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2024 data HMDA 2024 disclosure official source

Gooding County

496 mortgage applications, 18.9% denial rate. Verify FIPS 16047 with U.S. Census Bureau →

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Idaho · FIPS 16047

Local mortgage market. Gooding County, Idaho saw 496 HMDA-reported mortgage applications in 2024. Lenders originated 260 of those loans and denied 94, producing a denial rate of 18.9% and an approval (origination) rate of 52.4%. The average loan amount was $196,391 at an average note rate of 7.32%, with applicants self-reporting average annual income of $38K. 55 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 16047 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

496
Applications
260
Originated
18.9%
Denial Rate
52.4%
Approval Rate
$196,391
Avg Loan Amount
7.32%
Avg Interest Rate
$38K
Avg Applicant Income
5.2x
Loan-to-Income Ratio

Nearby Lenders in Gooding 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 36 13.8%
2 Rocket Mortgage 24 9.2%
3 Premier Mortgage Resources, LLC 24 9.2%
4 First Federal Savings Bank 19 7.3%
5 Guild Mortgage Company 19 7.3%
Compare Idaho Central Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Gooding County?
In the 2024 HMDA reporting year, 496 mortgage applications were filed in Gooding County, Idaho. Of these, 260 were originated (approved and funded), while 94 were denied, resulting in a denial rate of 18.9%.
What is the mortgage denial rate in Gooding County?
The mortgage denial rate in Gooding County is 18.9%. The approval (origination) rate is 52.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Gooding County?
The average mortgage loan amount in Gooding County is $196,391. The average interest rate is 7.315%. The average applicant income is $38K.
What is the loan-to-income ratio in Gooding County?
The average loan-to-income ratio in Gooding County is 5.2x, meaning borrowers took on loans averaging 5.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Gooding County?
The top mortgage lenders in Gooding County by origination volume are Idaho Central Credit Union, Rocket Mortgage, Premier Mortgage Resources, LLC. In total, 55 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.