Gooding County, ID Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 882 mortgage applications in Gooding County, ID totaling $148.4 million, up 32% from 2019. The average application was for $168,000, and applicants reported an average income of $79,000. 58% of applications resulted in an originated loan and 14% were denied. The most active lender was Idaho Central Credit Union, with 116 applications, followed by First Federal Savings Bank and Premier Mortgage Resources, LLC.
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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 | 882 |
| Total Mortgage Loan Application Amount | $148,360,000 |
| Average Mortgage Loan Application Amount | $168,000 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $1,875,000 |
Top Mortgage Lenders in Gooding County, ID (2020)
Ranked by the number of mortgage applications each lender reported in Gooding County, ID in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union Chubbuck, ID |
116 | $16,820,000 | $145,000 | $100,000 |
| 2 | First Federal Savings Bank Twin Falls, ID |
89 | $16,315,000 | $183,000 | $80,000 |
| 3 | Premier Mortgage Resources, LLC Meridian, ID |
71 | $11,115,000 | $156,000 | $70,000 |
| 4 | Guild Mortgage Company San Diego, CA |
54 | $9,150,000 | $169,000 | $62,000 |
| 5 | US Bank, N.A. Cincinnati, OH |
38 | $4,810,000 | $126,000 | $75,000 |
| 6 | Movement Mortgage, LLC Indian Land, SC |
24 | $4,200,000 | $175,000 | $73,000 |
| 7 | United Wholesale Mortgage Plymouth, MI |
24 | $5,530,000 | $230,000 | $92,000 |
| 8 | Pioneer Federal Credit Union Mountain Home, ID |
24 | $3,710,000 | $154,000 | $69,000 |
| 9 | Wells Fargo Bank NA Minneapolis, MN |
21 | $2,815,000 | $134,000 | $95,000 |
| 10 | D. L. Evans Bank Burley, ID |
20 | $3,420,000 | $171,000 | $82,000 |
The tables below break down 2020 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 2020
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 | 321 | $59,695,000 | $185,000 | $555,000 | $67,000 | $421,000 |
| Refinancing | 286 | $49,970,000 | $174,000 | $505,000 | $85,000 | $900,000 |
| Cash-out Refinancing | 211 | $33,995,000 | $161,000 | $565,000 | $96,000 | $1,875,000 |
| Home Improvement | 34 | $1,950,000 | $57,000 | $225,000 | $62,000 | $143,000 |
| Other Purpose | 22 | $1,710,000 | $77,000 | $205,000 | $67,000 | $154,000 |
| Not Applicable | 8 | $1,040,000 | $130,000 | $225,000 | $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 | 627 | $107,625,000 | $171,000 | $565,000 | $84,000 | $1,875,000 |
| Not Provided | 105 | $17,755,000 | $169,000 | $435,000 | $66,000 | $221,000 |
| Hispanic | 94 | $12,800,000 | $136,000 | $375,000 | $60,000 | $245,000 |
| Not applicable | 41 | $7,815,000 | $190,000 | $405,000 | $70,000 | $114,000 |
| American Indian or Alaskan Native | 10 | $1,560,000 | $156,000 | $375,000 | $127,000 | $780,000 |
| Asian | 5 | $805,000 | $161,000 | $255,000 | $60,000 | $92,000 |
| 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) | 672 | $107,860,000 | $160,000 | $565,000 | $84,000 | $1,875,000 |
| FHA-insured (Federal Housing Administration) | 104 | $18,950,000 | $182,000 | $305,000 | $59,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 88 | $17,940,000 | $203,000 | $425,000 | $54,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,610,000 | $200,000 | $305,000 | $61,000 | $114,000 |
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 | 512 | $87,980,000 | $171,000 | $555,000 | $77,000 | $1,875,000 |
| Application Denied By Financial Institution | 123 | $18,065,000 | $146,000 | $555,000 | $73,000 | $780,000 |
| Application Withdrawn By Applicant | 108 | $19,110,000 | $176,000 | $445,000 | $85,000 | $900,000 |
| Application Approved But Not Accepted | 49 | $7,895,000 | $161,000 | $565,000 | $120,000 | $1,168,000 |
| Loan Purchased By The Institution | 47 | $9,205,000 | $195,000 | $405,000 | $78,000 | $181,000 |
| File Closed For Incompleteness | 38 | $5,380,000 | $141,000 | $305,000 | $65,000 | $146,000 |
| Preapproval Denied by Financial Institution | 3 | $315,000 | $105,000 | $195,000 | $71,000 | $94,000 |
| Preapproval Approved but not Accepted | 2 | $410,000 | $205,000 | $255,000 | $66,000 | $95,000 |
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 | 756 | $129,980,000 | $171,000 | $565,000 | $80,000 | $1,875,000 |
| Debt-To-Income Ratio | 41 | $6,085,000 | $148,000 | $525,000 | $54,000 | $150,000 |
| Credit History | 38 | $4,490,000 | $118,000 | $555,000 | $63,000 | $141,000 |
| Collateral | 25 | $4,005,000 | $160,000 | $505,000 | $76,000 | $152,000 |
| Credit Application Incomplete | 10 | $1,840,000 | $184,000 | $285,000 | $159,000 | $780,000 |
| Other | 8 | $1,280,000 | $160,000 | $345,000 | $82,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $465,000 | $155,000 | $235,000 | $75,000 | $97,000 |
| Employment History | 1 | $215,000 | $215,000 | $215,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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