Clark County, ID Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 18 mortgage applications in Clark County, ID totaling $2.1 million, down 5% from 2022. The average application was for $116,000, and applicants reported an average income of $69,000. 50% of applications resulted in an originated loan and 11% were denied. The most active lender was Mountain America Federal Credit Union, with 4 applications, followed by Idaho Central 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 | 18 |
| Total Mortgage Loan Application Amount | $2,090,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $275,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $150,000 |
| 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 |
* | $ 15,840,363,000 | 4 | $ 100,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 9,744,391,000 | 3 | $ 325,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 230,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 1 | $ 245,000 |
| Frontier Credit Union 865 S WOODRUFF AVE IDAHO FALLS, ID 83401 |
* | $ 632,585,000 | 1 | $ 155,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 2,774,808,000 | 1 | $ 205,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 95,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 45,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 275,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2023 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 2023
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 | 8 | $1,360,000 | $170,000 | $275,000 | $62,000 | $90,000 |
| Cash-out Refinancing | 5 | $545,000 | $109,000 | $175,000 | $50,000 | $74,000 |
| Home Improvement | 3 | $55,000 | $18,000 | $25,000 | $98,000 | $150,000 |
| Refinancing | 2 | $130,000 | $65,000 | $95,000 | $94,000 | $150,000 |
| 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 | 13 | $1,355,000 | $104,000 | $275,000 | $67,000 | $150,000 |
| Not Provided | 2 | $240,000 | $120,000 | $125,000 | $57,000 | $74,000 |
| Hispanic | 2 | $400,000 | $200,000 | $245,000 | $88,000 | $90,000 |
| Not applicable | 1 | $95,000 | $95,000 | $95,000 | $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) | 15 | $1,565,000 | $104,000 | $275,000 | $68,000 | $150,000 |
| FHA-insured (Federal Housing Administration) | 3 | $525,000 | $175,000 | $245,000 | $72,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 9 | $1,285,000 | $142,000 | $275,000 | $56,000 | $90,000 |
| Application Withdrawn By Applicant | 3 | $365,000 | $121,000 | $205,000 | $81,000 | $150,000 |
| Application Approved But Not Accepted | 2 | $230,000 | $115,000 | $215,000 | $93,000 | $108,000 |
| Application Denied By Financial Institution | 2 | $60,000 | $30,000 | $45,000 | $92,000 | $150,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $50,000 | $50,000 |
| Loan Purchased By The Institution | 1 | $95,000 | $95,000 | $95,000 | $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 | 16 | $2,030,000 | $126,000 | $275,000 | $65,000 | $150,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $150,000 | $150,000 |
| Credit History | 1 | $45,000 | $45,000 | $45,000 | $35,000 | $35,000 |
| Debt-To-Income Ratio | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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