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2024 data HMDA 2024 disclosure official source

Bonner County

2,398 mortgage applications, 17.2% denial rate. Verify FIPS 16017 with U.S. Census Bureau →

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Idaho · FIPS 16017

Local mortgage market. Bonner County, Idaho saw 2,398 HMDA-reported mortgage applications in 2024. Lenders originated 1,274 of those loans and denied 413, producing a denial rate of 17.2% and an approval (origination) rate of 53.1%. The average loan amount was $366,143 at an average note rate of 7.43%, with applicants self-reporting average annual income of $38K. 151 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.6x, meaning typical borrowers took on mortgages of about 9.6 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 16017 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,398
Applications
1,274
Originated
17.2%
Denial Rate
53.1%
Approval Rate
$366,143
Avg Loan Amount
7.43%
Avg Interest Rate
$38K
Avg Applicant Income
9.6x
Loan-to-Income Ratio

Nearby Lenders in Bonner 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 Glacier Bank 115 9.0%
2 Spokane Teachers Credit Union 74 5.8%
3 Idaho Central Credit Union 68 5.3%
4 Rocket Mortgage 65 5.1%
5 Evergreen Moneysource Mortgage Company 58 4.6%
Compare Glacier Bank vs Spokane Teachers Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Bonner County?
In the 2024 HMDA reporting year, 2,398 mortgage applications were filed in Bonner County, Idaho. Of these, 1,274 were originated (approved and funded), while 413 were denied, resulting in a denial rate of 17.2%.
What is the mortgage denial rate in Bonner County?
The mortgage denial rate in Bonner County is 17.2%. The approval (origination) rate is 53.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bonner County?
The average mortgage loan amount in Bonner County is $366,143. The average interest rate is 7.428%. The average applicant income is $38K.
What is the loan-to-income ratio in Bonner County?
The average loan-to-income ratio in Bonner County is 9.6x, meaning borrowers took on loans averaging 9.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bonner County?
The top mortgage lenders in Bonner County by origination volume are Glacier Bank, Spokane Teachers Credit Union, Idaho Central Credit Union. In total, 151 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.