Lincoln County, ID Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 358 mortgage applications in Lincoln County, ID totaling $61.8 million, up 32% from 2020. The average application was for $172,000, and applicants reported an average income of $91,000. 59% of applications resulted in an originated loan and 15% were denied. The most active lender was Idaho Central Credit Union, with 64 applications, followed by First Federal Savings Bank and Guild Mortgage Company.
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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 | 358 |
| Total Mortgage Loan Application Amount | $61,800,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $2,400,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 5,070,732,000 | 64 | $ 8,690,000 |
| First Federal Savings Bank 303 SHOSHONE ST N TWIN FALLS, ID 83303 |
* | $ 705,774,000 | 31 | $ 5,395,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 20 | $ 3,910,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 16 | $ 3,560,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 16 | $ 3,390,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 1,793,987,000 | 16 | $ 2,270,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 9,348,808,000 | 9 | $ 905,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 8 | $ 1,360,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 1,185,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 1,015,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 6 | $ 1,450,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 680,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,010,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 6 | $ 1,070,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 6 | $ 960,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 5 | $ 595,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 1,035,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 730,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 4 | $ 890,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 4 | $ 650,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 1,340,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 4 | $ 950,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ 869,311,000 | 4 | $ 370,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 710,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 860,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 4 | $ 940,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 585,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 645,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 635,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 69,171,552,000 | 3 | $ 295,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 695,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 385,000 |
| Pioneer Federal Credit Union 250 SOUTH 3RD WEST MOUNTAIN HOME, ID 83647 |
* | $ 489,762,000 | 3 | $ 315,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 3 | $ 815,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 545,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 390,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 420,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 430,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 2 | $ 270,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 400,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ 405,330,000 | 2 | $ 340,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 2 | $ 630,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 460,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 115,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 285,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 275,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 1,283,566,000 | 1 | $ 165,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 105,000 |
| Capital Educators Fed CU PO BOX 570 (275 S STRATFORD DR) MERIDIAN, ID 83680 |
* | $ 783,074,000 | 1 | $ 155,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 16,420,261,000 | 1 | $ 45,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 215,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 355,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 55,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 255,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,121,213,000 | 1 | $ 215,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 215,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 11,712,644,000 | 1 | $ 85,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 175,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 275,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 75,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 315,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 195,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 265,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 25,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 235,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 105,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 105,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 125,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 265,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 175,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 195,000 |
The tables below break down 2021 mortgage applications in Lincoln 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 Lincoln County, ID in 2021
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 | 130 | $27,930,000 | $214,000 | $655,000 | $100,000 | $2,050,000 |
| Refinancing | 105 | $16,765,000 | $159,000 | $325,000 | $100,000 | $2,400,000 |
| Cash-out Refinancing | 84 | $13,070,000 | $155,000 | $355,000 | $70,000 | $161,000 |
| Home Improvement | 29 | $3,215,000 | $110,000 | $305,000 | $92,000 | $429,000 |
| Other Purpose | 10 | $820,000 | $82,000 | $235,000 | $70,000 | $135,000 |
| Not Applicable | 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 | 233 | $39,205,000 | $168,000 | $635,000 | $102,000 | $2,400,000 |
| Hispanic | 59 | $9,955,000 | $168,000 | $655,000 | $65,000 | $438,000 |
| Not Provided | 47 | $9,315,000 | $198,000 | $565,000 | $76,000 | $293,000 |
| Not applicable | 15 | $2,705,000 | $180,000 | $315,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $375,000 | $125,000 | $195,000 | $41,000 | $76,000 |
| Asian | 1 | $245,000 | $245,000 | $245,000 | $53,000 | $53,000 |
| Black or African American | 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) | 285 | $46,645,000 | $163,000 | $655,000 | $97,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 37 | $7,215,000 | $195,000 | $355,000 | $64,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,885,000 | $217,000 | $565,000 | $59,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,055,000 | $228,000 | $275,000 | $58,000 | $68,000 |
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 | 211 | $37,065,000 | $175,000 | $655,000 | $92,000 | $2,050,000 |
| Application Denied By Financial Institution | 52 | $7,820,000 | $150,000 | $345,000 | $106,000 | $2,400,000 |
| Application Withdrawn By Applicant | 33 | $6,045,000 | $183,000 | $315,000 | $91,000 | $300,000 |
| File Closed For Incompleteness | 23 | $4,095,000 | $178,000 | $425,000 | $74,000 | $163,000 |
| Application Approved But Not Accepted | 21 | $3,065,000 | $145,000 | $315,000 | $66,000 | $150,000 |
| Loan Purchased By The Institution | 17 | $3,405,000 | $200,000 | $355,000 | $100,000 | $293,000 |
| Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $61,000 | $61,000 |
| 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 | 305 | $53,815,000 | $176,000 | $655,000 | $88,000 | $2,050,000 |
| Debt-To-Income Ratio | 15 | $2,785,000 | $185,000 | $325,000 | $234,000 | $2,400,000 |
| Credit History | 12 | $1,440,000 | $120,000 | $265,000 | $45,000 | $75,000 |
| Collateral | 11 | $1,515,000 | $137,000 | $345,000 | $75,000 | $155,000 |
| Credit Application Incomplete | 5 | $575,000 | $115,000 | $185,000 | $62,000 | $107,000 |
| Other | 5 | $755,000 | $151,000 | $275,000 | $65,000 | $112,000 |
| Unverifiable Information | 3 | $635,000 | $211,000 | $315,000 | $53,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $280,000 | $140,000 | $145,000 | $16,000 | $16,000 |
| 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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