Gooding County, ID Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 496 mortgage applications in Gooding County, ID totaling $97.4 million, down 3% from 2023. The average application was for $196,000, and applicants reported an average income of $93,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was Idaho Central Credit Union, with 74 applications, followed by Premier Mortgage Resources, LLC and First Federal Savings 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 | 496 |
| Total Mortgage Loan Application Amount | $97,410,000 |
| Average Mortgage Loan Application Amount | $196,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,169,000 |
* 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 |
* | $ n/a | 74 | $ 13,960,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 39 | $ 9,255,000 |
| First Federal Savings Bank 303 SHOSHONE ST N TWIN FALLS, ID 83303 |
* | $ n/a | 34 | $ 6,150,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 21 | $ 5,635,000 |
| Pioneer Federal Credit Union 250 SOUTH 3RD WEST MOUNTAIN HOME, ID 83647 |
* | $ n/a | 19 | $ 1,835,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 18 | $ 4,510,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 17 | $ 3,495,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 13 | $ 2,925,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 13 | $ 995,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 12 | $ 3,220,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ n/a | 11 | $ 1,505,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 9 | $ 1,235,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 8 | $ 1,120,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 2,070,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 8 | $ 1,590,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ n/a | 7 | $ 935,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 1,905,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 7 | $ 1,225,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 1,590,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 6 | $ 1,240,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 1,550,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ n/a | 6 | $ 280,000 |
| Farmers Bank 890 SHOSHONE ST E TWIN FALLS, ID 83301 |
* | $ n/a | 6 | $ 1,030,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 610,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 185,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 830,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 500,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 850,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 405,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 535,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 3 | $ 1,075,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 465,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 215,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 3 | $ 545,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 510,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 460,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ n/a | 2 | $ 230,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 2 | $ 550,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 950,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 2 | $ 570,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 440,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 2 | $ 760,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 180,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 280,000 |
| Connections Credit Union 1150 NORTH 8TH AVENUE POCATELLO, ID 83201 |
* | $ n/a | 2 | $ 120,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ n/a | 2 | $ 200,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 280,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 490,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 2 | $ 200,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ n/a | 2 | $ 130,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 310,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 360,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 25,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 285,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 365,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 385,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 135,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 35,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 325,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 285,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ n/a | 1 | $ 215,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 1 | $ 135,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 235,000 |
| Bay-Valley Mortgage Group 23320 FOOTHILL BLVD, SUITE 260 HAYWARD, CA 94541 |
* | $ n/a | 1 | $ 325,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 45,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 305,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 115,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 255,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 285,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ n/a | 1 | $ 435,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 365,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 395,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ n/a | 1 | $ 235,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 115,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 295,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 25,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 455,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 265,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 335,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 285,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 175,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ n/a | 1 | $ 225,000 |
| Nova Financial & Investment Corporation 6245 E. BROADWAY BLVD., SUITE 400 TUCSON, AZ 85711 |
* | $ n/a | 1 | $ 215,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 335,000 |
The tables below break down 2024 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 2024
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 | 205 | $50,555,000 | $246,000 | $1,005,000 | $92,000 | $626,000 |
| Cash-out Refinancing | 114 | $23,580,000 | $206,000 | $525,000 | $94,000 | $608,000 |
| Home Improvement | 77 | $7,855,000 | $102,000 | $505,000 | $96,000 | $1,169,000 |
| Refinancing | 52 | $11,830,000 | $227,000 | $725,000 | $100,000 | $396,000 |
| Other Purpose | 48 | $3,590,000 | $74,000 | $335,000 | $81,000 | $210,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 299 | $57,285,000 | $191,000 | $735,000 | $97,000 | $1,169,000 |
| Hispanic | 86 | $17,470,000 | $203,000 | $635,000 | $82,000 | $259,000 |
| Not Provided | 68 | $13,580,000 | $199,000 | $1,005,000 | $86,000 | $282,000 |
| Not applicable | 27 | $7,185,000 | $266,000 | $605,000 | $133,000 | $133,000 |
| American Indian or Alaskan Native | 11 | $1,125,000 | $102,000 | $295,000 | $86,000 | $165,000 |
| Black or African American | 4 | $640,000 | $160,000 | $215,000 | $90,000 | $121,000 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $230,000 | $230,000 |
| 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 | $63,130,000 | $171,000 | $1,005,000 | $97,000 | $1,169,000 |
| FHA-insured (Federal Housing Administration) | 80 | $20,060,000 | $250,000 | $495,000 | $75,000 | $148,000 |
| VA-guaranteed (Veterans Administration) | 45 | $13,395,000 | $297,000 | $525,000 | $84,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $825,000 | $275,000 | $285,000 | $73,000 | $77,000 |
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 | $52,990,000 | $203,000 | $1,005,000 | $99,000 | $1,169,000 |
| Application Denied By Financial Institution | 94 | $15,310,000 | $162,000 | $725,000 | $77,000 | $230,000 |
| Application Withdrawn By Applicant | 70 | $14,800,000 | $211,000 | $695,000 | $98,000 | $626,000 |
| Loan Purchased By The Institution | 31 | $7,575,000 | $244,000 | $605,000 | $81,000 | $133,000 |
| Application Approved But Not Accepted | 20 | $3,750,000 | $187,000 | $525,000 | $84,000 | $168,000 |
| File Closed For Incompleteness | 18 | $1,980,000 | $110,000 | $525,000 | $70,000 | $140,000 |
| Preapproval Approved but not Accepted | 3 | $1,005,000 | $335,000 | $345,000 | $149,000 | $259,000 |
| 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 | 402 | $82,100,000 | $204,000 | $1,005,000 | $96,000 | $1,169,000 |
| Debt-To-Income Ratio | 32 | $5,910,000 | $184,000 | $655,000 | $60,000 | $203,000 |
| Credit History | 25 | $4,195,000 | $167,000 | $435,000 | $76,000 | $165,000 |
| Collateral | 17 | $2,135,000 | $125,000 | $725,000 | $105,000 | $230,000 |
| Credit Application Incomplete | 8 | $600,000 | $75,000 | $135,000 | $84,000 | $145,000 |
| Other | 6 | $810,000 | $135,000 | $235,000 | $64,000 | $72,000 |
| Unverifiable Information | 2 | $440,000 | $220,000 | $285,000 | $110,000 | $129,000 |
| Employment History | 2 | $620,000 | $310,000 | $325,000 | $80,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $600,000 | $300,000 | $315,000 | $101,000 | $134,000 |
| 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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