Icon Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, Icon Credit Union of Boise, ID reported 328 mortgage applications totaling $74.4 million, about the same as 2019. The average application was for $226,798, and applicants reported an average income of $99,033. 89% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Boise City, ID (277), Coeur D'Alene, ID (2) and Spokane-Spokane Valley, WA (2) (applications in parentheses).
| Mortgage Company & Address | Icon Credit Union 7615 W. Riverside Dr. Boise, ID 83714 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 328 |
| Total Mortgage Loan Application Amount | $74,390,000 |
| Average Mortgage Loan Application Amount | $226,798 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $99,033 |
| Highest Applicant Income | $800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Icon Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Ada, Idaho | 215 | $ 51,305,000 | $ 238,627 | $ 102,000 |
| Canyon, Idaho | 52 | $ 10,410,000 | $ 200,192 | $ 73,000 |
| Union, Oregon | 7 | $ 1,105,000 | $ 157,857 | $ 114,000 |
| Washington, Idaho | 6 | $ 920,000 | $ 153,333 | $ 93,000 |
| Boise, Idaho | 5 | $ 725,000 | $ 145,000 | $ 58,000 |
| Payette, Idaho | 4 | $ 340,000 | $ 85,000 | $ 60,000 |
| Gem, Idaho | 3 | $ 395,000 | $ 131,666 | $ 52,000 |
| Valley, Idaho | 3 | $ 625,000 | $ 208,333 | $ 238,000 |
| Elmore, Idaho | 2 | $ 180,000 | $ 90,000 | $ 94,000 |
| Kootenai, Idaho | 2 | $ 230,000 | $ 115,000 | $ 47,000 |
| Owyhee, Idaho | 2 | $ 730,000 | $ 365,000 | $ 136,000 |
| Spokane, Washington | 2 | $ 630,000 | $ 315,000 | $ 124,000 |
| Santa Clara, California | 1 | $ 505,000 | $ 505,000 | $ 165,000 |
| Bannock, Idaho | 1 | $ 115,000 | $ 115,000 | $ 115,000 |
| Bingham, Idaho | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Bonneville, Idaho | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Fremont, Idaho | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Wallowa, Oregon | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Icon Credit Union 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 152 | $33,610,000 | $221,000 | $515,000 | $88,000 | $232,000 |
| Refinancing | 124 | $27,990,000 | $225,000 | $515,000 | $103,000 | $732,000 |
| Home Purchase | 50 | $12,300,000 | $246,000 | $515,000 | $121,000 | $800,000 |
| Not Applicable | 1 | $225,000 | $225,000 | $225,000 | $0 | $0 |
| Home Improvement | 1 | $265,000 | $265,000 | $265,000 | $186,000 | $186,000 |
| Other Purpose | 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 | 290 | $65,060,000 | $224,000 | $515,000 | $100,000 | $800,000 |
| Not Provided | 16 | $4,680,000 | $292,000 | $515,000 | $108,000 | $232,000 |
| Hispanic | 13 | $2,595,000 | $199,000 | $395,000 | $64,000 | $118,000 |
| Asian | 3 | $745,000 | $248,000 | $425,000 | $107,000 | $157,000 |
| Black or African American | 3 | $215,000 | $71,000 | $125,000 | $45,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $505,000 | $505,000 | $505,000 | $165,000 | $165,000 |
| Not applicable | 1 | $405,000 | $405,000 | $405,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $56,000 | $56,000 |
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) | 317 | $70,635,000 | $222,000 | $515,000 | $99,000 | $800,000 |
| VA-guaranteed (Veterans Administration) | 10 | $3,420,000 | $342,000 | $475,000 | $87,000 | $124,000 |
| FHA-insured (Federal Housing Administration) | 1 | $335,000 | $335,000 | $335,000 | $116,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 291 | $65,565,000 | $225,000 | $515,000 | $98,000 | $732,000 |
| Application Withdrawn By Applicant | 25 | $5,885,000 | $235,000 | $515,000 | $110,000 | $800,000 |
| File Closed For Incompleteness | 5 | $1,355,000 | $271,000 | $485,000 | $92,000 | $144,000 |
| Application Denied By Financial Institution | 5 | $825,000 | $165,000 | $315,000 | $83,000 | $124,000 |
| Preapproval Approved but not Accepted | 2 | $760,000 | $380,000 | $505,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 323 | $73,565,000 | $227,000 | $515,000 | $99,000 | $800,000 |
| Other | 2 | $590,000 | $295,000 | $315,000 | $103,000 | $124,000 |
| Employment History | 2 | $120,000 | $60,000 | $115,000 | $48,000 | $66,000 |
| Debt-To-Income Ratio | 1 | $115,000 | $115,000 | $115,000 | $115,000 | $115,000 |
| Unverifiable Information | 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Icon Credit Union's 2020 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 Icon Credit Union'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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