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2024 data HMDA 2024 disclosure official source

Fremont County

656 mortgage applications, 18.1% denial rate. Verify FIPS 16043 with U.S. Census Bureau →

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Idaho · FIPS 16043

Local mortgage market. Fremont County, Idaho saw 656 HMDA-reported mortgage applications in 2024. Lenders originated 338 of those loans and denied 119, producing a denial rate of 18.1% and an approval (origination) rate of 51.5%. The average loan amount was $287,591 at an average note rate of 7.41%, with applicants self-reporting average annual income of $38K. 87 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.6x, meaning typical borrowers took on mortgages of about 7.6 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 16043 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

656
Applications
338
Originated
18.1%
Denial Rate
51.5%
Approval Rate
$287,591
Avg Loan Amount
7.41%
Avg Interest Rate
$38K
Avg Applicant Income
7.6x
Loan-to-Income Ratio

Nearby Lenders in Fremont 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 50 14.8%
2 Beehive Federal Credit Union 29 8.6%
3 Mountain America Federal Credit Union 27 8.0%
4 Canopy Mortgage, LLC 17 5.0%
5 Rocket Mortgage 14 4.1%
Compare Idaho Central Credit Union vs Beehive Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Fremont County?
In the 2024 HMDA reporting year, 656 mortgage applications were filed in Fremont County, Idaho. Of these, 338 were originated (approved and funded), while 119 were denied, resulting in a denial rate of 18.1%.
What is the mortgage denial rate in Fremont County?
The mortgage denial rate in Fremont County is 18.1%. The approval (origination) rate is 51.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fremont County?
The average mortgage loan amount in Fremont County is $287,591. The average interest rate is 7.410%. The average applicant income is $38K.
What is the loan-to-income ratio in Fremont County?
The average loan-to-income ratio in Fremont County is 7.6x, meaning borrowers took on loans averaging 7.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Fremont County?
The top mortgage lenders in Fremont County by origination volume are Idaho Central Credit Union, Beehive Federal Credit Union, Mountain America Federal Credit Union. In total, 87 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.