Clearwater County, ID Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 386 mortgage applications in Clearwater County, ID totaling $84.2 million, up 35% from 2024. The average application was for $218,000, and applicants reported an average income of $109,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was Potlatch No 1 Financial Credit U, with 48 applications, followed by Idaho Central Credit Union and Freedom Northwest 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 | 386 |
| Total Mortgage Loan Application Amount | $84,230,000 |
| Average Mortgage Loan Application Amount | $218,000 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $1,770,000 |
* 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 |
|---|---|---|---|---|
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ n/a | 48 | $ 10,200,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ n/a | 34 | $ 7,490,000 |
| Freedom Northwest Credit Union 303 MAIN ST KAMIAH, ID 83536 |
* | $ n/a | 33 | $ 5,795,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 16 | $ 3,150,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 14 | $ 4,140,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 13 | $ 2,785,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ n/a | 12 | $ 1,200,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 10 | $ 3,570,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 10 | $ 2,400,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 8 | $ 710,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 8 | $ 2,990,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 8 | $ 1,460,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 8 | $ 2,210,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 7 | $ 1,015,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 6 | $ 1,630,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 485,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 815,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 1,125,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 4 | $ 680,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 1,300,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ n/a | 4 | $ 410,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 180,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 950,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 790,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 965,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 1,005,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 315,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 1,185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 330,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 700,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 420,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 300,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 2 | $ 430,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 150,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 2 | $ 350,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 220,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 2 | $ 850,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 2 | $ 340,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 2 | $ 260,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 350,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 2 | $ 670,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 540,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 400,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 410,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 210,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 440,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 35,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ n/a | 1 | $ 195,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 245,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ n/a | 1 | $ 285,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 185,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 265,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 325,000 |
| Rogue Credit Union 1370 CENTER DRIVE MEDFORD, OR 97501 |
* | $ n/a | 1 | $ 355,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 355,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 75,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ n/a | 1 | $ 135,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ n/a | 1 | $ 35,000 |
| Spokane Teachers Credit Union 1620 N SIGNAL DR LIBERTY LAKE, WA 99019 |
* | $ n/a | 1 | $ 155,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 175,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 1 | $ 235,000 |
| Credence Funding Corporation 1200 TECHNOLOGY DR SUITE A ABERDEEN, MD 21001 |
* | $ n/a | 1 | $ 385,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 145,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 275,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 495,000 |
| Pioneer Federal Credit Union 250 SOUTH 3RD WEST MOUNTAIN HOME, ID 83647 |
* | $ n/a | 1 | $ 25,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 35,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 215,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 155,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 375,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 1 | $ 605,000 |
| My Move Mortgage, LLC MY MOVE MORTGAGE, LLC SANDY, UT 84070 |
* | $ n/a | 1 | $ 625,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 195,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 225,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 45,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 135,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 625,000 |
| Sammamish Mortgage Company 3015 112TH AVE NE STE 214 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 485,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 265,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 405,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 415,000 |
The tables below break down 2025 mortgage applications in Clearwater 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 Clearwater 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 | 143 | $35,505,000 | $248,000 | $975,000 | $116,000 | $1,770,000 |
| Cash-out Refinancing | 107 | $22,215,000 | $207,000 | $615,000 | $102,000 | $626,000 |
| Refinancing | 57 | $17,665,000 | $309,000 | $705,000 | $107,000 | $591,000 |
| Other Purpose | 48 | $6,190,000 | $128,000 | $505,000 | $106,000 | $349,000 |
| Home Improvement | 31 | $2,655,000 | $85,000 | $395,000 | $105,000 | $900,000 |
| 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 | 302 | $64,880,000 | $214,000 | $975,000 | $113,000 | $1,770,000 |
| Not Provided | 46 | $11,090,000 | $241,000 | $615,000 | $103,000 | $591,000 |
| Hispanic | 13 | $2,235,000 | $171,000 | $355,000 | $72,000 | $122,000 |
| Not applicable | 11 | $3,415,000 | $310,000 | $625,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $1,290,000 | $129,000 | $255,000 | $55,000 | $182,000 |
| Asian | 3 | $695,000 | $231,000 | $315,000 | $125,000 | $242,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $625,000 | $625,000 | $625,000 | $118,000 | $118,000 |
| 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) | 279 | $54,515,000 | $195,000 | $975,000 | $116,000 | $1,770,000 |
| VA-guaranteed (Veterans Administration) | 57 | $18,515,000 | $324,000 | $615,000 | $95,000 | $229,000 |
| FHA-insured (Federal Housing Administration) | 48 | $10,670,000 | $222,000 | $405,000 | $73,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $530,000 | $265,000 | $265,000 | $101,000 | $101,000 |
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 | 200 | $43,720,000 | $218,000 | $765,000 | $117,000 | $1,770,000 |
| Application Denied By Financial Institution | 74 | $12,750,000 | $172,000 | $975,000 | $85,000 | $900,000 |
| Application Withdrawn By Applicant | 64 | $16,380,000 | $255,000 | $515,000 | $118,000 | $626,000 |
| Application Approved But Not Accepted | 19 | $4,805,000 | $252,000 | $615,000 | $83,000 | $178,000 |
| File Closed For Incompleteness | 18 | $3,160,000 | $175,000 | $515,000 | $99,000 | $280,000 |
| Loan Purchased By The Institution | 11 | $3,415,000 | $310,000 | $625,000 | $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 | 279 | $65,685,000 | $235,000 | $765,000 | $115,000 | $1,770,000 |
| Debt-To-Income Ratio | 57 | $10,045,000 | $176,000 | $705,000 | $89,000 | $273,000 |
| Collateral | 23 | $5,075,000 | $220,000 | $975,000 | $101,000 | $213,000 |
| Credit History | 17 | $1,695,000 | $99,000 | $305,000 | $108,000 | $900,000 |
| Other | 6 | $760,000 | $126,000 | $265,000 | $78,000 | $129,000 |
| Credit Application Incomplete | 3 | $845,000 | $281,000 | $405,000 | $89,000 | $105,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $57,000 | $57,000 |
| 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 |
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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