Clearwater County, ID Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 480 mortgage applications in Clearwater County, ID totaling $66.5 million, up 22% from 2008. The average application was for $138,000, and applicants reported an average income of $61,000. 52% of applications resulted in an originated loan and 23% were denied. The most active lender was US Bank North Dakota, with 96 applications, followed by Potlatch No 1 Financial Credit U and Wells Fargo Bank, NA.
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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 | 480 |
| Total Mortgage Loan Application Amount | $66,469,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $419,000 |
* 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 |
|---|---|---|---|---|
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 96 | $ 10,416,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 363,691,000 | 71 | $ 9,787,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 64 | $ 10,341,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 45 | $ 6,614,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 25 | $ 3,907,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 1,871,834,000 | 22 | $ 3,548,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 19 | $ 2,639,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,530,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 9 | $ 1,234,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 9 | $ 1,216,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 1,190,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 6 | $ 741,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 12,264,416,000 | 5 | $ 797,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 5 | $ 430,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 4 | $ 859,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 388,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 4 | $ 410,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 480,000 |
| Golf Savings Bank 6505 218TH ST SW SUITE 6 MOUNTLAKE TERRACE, WA 98043 |
* | $ 519,651,000 | 3 | $ 722,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 320,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 180,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 94,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 4,396,379,000 | 2 | $ 209,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 2 | $ 171,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 304,000 |
| Mountain West Bank P O BOX 1059 COEUR D'ALENE, ID 83816 |
* | $ 1,228,335,000 | 2 | $ 198,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 233,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 177,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 252,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 328,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 104,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ 1,391,952,000 | 2 | $ 508,000 |
| Horizon Nw Home Mortgage 13224 E MANSFIELD AVE, STE 110 SPOKANE VALLEY, WA 99216 |
* | $ 360,928,000 | 2 | $ 266,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 2 | $ 225,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 348,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 114,000 |
| American Mortgage Specialists 16100 N GREENWAY HAYDEN LOOP STE 108 SCOTTSDALE, AZ 85260 |
* | $ 38,791,000 | 1 | $ 128,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 1 | $ 154,000 |
| Sunset Mortgage Co 16101 SW 72ND AVE STE 200 PORTLAND, OR 97224 |
* | $ 11,000,000 | 1 | $ 93,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Unitus Community Credit Union 7632 SW DURHAM RD TIGARD, OR 97224 |
* | $ 728,522,000 | 1 | $ 124,000 |
| Pacific Service Credit Union 3000 CLAYTON ROAD CONCORD, CA 94520 |
* | $ 1,040,706,000 | 1 | $ 200,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 399,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 1 | $ 268,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 85,000 |
| Paramount Mortgage Company 347 N. LINDBERGH BLVD. ST. LOUIS, MO 63141 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Syringa Bank 1299 N ORCHARD ST. BOISE, ID 83706 |
* | $ 289,637,000 | 1 | $ 60,000 |
| Seattle Bank 600 UNIVERSITY STREET SUITE 1850 SEATTLE, WA 98101 |
* | $ 665,426,000 | 1 | $ 180,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 4,084,953,000 | 1 | $ 179,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 68,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 268,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 135,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 78,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,629,217,000 | 1 | $ 268,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 114,000 |
| Twin River National Bank 900 5TH ST CLARKSTON, WA 99403 |
* | $ 52,157,000 | 1 | $ 16,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 258,044,000 | 1 | $ 142,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 20,778,268,000 | 1 | $ 44,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 272,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 198,000 |
| Kba Mortgage, LLC 6400 LEGACY DRIVE PLANO, TX 75024 |
* | $ 2,223,299,000 | 1 | $ 75,000 |
The tables below break down 2009 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 2009
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 | 380 | $54,561,000 | $143,000 | $417,000 | $62,000 | $350,000 |
| Home Purchase | 67 | $9,197,000 | $137,000 | $374,000 | $61,000 | $419,000 |
| Home Improvement | 33 | $2,711,000 | $82,000 | $300,000 | $55,000 | $225,000 |
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 | 413 | $56,423,000 | $136,000 | $417,000 | $62,000 | $419,000 |
| Not Provided | 34 | $4,995,000 | $146,000 | $412,000 | $70,000 | $350,000 |
| Not applicable | 20 | $3,315,000 | $165,000 | $399,000 | $29,000 | $115,000 |
| Hispanic | 10 | $1,324,000 | $132,000 | $268,000 | $59,000 | $127,000 |
| American Indian or Alaskan Native | 3 | $412,000 | $137,000 | $200,000 | $48,000 | $86,000 |
| 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) | 368 | $50,157,000 | $136,000 | $417,000 | $67,000 | $419,000 |
| FHA-insured (Federal Housing Administration) | 101 | $14,760,000 | $146,000 | $272,000 | $40,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,409,000 | $140,000 | $225,000 | $45,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $143,000 | $143,000 | $143,000 | $73,000 | $73,000 |
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 | 251 | $34,361,000 | $136,000 | $417,000 | $64,000 | $419,000 |
| Application Denied By Financial Institution | 109 | $14,223,000 | $130,000 | $417,000 | $67,000 | $225,000 |
| Application Withdrawn By Applicant | 46 | $6,195,000 | $134,000 | $299,000 | $54,000 | $178,000 |
| Loan Purchased By The Institution | 43 | $6,970,000 | $162,000 | $399,000 | $42,000 | $122,000 |
| Application Approved But Not Accepted | 22 | $3,532,000 | $160,000 | $388,000 | $57,000 | $145,000 |
| File Closed For Incompleteness | 9 | $1,188,000 | $132,000 | $228,000 | $50,000 | $134,000 |
| 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 | 29 | $3,241,000 | $111,000 | $273,000 | $55,000 | $134,000 |
| Collateral | 28 | $3,828,000 | $136,000 | $417,000 | $77,000 | $225,000 |
| Other | 13 | $1,487,000 | $114,000 | $408,000 | $96,000 | $225,000 |
| Debt-To-Income Ratio | 10 | $1,766,000 | $176,000 | $317,000 | $47,000 | $120,000 |
| Credit Application Incomplete | 6 | $1,064,000 | $177,000 | $333,000 | $93,000 | $203,000 |
| Unverifiable Information | 2 | $349,000 | $174,000 | $223,000 | $46,000 | $50,000 |
| Employment History | 1 | $104,000 | $104,000 | $104,000 | $27,000 | $27,000 |
| 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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