ID · Statewide HMDA 2024
Idaho mortgage lending
According to the CFPB HMDA 2024 Snapshot, 495 reporting lenders · 44 counties · 7 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Idaho ranks #36 of 54 by application volume but #12 of 52 states with 10,000+ applications on origination share (56.2%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #12
- Origination-share rank of 52
- 56.2%
- Origination share
- 47,846
- Originated
- 14.7%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
85,114reported applications
CFPB HMDA state filing plate
State ID · Idaho 14.7% denial
VOL-LIGHT · DEN-LIGHT · NEAR-PEER · ORIG-LOW · BOOK-FULL · LEAD-HEAVY
- VOL-LIGHT #36/54
- DEN-LIGHT 14.7%
- NEAR-PEER Wyoming
- ORIG-LOW 56.2%
- BOOK-FULL 495 lenders
- LEAD-HEAVY 17% top
Photo-finish peer: Wyoming · 14.8% denial (+0.1pp vs Idaho)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Idaho
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Idaho: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (14.7% here).
Similar application volume
Nearest states by HMDA applications filed (85,114 here).
Top lenders by originations · Idaho
Funded loans among HMDA-reporting institutions active in this state.
Where Idaho sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
85,114 33rd percentile higher than 33% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Idaho
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Idaho filed 85,114 HMDA-reported applications in 2024 (#36 of 54 by volume) with a 14.7% denial rate - 2.5pp below the national 17.2% baseline. White applicants (60,899 apps) show 15.5% denial; Joint applicants (1,884 apps) show 14.3% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Idaho
Top HMDA-reporting lenders active in Idaho. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Idaho Central Credit Union | 8,181 | 17.1% |
| 2 | Rocket Mortgage | 2,754 | 5.8% |
| 3 | United Wholesale Mortgage | 2,712 | 5.7% |
| 4 | Guild Mortgage Company | 1,591 | 3.3% |
| 5 | Premier Mortgage Resources, LLC | 1,345 | 2.8% |
Reported outcomes by applicant race in Idaho
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 60,899 | 62.4% | 15.5% |
| Joint | 1,884 | 63.0% | 14.3% |
| Asian | 1,137 | 61.0% | 13.4% |
| American Indian or Alaska Native | 563 | 46.2% | 27.9% |
| Black or African American | 343 | 60.1% | 14.3% |
| Native Hawaiian or Other Pacific Islander | 148 | 54.0% | 27.0% |
| 2 or more minority races | 72 | 40.3% | 26.4%sample too small to read |
Every county in Idaho, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Ada County | 22,783 | 13,406 | 12.3% | $369,265 |
| Canyon County | 13,438 | 7,693 | 13.7% | $283,384 |
| Kootenai County | 8,669 | 4,876 | 14.3% | $343,372 |
| Bonneville County | 5,613 | 3,139 | 14.0% | $275,862 |
| Twin Falls County | 4,105 | 2,369 | 15.9% | $233,563 |
| Bannock County | 3,907 | 2,205 | 14.8% | $226,423 |
| Bonner County | 2,398 | 1,274 | 17.2% | $366,143 |
| Bingham County | 1,909 | 1,002 | 19.0% | $233,298 |
| Nez Perce County | 1,416 | 863 | 14.3% | $225,855 |
| Jefferson County | 1,415 | 769 | 17.9% | $264,329 |
| Payette County | 1,355 | 761 | 15.1% | $235,509 |
| Elmore County | 1,319 | 710 | 12.4% | $252,619 |
| Madison County | 1,060 | 604 | 14.1% | $275,132 |
| Latah County | 1,031 | 617 | 13.8% | $302,100 |
| Gem County | 984 | 498 | 18.9% | $271,382 |
| Valley County | 968 | 539 | 16.5% | $468,079 |
| Cassia County | 930 | 512 | 17.0% | $214,011 |
| Minidoka County | 930 | 505 | 17.0% | $182,043 |
| Jerome County | 924 | 495 | 20.2% | $206,829 |
| Blaine County | 912 | 516 | 19.4% | $664,594 |
| Teton County | 677 | 377 | 16.3% | $508,870 |
| Shoshone County | 668 | 355 | 18.3% | $205,554 |
| Fremont County | 656 | 338 | 18.1% | $287,591 |
| Franklin County | 628 | 330 | 17.8% | $254,188 |
| Boise County | 599 | 311 | 18.7% | $303,514 |
| Boundary County | 498 | 276 | 15.9% | $271,546 |
| Gooding County | 496 | 260 | 18.9% | $196,391 |
| Owyhee County | 463 | 231 | 22.7% | $233,898 |
| Washington County | 449 | 236 | 18.3% | $221,949 |
| Idaho County | 434 | 269 | 12.4% | $221,889 |
| Benewah County | 368 | 185 | 22.3% | $236,984 |
| Caribou County | 299 | 178 | 13.7% | $241,120 |
| Bear Lake County | 298 | 175 | 16.1% | $313,087 |
| Clearwater County | 285 | 148 | 21.1% | $207,947 |
| Oneida County | 284 | 140 | 15.8% | $229,085 |
| Power County | 232 | 118 | 21.1% | $225,603 |
| Lemhi County | 224 | 114 | 18.3% | $252,143 |
| Adams County | 211 | 112 | 21.3% | $338,602 |
| Lincoln County | 206 | 92 | 26.7% | $223,641 |
| Custer County | 142 | 64 | 21.8% | $220,704 |
| Lewis County | 116 | 65 | 14.7% | $192,069 |
| Butte County | 99 | 55 | 15.2% | $180,758 |
| Camas County | 67 | 37 | 22.4% | $227,836 |
| Clark County | 21 | 8 | 28.6% | $178,333 |
Metro Areas in Idaho
Frequently Asked Questions
How many mortgage applications were filed in Idaho?
Where does Idaho sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Idaho?
What is the average mortgage loan amount in Idaho?
How many mortgage lenders operate in Idaho?
How do mortgage denial rates vary by demographics in Idaho?
Which counties in Idaho have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.