Teton County
Idaho · FIPS 16081
According to CFPB HMDA 2024 application volume among U.S. counties, Teton County ranks #1,770 of 3,210, and #21 of 44 in Idaho.
Mortgage lending activity in Teton 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. Teton County, Idaho saw 677 HMDA-reported mortgage applications in 2024. Lenders originated 377 of those loans and denied 110, producing a denial rate of 16.3% and an approval (origination) rate of 55.7%. The average loan amount was $508,870 at an average note rate of 7.36%, with applicants self-reporting average annual income of $37K. 90 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 13.8x, meaning typical borrowers took on mortgages of about 13.8 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 Teton County
In Teton County, lead originator Zions Bancorporation, N.A. funded 19.1% of 377 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 39.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Teton County's 677 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Teton County's $508,870 average loan (deduped against volume peers).
Lenders active in Teton County
Zions Bancorporation, N.A. funded 72 of the 377 loans originated in Teton County, 19.1% of the county. 90 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Zions Bancorporation, N.A. | 72 | 19.1% |
| 2 | Idaho Central Credit Union | 43 | 11.4% |
| 3 | Us Bank, N.A. | 33 | 8.8% |
| 4 | Rocket Mortgage | 30 | 8.0% |
| 5 | Glacier Bank | 13 | 3.4% |
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 Teton 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 Teton 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.