Gooding County, ID Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 714 mortgage applications in Gooding County, ID totaling $90.7 million, down 2% from 2008. The average application was for $126,000, and applicants reported an average income of $59,000. 39% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank, NA, with 98 applications, followed by Bank of America, N.A. and Zions First National 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 2003 |
| Total Number of Mortgage Applications | 714 |
| Total Mortgage Loan Application Amount | $90,666,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $1,570,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $1,902,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 98 | $ 12,370,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 62 | $ 8,136,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 20,778,268,000 | 42 | $ 4,085,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 39 | $ 5,274,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 38 | $ 4,827,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 29 | $ 3,028,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 28 | $ 3,034,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 28 | $ 3,453,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 25 | $ 3,045,000 |
| Panhandle State Bank 414 CHURCH STREET SANDPOINT, ID 83864 |
* | $ 1,081,753,000 | 24 | $ 2,733,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 21 | $ 2,686,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 21 | $ 3,914,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 20 | $ 2,868,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 721,003,000 | 16 | $ 1,748,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 16 | $ 1,886,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 14 | $ 1,814,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 13 | $ 644,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 804,318,000 | 13 | $ 1,772,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 10 | $ 1,467,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 9 | $ 1,121,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 9 | $ 1,014,000 |
| Washington Federal S&L 425 PIKE STREET SEATTLE, WA 98101 |
* | $ 12,516,153,000 | 8 | $ 892,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 668,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 728,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 249,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 6 | $ 636,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 5 | $ 890,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 5 | $ 3,792,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 1,150,000 |
| Pioneer Federal Credit Union 250 SOUTH 3RD WEST MOUNTAIN HOME, ID 83647 |
* | $ 254,596,000 | 5 | $ 489,000 |
| Home Mortgage Resources 2076 S EAGLE ROAD MERIDIAN, ID 83642 |
* | $ 10,000,000 | 4 | $ 594,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 430,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 497,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 4 | $ 38,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 3 | $ 204,000 |
| Netmore America, Inc. 109 EAST MAIN STREET, SUITE 301 WALLA WALLA, WA 99362 |
* | $ 37,000,000 | 3 | $ 613,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 3 | $ 352,000 |
| Hyperion Capital Group 5885 SW MEADOWS ROAD STE 850 LAKE OSWEGO, OR 97035 |
* | $ 66,788,000 | 3 | $ 389,000 |
| Idahy Credit Union 1010 N ROSE ST BOISE, ID 83703 |
* | $ 114,936,000 | 3 | $ 177,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 2 | $ 318,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 352,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 250,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 2 | $ 24,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 4,396,379,000 | 2 | $ 123,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 2 | $ 166,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 133,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 1 | $ 60,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 101,868,610,000 | 1 | $ 113,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 131,000 |
| Mountain West Bank P O BOX 1059 COEUR D'ALENE, ID 83816 |
* | $ 1,228,335,000 | 1 | $ 150,000 |
| Idaho Independent Bank 1260 W RIVERSTONE DR COEUR D ALENE, ID 83814 |
* | $ 588,731,000 | 1 | $ 330,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 57,651,000 | 1 | $ 188,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 315,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 90,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 168,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 16,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 303,000 | 1 | $ 65,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 14,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Crestline Funding Corp 18851 BARDEEN AVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 1 | $ 150,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Tri-Emerald Financial Group, Inc. 85 ENTERPRISE, SUITE 100 ALISO VIEJO, CA 92656 |
* | $ 39,000,000 | 1 | $ 148,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 177,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 129,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 173,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 3,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 173,000 |
The tables below break down 2009 mortgage applications in Gooding 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 Gooding 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 | 502 | $70,055,000 | $139,000 | $1,570,000 | $60,000 | $1,902,000 |
| Home Purchase | 158 | $16,979,000 | $107,000 | $359,000 | $53,000 | $681,000 |
| Home Improvement | 54 | $3,632,000 | $67,000 | $270,000 | $67,000 | $420,000 |
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 | 519 | $67,456,000 | $129,000 | $1,476,000 | $65,000 | $1,902,000 |
| Not Provided | 81 | $9,726,000 | $120,000 | $417,000 | $62,000 | $623,000 |
| Hispanic | 69 | $7,364,000 | $106,000 | $360,000 | $40,000 | $205,000 |
| Not applicable | 42 | $5,380,000 | $128,000 | $1,570,000 | $17,000 | $150,000 |
| Black or African American | 2 | $666,000 | $333,000 | $570,000 | $42,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $74,000 | $74,000 | $74,000 | $5,000 | $5,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 428 | $54,101,000 | $126,000 | $1,570,000 | $70,000 | $1,902,000 |
| FHA-insured (Federal Housing Administration) | 219 | $28,621,000 | $130,000 | $277,000 | $47,000 | $326,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,243,000 | $108,000 | $255,000 | $25,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 28 | $3,701,000 | $132,000 | $263,000 | $23,000 | $83,000 |
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 | 276 | $35,284,000 | $127,000 | $1,570,000 | $69,000 | $1,902,000 |
| Application Denied By Financial Institution | 172 | $22,922,000 | $133,000 | $570,000 | $58,000 | $337,000 |
| Loan Purchased By The Institution | 110 | $12,325,000 | $112,000 | $268,000 | $31,000 | $170,000 |
| Application Withdrawn By Applicant | 78 | $10,337,000 | $132,000 | $350,000 | $60,000 | $204,000 |
| Application Approved But Not Accepted | 57 | $7,402,000 | $129,000 | $417,000 | $72,000 | $495,000 |
| File Closed For Incompleteness | 19 | $2,268,000 | $119,000 | $330,000 | $44,000 | $96,000 |
| Preapproval Denied by Financial Institution | 2 | $128,000 | $64,000 | $100,000 | $31,000 | $33,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 40 | $5,528,000 | $138,000 | $320,000 | $77,000 | $337,000 |
| Debt-To-Income Ratio | 34 | $5,014,000 | $147,000 | $570,000 | $35,000 | $131,000 |
| Credit History | 25 | $2,076,000 | $83,000 | $220,000 | $56,000 | $155,000 |
| Other | 9 | $1,121,000 | $124,000 | $177,000 | $52,000 | $115,000 |
| Credit Application Incomplete | 6 | $1,077,000 | $179,000 | $323,000 | $58,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $474,000 | $94,000 | $155,000 | $35,000 | $56,000 |
| Unverifiable Information | 4 | $699,000 | $174,000 | $255,000 | $60,000 | $93,000 |
| 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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