Gem County, ID Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 845 mortgage applications in Gem County, ID totaling $222.2 million, down 36% from 2022. The average application was for $262,000, and applicants reported an average income of $121,000. 54% of applications resulted in an originated loan and 14% were denied. The most active lender was Idaho Central Credit Union, with 141 applications, followed by US Bank, N.A. and United Wholesale Mortgage.
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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 | 845 |
| Total Mortgage Loan Application Amount | $222,205,000 |
| Average Mortgage Loan Application Amount | $262,000 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $121,000 |
| Highest Applicant Income | $2,055,000 |
* 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 |
|---|---|---|---|---|
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 9,744,391,000 | 141 | $ 30,755,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 35 | $ 6,135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 33 | $ 10,265,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 15,840,363,000 | 26 | $ 3,350,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 25 | $ 5,015,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 25 | $ 6,215,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 24 | $ 7,110,000 |
| First Federal Savings Bank 303 SHOSHONE ST N TWIN FALLS, ID 83303 |
* | $ 1,369,956,000 | 15 | $ 6,145,000 |
| Toll Brothers Mortgage Company FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 15 | $ 4,235,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 15 | $ 4,085,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 14 | $ 3,750,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 14 | $ 3,410,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 14 | $ 3,790,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 14 | $ 2,340,000 |
| Capital Educators Fed CU PO BOX 570 (275 S STRATFORD DR) MERIDIAN, ID 83680 |
* | $ 1,382,400,000 | 14 | $ 2,000,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 4,755,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 12 | $ 3,800,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 2,525,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 10 | $ 1,760,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 10 | $ 2,840,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 10 | $ 2,550,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 9 | $ 4,365,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 2,685,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 9 | $ 2,215,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 9 | $ 3,545,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 9 | $ 705,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ 1,345,015,000 | 8 | $ 1,390,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 1,380,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 8 | $ 2,520,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 8 | $ 1,740,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 8 | $ 3,670,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 7 | $ 2,465,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 2,750,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 3,360,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 401,943,000 | 6 | $ 1,340,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 6 | $ 1,130,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 6 | $ 1,360,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 2,230,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 6 | $ 420,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 3,040,810,000 | 5 | $ 435,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 1,395,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 5 | $ 1,705,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 3,265,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 21,645,013,000 | 5 | $ 2,145,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 5 | $ 1,445,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 1,055,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 1,905,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 600,000 |
| Pioneer Federal Credit Union 250 SOUTH 3RD WEST MOUNTAIN HOME, ID 83647 |
* | $ 740,349,000 | 4 | $ 500,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 1,050,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 4 | $ 1,910,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 4 | $ 670,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 600,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 4 | $ 1,090,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 4 | $ 2,250,000 |
| Greenbox Loans 3250 WILSHIRE BLVD., SUITE 1900 LOS ANGELES, CA 90010 |
* | $ -1,000 | 3 | $ 1,155,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 3 | $ 2,145,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 1,175,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 3 | $ 265,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 3 | $ 165,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 685,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 31,844,724,000 | 3 | $ 885,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 3 | $ 375,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 1,035,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 695,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 3 | $ 415,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 3 | $ 925,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 16,706,914,000 | 2 | $ 110,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 2 | $ 900,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 610,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 70,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 650,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 2 | $ 670,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ 978,255,000 | 2 | $ 650,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 750,000 |
| My Move Mortgage, LLC MY MOVE MORTGAGE, LLC SANDY, UT 84070 |
* | $ -1,000 | 2 | $ 440,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 810,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 830,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ -1,000 | 2 | $ 770,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 2 | $ 520,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 2 | $ 700,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 450,910,000 | 2 | $ 910,000 |
| Connections Credit Union 1150 NORTH 8TH AVENUE POCATELLO, ID 83201 |
* | $ 249,678,000 | 2 | $ 260,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 830,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 26,612,483,000 | 2 | $ 730,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 15,821,645,000 | 2 | $ 530,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 410,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 2 | $ 930,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 290,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 1 | $ 655,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 365,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 14,304,653,000 | 1 | $ 135,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,765,448,000 | 1 | $ 295,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ -1,000 | 1 | $ 255,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 105,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 9,523,916,000 | 1 | $ 45,000 |
| Mortgageone, Inc 2714 LOKER AVE WEST SUITE 300 CARLSBAD, CA 92010 |
* | $ -1,000 | 1 | $ 245,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 445,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 305,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 245,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 1 | $ 25,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 1 | $ 515,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 3,646,842,000 | 1 | $ 55,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 115,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 545,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 444,412,000 | 1 | $ 305,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 365,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 2,774,808,000 | 1 | $ 55,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 1 | $ 285,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ -1,000 | 1 | $ 105,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ 4,739,869,000 | 1 | $ 85,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 65,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 225,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 2,020,815,000 | 1 | $ 135,000 |
| Jmj Financial Group Inc. 26800 ALISO VIEJO PARKWAY STE 200 ALISO VIEJO, CA 92656 |
* | $ -1,000 | 1 | $ 405,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 355,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 355,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 315,000 |
| Infinity Equity Group, Inc. 2285 HILLTOP DR SUITE 100 REDDING, CA 96002 |
* | $ -1,000 | 1 | $ 445,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 275,000 |
| Nuvision Federal Credit Union 7812 EDINGER AVENUE HUNTINGTON BEACH, CA 92677 |
* | $ 2,966,361,000 | 1 | $ 35,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 145,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 1 | $ 205,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 10,412,724,000 | 1 | $ 205,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 405,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 875,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 355,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 305,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ 2,885,583,000 | 1 | $ 115,000 |
| Assemblies of God Credit Union 1535 N CAMPBELL AVE SPRINGFIELD, MO 65803 |
* | $ 369,076,000 | 1 | $ 975,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 345,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 1 | $ 345,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 17,379,010,000 | 1 | $ 55,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ 554,407,000 | 1 | $ 105,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ -1,000 | 1 | $ 455,000 |
The tables below break down 2023 mortgage applications in Gem 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 Gem 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 | 416 | $131,270,000 | $315,000 | $1,125,000 | $125,000 | $2,055,000 |
| Cash-out Refinancing | 177 | $44,395,000 | $250,000 | $1,085,000 | $100,000 | $516,000 |
| Home Improvement | 124 | $15,630,000 | $126,000 | $755,000 | $127,000 | $743,000 |
| Refinancing | 64 | $24,250,000 | $378,000 | $1,315,000 | $145,000 | $638,000 |
| Other Purpose | 63 | $6,655,000 | $105,000 | $415,000 | $116,000 | $744,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $19,000 | $19,000 |
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 | 612 | $156,520,000 | $255,000 | $1,315,000 | $118,000 | $1,873,000 |
| Not Provided | 137 | $36,365,000 | $265,000 | $1,125,000 | $135,000 | $2,055,000 |
| Hispanic | 39 | $10,565,000 | $270,000 | $975,000 | $115,000 | $530,000 |
| Not applicable | 36 | $11,060,000 | $307,000 | $675,000 | $92,000 | $192,000 |
| American Indian or Alaskan Native | 12 | $3,420,000 | $285,000 | $435,000 | $117,000 | $350,000 |
| Asian | 6 | $3,740,000 | $623,000 | $945,000 | $166,000 | $221,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $90,000 | $90,000 |
| 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) | 676 | $164,060,000 | $242,000 | $1,315,000 | $128,000 | $2,055,000 |
| FHA-insured (Federal Housing Administration) | 96 | $27,920,000 | $290,000 | $595,000 | $86,000 | $260,000 |
| VA-guaranteed (Veterans Administration) | 70 | $29,210,000 | $417,000 | $1,125,000 | $98,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $1,015,000 | $338,000 | $385,000 | $80,000 | $106,000 |
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 | 460 | $119,660,000 | $260,000 | $1,315,000 | $126,000 | $2,055,000 |
| Application Withdrawn By Applicant | 124 | $36,490,000 | $294,000 | $1,085,000 | $118,000 | $1,873,000 |
| Application Denied By Financial Institution | 121 | $25,165,000 | $207,000 | $915,000 | $108,000 | $744,000 |
| Loan Purchased By The Institution | 48 | $14,910,000 | $310,000 | $675,000 | $105,000 | $215,000 |
| File Closed For Incompleteness | 47 | $14,275,000 | $303,000 | $1,005,000 | $124,000 | $530,000 |
| Application Approved But Not Accepted | 43 | $10,785,000 | $250,000 | $805,000 | $105,000 | $330,000 |
| Preapproval Approved but not Accepted | 2 | $920,000 | $460,000 | $475,000 | $363,000 | $453,000 |
| 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 | 724 | $197,040,000 | $272,000 | $1,315,000 | $123,000 | $2,055,000 |
| Debt-To-Income Ratio | 53 | $10,495,000 | $198,000 | $815,000 | $74,000 | $262,000 |
| Credit History | 26 | $3,800,000 | $146,000 | $375,000 | $115,000 | $744,000 |
| Collateral | 23 | $4,505,000 | $195,000 | $915,000 | $148,000 | $316,000 |
| Other | 8 | $2,420,000 | $302,000 | $755,000 | $114,000 | $250,000 |
| Credit Application Incomplete | 6 | $2,180,000 | $363,000 | $915,000 | $157,000 | $450,000 |
| Unverifiable Information | 3 | $1,235,000 | $411,000 | $595,000 | $114,000 | $197,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $530,000 | $265,000 | $365,000 | $242,000 | $307,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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