PlainLender
2024 data HMDA 2024 disclosure official source

Canyon County

13,438 mortgage applications, 13.7% denial rate. Verify FIPS 16027 with U.S. Census Bureau →

PlainLender home → About this data

Idaho · FIPS 16027

Local mortgage market. Canyon County, Idaho saw 13,438 HMDA-reported mortgage applications in 2024. Lenders originated 7,693 of those loans and denied 1,835, producing a denial rate of 13.7% and an approval (origination) rate of 57.2%. The average loan amount was $283,384 at an average note rate of 7.11%, with applicants self-reporting average annual income of $39K. 273 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 16027 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

13,438
Applications
7,693
Originated
13.7%
Denial Rate
57.2%
Approval Rate
$283,384
Avg Loan Amount
7.11%
Avg Interest Rate
$39K
Avg Applicant Income
7.3x
Loan-to-Income Ratio

Nearby Lenders in Canyon 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 1,193 15.5%
2 United Wholesale Mortgage 531 6.9%
3 Rocket Mortgage 420 5.5%
4 Guild Mortgage Company 418 5.4%
5 Premier Mortgage Resources, LLC 355 4.6%
Compare Idaho Central Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Canyon County?
In the 2024 HMDA reporting year, 13,438 mortgage applications were filed in Canyon County, Idaho. Of these, 7,693 were originated (approved and funded), while 1,835 were denied, resulting in a denial rate of 13.7%.
What is the mortgage denial rate in Canyon County?
The mortgage denial rate in Canyon County is 13.7%. The approval (origination) rate is 57.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Canyon County?
The average mortgage loan amount in Canyon County is $283,384. The average interest rate is 7.105%. The average applicant income is $39K.
What is the loan-to-income ratio in Canyon County?
The average loan-to-income ratio in Canyon 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 Canyon County?
The top mortgage lenders in Canyon County by origination volume are Idaho Central Credit Union, United Wholesale Mortgage, Rocket Mortgage. In total, 273 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.