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2024 data HMDA 2024 disclosure official source

Bonneville County

5,613 mortgage applications, 14.0% denial rate. Verify FIPS 16019 with U.S. Census Bureau →

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Idaho · FIPS 16019

Local mortgage market. Bonneville County, Idaho saw 5,613 HMDA-reported mortgage applications in 2024. Lenders originated 3,139 of those loans and denied 787, producing a denial rate of 14.0% and an approval (origination) rate of 55.9%. The average loan amount was $275,862 at an average note rate of 7.23%, with applicants self-reporting average annual income of $38K. 184 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.3x, meaning typical borrowers took on mortgages of about 7.3 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 16019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,613
Applications
3,139
Originated
14.0%
Denial Rate
55.9%
Approval Rate
$275,862
Avg Loan Amount
7.23%
Avg Interest Rate
$38K
Avg Applicant Income
7.3x
Loan-to-Income Ratio

Nearby Lenders in Bonneville 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 Idaho Central Credit Union 533 17.0%
2 Rocket Mortgage 246 7.8%
3 Eagle Bank and Trust Company 244 7.8%
4 Westmark Credit Union 215 6.8%
5 Mountain America Federal Credit Union 158 5.0%
Compare Idaho Central Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Bonneville County?
In the 2024 HMDA reporting year, 5,613 mortgage applications were filed in Bonneville County, Idaho. Of these, 3,139 were originated (approved and funded), while 787 were denied, resulting in a denial rate of 14.0%.
What is the mortgage denial rate in Bonneville County?
The mortgage denial rate in Bonneville County is 14.0%. The approval (origination) rate is 55.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bonneville County?
The average mortgage loan amount in Bonneville County is $275,862. The average interest rate is 7.229%. The average applicant income is $38K.
What is the loan-to-income ratio in Bonneville County?
The average loan-to-income ratio in Bonneville County is 7.3x, meaning borrowers took on loans averaging 7.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bonneville County?
The top mortgage lenders in Bonneville County by origination volume are Idaho Central Credit Union, Rocket Mortgage, Eagle Bank and Trust Company. In total, 184 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.