Oneida County, ID Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 255 mortgage applications in Oneida County, ID totaling $30.5 million, down 16% from 2007. The average application was for $119,000, and applicants reported an average income of $57,000. 38% of applications resulted in an originated loan and 29% were denied. The most active lender was Countrywide Bank FSB, with 32 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 | 255 |
| Total Mortgage Loan Application Amount | $30,490,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $168,000 |
* 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 Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 32 | $ 3,842,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 22 | $ 2,167,000 |
| Ireland Bank 33 BANNOCK STREET MALAD CITY, ID 83252 |
* | $ 192,991,000 | 22 | $ 2,372,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 17 | $ 2,072,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 15 | $ 2,458,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 12 | $ 1,483,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 11 | $ 685,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 970,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 9 | $ 1,137,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 1,060,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 8 | $ 1,054,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 5 | $ 721,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 5 | $ 628,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 808,000 |
| Wells Fargo Fin'l Idaho, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 5 | $ 437,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 4 | $ 394,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 3 | $ 250,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 4,156,253,000 | 3 | $ 445,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 418,629,000 | 3 | $ 124,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 18,453,976,000 | 3 | $ 294,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 3 | $ 387,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 24,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 2 | $ 242,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 372,000 |
| Lookout Credit Union 707 S 9TH AVE POCATELLO, ID 83201 |
* | $ 84,118,000 | 2 | $ 262,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 696,225,000 | 2 | $ 286,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 186,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 275,851,000 | 2 | $ 381,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 323,000 |
| American Mortgage Specialists 16100 N GREENWAY HAYDEN LOOP STE 108 SCOTTSDALE, AZ 85260 |
* | $ 38,791,000 | 2 | $ 234,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 2 | $ 303,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 80,000 |
| Preferred Financial Funding 935 S MT VERNON AVENUE COLTON, CA 92324 |
* | $ 2,205,000 | 2 | $ 236,000 |
| Trust One Mortgage Corporation 108 PACIFICA, SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 150,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 60,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 72,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 1 | $ 255,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 215,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 25,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 742,340,000 | 1 | $ 71,000 |
| Golf Savings Bank 6505 218TH ST SW SUITE 6 MOUNTLAKE TERRACE, WA 98043 |
* | $ 399,805,000 | 1 | $ 143,000 |
| Progressive Mortgage Company 125 S. FIFTH AVE. ANN ARBOR, MI 48104 |
* | $ 327,000,000 | 1 | $ 223,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 167,000 |
| Washington Federal S&L 425 PIKE STREET SEATTLE, WA 98101 |
* | $ 10,577,104,000 | 1 | $ 276,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 622,612,000 | 1 | $ 80,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 249,679,000 | 1 | $ 154,000 |
| Wells Fargo Fin'l Utah, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 124,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 92,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 79,000 |
The tables below break down 2008 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 2008
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 | 153 | $19,073,000 | $124,000 | $347,000 | $58,000 | $168,000 |
| Home Purchase | 75 | $10,240,000 | $136,000 | $565,000 | $54,000 | $150,000 |
| Home Improvement | 27 | $1,177,000 | $43,000 | $155,000 | $56,000 | $143,000 |
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 | 216 | $24,872,000 | $115,000 | $565,000 | $58,000 | $168,000 |
| Not Provided | 24 | $3,330,000 | $138,000 | $319,000 | $53,000 | $130,000 |
| Not applicable | 8 | $1,327,000 | $165,000 | $347,000 | $37,000 | $92,000 |
| Hispanic | 5 | $657,000 | $131,000 | $333,000 | $70,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $273,000 | $273,000 | $273,000 | $58,000 | $58,000 |
| Black or African American | 1 | $31,000 | $31,000 | $31,000 | $39,000 | $39,000 |
| 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) | 176 | $21,264,000 | $120,000 | $565,000 | $61,000 | $168,000 |
| FHA-insured (Federal Housing Administration) | 67 | $8,148,000 | $121,000 | $275,000 | $49,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $862,000 | $86,000 | $135,000 | $34,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 2 | $216,000 | $108,000 | $137,000 | $58,000 | $77,000 |
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 | 98 | $11,781,000 | $120,000 | $347,000 | $57,000 | $155,000 |
| Application Denied By Financial Institution | 74 | $7,672,000 | $103,000 | $333,000 | $60,000 | $168,000 |
| Loan Purchased By The Institution | 35 | $4,996,000 | $142,000 | $347,000 | $50,000 | $152,000 |
| Application Withdrawn By Applicant | 29 | $4,201,000 | $144,000 | $565,000 | $56,000 | $150,000 |
| Application Approved But Not Accepted | 13 | $1,364,000 | $104,000 | $228,000 | $53,000 | $94,000 |
| File Closed For Incompleteness | 6 | $476,000 | $79,000 | $121,000 | $60,000 | $128,000 |
| 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 | 11 | $1,155,000 | $105,000 | $170,000 | $53,000 | $124,000 |
| Credit History | 10 | $1,051,000 | $105,000 | $223,000 | $55,000 | $94,000 |
| Collateral | 8 | $968,000 | $121,000 | $217,000 | $71,000 | $123,000 |
| Credit Application Incomplete | 3 | $231,000 | $77,000 | $116,000 | $57,000 | $90,000 |
| Other | 2 | $176,000 | $88,000 | $126,000 | $57,000 | $65,000 |
| Unverifiable Information | 2 | $502,000 | $251,000 | $265,000 | $142,000 | $155,000 |
| 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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