Oneida County, ID Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 305 mortgage applications in Oneida County, ID totaling $31.4 million, down 24% from 2006. The average application was for $102,000, and applicants reported an average income of $66,000. 40% of applications resulted in an originated loan and 30% were denied. The most active lender was Countrywide Home Loans, with 33 applications, followed by Hfc Company LLC and Ireland Bank.
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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 | 305 |
| Total Mortgage Loan Application Amount | $31,390,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $458,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $832,000 |
* 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 |
|---|---|---|---|---|
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 33 | $ 4,000,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 30 | $ 2,673,000 |
| Ireland Bank 33 BANNOCK STREET MALAD CITY, ID 83252 |
* | $ 195,104,000 | 23 | $ 2,155,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 20 | $ 1,981,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 19 | $ 1,689,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 13 | $ 807,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 11 | $ 1,356,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 8 | $ 549,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 602,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 7 | $ 1,237,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 6 | $ 597,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 6 | $ 906,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 638,000 |
| Wells Fargo Fin'l Idaho, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 5 | $ 681,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 5 | $ 422,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 412,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 5 | $ 531,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 4 | $ 341,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 3,709,829,000 | 4 | $ 448,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 4 | $ 333,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 4 | $ 386,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 395,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 14,849,100,000 | 4 | $ 409,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 3 | $ 363,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 3 | $ 311,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 3 | $ 408,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 2 | $ 205,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 214,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 46,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 56,382,388,000 | 2 | $ 126,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 184,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 2 | $ 260,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 2 | $ 267,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 2 | $ 205,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 146,260,800,000 | 2 | $ 287,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 2 | $ 225,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 204,000 |
| Usu Charter Federal CU P.O. BOX 446 LOGAN, UT 84323 |
* | $ 106,189,000 | 1 | $ 86,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 377,425,000 | 1 | $ 51,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 578,589,000 | 1 | $ 158,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Home Capital Funding Inc 3131 CAMINO DEL RIO NORTH SUITE 310 SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 164,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Macquarie Mortgages USA, Inc. 10151 DEERWOOD PARK BLDG 100, SUITE 500 JACKSONVILLE,, FL 32256 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 65,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 5,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 1,039,752,000 | 1 | $ 200,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 65,000 |
| Lewiston State Bank P O BOX 32 LEWISTON, UT 84320 |
* | $ 167,529,000 | 1 | $ 35,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 659,809,000 | 1 | $ 22,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 687,260,000 | 1 | $ 42,000 |
| Mountain West Bank P O BOX 1059 COEUR D'ALENE, ID 83816 |
* | $ 919,084,000 | 1 | $ 69,000 |
| Sunfirst Bank 120 E ST GEORGE BLVD ST GEORGE, UT 84770 |
* | $ 182,583,000 | 1 | $ 80,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 1 | $ 15,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 12,000,000 | 1 | $ 97,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 1 | $ 36,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 1 | $ 133,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 1 | $ 108,000 |
| Bankerswest Funding Corporatio 17595 ALMAHURST STREET, SUITE 100A CITY OF INDUSTRY, CA 91748 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Pmac Lending Services Inc 15325 FAIRFIELD RANCH ROAD STE 200 CHINO HILLS, CA 91709 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 280,000 |
| Vanguard Mortgage & Title, Inc 7921 SOUTH0PARK PLAZA, STE. 100 LITTLETON, CO 80120 |
* | $ 12,522,000 | 1 | $ 68,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 292,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 110,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 65,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 165,673,017,000 | 1 | $ 108,000 |
| Greenpoint Mortgage Funding 100 WOOD HOLLOW DRIVE NOVATO, CA 94945 |
* | $ 6,677,533,000 | 1 | $ 280,000 |
The tables below break down 2007 mortgage applications in Oneida 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 Oneida County, ID in 2007
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 | 187 | $20,621,000 | $110,000 | $458,000 | $63,000 | $832,000 |
| Home Purchase | 84 | $9,373,000 | $111,000 | $324,000 | $70,000 | $677,000 |
| Home Improvement | 34 | $1,396,000 | $41,000 | $215,000 | $67,000 | $163,000 |
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 | 253 | $26,258,000 | $103,000 | $324,000 | $68,000 | $832,000 |
| Not Provided | 27 | $2,369,000 | $87,000 | $278,000 | $60,000 | $155,000 |
| Not applicable | 21 | $2,240,000 | $106,000 | $458,000 | $39,000 | $263,000 |
| Hispanic | 3 | $308,000 | $102,000 | $133,000 | $56,000 | $59,000 |
| Black or African American | 1 | $215,000 | $215,000 | $215,000 | $63,000 | $63,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 278 | $27,953,000 | $100,000 | $458,000 | $67,000 | $832,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,875,000 | $119,000 | $170,000 | $50,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $368,000 | $184,000 | $237,000 | $57,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 1 | $194,000 | $194,000 | $194,000 | $51,000 | $51,000 |
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 | 122 | $12,753,000 | $104,000 | $458,000 | $65,000 | $263,000 |
| Application Denied By Financial Institution | 91 | $8,552,000 | $93,000 | $278,000 | $59,000 | $197,000 |
| Loan Purchased By The Institution | 40 | $4,090,000 | $102,000 | $303,000 | $45,000 | $263,000 |
| Application Withdrawn By Applicant | 28 | $3,301,000 | $117,000 | $300,000 | $96,000 | $677,000 |
| Application Approved But Not Accepted | 21 | $2,151,000 | $102,000 | $280,000 | $96,000 | $832,000 |
| File Closed For Incompleteness | 3 | $543,000 | $181,000 | $292,000 | $70,000 | $84,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 16 | $1,154,000 | $72,000 | $237,000 | $53,000 | $130,000 |
| Collateral | 14 | $1,425,000 | $101,000 | $278,000 | $70,000 | $197,000 |
| Debt-To-Income Ratio | 9 | $873,000 | $97,000 | $208,000 | $41,000 | $98,000 |
| Other | 9 | $1,071,000 | $119,000 | $271,000 | $63,000 | $123,000 |
| Credit Application Incomplete | 7 | $832,000 | $118,000 | $200,000 | $51,000 | $136,000 |
| Unverifiable Information | 5 | $603,000 | $120,000 | $180,000 | $91,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $104,000 | $104,000 | $104,000 | $44,000 | $44,000 |
| 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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