Idaho
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 103,880
Total Mortgage Loan Application Amount $19,525,864,000
Average Mortgage Loan Application Amount $187,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $75,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for Idaho in 2016

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 50,605 $9,993,566,000 $197,000 $99,999,000 $76,000 $6,700,000
Refinancing 48,913 $9,049,669,000 $185,000 $20,756,000 $74,000 $9,999,000
Home Improvement 4,362 $482,629,000 $110,000 $9,000,000 $80,000 $2,650,000

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 79,093 $14,576,305,000 $184,000 $12,530,000 $81,000 $6,700,000
Not Provided 8,618 $1,671,764,000 $193,000 $3,600,000 $94,000 $5,896,000
Not applicable 8,586 $2,004,798,000 $233,000 $52,800,000 $15,000 $1,146,000
Hispanic 5,259 $744,757,000 $141,000 $1,033,000 $59,000 $9,999,000
Asian 1,052 $308,383,000 $293,000 $99,999,000 $92,000 $1,235,000
American Indian or Alaskan Native 659 $109,920,000 $166,000 $580,000 $66,000 $900,000
Black or African American 355 $66,556,000 $187,000 $574,000 $69,000 $997,000
Native Hawaiin or Other Pacific Islander 258 $43,381,000 $168,000 $459,000 $68,000 $540,000

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) 70,245 $13,388,975,000 $190,000 $99,999,000 $90,000 $9,999,000
FHA-insured (Federal Housing Administration) 18,583 $3,036,615,000 $163,000 $9,032,000 $44,000 $1,560,000
VA-guaranteed (Veterans Administration) 13,007 $2,778,474,000 $213,000 $1,550,000 $49,000 $1,200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,045 $321,800,000 $157,000 $437,000 $38,000 $163,000

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 59,151 $11,252,069,000 $190,000 $20,756,000 $82,000 $6,700,000
Application Denied By Financial Institution 15,843 $2,763,017,000 $174,000 $99,999,000 $71,000 $4,200,000
Loan Purchased By The Institution 11,541 $2,332,804,000 $202,000 $52,800,000 $36,000 $1,146,000
Application Withdrawn By Applicant 10,102 $1,869,373,000 $185,000 $3,500,000 $82,000 $5,944,000
Application Approved But Not Accepted 3,969 $721,215,000 $181,000 $1,875,000 $89,000 $2,574,000
File Closed For Incompleteness 3,267 $586,362,000 $179,000 $2,500,000 $77,000 $9,999,000
Preapproval Approved but not Accepted 7 $1,024,000 $146,000 $271,000 $60,000 $80,000
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
Debt-To-Income Ratio 2,491 $441,251,000 $177,000 $4,000,000 $53,000 $1,163,000
Credit History 2,447 $323,484,000 $132,000 $2,697,000 $71,000 $1,267,000
Collateral 1,739 $328,353,000 $188,000 $2,975,000 $95,000 $1,133,000
Credit Application Incomplete 762 $140,054,000 $183,000 $3,400,000 $78,000 $1,110,000
Other 723 $115,112,000 $159,000 $2,065,000 $78,000 $700,000
Unverifiable Information 486 $88,756,000 $182,000 $1,500,000 $92,000 $2,416,000
Insufficient Cash (Downpayment, Closing Cost) 214 $39,650,000 $185,000 $1,575,000 $83,000 $2,007,000
Employment History 192 $30,875,000 $160,000 $568,000 $55,000 $345,000
Mortgage Insurance Denied 7 $1,259,000 $179,000 $417,000 $64,000 $155,000
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Mortgage Loan Application Totals in 2016 by Idaho Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
BOISE CITY, ID 49,855 $ 9,584,299,000 $ 192,000 $ 75,000
COEUR D'ALENE, ID 12,320 $ 2,670,096,000 $ 216,000 $ 77,000
IDAHO FALLS, ID 8,506 $ 1,363,406,000 $ 160,000 $ 68,000
LEWISTON, ID-WA 2,078 $ 326,740,000 $ 157,000 $ 67,000
POCATELLO, ID 4,275 $ 667,438,000 $ 156,000 $ 62,000
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Mortgage Loan Application Totals in 2016 by Idaho County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Ada 33,556 $ 7,112,511,000 $ 211,000 $ 83,000
Adams 228 $ 39,583,000 $ 173,000 $ 67,000
Bannock 4,276 $ 667,491,000 $ 156,000 $ 62,000
Bear Lake 377 $ 57,515,000 $ 152,000 $ 84,000
Benewah 361 $ 50,376,000 $ 139,000 $ 58,000
Bingham 1,956 $ 284,174,000 $ 145,000 $ 62,000
Blaine 1,598 $ 673,339,000 $ 421,000 $ 194,000
Boise 676 $ 123,489,000 $ 182,000 $ 78,000
Bonner 2,867 $ 659,408,000 $ 229,000 $ 106,000
Bonneville 6,810 $ 1,077,149,000 $ 158,000 $ 69,000
Boundary 628 $ 108,439,000 $ 172,000 $ 66,000
Butte 82 $ 9,162,000 $ 111,000 $ 64,000
Camas 54 $ 7,490,000 $ 138,000 $ 68,000
Canyon 13,956 $ 2,095,684,000 $ 150,000 $ 58,000
Caribou 324 $ 40,617,000 $ 125,000 $ 59,000
Cassia 629 $ 89,723,000 $ 142,000 $ 58,000
Clark 17 $ 1,665,000 $ 97,000 $ 57,000
Clearwater 350 $ 46,062,000 $ 131,000 $ 58,000
Custer 215 $ 33,671,000 $ 156,000 $ 73,000
Elmore 1,297 $ 185,906,000 $ 143,000 $ 50,000
Franklin 669 $ 109,626,000 $ 163,000 $ 58,000
Fremont 794 $ 131,391,000 $ 165,000 $ 78,000
Gem 1,143 $ 173,115,000 $ 151,000 $ 60,000
Gooding 576 $ 74,104,000 $ 128,000 $ 54,000
Idaho 518 $ 76,996,000 $ 148,000 $ 59,000
Jefferson 1,615 $ 277,149,000 $ 171,000 $ 67,000
Jerome 838 $ 115,654,000 $ 138,000 $ 54,000
Kootenai 12,325 $ 2,670,935,000 $ 216,000 $ 77,000
Latah 1,320 $ 253,365,000 $ 191,000 $ 76,000
Lemhi 343 $ 52,204,000 $ 152,000 $ 59,000
Lewis 130 $ 18,212,000 $ 140,000 $ 61,000
Lincoln 144 $ 16,482,000 $ 114,000 $ 52,000
Madison 1,260 $ 247,427,000 $ 196,000 $ 81,000
Minidoka 572 $ 71,423,000 $ 124,000 $ 48,000
Nez Perce 2,078 $ 326,740,000 $ 157,000 $ 67,000
Oneida 218 $ 32,934,000 $ 151,000 $ 59,000
Owyhee 531 $ 80,935,000 $ 152,000 $ 58,000
Payette 1,192 $ 182,344,000 $ 152,000 $ 65,000
Power 259 $ 33,547,000 $ 129,000 $ 59,000
Shoshone 626 $ 71,657,000 $ 114,000 $ 58,000
Teton 855 $ 206,313,000 $ 241,000 $ 100,000
Twin Falls 3,817 $ 573,289,000 $ 150,000 $ 57,000
Valley 1,110 $ 270,815,000 $ 243,000 $ 161,000
Washington 425 $ 53,963,000 $ 126,000 $ 54,000
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