Blaine County
Idaho · FIPS 16013
According to CFPB HMDA 2024 application volume among U.S. counties, Blaine County ranks #1,510 of 3,210, and #20 of 44 in Idaho.
Mortgage lending activity in Blaine County, Idaho based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Blaine County, Idaho saw 912 HMDA-reported mortgage applications in 2024. Lenders originated 516 of those loans and denied 177, producing a denial rate of 19.4% and an approval (origination) rate of 56.6%. The average loan amount was $664,594 at an average note rate of 7.53%, with applicants self-reporting average annual income of $36K. 102 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 18.5x, meaning typical borrowers took on mortgages of about 18.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Blaine County
In Blaine County, lead originator D. L. Evans Bank funded only 9.7% of 516 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Blaine County's 912 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Blaine County's $664,594 average loan (deduped against volume peers).
Lenders active in Blaine County
D. L. Evans Bank funded 50 of the 516 loans originated in Blaine County, 9.7% of the county. 102 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | D. L. Evans Bank | 50 | 9.7% |
| 2 | Rocket Mortgage | 41 | 7.9% |
| 3 | United Wholesale Mortgage | 40 | 7.8% |
| 4 | Glacier Bank | 29 | 5.6% |
| 5 | Loandepot.Com, LLC | 27 | 5.2% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Blaine County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Blaine County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.