Mountain West Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Mountain West Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Mountain West Bank P O Box 1059 Coeur D'alene, ID 83816 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,850 |
| Total Mortgage Loan Application Amount | $316,874,000 |
| Average Mortgage Loan Application Amount | $182,894 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $160,000 |
| Highest Applicant Income | $2,991,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Mountain West Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mountain West Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Mountain West Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mountain West Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Mountain West Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mountain West Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kootenai County Idaho | 1,064 | $ 187,068,000 | $ 175,000 | $ 61,000 |
| Bonner County Idaho | 231 | $ 39,783,000 | $ 172,000 | $ 88,000 |
| Ada County Idaho | 159 | $ 24,922,000 | $ 156,000 | $ 63,000 |
| Pend Oreille County Washington | 102 | $ 13,658,000 | $ 133,000 | $ 70,000 |
| Spokane County Washington | 65 | $ 10,905,000 | $ 167,000 | $ 67,000 |
| Canyon County Idaho | 57 | $ 6,216,000 | $ 109,000 | $ 56,000 |
| Blaine County Idaho | 37 | $ 12,045,000 | $ 325,000 | $ 101,000 |
| Boundary County Idaho | 29 | $ 5,274,000 | $ 181,000 | $ 95,000 |
| Shoshone County Idaho | 19 | $ 2,038,000 | $ 107,000 | $ 56,000 |
| Latah County Idaho | 6 | $ 514,000 | $ 85,000 | $ 59,000 |
| Box Elder County Utah | 6 | $ 477,000 | $ 79,000 | $ 40,000 |
| Summit County Utah | 6 | $ 2,677,000 | $ 446,000 | $ 204,000 |
| Camas County Idaho | 4 | $ 335,000 | $ 83,000 | $ 43,000 |
| Deschutes County Oregon | 4 | $ 618,000 | $ 154,000 | $ 107,000 |
| Grant County Washington | 4 | $ 340,000 | $ 85,000 | $ 67,000 |
| Riverside County California | 3 | $ 337,000 | $ 112,000 | $ 169,000 |
| San Diego County California | 3 | $ 853,000 | $ 284,000 | $ 144,000 |
| Benewah County Idaho | 3 | $ 422,000 | $ 140,000 | $ 52,000 |
| Salt Lake County Utah | 3 | $ 454,000 | $ 151,000 | $ 369,000 |
| Maricopa County Arizona | 2 | $ 1,058,000 | $ 529,000 | $ 1,189,000 |
| Imperial County California | 2 | $ 202,000 | $ 101,000 | $ 109,000 |
| Bonneville County Idaho | 2 | $ 149,000 | $ 74,000 | $ 95,000 |
| Payette County Idaho | 2 | $ 375,000 | $ 187,000 | $ 118,000 |
| Twin Falls County Idaho | 2 | $ 280,000 | $ 140,000 | $ 48,000 |
| Mecklenburg County North Carolina | 2 | $ 167,000 | $ 83,000 | $ 127,000 |
| Clackamas County Oregon | 2 | $ 119,000 | $ 59,000 | $ 49,000 |
| Douglas County Oregon | 2 | $ 436,000 | $ 218,000 | $ 81,000 |
| Denton County Texas | 2 | $ 164,000 | $ 82,000 | $ 150,000 |
| Snohomish County Washington | 2 | $ 482,000 | $ 241,000 | $ 49,000 |
| Kenai Peninsula County Alaska | 1 | $ 295,000 | $ 295,000 | $ 94,000 |
| Sacramento County California | 1 | $ 150,000 | $ 150,000 | $ 97,000 |
| Ventura County California | 1 | $ 460,000 | $ 460,000 | $ 105,000 |
| Boise County Idaho | 1 | $ 48,000 | $ 48,000 | $ 45,000 |
| Clearwater County Idaho | 1 | $ 208,000 | $ 208,000 | $ 62,000 |
| Fremont County Idaho | 1 | $ 170,000 | $ 170,000 | $ 139,000 |
| Gem County Idaho | 1 | $ 100,000 | $ 100,000 | $ 27,000 |
| Idaho County Idaho | 1 | $ 35,000 | $ 35,000 | $ 126,000 |
| Owyhee County Idaho | 1 | $ 87,000 | $ 87,000 | $ 24,000 |
| Teton County Idaho | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| Valley County Idaho | 1 | $ 192,000 | $ 192,000 | $ 122,000 |
| Flathead County Montana | 1 | $ 121,000 | $ 121,000 | $ 36,000 |
| Mineral County Montana | 1 | $ 79,000 | $ 79,000 | $ 37,000 |
| Missoula County Montana | 1 | $ 131,000 | $ 131,000 | $ 177,000 |
| Randolph County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 37,000 |
| Clatsop County Oregon | 1 | $ 500,000 | $ 500,000 | $ 173,000 |
| Hood River County Oregon | 1 | $ 30,000 | $ 30,000 | $ 21,000 |
| Lane County Oregon | 1 | $ 504,000 | $ 504,000 | $ 368,000 |
| Collin County Texas | 1 | $ 149,000 | $ 149,000 | $ 46,000 |
| Hutchinson County Texas | 1 | $ 139,000 | $ 139,000 | $ 88,000 |
| Weber County Utah | 1 | $ 221,000 | $ 221,000 | $ 65,000 |
| Chesterfield County Virginia | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| King County Washington | 1 | $ 176,000 | $ 176,000 | $ 52,000 |
| Kittitas County Washington | 1 | $ 124,000 | $ 124,000 | $ 29,000 |
| Stevens County Washington | 1 | $ 200,000 | $ 200,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Mountain West Bank 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 | 1,172 | $198,161,000 | $199,818 | $1,600,000 | $226,363 | $2,991,000 |
| Refinancing | 616 | $112,232,000 | $183,000 | $1,341,000 | $68,000 | $1,147,000 |
| Home Improvement | 62 | $6,481,000 | $89,500 | $480,000 | $71,000 | $165,000 |
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 | 1,800 | $309,444,000 | $204,818 | $1,600,000 | $195,454 | $2,991,000 |
| Hispanic | 14 | $2,021,000 | $126,000 | $385,000 | $59,000 | $93,000 |
| Asian | 13 | $1,389,000 | $106,000 | $155,000 | $78,000 | $188,000 |
| Not Provided | 13 | $2,329,000 | $139,000 | $440,000 | $118,500 | $420,000 |
| American Indian or Alaskan Native | 7 | $1,259,000 | $166,500 | $270,000 | $59,000 | $165,000 |
| Black or African American | 2 | $269,000 | $134,000 | $138,000 | $35,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $163,000 | $163,000 | $163,000 | $42,000 | $42,000 |
| Not applicable | 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) | 1,671 | $292,107,000 | $204,727 | $1,600,000 | $196,454 | $2,991,000 |
| FHA-insured (Federal Housing Administration) | 105 | $14,162,000 | $131,500 | $238,000 | $49,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 43 | $6,306,000 | $142,500 | $285,000 | $45,000 | $92,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $4,299,000 | $114,666 | $187,000 | $43,666 | $79,000 |
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 | 1,487 | $253,622,000 | $201,363 | $1,600,000 | $206,181 | $2,991,000 |
| Application Approved But Not Accepted | 227 | $42,350,000 | $367,250 | $915,000 | $54,500 | $365,000 |
| Application Denied By Financial Institution | 79 | $10,835,000 | $117,666 | $406,000 | $83,166 | $334,000 |
| Application Withdrawn By Applicant | 57 | $10,067,000 | $225,000 | $1,341,000 | $63,000 | $354,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 29 | $3,898,000 | $115,500 | $317,000 | $60,250 | $334,000 |
| Collateral | 24 | $3,421,000 | $122,000 | $406,000 | $112,000 | $258,000 |
| Other | 12 | $1,627,000 | $161,333 | $218,000 | $48,666 | $80,000 |
| Debt-To-Income Ratio | 10 | $1,427,000 | $102,000 | $240,000 | $37,333 | $88,000 |
| Employment History | 4 | $462,000 | $116,000 | $149,000 | $41,500 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mountain West Bank'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 Mountain West Bank'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.