Idaho County
Idaho · FIPS 16049
According to CFPB HMDA 2024 application volume among U.S. counties, Idaho County ranks #2,110 of 3,210, and #30 of 44 in Idaho.
Mortgage lending activity in Idaho County, Idaho based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Idaho County
In Idaho County, lead originator Freedom Northwest Credit Union funded 21.2% of 269 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 42.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Idaho County's 434 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Idaho County's $221,889 average loan (deduped against volume peers).
Lenders active in Idaho County
Freedom Northwest Credit Union funded 57 of the 269 loans originated in Idaho County, 21.2% of the county. 55 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Idaho County borrowers.
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 Idaho County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.