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2024 data HMDA 2024 disclosure official source

Minidoka County

930 mortgage applications, 17.0% denial rate. Verify FIPS 16067 with U.S. Census Bureau →

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Idaho · FIPS 16067

Local mortgage market. Minidoka County, Idaho saw 930 HMDA-reported mortgage applications in 2024. Lenders originated 505 of those loans and denied 158, producing a denial rate of 17.0% and an approval (origination) rate of 54.3%. The average loan amount was $182,043 at an average note rate of 7.58%, with applicants self-reporting average annual income of $38K. 68 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 16067 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

930
Applications
505
Originated
17.0%
Denial Rate
54.3%
Approval Rate
$182,043
Avg Loan Amount
7.58%
Avg Interest Rate
$38K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Minidoka 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 110 21.8%
2 First Federal Savings Bank 88 17.4%
3 D. L. Evans Bank 55 10.9%
4 Nfm, INC 30 5.9%
5 Rocket Mortgage 25 5.0%
Compare Idaho Central Credit Union vs First Federal Savings Bank →

Frequently Asked Questions

How many mortgage applications were filed in Minidoka County?
In the 2024 HMDA reporting year, 930 mortgage applications were filed in Minidoka County, Idaho. Of these, 505 were originated (approved and funded), while 158 were denied, resulting in a denial rate of 17.0%.
What is the mortgage denial rate in Minidoka County?
The mortgage denial rate in Minidoka County is 17.0%. The approval (origination) rate is 54.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Minidoka County?
The average mortgage loan amount in Minidoka County is $182,043. The average interest rate is 7.580%. The average applicant income is $38K.
What is the loan-to-income ratio in Minidoka County?
The average loan-to-income ratio in Minidoka County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Minidoka County?
The top mortgage lenders in Minidoka County by origination volume are Idaho Central Credit Union, First Federal Savings Bank, D. L. Evans Bank. In total, 68 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.