Kootenai County, ID Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 10,479 mortgage applications in Kootenai County, ID totaling $4.1 billion, up 21% from 2024. The average application was for $390,000, and applicants reported an average income of $173,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was Idaho Central Credit Union, with 1,287 applications, followed by Glacier Bank and Spokane Teachers Credit Union.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 10,479
Total Mortgage Loan Application Amount $4,087,645,000
Average Mortgage Loan Application Amount $390,000
Highest Mortgage Loan Application Amount $33,035,000
Average Applicant Income $173,000
Highest Applicant Income $9,811,000

Mortgage Company List for Lending in Kootenai County, ID for 2025

* 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 1,287 $ 431,385,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ n/a 469 $ 235,795,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ n/a 461 $ 78,825,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 454 $ 193,090,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 371 $ 169,595,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ n/a 334 $ 72,170,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 304 $ 119,210,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ n/a 281 $ 116,505,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 274 $ 137,070,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 240 $ 113,480,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 217 $ 65,235,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 214 $ 88,710,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 212 $ 96,430,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ n/a 179 $ 33,805,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 161 $ 76,195,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 153 $ 65,175,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 152 $ 56,970,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 144 $ 60,500,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ n/a 140 $ 63,940,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ n/a 131 $ 51,015,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 118 $ 34,580,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ n/a 117 $ 39,615,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 112 $ 53,440,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 106 $ 11,830,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ n/a 100 $ 45,360,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ n/a 96 $ 36,180,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 95 $ 27,135,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ n/a 83 $ 45,465,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ n/a 81 $ 61,335,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 80 $ 7,960,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 77 $ 37,365,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 76 $ 30,490,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 76 $ 29,900,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 73 $ 9,835,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 71 $ 13,165,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 70 $ 27,700,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 69 $ 31,605,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 63 $ 28,835,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 63 $ 26,035,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 61 $ 4,645,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 59 $ 21,035,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 55 $ 20,195,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 55 $ 15,715,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 54 $ 22,580,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 52 $ 27,330,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ n/a 48 $ 19,770,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 48 $ 19,140,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 47 $ 4,465,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 47 $ 20,325,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 46 $ 11,940,000
Freedom Northwest Credit Union
303 MAIN ST
KAMIAH, ID 83536
* $ n/a 45 $ 11,545,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 44 $ 6,160,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 44 $ 21,110,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 42 $ 17,030,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 40 $ 16,990,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 36 $ 14,040,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ n/a 35 $ 3,795,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 34 $ 8,860,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 34 $ 16,270,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 33 $ 52,115,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 32 $ 11,430,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 29 $ 32,615,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 28 $ 5,450,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 25 $ 2,835,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 25 $ 6,135,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 23 $ 26,625,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 23 $ 11,815,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 22 $ 7,400,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 22 $ 11,070,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 21 $ 7,885,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 20 $ 4,370,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ n/a 19 $ 9,175,000
Granite Bank
202 2ND AVENUE SOUTH, P.O. BOX 416
COLD SPRING, MN 56320
* $ n/a 19 $ 8,955,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 18 $ 16,250,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 18 $ 3,360,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 18 $ 6,970,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 17 $ 6,675,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 17 $ 6,155,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 16 $ 5,380,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 16 $ 7,930,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 15 $ 8,005,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 15 $ 5,565,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 15 $ 7,395,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ n/a 15 $ 3,955,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 15 $ 7,815,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 14 $ 6,330,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 14 $ 8,680,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 14 $ 6,550,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ n/a 14 $ 6,300,000
Goldenwest Federal Credit Union
5025 ADAMS AVE
OGDEN, UT 84403
* $ n/a 14 $ 3,200,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 14 $ 2,270,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 13 $ 12,865,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 13 $ 5,135,000
Toll Brothers Mortgage Company

FORT WASHINGTON, PA 19034
* $ n/a 13 $ 6,915,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 12 $ 6,610,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 12 $ 7,200,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 11 $ 9,345,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 11 $ 4,125,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 11 $ 4,755,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 10 $ 3,130,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 10 $ 4,180,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ n/a 10 $ 2,510,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 10 $ 2,170,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 10 $ 2,820,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 10 $ 4,500,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 9 $ 4,355,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 9 $ 705,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 9 $ 7,475,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 9 $ 4,045,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 9 $ 5,095,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 9 $ 3,785,000
Spokane Firefighters Credit Un
2002 N ATLANTIC
SPOKANE, WA 99205
* $ n/a 9 $ 1,335,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 8 $ 5,940,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 8 $ 4,900,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 8 $ 3,350,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 8 $ 3,860,000
Bellco Credit Union
7600 E. ORCHARD ROAD #400N
GREENWOOD VILLAGE, CO 80111
* $ n/a 8 $ 910,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 7 $ 8,735,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 7 $ 3,555,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ n/a 7 $ 3,045,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 7 $ 2,945,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 7 $ 2,865,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ n/a 7 $ 1,275,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 7 $ 2,625,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 6 $ 2,040,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 6 $ 2,860,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 6 $ 3,150,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 6 $ 4,290,000
Sammamish Mortgage Company
3015 112TH AVE NE STE 214
BELLEVUE, WA 98004
* $ n/a 6 $ 3,240,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 6 $ 2,310,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 6 $ 2,490,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ n/a 6 $ 1,560,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 6 $ 2,590,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 5 $ 2,405,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 5 $ 3,415,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 5 $ 2,125,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ n/a 5 $ 825,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 5 $ 1,995,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ n/a 5 $ 1,255,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 5 $ 7,405,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ n/a 5 $ 2,645,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 5 $ 2,195,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 5 $ 2,085,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 5 $ 2,195,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ n/a 5 $ 1,395,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 4 $ 480,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 4 $ 1,750,000
Hapo Communtiy Credit Union
4 N UNION ST
RICHLAND, WA 99354
* $ n/a 4 $ 1,730,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 4 $ 3,980,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 4 $ 2,180,000
Jmj Financial Group Inc.
26800 ALISO VIEJO PARKWAY STE 200
ALISO VIEJO, CA 92656
* $ n/a 4 $ 1,820,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 4 $ 3,370,000
Easy Street Capital LLC
1201 E CESAR CHAVEZ ST SUITE 1
AUSTIN, TX 78702
* $ n/a 4 $ 1,440,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 4 $ 2,750,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ n/a 4 $ 1,210,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 4 $ 480,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 4 $ 1,310,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 4 $ 6,780,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ n/a 4 $ 980,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 4 $ 1,600,000
Residential Mortgage, LLC
100 CALAIS DRIVE, SUITE 100
ANCHORAGE, AK 99503
* $ n/a 4 $ 880,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ n/a 4 $ 1,420,000
Nuvision Federal Credit Union
7812 EDINGER AVENUE
HUNTINGTON BEACH, CA 92677
* $ n/a 4 $ 1,530,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 3 $ 2,725,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 3 $ 1,915,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 3 $ 965,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 675,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 3 $ 965,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 715,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ n/a 3 $ 3,175,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 3 $ 2,735,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 3 $ 1,935,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 3 $ 965,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 3 $ 2,085,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 3 $ 1,355,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 3 $ 795,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ n/a 3 $ 26,355,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ n/a 3 $ 26,355,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 3 $ 1,285,000
Bluebird Home Loans LLC
616 SOUTH AMERICANA BLVD
BOISE, ID 83702
* $ n/a 3 $ 1,265,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 3 $ 1,475,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 3 $ 4,415,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ n/a 3 $ 935,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ n/a 3 $ 7,725,000
Ardri LLC
27001 AGOURA ROAD #100
CALABASAS, CA 91301
* $ n/a 3 $ 1,705,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ n/a 3 $ 435,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 2 $ 730,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 780,000
Foundation Mortgage Corporation
1680 MICHIGAN AVE SUITE 700
MIAMI BEACH, FL 33139
* $ n/a 2 $ 400,000
Ony Glo, Inc.
6 HUTTON CENTRE DRIVE #1030
SANTA ANA, CA 92707
* $ n/a 2 $ 1,110,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 2 $ 1,050,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 410,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 2 $ 1,640,000
Canopy Federal Credit Union
601 W MALLON
SPOKANE, WA 99201
* $ n/a 2 $ 530,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 2 $ 1,450,000
Franklin Loan Corporation
44800 VILLAGE COURT
PALM DESERT, CA 92260
* $ n/a 2 $ 860,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 2 $ 1,010,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ n/a 2 $ 1,500,000
Flexpoint, Inc.
27433 TOURNEY ROAD, SUITE 150
COSTA MESA, CA 92626
* $ n/a 2 $ 650,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 2 $ 670,000
Basis Home Loans LLC
4400 NE 77TH AVENUE SUITE 100
VANCOUVER, WA 98662
* $ n/a 2 $ 1,370,000
Mortgage Express
10260 SW GREENBURG ROAD #830
PORTLAND, OR 97224
* $ n/a 2 $ 630,000
Bay-Valley Mortgage Group
23320 FOOTHILL BLVD, SUITE 260
HAYWARD, CA 94541
* $ n/a 2 $ 2,330,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 670,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ n/a 2 $ 260,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ n/a 2 $ 810,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ n/a 2 $ 790,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 2 $ 720,000
Los Angeles Police FCU
16150 SHERMAN WAY
VAN NUYS, CA 91406
* $ n/a 2 $ 310,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 2 $ 2,310,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ n/a 2 $ 4,760,000
Griffin Funding Inc.
2445 5TH AVE SUITE 401
SAN DIEGO, CA 92101
* $ n/a 2 $ 1,400,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 2 $ 250,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ n/a 2 $ 1,650,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 2 $ 1,140,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 2 $ 1,000,000
Gold Coast Bank
1165 N. CLARK ST., SUITE 200
CHICAGO, IL 60610
* $ n/a 2 $ 1,530,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ n/a 2 $ 820,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ n/a 2 $ 490,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 2 $ 1,460,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ n/a 2 $ 230,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ n/a 2 $ 790,000
Capital Educators Fed CU
PO BOX 570 (275 S STRATFORD DR)
MERIDIAN, ID 83680
* $ n/a 2 $ 460,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 2 $ 970,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 2 $ 3,110,000
Mortgage Capital Partners, Inc
12400 WILSHIRE BLVD, SUITE 900
LOS ANGELES, CA 90025
* $ n/a 2 $ 970,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ n/a 2 $ 2,720,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ n/a 2 $ 150,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ n/a 1 $ 405,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 325,000
Grand Bank for Savings, FSB
204 WESTOVER DRIVE
HATTIESBURG, MS 39404
* $ n/a 1 $ 65,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ n/a 1 $ 55,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ n/a 1 $ 505,000
First Federal Savings Bank
633 LASALLE ST
OTTAWA, IL 61350
* $ n/a 1 $ 315,000
Wescom Central Credit Union
123 S MARENGO AVENUE
PASADENA, CA 91101
* $ n/a 1 $ 685,000
Nmsi, Inc.
3700 WILSHIRE BLVD. STE. 330
LOS ANGELES, CA 90010
* $ n/a 1 $ 305,000
Lantzman Management Inc
11696 SORRENTO VALLEY RD SUITE 201
SAN DIEGO, CA 92121
* $ n/a 1 $ 585,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ n/a 1 $ 135,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 1 $ 305,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 145,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ n/a 1 $ 325,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 1 $ 405,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 1 $ 645,000
Skyone Federal Credit Union
14600 AVIATION BOULEVARD
HAWTHORNE, CA 90250
* $ n/a 1 $ 135,000
Orchard Mortgage, LLC
8900 BUSINESS PARK DR
AUSTIN, TX 78705
* $ n/a 1 $ 355,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 1 $ 1,505,000
Jll Real Estate Capital, LLC
2177 YOUNGMAN AVE W SUITE 300
ST. PAUL, MN 55116
* $ n/a 1 $ 7,365,000
Pacific Lending LLC
4141 INLAND EMPIRE BLVD STE 160
ONTARIO, CA 91764
* $ n/a 1 $ 415,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ n/a 1 $ 295,000
Aaa Capital Investment, Inc
41 E LIVE OAK AVE
ARCADIA, CA 91006
* $ n/a 1 $ 465,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 1 $ 125,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ n/a 1 $ 405,000
Saxton Mortgage, LLC
9191 TOWNE CENTRE DRIVE SUITE 400
SAN DIEGO, CA 92122
* $ n/a 1 $ 725,000
Direct Rate Home Loans, Inc
6985 S UNION PARK CENTER #150
COTTON HEIGHTS, UT 84047
* $ n/a 1 $ 875,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 1 $ 395,000
Mechanics Bank
1111 CIVIC DR
WALNUT CREEK, CA 94596
* $ n/a 1 $ 445,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ n/a 1 $ 2,175,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 665,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ n/a 1 $ 345,000
Priority Home Lending, LLC

HOUSTON, TX 77027
* $ n/a 1 $ 205,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 465,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 1 $ 3,715,000
My Move Mortgage, LLC
MY MOVE MORTGAGE, LLC
SANDY, UT 84070
* $ n/a 1 $ 335,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ n/a 1 $ 305,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 1 $ 2,055,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 465,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ n/a 1 $ 35,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 1 $ 625,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 375,000
Vista Point Mortgage, LLC
1920 MAIN ST SUITE 200
IRVINE, CA 92614
* $ n/a 1 $ 695,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ n/a 1 $ 585,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 565,000
Verus
2001 M STREET SUITE 300
WASHINGTON, DC 20036
* $ n/a 1 $ 675,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ n/a 1 $ 1,325,000
Heritage Bank
201 5TH AVENUE SW
OLYMPIA, WA 98501
* $ n/a 1 $ 1,005,000
Consolidated Community Credit
1033 NE 6TH AVE
PORTLAND, OR 97232
* $ n/a 1 $ 75,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 1 $ 455,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 595,000
Fundloans Capital
12481 HIGH BLUFF DR STE 150
SAN DIEGO, CA 92130
* $ n/a 1 $ 995,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 135,000
Peak Residential Lending Inc

GILBERT, AZ 85295
* $ n/a 1 $ 235,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ n/a 1 $ 25,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ n/a 1 $ 315,000
Pioneer Federal Credit Union
250 SOUTH 3RD WEST
MOUNTAIN HOME, ID 83647
* $ n/a 1 $ 175,000
Lpmc, LLC dba Landmark Profess
1255 LEE ST SE
SALEM, OR 97302
* $ n/a 1 $ 485,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 1 $ 355,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ n/a 1 $ 245,000
Advia Credit Union
550 S RIVERVIEW DR
KALAMAZOO, MI 49009
* $ n/a 1 $ 35,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 675,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 1 $ 375,000
First Community Credit Union
200 N. ADAMS ST.
COQUILLE, OR 97423
* $ n/a 1 $ 475,000
Conventus Lending LLC
111 POTRERO AVE
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 505,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 2,815,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ n/a 1 $ 505,000
Smartfi Home Loans

SAN DIEGO, CA 92122
* $ n/a 1 $ 1,375,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ n/a 1 $ 355,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ n/a 1 $ 105,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 165,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 1 $ 105,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ n/a 1 $ 5,005,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 685,000
Vellum Mortgage, Inc.
12700 FAIR LAKES CIR SUITE 400
FAIRFAX, VA 22033
* $ n/a 1 $ 605,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 1 $ 525,000
Truwest Credit Union
1667 N PRIEST DR
TEMPE, AZ 85284
* $ n/a 1 $ 1,035,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 1 $ 4,725,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 1 $ 2,245,000
First Federal Savings Bank
303 SHOSHONE ST N
TWIN FALLS, ID 83303
* $ n/a 1 $ 755,000
Gardner Financial Services
3503 PAESANOS PKWY
SAN ANTONIO, TX 78259
* $ n/a 1 $ 465,000
Summit Mortgage Corporation
4700 SW MACADAM AVE
PORTLAND, OR 97239
* $ n/a 1 $ 525,000
Generations Home Loans, LLC
1156 SCENIC DRIVE SUITE 200
MODESTO, CA 95350
* $ n/a 1 $ 555,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ n/a 1 $ 285,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 1 $ 465,000
Augusta Financial, Inc.
25129 THE OLD ROAD, SUITE 350
SANTA CLARITA, CA 91381
* $ n/a 1 $ 545,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ n/a 1 $ 6,105,000
5th Sreet Capital Inc.
2020 CAMINO DEL RIO N #300
SAN DIEGO, CA 92108
* $ n/a 1 $ 605,000
First Federal Bank & Trust

BILLINGS, MT 59106
* $ n/a 1 $ 365,000
Southern Michigan Bank & Trust
51 WEST PEARL STREET
COLDWATER, MI 49036
* $ n/a 1 $ 535,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 1 $ 345,000
Keystone Funding, Inc
519 S RED HAVEN LN
DOVER, DE 19901
* $ n/a 1 $ 535,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ n/a 1 $ 1,455,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 805,000
Barh Dunmore LLC

LOS ANGELES, CA 90024
* $ n/a 1 $ 1,545,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 345,000

The tables below break down 2025 mortgage applications in Kootenai 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 Kootenai County, ID in 2025

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 4,686 $2,310,310,000 $493,000 $26,135,000 $192,000 $9,811,000
Cash-out Refinancing 2,021 $632,815,000 $313,000 $15,005,000 $144,000 $3,460,000
Refinancing 1,455 $695,245,000 $477,000 $33,035,000 $163,000 $2,356,000
Home Improvement 1,224 $233,360,000 $190,000 $14,275,000 $162,000 $4,800,000
Other Purpose 1,086 $213,780,000 $196,000 $6,935,000 $179,000 $9,094,000
Not Applicable 7 $2,135,000 $305,000 $955,000 $124,000 $200,000

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 7,292 $2,597,210,000 $356,000 $5,435,000 $169,000 $9,365,000
Not Provided 1,467 $584,565,000 $398,000 $4,005,000 $197,000 $9,811,000
Not applicable 1,118 $710,100,000 $635,000 $33,035,000 $166,000 $1,028,000
Hispanic 324 $98,100,000 $302,000 $2,485,000 $190,000 $3,360,000
American Indian or Alaskan Native 132 $45,070,000 $341,000 $1,605,000 $144,000 $1,428,000
Asian 102 $36,150,000 $354,000 $1,335,000 $149,000 $522,000
Black or African American 26 $11,010,000 $423,000 $855,000 $169,000 $419,000
Native Hawaiian or Other Pacific Islander 17 $5,335,000 $313,000 $505,000 $111,000 $164,000

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) 8,433 $3,137,985,000 $372,000 $33,035,000 $184,000 $9,811,000
VA-guaranteed (Veterans Administration) 1,046 $547,400,000 $523,000 $1,715,000 $130,000 $1,599,000
FHA-insured (Federal Housing Administration) 996 $402,190,000 $403,000 $785,000 $104,000 $881,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $70,000 $17,000 $25,000 $101,000 $113,000

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 5,882 $2,331,950,000 $396,000 $33,035,000 $178,000 $9,811,000
Application Withdrawn By Applicant 1,346 $549,210,000 $408,000 $4,005,000 $187,000 $9,365,000
Application Denied By Financial Institution 1,317 $416,445,000 $316,000 $21,135,000 $140,000 $4,401,000
Loan Purchased By The Institution 1,184 $484,620,000 $409,000 $2,475,000 $156,000 $1,393,000
Application Approved But Not Accepted 398 $164,660,000 $413,000 $21,655,000 $171,000 $1,081,000
File Closed For Incompleteness 341 $135,805,000 $398,000 $5,005,000 $192,000 $5,496,000
Preapproval Approved but not Accepted 10 $4,610,000 $461,000 $675,000 $146,000 $222,000
Preapproval Denied by Financial Institution 1 $345,000 $345,000 $345,000 $63,000 $63,000

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 9,103 $3,651,845,000 $401,000 $33,035,000 $177,000 $9,811,000
Debt-To-Income Ratio 656 $197,660,000 $301,000 $4,725,000 $122,000 $9,365,000
Collateral 205 $57,135,000 $278,000 $2,485,000 $174,000 $2,000,000
Credit History 181 $46,965,000 $259,000 $4,005,000 $159,000 $2,888,000
Credit Application Incomplete 152 $38,050,000 $250,000 $1,435,000 $140,000 $901,000
Other 103 $67,905,000 $659,000 $21,135,000 $192,000 $4,401,000
Unverifiable Information 52 $18,230,000 $350,000 $1,905,000 $323,000 $2,538,000
Insufficient Cash (Downpayment, Closing Cost) 19 $7,165,000 $377,000 $695,000 $143,000 $319,000
Employment History 8 $2,690,000 $336,000 $705,000 $111,000 $237,000
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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