Coeur D'Alene, ID Metro Area Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 12,292 mortgage applications in Coeur D'Alene, ID metro area totaling $4.6 billion, down 48% from 2021. The average application was for $373,512, and applicants reported an average income of $148,000. 59% of applications resulted in an originated loan and 12% were denied. The most active lender was Idaho Central Credit Union, with 1,405 applications, followed by Spokane Teachers Credit Union and Glacier Bank.
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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 |
| Total Number of Mortgage Applications | 12,292 |
| Total Mortgage Loan Application Amount | $4,591,210,000 |
| Average Mortgage Loan Application Amount | $373,512 |
| Highest Mortgage Loan Application Amount | $43,415,000 |
| Average Applicant Income | $148,000 |
| Highest Applicant Income | $7,648,000 |
Top Mortgage Lenders in Coeur D'Alene, ID Metro Area (2022)
Ranked by the number of mortgage applications each lender reported in Coeur D'Alene, ID metro area in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union Chubbuck, ID |
1,405 | $361,355,000 | $257,000 | $151,000 |
| 2 | Spokane Teachers Credit Union Liberty Lake, WA |
766 | $174,130,000 | $227,000 | $123,000 |
| 3 | Glacier Bank Kalispell, MT |
749 | $307,115,000 | $410,000 | $172,000 |
| 4 | Willamette Valley Bank Salem, OR |
745 | $295,945,000 | $397,000 | $128,000 |
| 5 | Numerica Credit Union Spokane Valley, WA |
614 | $150,580,000 | $245,000 | $173,000 |
| 6 | US Bank, N.A. Cincinnati, OH |
437 | $135,555,000 | $310,000 | $161,000 |
| 7 | First Interstate Bank Billings, MT |
308 | $199,960,000 | $649,000 | $196,000 |
| 8 | Wells Fargo Bank NA Minneapolis, MN |
299 | $200,385,000 | $670,000 | $145,000 |
| 9 | Potlatch No 1 Financial Credit U Lewiston, ID |
298 | $55,430,000 | $186,000 | $104,000 |
| 10 | Columbia Bank Lake Oswego, OR |
255 | $86,395,000 | $338,000 | $146,000 |
See every lender active in Coeur D'Alene, ID metro area in 2022 »
The tables below break down 2022 mortgage applications in Coeur D'Alene, ID metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Coeur D'Alene, ID in 2022
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 | 4,632 | $2,319,880,000 | $500,000 | $31,005,000 | $173,000 | $7,648,000 |
| Cash-out Refinancing | 3,207 | $1,117,825,000 | $348,000 | $28,515,000 | $124,000 | $3,592,000 |
| Home Improvement | 2,019 | $315,495,000 | $156,000 | $7,005,000 | $133,000 | $2,489,000 |
| Refinancing | 1,317 | $590,095,000 | $448,000 | $43,415,000 | $126,000 | $2,434,000 |
| Other Purpose | 1,098 | $241,170,000 | $219,000 | $5,705,000 | $169,000 | $3,997,000 |
| Not Applicable | 19 | $6,745,000 | $355,000 | $3,185,000 | $80,000 | $80,000 |
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 | 8,604 | $2,764,890,000 | $321,000 | $6,505,000 | $142,000 | $4,900,000 |
| Not Provided | 2,167 | $855,645,000 | $394,000 | $7,005,000 | $175,000 | $7,648,000 |
| Not applicable | 948 | $798,060,000 | $841,000 | $43,415,000 | $196,000 | $685,000 |
| Hispanic | 300 | $87,660,000 | $292,000 | $2,505,000 | $128,000 | $2,062,000 |
| American Indian or Alaskan Native | 116 | $30,620,000 | $263,000 | $725,000 | $101,000 | $459,000 |
| Asian | 87 | $30,415,000 | $349,000 | $1,005,000 | $127,000 | $474,000 |
| Black or African American | 32 | $11,170,000 | $349,000 | $1,085,000 | $112,000 | $330,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $8,830,000 | $441,000 | $1,205,000 | $136,000 | $447,000 |
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) | 10,618 | $3,934,630,000 | $370,000 | $43,415,000 | $155,000 | $7,648,000 |
| VA-guaranteed (Veterans Administration) | 907 | $403,095,000 | $444,000 | $1,845,000 | $100,000 | $569,000 |
| FHA-insured (Federal Housing Administration) | 755 | $249,325,000 | $330,000 | $5,985,000 | $76,000 | $2,400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $4,160,000 | $346,000 | $495,000 | $87,000 | $120,000 |
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 | 7,293 | $2,830,655,000 | $388,000 | $43,415,000 | $155,000 | $7,648,000 |
| Application Withdrawn By Applicant | 1,586 | $628,340,000 | $396,000 | $15,005,000 | $154,000 | $3,304,000 |
| Application Denied By Financial Institution | 1,498 | $396,400,000 | $264,000 | $7,005,000 | $114,000 | $2,570,000 |
| Loan Purchased By The Institution | 1,064 | $451,750,000 | $424,000 | $2,395,000 | $149,000 | $738,000 |
| File Closed For Incompleteness | 457 | $159,555,000 | $349,000 | $5,005,000 | $126,000 | $3,600,000 |
| Application Approved But Not Accepted | 383 | $119,305,000 | $311,000 | $1,685,000 | $135,000 | $1,063,000 |
| Preapproval Approved but not Accepted | 11 | $5,205,000 | $473,000 | $885,000 | $119,000 | $252,000 |
| 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 | 10,777 | $4,188,115,000 | $388,000 | $43,415,000 | $152,000 | $7,648,000 |
| Debt-To-Income Ratio | 676 | $190,390,000 | $281,000 | $7,005,000 | $86,000 | $2,388,000 |
| Credit History | 286 | $55,710,000 | $194,000 | $2,005,000 | $114,000 | $2,500,000 |
| Collateral | 223 | $57,725,000 | $258,000 | $2,535,000 | $186,000 | $2,449,000 |
| Credit Application Incomplete | 138 | $38,650,000 | $280,000 | $2,505,000 | $154,000 | $2,570,000 |
| Other | 100 | $27,100,000 | $271,000 | $3,075,000 | $111,000 | $751,000 |
| Unverifiable Information | 47 | $11,665,000 | $248,000 | $1,615,000 | $129,000 | $1,093,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $15,630,000 | $651,000 | $4,505,000 | $131,000 | $315,000 |
| Employment History | 21 | $6,225,000 | $296,000 | $855,000 | $93,000 | $219,000 |
| 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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