Oneida County, ID Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 211 mortgage applications in Oneida County, ID totaling $24.9 million, up 12% from 2011. The average application was for $117,000, and applicants reported an average income of $53,000. 42% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank NA, with 31 applications, followed by US Bk NA Nd and JPMorgan Chase Bank, NA.
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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 | 211 |
| Total Mortgage Loan Application Amount | $24,872,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $404,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $253,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 31 | $ 3,286,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 24 | $ 1,710,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 15 | $ 2,033,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 13 | $ 1,898,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 10 | $ 1,203,000 |
| Mortgage Advisory Group 2902 COLBY AVENUE EVERETT, WA 98201 |
* | $ 12,500,000 | 9 | $ 1,361,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 8 | $ 991,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 1,011,052,000 | 7 | $ 1,033,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ 745,832,000 | 6 | $ 693,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 6 | $ 787,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 5 | $ 486,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 4 | $ 732,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 575,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 970,450,000 | 3 | $ 328,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 5,095,899,000 | 3 | $ 265,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 17,531,277,000 | 3 | $ 442,000 |
| Ireland Bank 33 BANNOCK STREET MALAD CITY, ID 83252 |
* | $ 212,178,000 | 3 | $ 51,000 |
| Lookout Credit Union 707 S 9TH AVE POCATELLO, ID 83201 |
* | $ 113,035,000 | 2 | $ 129,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 2 | $ 255,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 130,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 2 | $ 203,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 393,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 2 | $ 117,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 495,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 170,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 2 | $ 261,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 248,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,973,405,000 | 2 | $ 222,000 |
| Gateway Bank F.S.B. 360 8TH STREET OAKLAND, CA 94607 |
* | $ 266,820,000 | 1 | $ 37,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 1 | $ 105,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ 10,000,000 | 1 | $ 54,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ 40,000,000 | 1 | $ 90,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 168,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 162,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 70,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 106,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 13,653,019,000 | 1 | $ 160,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 79,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ 156,493,000 | 1 | $ 50,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 74,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 281,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 135,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 70,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 114,000 |
| Citizens Community Bank 280 SOUTH ARTHUR AVE POCATELLO, ID 83204 |
* | $ 361,150,000 | 1 | $ 70,000 |
The tables below break down 2012 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 2012
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 | 161 | $19,898,000 | $123,000 | $404,000 | $54,000 | $228,000 |
| Home Purchase | 39 | $4,428,000 | $113,000 | $236,000 | $48,000 | $253,000 |
| Home Improvement | 11 | $546,000 | $49,000 | $135,000 | $60,000 | $137,000 |
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 | 168 | $19,573,000 | $116,000 | $404,000 | $56,000 | $159,000 |
| Not Provided | 21 | $2,537,000 | $120,000 | $295,000 | $66,000 | $228,000 |
| Not applicable | 19 | $2,285,000 | $120,000 | $258,000 | $19,000 | $253,000 |
| Hispanic | 2 | $317,000 | $158,000 | $200,000 | $47,000 | $66,000 |
| Asian | 1 | $160,000 | $160,000 | $160,000 | $70,000 | $70,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 153 | $18,349,000 | $119,000 | $404,000 | $57,000 | $228,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,778,000 | $107,000 | $216,000 | $36,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,600,000 | $114,000 | $150,000 | $57,000 | $253,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,145,000 | $127,000 | $281,000 | $46,000 | $120,000 |
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 | 89 | $10,238,000 | $115,000 | $400,000 | $60,000 | $253,000 |
| Application Denied By Financial Institution | 56 | $6,712,000 | $119,000 | $316,000 | $55,000 | $159,000 |
| Loan Purchased By The Institution | 36 | $4,102,000 | $113,000 | $258,000 | $30,000 | $94,000 |
| Application Withdrawn By Applicant | 25 | $3,342,000 | $133,000 | $404,000 | $52,000 | $120,000 |
| Application Approved But Not Accepted | 3 | $323,000 | $107,000 | $120,000 | $102,000 | $228,000 |
| File Closed For Incompleteness | 2 | $155,000 | $77,000 | $94,000 | $60,000 | $78,000 |
| 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 | 14 | $1,476,000 | $105,000 | $262,000 | $47,000 | $144,000 |
| Credit History | 12 | $930,000 | $77,000 | $148,000 | $55,000 | $159,000 |
| Collateral | 8 | $1,491,000 | $186,000 | $316,000 | $63,000 | $101,000 |
| Other | 6 | $727,000 | $121,000 | $150,000 | $72,000 | $132,000 |
| Unverifiable Information | 3 | $355,000 | $118,000 | $155,000 | $75,000 | $85,000 |
| Credit Application Incomplete | 3 | $597,000 | $199,000 | $299,000 | $103,000 | $128,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $111,000 | $111,000 | $111,000 | $0 | $0 |
| 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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