Nez Perce County
Idaho · FIPS 16069
According to CFPB HMDA 2024 application volume among U.S. counties, Nez Perce County ranks #1,155 of 3,210, and #9 of 44 in Idaho.
Mortgage lending activity in Nez Perce 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. Nez Perce County, Idaho saw 1,416 HMDA-reported mortgage applications in 2024. Lenders originated 863 of those loans and denied 203, producing a denial rate of 14.3% and an approval (origination) rate of 60.9%. The average loan amount was $225,855 at an average note rate of 7.40%, with applicants self-reporting average annual income of $39K. 101 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Nez Perce County
In Nez Perce County, lead originator Potlatch No 1 Financial Credit U funded 17.6% of 863 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 37.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Nez Perce County's 1,416 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Nez Perce County's $225,855 average loan (deduped against volume peers).
Lenders active in Nez Perce County
Potlatch No 1 Financial Credit U funded 152 of the 863 loans originated in Nez Perce County, 17.6% of the county. 101 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Potlatch No 1 Financial Credit U | 152 | 17.6% |
| 2 | United Wholesale Mortgage | 107 | 12.4% |
| 3 | Idaho Central Credit Union | 68 | 7.9% |
| 4 | Freedom Northwest Credit Union | 52 | 6.0% |
| 5 | Rocket Mortgage | 52 | 6.0% |
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 Nez Perce 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 Nez Perce 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.