PlainLender
2024 data HMDA 2024 disclosure official source

Valley County

968 mortgage applications, 16.5% denial rate. Verify FIPS 16085 with U.S. Census Bureau →

PlainLender home → About this data

Idaho · FIPS 16085

Local mortgage market. Valley County, Idaho saw 968 HMDA-reported mortgage applications in 2024. Lenders originated 539 of those loans and denied 160, producing a denial rate of 16.5% and an approval (origination) rate of 55.7%. The average loan amount was $468,079 at an average note rate of 7.36%, with applicants self-reporting average annual income of $37K. 127 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 12.7x, meaning typical borrowers took on mortgages of about 12.7 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 16085 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

968
Applications
539
Originated
16.5%
Denial Rate
55.7%
Approval Rate
$468,079
Avg Loan Amount
7.36%
Avg Interest Rate
$37K
Avg Applicant Income
12.7x
Loan-to-Income Ratio

Nearby Lenders in Valley 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 115 21.3%
2 Rocket Mortgage 24 4.5%
3 Fairway Independent Mort CORP 23 4.3%
4 Us Bank, N.A. 22 4.1%
5 United Wholesale Mortgage 19 3.5%
Compare Idaho Central Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Valley County?
In the 2024 HMDA reporting year, 968 mortgage applications were filed in Valley County, Idaho. Of these, 539 were originated (approved and funded), while 160 were denied, resulting in a denial rate of 16.5%.
What is the mortgage denial rate in Valley County?
The mortgage denial rate in Valley County is 16.5%. The approval (origination) rate is 55.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Valley County?
The average mortgage loan amount in Valley County is $468,079. The average interest rate is 7.358%. The average applicant income is $37K.
What is the loan-to-income ratio in Valley County?
The average loan-to-income ratio in Valley County is 12.7x, meaning borrowers took on loans averaging 12.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Valley County?
The top mortgage lenders in Valley County by origination volume are Idaho Central Credit Union, Rocket Mortgage, Fairway Independent Mort CORP. In total, 127 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.