Firstbank Northwest Mortgage Lending & HMDA Data, 2006
In 2006, Firstbank Northwest of Lewiston, ID reported 819 mortgage applications totaling $110.7 million, down 36% from 2005. The average application was for $135,181, and applicants reported an average income of $75,930. 81% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Coeur D'Alene, ID (166), Boise City-Nampa, ID (151) and Lewiston, ID-WA (142) (applications in parentheses).
| Mortgage Company & Address | Firstbank Northwest 920 Main Street Lewiston, ID 83501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 819 |
| Total Mortgage Loan Application Amount | $110,714,000 |
| Average Mortgage Loan Application Amount | $135,181 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $75,930 |
| Highest Applicant Income | $828,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firstbank Northwest filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kootenai, Idaho | 166 | $ 27,337,000 | $ 164,680 | $ 82,000 |
| Nez Perce, Idaho | 88 | $ 10,081,000 | $ 114,556 | $ 60,000 |
| Ada, Idaho | 86 | $ 20,893,000 | $ 242,941 | $ 130,000 |
| Union, Oregon | 72 | $ 6,568,000 | $ 91,222 | $ 67,000 |
| Canyon, Idaho | 62 | $ 8,169,000 | $ 131,758 | $ 69,000 |
| Asotin, Washington | 54 | $ 7,733,000 | $ 143,203 | $ 77,000 |
| Harney, Oregon | 44 | $ 3,192,000 | $ 72,545 | $ 51,000 |
| Latah, Idaho | 36 | $ 4,594,000 | $ 127,611 | $ 62,000 |
| Baker, Oregon | 33 | $ 3,280,000 | $ 99,393 | $ 69,000 |
| Malheur, Oregon | 27 | $ 1,881,000 | $ 69,666 | $ 52,000 |
| Umatilla, Oregon | 25 | $ 3,532,000 | $ 141,280 | $ 83,000 |
| Spokane, Washington | 24 | $ 2,914,000 | $ 121,416 | $ 47,000 |
| Grant, Oregon | 21 | $ 1,643,000 | $ 78,238 | $ 61,000 |
| Wallowa, Oregon | 18 | $ 1,064,000 | $ 59,111 | $ 44,000 |
| Whitman, Washington | 14 | $ 1,598,000 | $ 114,142 | $ 75,000 |
| Idaho, Idaho | 12 | $ 1,119,000 | $ 93,250 | $ 93,000 |
| Payette, Idaho | 11 | $ 873,000 | $ 79,363 | $ 80,000 |
| Bonner, Idaho | 3 | $ 417,000 | $ 139,000 | $ 48,000 |
| Adams, Idaho | 2 | $ 361,000 | $ 180,500 | $ 7,000 |
| Benewah, Idaho | 2 | $ 263,000 | $ 131,500 | $ 61,000 |
| Clearwater, Idaho | 2 | $ 307,000 | $ 153,500 | $ 88,000 |
| Lewis, Idaho | 2 | $ 298,000 | $ 149,000 | $ 88,000 |
| Shoshone, Idaho | 2 | $ 406,000 | $ 203,000 | $ 151,000 |
| Boise, Idaho | 1 | $ 249,000 | $ 249,000 | $ 26,000 |
| Gem, Idaho | 1 | $ 88,000 | $ 88,000 | $ 20,000 |
| Minidoka, Idaho | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Owyhee, Idaho | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Valley, Idaho | 1 | $ 317,000 | $ 317,000 | $ 171,000 |
| Washington, Idaho | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Benton, Washington | 1 | $ 412,000 | $ 412,000 | $ 115,000 |
| Chelan, Washington | 1 | $ 192,000 | $ 192,000 | $ 140,000 |
| Columbia, Washington | 1 | $ 184,000 | $ 184,000 | $ 70,000 |
| Garfield, Washington | 1 | $ 54,000 | $ 54,000 | $ 230,000 |
| Grays Harbor, Washington | 1 | $ 132,000 | $ 132,000 | $ 315,000 |
| Klickitat, Washington | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Pend Oreille, Washington | 1 | $ 109,000 | $ 109,000 | $ 368,000 |
Mortgage Loan Application Detail Totals for Firstbank Northwest in 2006
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 | 498 | $78,082,000 | $156,000 | $1,000,000 | $78,000 | $828,000 |
| Refinancing | 177 | $24,038,000 | $135,000 | $1,200,000 | $79,000 | $764,000 |
| Home Improvement | 144 | $8,594,000 | $59,000 | $495,000 | $65,000 | $531,000 |
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 | 769 | $104,339,000 | $135,000 | $1,200,000 | $76,000 | $828,000 |
| Hispanic | 21 | $2,215,000 | $105,000 | $495,000 | $84,000 | $389,000 |
| Not Provided | 14 | $1,899,000 | $135,000 | $328,000 | $101,000 | $324,000 |
| Not applicable | 7 | $1,396,000 | $199,000 | $600,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $442,000 | $110,000 | $177,000 | $48,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $267,000 | $133,000 | $196,000 | $37,000 | $58,000 |
| Asian | 1 | $64,000 | $64,000 | $64,000 | $94,000 | $94,000 |
| Black or African American | 1 | $92,000 | $92,000 | $92,000 | $44,000 | $44,000 |
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) | 704 | $94,445,000 | $134,000 | $1,200,000 | $80,000 | $828,000 |
| FHA-insured (Federal Housing Administration) | 82 | $10,766,000 | $131,000 | $203,000 | $48,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,542,000 | $174,000 | $287,000 | $62,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $961,000 | $137,000 | $209,000 | $36,000 | $60,000 |
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 | 664 | $90,172,000 | $135,000 | $1,200,000 | $78,000 | $828,000 |
| Application Denied By Financial Institution | 79 | $9,476,000 | $119,000 | $1,163,000 | $58,000 | $380,000 |
| Application Withdrawn By Applicant | 47 | $7,318,000 | $155,000 | $495,000 | $59,000 | $144,000 |
| Application Approved But Not Accepted | 29 | $3,748,000 | $129,000 | $1,000,000 | $104,000 | $531,000 |
| File Closed For Incompleteness | 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 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Firstbank Northwest's 2006 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 Firstbank Northwest'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.
For a list of all lenders in Idaho, download the full spreadsheet
with aggregated HMDA statistics today.
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