Clearwater County, ID Mortgage Lenders & HMDA Data, 2005

In 2005, lenders reported 628 mortgage applications in Clearwater County, ID totaling $55.3 million, up 6% from 2004. The average application was for $88,000, and applicants reported an average income of $49,000. 41% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank, NA, with 67 applications, followed by National City Bank of Indiana and Beneficial Company 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 628
Total Mortgage Loan Application Amount $55,342,000
Average Mortgage Loan Application Amount $88,000
Highest Mortgage Loan Application Amount $575,000
Average Applicant Income $49,000
Highest Applicant Income $350,000

Mortgage Company List for Lending in Clearwater County, ID for 2005

* 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
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 366,256,000,000 67 $ 6,384,000
National City Bank of Indiana
1900 EAST NINTH
CLEVELAND, OH 44114
* $ 28,456,701,000 56 $ 5,250,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 500,990,000 45 $ 2,714,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 128,495,705,000 44 $ 4,561,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 3,414,446,000 44 $ 2,777,000
Americanwest Bank
P O BOX 105
CHEWELAH, WA 99109
* $ 1,048,144,000 35 $ 3,171,000
Wells Fargo Fin'l Idaho, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 139,017,000 30 $ 2,690,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 18 $ 2,072,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 194,436,638,000 16 $ 2,445,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 14 $ 1,308,000
Option One Mortgage Corp
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 12 $ 952,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 967,365,000,000 11 $ 759,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ 178,077,000 10 $ 978,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 9 $ 590,000
Argent Mortgage Company
1100 TOWN & COUNTRY
ORANGE, CA 92868
* $ 10,000,000 9 $ 848,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,484,101,000,000 9 $ 321,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 7 $ 830,000
Wealthbridge Mortgage Corp.
15455 NW GREENBRIER PKWY, STE. 111
BEAVERTON, OR 97006
* $ 10,000,000 7 $ 670,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 7 $ 486,000
Zions First National Bank
ONE S MAIN ST 11TH FL
SALT LAKE CITY, UT 84133
* $ 11,919,777,000 7 $ 707,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 6 $ 290,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 2,892,122,000 5 $ 495,000
Home123 Corporation
3351 MICHELSON DRIVE, SUITE 400
IRVINE, CA 92612
* $ 10,000,000 5 $ 1,171,000
Montana Mortgage Company
PO BOX 1917
KALISPELL, MT 59903
* $ 31,000,000 5 $ 366,000
Homeowners Loan Corporation
4501 CIRCLE 75 PARKWAY, SUITE D-4300
ATLANTA, GA 30339
* $ 1,840,459,615,000 5 $ 425,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 13,102,536,000 4 $ 387,000
BNC Mortgage
745 SEVENTH AVENUE, 24TH FLOOR
NEW YORK, NY 10019
* $ 2,500,000,000 4 $ 347,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 4 $ 307,000
Citimortgage, Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 59,720,267,000 4 $ 379,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 49,210,377,000 4 $ 390,000
Countrywide Bank, N.A.
35 NORTH LAKE, MS 35-148
PASADENA, CA 91101
* $ 40,963,356,000 4 $ 272,000
First Horizon Home Loan Corp
4000 HORIZON WAY
IRVING, TX 75063
* $ 1,446,000,000 4 $ 389,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 4 $ 109,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 366,000
Sterling Savings Bank
111 N WALL ST
SPOKANE, WA 99201
* $ 6,942,224,000 3 $ 89,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 417,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 3 $ 192,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 88,743,171,000 3 $ 237,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 32,424,600,000 3 $ 344,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 3 $ 245,000
First Nlc Financial Services,
4680 CONFERENCE WAY SOUTH
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 374,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 3 $ 231,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 2 $ 152,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 19,456,642,000 2 $ 30,000
Greenpoint Mortgage Funding
4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD
CHARLOTTE, NC 28217
* $ 6,677,533,000 2 $ 126,000
H&R Block Mortgage Corporation
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 2 $ 159,000
Frontier Investment Co.
1200 EXECUTIVE PARKWAY SUITE 430
EUGENE, OR 97401
* $ 10,000,000 2 $ 353,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 2 $ 143,000
Aegis Lending Corporation
3250 BRIARPARK DR SUITE 400
HOUSTON, TX 77042
* $ 10,000,000 2 $ 130,000
E-Loan, Inc.
6230 STONERIDGE MALL ROAD
PLEASANTON, CA 94588
* $ 10,000,000 2 $ 128,000
Equity One
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 19,257,000,000 2 $ 185,000
Finance America
745 SEVENTH AVENUE, 24TH FLOOR
NEW YORK, NY 10019
* $ 250,000,000 2 $ 98,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 8,712,809,000 2 $ 226,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 272,927,502,000 2 $ 242,000
Webster Bank, N.A.
145 BANK ST
WATERBURY, CT 06702
* $ 16,802,248,000 2 $ 231,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 16,675,614,000 2 $ 179,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 15,675,394,000 2 $ 162,000
Twin River National Bank
900 5TH ST
CLARKSTON, WA 99403
* $ 56,494,000 2 $ 104,000
Sirva Mortgage, Inc.
6070 PARKLAND BLVD.
MAYFIELD HEIGHTS, OH 44124
* $ 10,000,000 2 $ 238,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 2 $ 95,000
Progressive Lending, LLC
605 E. HOLLAND AVE, SUITE 204
SPOKANE, WA 99218
* $ 10,000,000 2 $ 139,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 49,210,377,000 2 $ 88,000
Millennia Mortgage Corporation
9891 IRVINE CENTER DRIVE, STE. 200
IRVINE, CA 92618
* $ 10,000,000 2 $ 80,000
Ownit Mortgage Solutions, Inc
27349 AGOURA RD # 100
AGOURA HILLS, CA 91301
* $ 10,000,000 2 $ 76,000
People's Choice Financial Corp
7515 IRVINE CENTER DR.
IRVINE, CA 92618
* $ 10,000,000 2 $ 167,000
Moneyline Lending Services
15420 LAGUNA CANYON RD. STE. 100
IRVINE, CA 92618
* $ 10,000,000 1 $ 146,000
Platinum Community Bank
2915 KIRCHOFF RD
ROLLING MEADOWS, IL 60008
* $ 123,087,000 1 $ 112,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 10,353,821,000 1 $ 15,000
The Lending Connection, Inc
5901 WARNER AVE #478
HUNTINGTON BEACH, CA 92649
* $ 10,000,000 1 $ 134,000
Thornburg Mortgage Home Loan
2300 NORTH RIDGETOP ROAD
SANTA FE, NM 87506
* $ 10,000,000 1 $ 84,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 1,056,035,000 1 $ 106,000
First Mutual Bank
400 108TH AVE NE
BELLEVUE, WA 98004
* $ 1,002,754,000 1 $ 117,000
CU Factory Built Lending, LP
6061 IH-10 WEST
SAN ANTONIO, TX 78201
* $ 1,761,607,000 1 $ 13,000
Admirals Bank Former Domestic
815 RESERVOIR AVE
CRANSTON, RI 02910
* $ 211,300,000 1 $ 25,000
Corinthian Mortgage Corp
5750 W 95TH STREET, SUITE 155
OVERLAND PARK, KS 66207
* $ 341,661,000 1 $ 55,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 78,000
Aig Federal Savings Bank
600 N KING STREET, SUITE 2
WILMINGTON, DE 19801
* $ 1,663,205,000 1 $ 100,000
AMC Mortgage Services, Inc.
1100 TOWN & COUNTRY ROAD, SUITE 1100
IRVINE, CA 92868
* $ 10,000,000 1 $ 70,000
American Home Mortgage Corp.
538 BROADHOLLOW RD
MELVILLE, NY 11747
* $ 10,000,000 1 $ 104,000
American Mortgage Express
10251 VISTA SORRENTO PARKWAY
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 46,000
Action Mortgage Company
111 N WALL
SPOKANE, WA 99201
* $ 7,000,000,000 1 $ 200,000
Aegis Funding Corporation
3250 BRIARPARK DR SUITE 400
HOUSTON, TX 77042
* $ 10,000,000 1 $ 77,000
Calusa Investments, L.L.C.
P.O. BOX 710840
HERNDON, VA 20171
* $ 10,000,000 1 $ 151,000
Allen Mortgage, LLC
P.O. BOX 1168
CENTENNIAL PARK, AZ 86021
* $ 10,000,000 1 $ 55,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 771,618,758,000 1 $ 42,000
Amtrust Bank
1801 E. 9TH ST #200
CLEVELAND, OH 44114
* $ 13,770,188,000 1 $ 172,000
Gateway Bank, FSB
2336 MERCED STREET
SAN LEANDRO, CA 94577
* $ 341,027,000 1 $ 79,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 7,000,000,000 1 $ 53,000
Gmac Bank
4 WALNUT GROVE
HORSHAM, PA 19044
* $ 3,880,165,000 1 $ 43,000
Gb Mortgage, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 29,183,000 1 $ 104,000
Greenlight Financial Services
18200 VON KARMAN STE #300
IRVINE, CA 92612
* $ 10,000,000 1 $ 50,000
Harris N.A.
111 W. MONROE
CHICAGO, IL 60603
* $ 525,452,000 1 $ 99,000
Hfc Company LLC
140 INDUSTRIAL DRIVE
ELMHURST, IL 60126
* $ 97,714,234,000 1 $ 16,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 206,000
Guaranty Bank, FSB
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,896,750,000 1 $ 104,000
Loancity
5671 SANTA TERESA BOULEVARD
SAN JOSE, CA 95123
* $ 10,000,000 1 $ 127,000
Mariners Capital, Inc
500 SUPERIOR AVE SUITE 120
NEWPORT BEACH, CA 92663
* $ 2,366,000 1 $ 25,000
Mbna America Delaware, N.A.
200 N COLLEGE ST NC1-004-04-13
CHARLOTTE, NC 28255
* $ 3,919,502,000 1 $ 72,000
Merrill Lynch Mortgage Lending
4 WORLD FINANCIAL CENTER, 12TH FLOOR
NEW YORK, NY 10280
* $ 19,717,040,000 1 $ 20,000
HSBC Mortgage Services, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 18,823,411,000 1 $ 24,000
Impac Funding Corp
19500 JAMBOREE ROAD
IRVINE, CA 92612
* $ 10,000,000 1 $ 95,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 43,000
Mortgage It Inc
60 WALL ST
NEW YORK, NY 10005
* $ 10,000,000 1 $ 106,000
Mountain West Bank
P O BOX 1059
COEUR D'ALENE, ID 83816
* $ 629,205,000 1 $ 208,000

The tables below break down 2005 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 2005

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
Refinancing 364 $33,655,000 $92,000 $575,000 $46,000 $350,000
Home Purchase 202 $18,165,000 $89,000 $370,000 $54,000 $278,000
Home Improvement 62 $3,522,000 $56,000 $266,000 $51,000 $150,000

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 536 $45,964,000 $85,000 $416,000 $50,000 $350,000
Not Provided 58 $6,811,000 $117,000 $575,000 $59,000 $245,000
Not applicable 22 $1,823,000 $82,000 $219,000 $4,000 $52,000
Hispanic 10 $638,000 $63,000 $200,000 $44,000 $100,000
American Indian or Alaskan Native 1 $64,000 $64,000 $64,000 $20,000 $20,000
Asian 1 $42,000 $42,000 $42,000 $16,000 $16,000
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) 586 $51,711,000 $88,000 $575,000 $51,000 $350,000
FHA-insured (Federal Housing Administration) 31 $2,865,000 $92,000 $165,000 $42,000 $220,000
VA-guaranteed (Veterans Administration) 10 $726,000 $72,000 $130,000 $20,000 $53,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $40,000 $40,000 $40,000 $37,000 $37,000

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 260 $23,529,000 $90,000 $370,000 $56,000 $278,000
Application Denied By Financial Institution 161 $11,719,000 $72,000 $266,000 $46,000 $350,000
Application Withdrawn By Applicant 89 $9,505,000 $106,000 $575,000 $57,000 $245,000
Loan Purchased By The Institution 66 $6,133,000 $92,000 $226,000 $29,000 $278,000
Application Approved But Not Accepted 40 $3,231,000 $80,000 $200,000 $50,000 $125,000
File Closed For Incompleteness 12 $1,225,000 $102,000 $176,000 $59,000 $175,000
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
Credit History 26 $1,611,000 $61,000 $146,000 $52,000 $166,000
Other 22 $2,481,000 $112,000 $256,000 $65,000 $164,000
Collateral 20 $1,427,000 $71,000 $206,000 $48,000 $108,000
Debt-To-Income Ratio 10 $675,000 $67,000 $112,000 $23,000 $41,000
Credit Application Incomplete 8 $709,000 $88,000 $158,000 $53,000 $80,000
Employment History 2 $114,000 $57,000 $60,000 $39,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 1 $134,000 $134,000 $134,000 $60,000 $60,000
Unverifiable Information 1 $113,000 $113,000 $113,000 $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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