8 | $ 650,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 68,745,745,000 | 5 | $ 1,035,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 5 | $ 655,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ 811,852,000 | 4 | $ 170,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 4 | $ 250,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 8,212,199,000 | 4 | $ 440,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 365,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 3 | $ 275,000 |
| Lookout Credit Union 707 S 9TH AVE POCATELLO, ID 83201 |
* | $ 235,284,000 | 2 | $ 180,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 241,136,000 | 2 | $ 290,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ 334,273,000 | 2 | $ 400,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 1,250,076,000 | 2 | $ 520,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 310,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ -1,000 | 2 | $ 200,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 2 | $ 180,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 2 | $ 630,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 2 | $ 300,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 210,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 684,352,000 | 1 | $ 135,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 45,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 135,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 155,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 435,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 55,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 135,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 265,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ 274,989,000 | 1 | $ 115,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 215,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 225,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 435,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 404,037,000 | 1 | $ 225,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 165,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 12,102,845,000 | 1 | $ 75,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 16,190,394,000 | 1 | $ 145,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 1 | $ 135,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 1 | $ 95,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 105,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 185,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 115,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 175,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2019 mortgage applications in Butte 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 Butte County, ID in 2019
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 | 63 | $9,635,000 | $152,000 | $485,000 | $84,000 | $821,000 |
| Cash-out Refinancing | 27 | $3,395,000 | $125,000 | $265,000 | $73,000 | $243,000 |
| Refinancing | 17 | $1,855,000 | $109,000 | $215,000 | $45,000 | $82,000 |
| Home Improvement | 10 | $700,000 | $70,000 | $135,000 | $84,000 | $193,000 |
| Other Purpose | 5 | $155,000 | $31,000 | $45,000 | $55,000 | $90,000 |
| 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 | 96 | $12,550,000 | $130,000 | $485,000 | $72,000 | $254,000 |
| Not Provided | 15 | $1,935,000 | $129,000 | $345,000 | $119,000 | $821,000 |
| Not applicable | 6 | $930,000 | $155,000 | $225,000 | $66,000 | $99,000 |
| Hispanic | 4 | $270,000 | $67,000 | $105,000 | $43,000 | $55,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $21,000 | $21,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 82 | $9,750,000 | $118,000 | $485,000 | $84,000 | $821,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,945,000 | $128,000 | $225,000 | $56,000 | $131,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,295,000 | $208,000 | $435,000 | $65,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $750,000 | $125,000 | $185,000 | $39,000 | $61,000 |
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 | 61 | $8,145,000 | $133,000 | $435,000 | $84,000 | $821,000 |
| Application Denied By Financial Institution | 23 | $1,855,000 | $80,000 | $195,000 | $62,000 | $212,000 |
| Application Approved But Not Accepted | 13 | $2,265,000 | $174,000 | $485,000 | $82,000 | $193,000 |
| Loan Purchased By The Institution | 10 | $1,670,000 | $167,000 | $415,000 | $64,000 | $113,000 |
| Application Withdrawn By Applicant | 9 | $805,000 | $89,000 | $205,000 | $57,000 | $108,000 |
| File Closed For Incompleteness | 5 | $895,000 | $179,000 | $435,000 | $81,000 | $146,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $21,000 | $21,000 |
| 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 | 95 | $13,055,000 | $137,000 | $485,000 | $79,000 | $821,000 |
| Credit History | 8 | $490,000 | $61,000 | $145,000 | $42,000 | $86,000 |
| Debt-To-Income Ratio | 8 | $1,130,000 | $141,000 | $415,000 | $87,000 | $212,000 |
| Collateral | 7 | $525,000 | $75,000 | $195,000 | $76,000 | $107,000 |
| Other | 2 | $210,000 | $105,000 | $155,000 | $48,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $54,000 | $54,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $32,000 | $32,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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