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2024 data HMDA 2024 disclosure official source

Idaho County

434 mortgage applications, 12.4% denial rate. Verify FIPS 16049 with U.S. Census Bureau →

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Idaho · FIPS 16049

Local mortgage market. Idaho County, Idaho saw 434 HMDA-reported mortgage applications in 2024. Lenders originated 269 of those loans and denied 54, producing a denial rate of 12.4% and an approval (origination) rate of 62.0%. The average loan amount was $221,889 at an average note rate of 7.15%, with applicants self-reporting average annual income of $37K. 55 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 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 16049 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

434
Applications
269
Originated
12.4%
Denial Rate
62.0%
Approval Rate
$221,889
Avg Loan Amount
7.15%
Avg Interest Rate
$37K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Idaho 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 Freedom Northwest Credit Union 57 21.2%
2 Rocket Mortgage 29 10.8%
3 United Wholesale Mortgage 27 10.0%
4 Potlatch No 1 Financial Credit U 22 8.2%
5 Idaho Central Credit Union 17 6.3%
Compare Freedom Northwest Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Idaho County?
In the 2024 HMDA reporting year, 434 mortgage applications were filed in Idaho County, Idaho. Of these, 269 were originated (approved and funded), while 54 were denied, resulting in a denial rate of 12.4%.
What is the mortgage denial rate in Idaho County?
The mortgage denial rate in Idaho County is 12.4%. The approval (origination) rate is 62.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Idaho County?
The average mortgage loan amount in Idaho County is $221,889. The average interest rate is 7.146%. The average applicant income is $37K.
What is the loan-to-income ratio in Idaho County?
The average loan-to-income ratio in Idaho County is 6.0x, meaning borrowers took on loans averaging 6.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Idaho County?
The top mortgage lenders in Idaho County by origination volume are Freedom Northwest Credit Union, Rocket Mortgage, United Wholesale Mortgage. 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.