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2024 data HMDA 2024 disclosure official source

Latah County

1,031 mortgage applications, 13.8% denial rate. Verify FIPS 16057 with U.S. Census Bureau →

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Idaho · FIPS 16057

Local mortgage market. Latah County, Idaho saw 1,031 HMDA-reported mortgage applications in 2024. Lenders originated 617 of those loans and denied 142, producing a denial rate of 13.8% and an approval (origination) rate of 59.8%. The average loan amount was $302,100 at an average note rate of 7.32%, with applicants self-reporting average annual income of $38K. 90 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.0x, meaning typical borrowers took on mortgages of about 8.0 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 16057 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,031
Applications
617
Originated
13.8%
Denial Rate
59.8%
Approval Rate
$302,100
Avg Loan Amount
7.32%
Avg Interest Rate
$38K
Avg Applicant Income
8.0x
Loan-to-Income Ratio

Nearby Lenders in Latah 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 United Wholesale Mortgage 99 16.0%
2 Potlatch No 1 Financial Credit U 74 12.0%
3 Cmg Mortgage INC 72 11.7%
4 Idaho Central Credit Union 68 11.0%
5 Zions Bancorporation, N.A. 34 5.5%
Compare United Wholesale Mortgage vs Potlatch No 1 Financial Credit U →

Frequently Asked Questions

How many mortgage applications were filed in Latah County?
In the 2024 HMDA reporting year, 1,031 mortgage applications were filed in Latah County, Idaho. Of these, 617 were originated (approved and funded), while 142 were denied, resulting in a denial rate of 13.8%.
What is the mortgage denial rate in Latah County?
The mortgage denial rate in Latah County is 13.8%. The approval (origination) rate is 59.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Latah County?
The average mortgage loan amount in Latah County is $302,100. The average interest rate is 7.323%. The average applicant income is $38K.
What is the loan-to-income ratio in Latah County?
The average loan-to-income ratio in Latah County is 8.0x, meaning borrowers took on loans averaging 8.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Latah County?
The top mortgage lenders in Latah County by origination volume are United Wholesale Mortgage, Potlatch No 1 Financial Credit U, Cmg Mortgage INC. In total, 90 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.