Clark County, ID Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 24 mortgage applications in Clark County, ID totaling $4.2 million, up 20% from 2020. The average application was for $173,000, and applicants reported an average income of $60,000. 54% of applications resulted in an originated loan and 8% were denied. The most active lender was Mountain America Federal Credit Union, with 3 applications, followed by Frontier Credit Union and The Bank of Commerce.
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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 | 24 |
| Total Mortgage Loan Application Amount | $4,170,000 |
| Average Mortgage Loan Application Amount | $173,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $103,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 9,348,808,000 | 3 | $ 285,000 |
| Frontier Credit Union 865 S WOODRUFF AVE IDAHO FALLS, ID 83401 |
* | $ 309,622,000 | 2 | $ 320,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 1,283,566,000 | 2 | $ 320,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 5,070,732,000 | 2 | $ 320,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ -1,000 | 1 | $ 265,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ 311,575,000 | 1 | $ 175,000 |
| Connections Credit Union 1150 NORTH 8TH AVENUE POCATELLO, ID 83201 |
* | $ 180,179,000 | 1 | $ 265,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 265,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 1 | $ 145,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 85,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ 869,311,000 | 1 | $ 125,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 285,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 85,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 245,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 65,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 235,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 69,171,552,000 | 1 | $ 505,000 |
The tables below break down 2021 mortgage applications in Clark 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 Clark County, ID in 2021
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 | 11 | $2,265,000 | $205,000 | $285,000 | $68,000 | $103,000 |
| Cash-out Refinancing | 7 | $805,000 | $115,000 | $205,000 | $48,000 | $68,000 |
| Refinancing | 6 | $1,100,000 | $183,000 | $505,000 | $61,000 | $90,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 18 | $3,280,000 | $182,000 | $505,000 | $64,000 | $103,000 |
| Not Provided | 3 | $465,000 | $155,000 | $285,000 | $50,000 | $62,000 |
| Hispanic | 2 | $160,000 | $80,000 | $95,000 | $44,000 | $66,000 |
| Not applicable | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 19 | $3,035,000 | $159,000 | $505,000 | $63,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $705,000 | $235,000 | $265,000 | $47,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 1 | $285,000 | $285,000 | $285,000 | $62,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 1 | $145,000 | $145,000 | $145,000 | $32,000 | $32,000 |
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 | 13 | $2,315,000 | $178,000 | $285,000 | $56,000 | $103,000 |
| Application Withdrawn By Applicant | 5 | $505,000 | $101,000 | $125,000 | $71,000 | $95,000 |
| File Closed For Incompleteness | 2 | $280,000 | $140,000 | $195,000 | $76,000 | $83,000 |
| Application Denied By Financial Institution | 2 | $300,000 | $150,000 | $235,000 | $29,000 | $35,000 |
| Application Approved But Not Accepted | 1 | $505,000 | $505,000 | $505,000 | $90,000 | $90,000 |
| Loan Purchased By The Institution | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
| 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 | 20 | $3,550,000 | $177,000 | $505,000 | $61,000 | $103,000 |
| Debt-To-Income Ratio | 2 | $320,000 | $160,000 | $195,000 | $82,000 | $95,000 |
| Other | 1 | $235,000 | $235,000 | $235,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $23,000 | $23,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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