Lewis County, ID Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 116 mortgage applications in Lewis County, ID totaling $22.3 million, down 3% from 2023. The average application was for $192,000, and applicants reported an average income of $91,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Freedom Northwest Credit Union, with 17 applications, followed by Mortgage Research Center and United Wholesale Mortgage.
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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 | 116 |
| Total Mortgage Loan Application Amount | $22,280,000 |
| Average Mortgage Loan Application Amount | $192,000 |
| Highest Mortgage Loan Application Amount | $665,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $430,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Freedom Northwest Credit Union 303 MAIN ST KAMIAH, ID 83536 |
* | $ n/a | 17 | $ 2,055,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 1,880,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 2,600,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 4 | $ 1,370,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 550,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 920,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 575,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 675,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 3 | $ 295,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ n/a | 3 | $ 445,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ n/a | 3 | $ 225,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 1,005,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ n/a | 3 | $ 375,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 725,000 |
| Wallick and Volk, Inc. 222 E. 18TH ST. CHEYENNE, WY 82001 |
* | $ n/a | 2 | $ 260,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 320,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 370,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 130,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 2 | $ 790,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 2 | $ 450,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 360,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 2 | $ 410,000 |
| Home Mortgage Alliance Corp (Hmac) 4 HUTTON CENTER DR. SUITE 500 SANTA ANA, CA 92707 |
* | $ n/a | 2 | $ 270,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 395,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 215,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 65,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 155,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 395,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 95,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 235,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ n/a | 1 | $ 295,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 35,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 385,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 85,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 225,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 175,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 185,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ n/a | 1 | $ 245,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 235,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 195,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2024 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 2024
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 | 49 | $10,975,000 | $223,000 | $665,000 | $95,000 | $346,000 |
| Cash-out Refinancing | 26 | $4,700,000 | $180,000 | $395,000 | $85,000 | $430,000 |
| Refinancing | 21 | $4,385,000 | $208,000 | $565,000 | $72,000 | $155,000 |
| Other Purpose | 14 | $1,560,000 | $111,000 | $575,000 | $85,000 | $179,000 |
| Home Improvement | 5 | $585,000 | $117,000 | $305,000 | $175,000 | $313,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $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 | 85 | $16,025,000 | $188,000 | $575,000 | $91,000 | $430,000 |
| Not Provided | 12 | $2,820,000 | $235,000 | $665,000 | $81,000 | $346,000 |
| Not applicable | 11 | $2,115,000 | $192,000 | $395,000 | $0 | $0 |
| Hispanic | 4 | $600,000 | $150,000 | $245,000 | $162,000 | $177,000 |
| American Indian or Alaskan Native | 3 | $475,000 | $158,000 | $295,000 | $47,000 | $65,000 |
| Black or African American | 1 | $245,000 | $245,000 | $245,000 | $31,000 | $31,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 72 | $12,460,000 | $173,000 | $665,000 | $97,000 | $430,000 |
| VA-guaranteed (Veterans Administration) | 23 | $5,565,000 | $241,000 | $415,000 | $66,000 | $144,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,835,000 | $201,000 | $395,000 | $86,000 | $363,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $420,000 | $210,000 | $235,000 | $94,000 | $94,000 |
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 | 65 | $12,175,000 | $187,000 | $665,000 | $83,000 | $363,000 |
| Application Withdrawn By Applicant | 18 | $4,080,000 | $226,000 | $575,000 | $101,000 | $313,000 |
| Application Denied By Financial Institution | 17 | $2,815,000 | $165,000 | $455,000 | $97,000 | $250,000 |
| Loan Purchased By The Institution | 10 | $2,010,000 | $201,000 | $395,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $595,000 | $198,000 | $245,000 | $70,000 | $94,000 |
| File Closed For Incompleteness | 3 | $605,000 | $201,000 | $375,000 | $184,000 | $430,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 81 | $17,165,000 | $211,000 | $665,000 | $95,000 | $430,000 |
| Debt-To-Income Ratio | 23 | $3,005,000 | $130,000 | $345,000 | $63,000 | $153,000 |
| Credit History | 6 | $1,140,000 | $190,000 | $455,000 | $125,000 | $250,000 |
| Collateral | 3 | $465,000 | $155,000 | $335,000 | $120,000 | $153,000 |
| Other | 2 | $350,000 | $175,000 | $285,000 | $84,000 | $143,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $179,000 | $179,000 |
| Unverifiable Information | 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 |
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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