Clearwater Mortgage, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, Clearwater Mortgage, Inc. of Boise, ID reported 40 mortgage applications totaling $5.0 million. The average application was for $125,375, and applicants reported an average income of $76,350. 0% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Boise City-Nampa, ID (24) and Lakeland, FL (1).
| Mortgage Company & Address | Clearwater Mortgage, Inc. 5414 Morris Hill Ste. 201 Boise, ID 83706 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 40 |
| Total Mortgage Loan Application Amount | $5,015,000 |
| Average Mortgage Loan Application Amount | $125,375 |
| Highest Mortgage Loan Application Amount | $510,000 |
| Average Applicant Income | $76,350 |
| Highest Applicant Income | $549,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clearwater Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| 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-Nampa, ID | 24 | $ 2,220,000 | $ 92,500 | $ 44,000 |
| Lakeland, FL | 1 | $ 316,000 | $ 316,000 | $ 360,000 |
Mortgage Loan Application Detail Totals for Clearwater Mortgage, Inc. in 2005
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 | 21 | $2,417,000 | $210,500 | $316,000 | $207,000 | $360,000 |
| Refinancing | 19 | $2,598,000 | $146,500 | $510,000 | $67,500 | $549,000 |
| Home Improvement | 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 | 31 | $4,108,000 | $199,666 | $510,000 | $162,000 | $549,000 |
| Not Provided | 7 | $578,000 | $82,000 | $135,000 | $37,000 | $52,000 |
| Hispanic | 2 | $329,000 | $164,000 | $201,000 | $91,000 | $137,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 36 | $4,296,000 | $195,333 | $510,000 | $159,000 | $549,000 |
| FHA-insured (Federal Housing Administration) | 4 | $719,000 | $179,000 | $275,000 | $74,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 22 | $2,985,000 | $221,500 | $510,000 | $225,500 | $549,000 |
| Application Denied By Financial Institution | 12 | $1,355,000 | $112,000 | $225,000 | $43,000 | $102,000 |
| File Closed For Incompleteness | 6 | $675,000 | $130,500 | $180,000 | $63,000 | $100,000 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $1,144,000 | $114,000 | $225,000 | $41,000 | $102,000 |
| Other | 1 | $92,000 | $92,000 | $92,000 | $56,000 | $56,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clearwater Mortgage, Inc.'s 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Clearwater Mortgage, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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