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2024 data HMDA 2024 disclosure official source

Blaine County

912 mortgage applications, 19.4% denial rate. Verify FIPS 16013 with U.S. Census Bureau →

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Idaho · FIPS 16013

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.

FIPS 16013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

912
Applications
516
Originated
19.4%
Denial Rate
56.6%
Approval Rate
$664,594
Avg Loan Amount
7.53%
Avg Interest Rate
$36K
Avg Applicant Income
18.5x
Loan-to-Income Ratio

Nearby Lenders in Blaine County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare D. L. Evans Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Blaine County?
In the 2024 HMDA reporting year, 912 mortgage applications were filed in Blaine County, Idaho. Of these, 516 were originated (approved and funded), while 177 were denied, resulting in a denial rate of 19.4%.
What is the mortgage denial rate in Blaine County?
The mortgage denial rate in Blaine County is 19.4%. The approval (origination) rate is 56.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Blaine County?
The average mortgage loan amount in Blaine County is $664,594. The average interest rate is 7.525%. The average applicant income is $36K.
What is the loan-to-income ratio in Blaine County?
The average loan-to-income ratio in Blaine County is 18.5x, meaning borrowers took on loans averaging 18.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Blaine County?
The top mortgage lenders in Blaine County by origination volume are D. L. Evans Bank, Rocket Mortgage, United Wholesale Mortgage. In total, 102 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.