Owyhee County, ID Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 496 mortgage applications in Owyhee County, ID totaling $125.0 million, up 7% from 2024. The average application was for $251,000, and applicants reported an average income of $112,000. 53% of applications resulted in an originated loan and 15% were denied. The most active lender was Idaho Central Credit Union, with 92 applications, followed by Guild Mortgage Company and United Wholesale Mortgage.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 496
Total Mortgage Loan Application Amount $124,950,000
Average Mortgage Loan Application Amount $251,000
Highest Mortgage Loan Application Amount $1,055,000
Average Applicant Income $112,000
Highest Applicant Income $913,000

Mortgage Company List for Lending in Owyhee County, ID for 2025

* 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
* $ n/a 92 $ 17,030,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 35 $ 7,715,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 23 $ 8,515,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 19 $ 3,905,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 13 $ 4,295,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 11 $ 5,055,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 10 $ 2,240,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 10 $ 2,970,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 2,025,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 815,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 9 $ 3,325,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 9 $ 2,315,000
Pioneer Federal Credit Union
250 SOUTH 3RD WEST
MOUNTAIN HOME, ID 83647
* $ n/a 8 $ 910,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 7 $ 2,725,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 7 $ 2,055,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 6 $ 1,310,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 6 $ 830,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ n/a 6 $ 2,440,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 6 $ 1,020,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 6 $ 1,570,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 6 $ 1,410,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 6 $ 1,540,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ n/a 5 $ 855,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 5 $ 1,105,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 5 $ 1,345,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 5 $ 1,145,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ n/a 5 $ 335,000
First Federal Savings Bank
303 SHOSHONE ST N
TWIN FALLS, ID 83303
* $ n/a 4 $ 1,230,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 4 $ 2,350,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 630,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 4 $ 950,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 4 $ 990,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 1,280,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 3 $ 1,625,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 3 $ 325,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 3 $ 1,465,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 3 $ 555,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 3 $ 1,285,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 2 $ 410,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 2 $ 170,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ n/a 2 $ 210,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ n/a 2 $ 250,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 2 $ 200,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 2 $ 260,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ n/a 2 $ 690,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 240,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 2 $ 860,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 640,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ n/a 2 $ 110,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 2 $ 450,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 2 $ 440,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ n/a 2 $ 720,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 500,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 460,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 450,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ n/a 2 $ 160,000
Connections Credit Union
1150 NORTH 8TH AVENUE
POCATELLO, ID 83201
* $ n/a 2 $ 360,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 2 $ 290,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ n/a 2 $ 150,000
Basis Home Loans LLC
4400 NE 77TH AVENUE SUITE 100
VANCOUVER, WA 98662
* $ n/a 2 $ 930,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ n/a 2 $ 1,110,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 2 $ 970,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 2 $ 1,190,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 2 $ 670,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 440,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 2 $ 270,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 315,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 515,000
Idaho First Bank
475 E DEINHARD LANE
MCCALL, ID 83638
* $ n/a 1 $ 155,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 1 $ 105,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 305,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 285,000
All Credit Considered Mortgage, Inc.
1801 RESEARCH BLVD #410
ROCKVILLE, MD 20850
* $ n/a 1 $ 245,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 395,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ n/a 1 $ 285,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 345,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 1 $ 65,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 55,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 185,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 1 $ 845,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 275,000
Freedom Northwest Credit Union
303 MAIN ST
KAMIAH, ID 83536
* $ n/a 1 $ 325,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 405,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ n/a 1 $ 655,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 175,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 365,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 275,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 335,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 275,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 455,000
F&A Federal Credit Union
2625 CORPORATE PLACE
MONTEREY PARK, CA 91754
* $ n/a 1 $ 105,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 205,000
My Move Mortgage, LLC
MY MOVE MORTGAGE, LLC
SANDY, UT 84070
* $ n/a 1 $ 405,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 395,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 335,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 1 $ 375,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ n/a 1 $ 775,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 495,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ n/a 1 $ 35,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 275,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 355,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 375,000
Rogue Credit Union
1370 CENTER DRIVE
MEDFORD, OR 97501
* $ n/a 1 $ 105,000
Farmers Bank
890 SHOSHONE ST E
TWIN FALLS, ID 83301
* $ n/a 1 $ 135,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 345,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 145,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ n/a 1 $ 255,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ n/a 1 $ 165,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 1 $ 455,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 245,000

The tables below break down 2025 mortgage applications in Owyhee 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 Owyhee County, ID in 2025

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 199 $63,865,000 $320,000 $965,000 $123,000 $913,000
Cash-out Refinancing 126 $28,690,000 $227,000 $1,055,000 $103,000 $720,000
Home Improvement 69 $7,815,000 $113,000 $875,000 $100,000 $431,000
Refinancing 64 $20,410,000 $318,000 $725,000 $112,000 $470,000
Other Purpose 38 $4,170,000 $109,000 $335,000 $116,000 $830,000
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 332 $82,490,000 $248,000 $965,000 $115,000 $830,000
Not Provided 70 $18,900,000 $270,000 $1,055,000 $127,000 $913,000
Hispanic 53 $10,535,000 $198,000 $495,000 $83,000 $205,000
Not applicable 34 $11,650,000 $342,000 $965,000 $129,000 $286,000
Black or African American 3 $685,000 $228,000 $575,000 $48,000 $101,000
American Indian or Alaskan Native 3 $345,000 $115,000 $235,000 $48,000 $62,000
Native Hawaiian or Other Pacific Islander 1 $345,000 $345,000 $345,000 $215,000 $215,000
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) 374 $84,420,000 $225,000 $1,055,000 $118,000 $913,000
FHA-insured (Federal Housing Administration) 73 $20,795,000 $284,000 $515,000 $98,000 $720,000
VA-guaranteed (Veterans Administration) 46 $18,720,000 $406,000 $715,000 $79,000 $194,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $1,015,000 $338,000 $345,000 $88,000 $94,000

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 264 $68,400,000 $259,000 $965,000 $109,000 $486,000
Application Withdrawn By Applicant 78 $18,170,000 $232,000 $805,000 $105,000 $819,000
Application Denied By Financial Institution 74 $14,150,000 $191,000 $805,000 $113,000 $830,000
Loan Purchased By The Institution 37 $12,745,000 $344,000 $965,000 $110,000 $286,000
Application Approved But Not Accepted 25 $5,535,000 $221,000 $875,000 $165,000 $913,000
File Closed For Incompleteness 18 $5,950,000 $330,000 $1,055,000 $137,000 $720,000
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
Not applicable 418 $110,210,000 $263,000 $1,055,000 $113,000 $913,000
Debt-To-Income Ratio 30 $5,050,000 $168,000 $585,000 $83,000 $206,000
Credit History 15 $2,795,000 $186,000 $805,000 $118,000 $420,000
Collateral 9 $1,065,000 $118,000 $395,000 $159,000 $830,000
Credit Application Incomplete 9 $1,575,000 $175,000 $465,000 $91,000 $224,000
Other 9 $2,575,000 $286,000 $585,000 $217,000 $570,000
Insufficient Cash (Downpayment, Closing Cost) 3 $985,000 $328,000 $495,000 $97,000 $128,000
Unverifiable Information 2 $330,000 $165,000 $275,000 $124,000 $192,000
Employment History 1 $365,000 $365,000 $365,000 $167,000 $167,000
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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