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2024 data HMDA 2024 disclosure official source

Owyhee County

463 mortgage applications, 22.7% denial rate. Verify FIPS 16073 with U.S. Census Bureau →

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Idaho · FIPS 16073

Local mortgage market. Owyhee County, Idaho saw 463 HMDA-reported mortgage applications in 2024. Lenders originated 231 of those loans and denied 105, producing a denial rate of 22.7% and an approval (origination) rate of 49.9%. The average loan amount was $233,898 at an average note rate of 7.42%, with applicants self-reporting average annual income of $39K. 68 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 16073 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

463
Applications
231
Originated
22.7%
Denial Rate
49.9%
Approval Rate
$233,898
Avg Loan Amount
7.42%
Avg Interest Rate
$39K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Owyhee 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 45 19.5%
2 Rocket Mortgage 15 6.5%
3 United Wholesale Mortgage 12 5.2%
4 Movement Mortgage, LLC 11 4.8%
5 Evergreen Moneysource Mortgage Company 10 4.3%
Compare Idaho Central Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Owyhee County?
In the 2024 HMDA reporting year, 463 mortgage applications were filed in Owyhee County, Idaho. Of these, 231 were originated (approved and funded), while 105 were denied, resulting in a denial rate of 22.7%.
What is the mortgage denial rate in Owyhee County?
The mortgage denial rate in Owyhee County is 22.7%. The approval (origination) rate is 49.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Owyhee County?
The average mortgage loan amount in Owyhee County is $233,898. The average interest rate is 7.418%. The average applicant income is $39K.
What is the loan-to-income ratio in Owyhee County?
The average loan-to-income ratio in Owyhee 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 Owyhee County?
The top mortgage lenders in Owyhee County by origination volume are Idaho Central Credit Union, Rocket Mortgage, United Wholesale Mortgage. 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.