Lewis County, ID Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 108 mortgage applications in Lewis County, ID totaling $12.2 million, down 34% from 2013. The average application was for $113,000, and applicants reported an average income of $49,000. 44% of applications resulted in an originated loan and 27% were denied. The most active lender was US Bank, N.A., with 21 applications, followed by Potlatch No 1 Financial Credit U and Wells Fargo Bank NA.
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| 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 | 108 |
| Total Mortgage Loan Application Amount | $12,205,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $382,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $209,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 21 | $ 1,630,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 605,577,000 | 17 | $ 1,441,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 14 | $ 1,777,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 7 | $ 819,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 564,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 398,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 369,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 3,040,697,000 | 2 | $ 392,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 158,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 162,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 2 | $ 257,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 11,626,502,000 | 2 | $ 265,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 4,430,640,000 | 2 | $ 364,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 142,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 234,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 4,165,399,000 | 1 | $ 92,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 18,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Capital Educators Fed CU PO BOX 570 (275 S STRATFORD DR) MERIDIAN, ID 83680 |
* | $ 365,190,000 | 1 | $ 50,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 163,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 18,590,433,000 | 1 | $ 56,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 1 | $ 382,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 94,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 136,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 10,304,811,000 | 1 | $ 201,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 200,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 231,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 103,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 171,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 180,000 |
The tables below break down 2014 mortgage applications in Lewis 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 Lewis County, ID in 2014
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 |
|---|---|---|---|---|---|---|
| Refinancing | 55 | $5,946,000 | $108,000 | $382,000 | $52,000 | $209,000 |
| Home Purchase | 50 | $6,209,000 | $124,000 | $250,000 | $47,000 | $125,000 |
| Home Improvement | 3 | $50,000 | $16,000 | $35,000 | $49,000 | $81,000 |
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 | 80 | $9,140,000 | $114,000 | $382,000 | $53,000 | $209,000 |
| Not Provided | 11 | $1,354,000 | $123,000 | $270,000 | $59,000 | $118,000 |
| Not applicable | 6 | $640,000 | $106,000 | $179,000 | $0 | $0 |
| Hispanic | 5 | $600,000 | $120,000 | $170,000 | $41,000 | $67,000 |
| Asian | 3 | $137,000 | $45,000 | $65,000 | $24,000 | $32,000 |
| American Indian or Alaskan Native | 2 | $278,000 | $139,000 | $201,000 | $62,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $56,000 | $56,000 | $56,000 | $35,000 | $35,000 |
| 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) | 62 | $6,274,000 | $101,000 | $382,000 | $53,000 | $209,000 |
| VA-guaranteed (Veterans Administration) | 22 | $2,973,000 | $135,000 | $250,000 | $49,000 | $118,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,325,000 | $129,000 | $226,000 | $45,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $633,000 | $105,000 | $122,000 | $30,000 | $54,000 |
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 | 48 | $5,947,000 | $123,000 | $382,000 | $58,000 | $209,000 |
| Application Denied By Financial Institution | 29 | $2,911,000 | $100,000 | $270,000 | $50,000 | $102,000 |
| Application Withdrawn By Applicant | 17 | $1,766,000 | $103,000 | $200,000 | $44,000 | $130,000 |
| Loan Purchased By The Institution | 10 | $1,201,000 | $120,000 | $231,000 | $17,000 | $70,000 |
| File Closed For Incompleteness | 3 | $340,000 | $113,000 | $141,000 | $42,000 | $73,000 |
| Application Approved But Not Accepted | 1 | $40,000 | $40,000 | $40,000 | $41,000 | $41,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 8 | $570,000 | $71,000 | $163,000 | $38,000 | $71,000 |
| Collateral | 4 | $467,000 | $116,000 | $200,000 | $52,000 | $102,000 |
| Credit Application Incomplete | 4 | $372,000 | $93,000 | $108,000 | $66,000 | $100,000 |
| Credit History | 4 | $264,000 | $66,000 | $138,000 | $47,000 | $71,000 |
| Other | 2 | $183,000 | $91,000 | $148,000 | $70,000 | $81,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $37,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $93,000 | $93,000 | $93,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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