Madison County, ID Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,124 mortgage applications in Madison County, ID totaling $172.8 million, down 22% from 2010. The average application was for $153,000, and applicants reported an average income of $75,000. 44% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 160 applications, followed by Beehive Federal Credit Union and Franklin American Mortgage Company.

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Total Number of Mortgage Applications 1,124
Total Mortgage Loan Application Amount $172,759,000
Average Mortgage Loan Application Amount $153,000
Highest Mortgage Loan Application Amount $1,630,000
Average Applicant Income $75,000
Highest Applicant Income $5,304,000

Mortgage Company List for Lending in Madison County, ID for 2011

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 160 $ 25,623,000
Beehive Federal Credit Union
PO BOX 40
REXBURG, ID 83440
* $ 157,905,000 119 $ 11,928,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 70 $ 11,926,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 54 $ 7,599,000
Citizens Community Bank
280 SOUTH ARTHUR AVE
POCATELLO, ID 83204
* $ 289,571,000 50 $ 8,380,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 42 $ 6,327,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 39 $ 6,299,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 39 $ 5,938,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 16,343,046,000 35 $ 4,610,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 34 $ 5,978,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 499,416,000 32 $ 5,064,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 13,324,563,000 27 $ 4,759,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 26 $ 4,374,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 24 $ 1,890,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 24 $ 3,754,000
The Bank of Commerce
3113 SOUTH 25TH EAST
AMMON, ID 83406
* $ 777,070,000 23 $ 3,850,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 20 $ 2,947,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 19 $ 4,679,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ 447,349,000 18 $ 1,468,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 18 $ 2,211,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 18 $ 2,633,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 865,515,000 13 $ 1,857,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 13 $ 1,854,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 12 $ 2,181,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 11 $ 1,865,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 11 $ 2,229,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 9 $ 1,301,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 9 $ 1,556,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 9 $ 2,042,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 7 $ 1,306,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 1,025,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 6 $ 1,475,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE #2
MURRAY, UT 84107
* $ 10,000,000 5 $ 724,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 4 $ 612,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 4 $ 836,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ 939,587,000 3 $ 432,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 3 $ 635,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 3 $ 459,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ 4,658,882,000 3 $ 925,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 3 $ 652,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 3 $ 470,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 3 $ 479,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 633,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 420,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 237,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 2 $ 479,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 351,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 24,055,290,000 2 $ 396,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 11,750,980,000 2 $ 366,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 93,000
Americanwest Bank
P O BOX 105
CHEWELAH, WA 99109
* $ 1,624,110,000 2 $ 225,000
Sterling Savings Bank
111 N WALL ST
SPOKANE, WA 99201
* $ 9,501,245,000 2 $ 270,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,117,000 2 $ 499,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 2 $ 238,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 2 $ 327,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 2 $ 341,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ 746,890,000 2 $ 518,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 2 $ 439,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 481,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 59,517,025,000 2 $ 295,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 2 $ 359,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 200,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 2 $ 337,000
Frontier Credit Union
865 S WOODRUFF AVE
IDAHO FALLS, ID 83401
* $ 237,695,000 2 $ 189,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 2 $ 416,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 384,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 1,546,329,000 2 $ 210,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ 398,111,000 1 $ 135,000
Hapo Community Credit Union
7601 W CLEARWATER AVE
KENNEWICK, WA 99336
* $ 845,687,000 1 $ 118,000
Tri-Emerald Financial Group, Inc.
85 ENTERPRISE, SUITE 100
ALISO VIEJO, CA 92656
* $ 39,000,000 1 $ 308,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 94,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 210,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 97,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 185,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 107,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 130,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 171,000
First Mortgage Corporation
1131 W 6TH STREET
ONTARIO, CA 91762
* $ 10,000,000 1 $ 120,000
Axiom Financial LLC
9350 SOUTH 150 EAST SUITE 140
SANDY, UT 84070
* $ 10,000,000 1 $ 101,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 105,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 198,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 139,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 213,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 51,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 210,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 1 $ 128,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 142,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 177,000

The tables below break down 2011 mortgage applications in Madison 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 Madison County, ID in 2011

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 791 $123,610,000 $156,000 $1,630,000 $70,000 $1,050,000
Home Purchase 312 $46,976,000 $150,000 $427,000 $72,000 $1,483,000
Home Improvement 21 $2,173,000 $103,000 $535,000 $329,000 $5,304,000

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 861 $130,299,000 $151,000 $1,630,000 $88,000 $5,304,000
Not applicable 164 $28,179,000 $171,000 $824,000 $11,000 $269,000
Not Provided 71 $10,712,000 $150,000 $335,000 $75,000 $300,000
Hispanic 19 $2,796,000 $147,000 $427,000 $63,000 $151,000
Asian 7 $603,000 $86,000 $165,000 $38,000 $58,000
Native Hawaiian or Other Pacific Islander 1 $10,000 $10,000 $10,000 $14,000 $14,000
American Indian or Alaskan Native 1 $160,000 $160,000 $160,000 $119,000 $119,000
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) 844 $129,786,000 $153,000 $1,630,000 $84,000 $5,304,000
FHA-insured (Federal Housing Administration) 183 $28,359,000 $154,000 $263,000 $53,000 $310,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 84 $12,339,000 $146,000 $265,000 $41,000 $94,000
VA-guaranteed (Veterans Administration) 13 $2,275,000 $175,000 $260,000 $64,000 $124,000

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 490 $70,319,000 $143,000 $1,630,000 $86,000 $1,483,000
Loan Purchased By The Institution 302 $50,434,000 $167,000 $417,000 $40,000 $338,000
Application Denied By Financial Institution 154 $25,548,000 $165,000 $1,190,000 $116,000 $5,304,000
Application Withdrawn By Applicant 92 $14,260,000 $155,000 $360,000 $69,000 $310,000
Application Approved But Not Accepted 55 $7,226,000 $131,000 $289,000 $74,000 $215,000
File Closed For Incompleteness 31 $4,972,000 $160,000 $415,000 $73,000 $180,000
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 41 $7,946,000 $193,000 $883,000 $64,000 $300,000
Collateral 36 $6,864,000 $190,000 $1,190,000 $240,000 $5,304,000
Other 21 $2,477,000 $117,000 $317,000 $102,000 $420,000
Credit History 18 $2,349,000 $130,000 $325,000 $74,000 $150,000
Credit Application Incomplete 7 $987,000 $141,000 $273,000 $79,000 $153,000
Insufficient Cash (Downpayment, Closing Cost) 2 $326,000 $163,000 $198,000 $101,000 $131,000
Unverifiable Information 1 $212,000 $212,000 $212,000 $70,000 $70,000
Employment History 1 $5,000 $5,000 $5,000 $24,000 $24,000
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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