Idaho Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 100,995 mortgage applications in Idaho totaling $32.2 billion, up 20% from 2024. The average application was for $318,000, and applicants reported an average income of $150,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lenders were Idaho Central Credit Union (15,644 applications), United Wholesale Mortgage and PennyMac Loan Services LLC.
See the top mortgage lenders in Idaho, browse lending by metro area and by county, or see the mortgage lenders headquartered in Idaho and Idaho lenders by city.
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Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Idaho's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 100,995 |
| Total Mortgage Loan Application Amount | $32,177,930,000 |
| Average Mortgage Loan Application Amount | $318,000 |
| Highest Mortgage Loan Application Amount | $60,765,000 |
| Average Applicant Income | $150,000 |
| Highest Applicant Income | $9,811,000 |
Top 25 Mortgage Lenders in Idaho (2025)
Ranked by the number of mortgage applications each lender received for properties in Idaho in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Idaho mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Idaho.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union Chubbuck, ID |
15,644 | $3,676,650,000 | $235,019 | $157,846 |
| 2 | United Wholesale Mortgage Plymouth, MI |
3,950 | $1,554,440,000 | $393,529 | $136,961 |
| 3 | PennyMac Loan Services LLC Westlake Village, CA |
3,941 | $1,552,705,000 | $393,987 | $151,606 |
| 4 | Premier Mortgage Resources, LLC Meridian, ID |
2,500 | $761,700,000 | $304,680 | $120,244 |
| 5 | Guild Mortgage Company San Diego, CA |
2,337 | $750,395,000 | $321,093 | $126,618 |
| 6 | Mountain America Federal Credit Union Sandy, UT |
2,328 | $411,420,000 | $176,726 | $117,892 |
| 7 | US Bank, N.A. Cincinnati, OH |
2,290 | $657,820,000 | $287,257 | $169,000 |
| 8 | JPMorgan Chase Bank, NA Columbus, OH |
2,120 | $621,040,000 | $292,943 | $168,970 |
| 9 | Newrez LLC Fort Washington, PA |
1,760 | $652,330,000 | $370,642 | $137,356 |
| 10 | Freedom Mortgage Corporation Boca Raton, FL |
1,675 | $670,525,000 | $400,313 | $111,131 |
| 11 | loanDepot.com LLC Irvine, CA |
1,624 | $486,600,000 | $299,630 | $124,605 |
| 12 | Glacier Bank Kalispell, MT |
1,509 | $613,165,000 | $406,338 | $191,198 |
| 13 | First Federal Savings Bank Twin Falls, ID |
1,259 | $339,555,000 | $269,702 | $152,039 |
| 14 | Westmark Credit Union Idaho Falls, ID |
1,257 | $155,045,000 | $123,345 | $128,692 |
| 15 | Mortgage Research Center Columbia, MO |
1,154 | $463,920,000 | $402,010 | $114,239 |
| 16 | CMG Mortgage Inc San Ramon, IL |
1,151 | $517,315,000 | $449,448 | $190,593 |
| 17 | Guaranteed Rate, Inc. Chicago, IL |
1,134 | $463,040,000 | $408,324 | $182,655 |
| 18 | Movement Mortgage, LLC Indian Land, SC |
1,130 | $382,850,000 | $338,805 | $135,140 |
| 19 | Nationstar Mortgage Coppell, TX |
1,128 | $330,550,000 | $293,040 | $115,018 |
| 20 | Fairway Independent Mort Corp Madison, WI |
1,011 | $361,805,000 | $357,868 | $137,218 |
| 21 | Figure Lending LLC San Francisco, CA |
996 | $94,510,000 | $94,889 | $103,764 |
| 22 | Evergreen Moneysource Mortgage Company Bellevue, WA |
910 | $322,760,000 | $354,681 | $133,031 |
| 23 | American Pacific Mortgage Corporation Roseville, CA |
907 | $303,065,000 | $334,140 | $132,153 |
| 24 | Potlatch No 1 Financial Credit U Lewiston, ID |
903 | $182,875,000 | $202,519 | $120,931 |
| 25 | Zions Bancorporation, N.A. Denver, CO |
861 | $360,635,000 | $418,855 | $203,456 |
The tables below break down 2025 mortgage applications in Idaho by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Idaho in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 47,278 | $18,919,850,000 | $400,000 | $32,005,000 | $161,000 | $9,811,000 |
| Cash-out Refinancing | 20,021 | $5,058,775,000 | $252,000 | $43,765,000 | $125,000 | $4,464,000 |
| Refinancing | 12,886 | $5,151,395,000 | $399,000 | $60,765,000 | $166,000 | $9,473,000 |
| Home Improvement | 11,902 | $1,689,070,000 | $141,000 | $24,595,000 | $147,000 | $6,449,000 |
| Other Purpose | 8,833 | $1,341,845,000 | $151,000 | $10,005,000 | $144,000 | $9,094,000 |
| Not Applicable | 75 | $16,995,000 | $226,000 | $1,555,000 | $104,000 | $382,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 66,951 | $20,131,655,000 | $300,000 | $10,005,000 | $152,000 | $9,473,000 |
| Not Provided | 12,411 | $4,013,905,000 | $323,000 | $10,005,000 | $160,000 | $9,811,000 |
| Not applicable | 10,545 | $4,983,330,000 | $472,000 | $60,765,000 | $152,000 | $3,798,000 |
| Hispanic | 8,091 | $2,078,435,000 | $256,000 | $3,255,000 | $122,000 | $6,807,000 |
| Asian | 1,557 | $556,985,000 | $357,000 | $2,905,000 | $191,000 | $9,602,000 |
| American Indian or Alaskan Native | 749 | $201,925,000 | $269,000 | $1,605,000 | $116,000 | $1,428,000 |
| Black or African American | 514 | $157,370,000 | $306,000 | $2,295,000 | $122,000 | $1,800,000 |
| Native Hawaiian or Other Pacific Islander | 174 | $53,970,000 | $310,000 | $1,005,000 | $125,000 | $487,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 78,401 | $23,341,060,000 | $297,000 | $60,765,000 | $161,000 | $9,811,000 |
| FHA-insured (Federal Housing Administration) | 13,013 | $4,588,405,000 | $352,000 | $33,675,000 | $96,000 | $1,065,000 |
| VA-guaranteed (Veterans Administration) | 9,282 | $4,164,920,000 | $448,000 | $3,515,000 | $119,000 | $4,727,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 299 | $83,545,000 | $279,000 | $655,000 | $91,000 | $240,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 56,584 | $18,416,460,000 | $325,000 | $60,765,000 | $157,000 | $9,811,000 |
| Application Denied By Financial Institution | 12,937 | $3,020,090,000 | $233,000 | $30,005,000 | $118,000 | $6,449,000 |
| Application Withdrawn By Applicant | 12,570 | $4,262,460,000 | $339,000 | $33,675,000 | $153,000 | $9,473,000 |
| Loan Purchased By The Institution | 11,176 | $4,110,330,000 | $367,000 | $5,005,000 | $148,000 | $3,798,000 |
| Application Approved But Not Accepted | 4,498 | $1,375,250,000 | $305,000 | $21,655,000 | $161,000 | $9,602,000 |
| File Closed For Incompleteness | 3,098 | $939,600,000 | $303,000 | $23,565,000 | $139,000 | $5,496,000 |
| Preapproval Approved but not Accepted | 88 | $36,690,000 | $416,000 | $1,835,000 | $140,000 | $682,000 |
| Preapproval Denied by Financial Institution | 44 | $17,050,000 | $387,000 | $1,285,000 | $110,000 | $775,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 86,247 | $28,645,655,000 | $332,000 | $60,765,000 | $155,000 | $9,811,000 |
| Debt-To-Income Ratio | 7,534 | $1,784,840,000 | $236,000 | $23,005,000 | $109,000 | $9,365,000 |
| Credit History | 2,093 | $406,035,000 | $193,000 | $5,385,000 | $121,000 | $2,888,000 |
| Collateral | 2,066 | $485,295,000 | $235,000 | $4,175,000 | $161,000 | $6,449,000 |
| Credit Application Incomplete | 1,300 | $302,770,000 | $232,000 | $1,955,000 | $131,000 | $1,929,000 |
| Other | 966 | $314,480,000 | $325,000 | $30,005,000 | $147,000 | $4,464,000 |
| Unverifiable Information | 429 | $125,105,000 | $291,000 | $3,705,000 | $187,000 | $5,879,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 255 | $87,545,000 | $343,000 | $2,455,000 | $126,000 | $810,000 |
| Employment History | 105 | $26,205,000 | $249,000 | $805,000 | $94,000 | $500,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Mortgage Loan Application Totals in 2025 by Idaho Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boise City, ID | 45,544 | $ 15,027,715,000 | $ 329,000 | $ 152,000 |
| Coeur D'Alene, ID | 10,479 | $ 4,087,645,000 | $ 390,000 | $ 173,000 |
| Idaho Falls, ID | 8,631 | $ 2,320,575,000 | $ 268,000 | $ 131,000 |
| Lewiston, ID-WA | 1,688 | $ 438,930,000 | $ 260,000 | $ 124,000 |
| Pocatello, ID | 4,210 | $ 1,044,960,000 | $ 248,000 | $ 118,000 |
| Twin Falls, ID | 5,722 | $ 1,357,360,000 | $ 237,000 | $ 117,000 |
Mortgage Loan Application Totals in 2025 by Idaho County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ada | 27,660 | $ 9,916,620,000 | $ 358,000 | $ 169,000 |
| Adams | 233 | $ 73,765,000 | $ 316,000 | $ 173,000 |
| Bannock | 4,210 | $ 1,044,960,000 | $ 248,000 | $ 118,000 |
| Bear Lake | 340 | $ 114,180,000 | $ 335,000 | $ 223,000 |
| Benewah | 444 | $ 110,620,000 | $ 249,000 | $ 114,000 |
| Bingham | 2,237 | $ 536,935,000 | $ 240,000 | $ 128,000 |
| Blaine | 1,174 | $ 778,650,000 | $ 663,000 | $ 315,000 |
| Boise | 741 | $ 254,155,000 | $ 342,000 | $ 171,000 |
| Bonner | 3,148 | $ 1,199,040,000 | $ 380,000 | $ 181,000 |
| Bonneville | 6,674 | $ 1,776,190,000 | $ 266,000 | $ 134,000 |
| Boundary | 609 | $ 182,925,000 | $ 300,000 | $ 120,000 |
| Butte | 105 | $ 17,615,000 | $ 167,000 | $ 89,000 |
| Camas | 97 | $ 24,895,000 | $ 256,000 | $ 116,000 |
| Canyon | 15,486 | $ 4,410,345,000 | $ 284,000 | $ 123,000 |
| Caribou | 316 | $ 71,290,000 | $ 225,000 | $ 114,000 |
| Cassia | 1,063 | $ 242,325,000 | $ 227,000 | $ 127,000 |
| Clark | 18 | $ 3,100,000 | $ 172,000 | $ 83,000 |
| Clearwater | 386 | $ 84,230,000 | $ 218,000 | $ 109,000 |
| Custer | 194 | $ 53,300,000 | $ 274,000 | $ 151,000 |
| Elmore | 1,743 | $ 443,495,000 | $ 254,000 | $ 115,000 |
| Franklin | 774 | $ 211,340,000 | $ 273,000 | $ 122,000 |
| Fremont | 866 | $ 309,330,000 | $ 357,000 | $ 215,000 |
| Gem | 1,161 | $ 321,645,000 | $ 277,000 | $ 131,000 |
| Gooding | 618 | $ 127,980,000 | $ 207,000 | $ 103,000 |
| Idaho | 582 | $ 143,530,000 | $ 246,000 | $ 119,000 |
| Jefferson | 1,852 | $ 526,770,000 | $ 284,000 | $ 125,000 |
| Jerome | 1,070 | $ 227,140,000 | $ 212,000 | $ 107,000 |
| Kootenai | 10,479 | $ 4,087,645,000 | $ 390,000 | $ 173,000 |
| Latah | 1,192 | $ 385,950,000 | $ 323,000 | $ 146,000 |
| Lemhi | 280 | $ 69,900,000 | $ 249,000 | $ 107,000 |
| Lewis | 135 | $ 24,035,000 | $ 178,000 | $ 82,000 |
| Lincoln | 226 | $ 50,300,000 | $ 222,000 | $ 103,000 |
| Madison | 1,329 | $ 455,445,000 | $ 342,000 | $ 149,000 |
| Minidoka | 1,087 | $ 230,485,000 | $ 212,000 | $ 109,000 |
| Nez Perce | 1,688 | $ 438,930,000 | $ 260,000 | $ 124,000 |
| Oneida | 301 | $ 81,445,000 | $ 270,000 | $ 112,000 |
| Owyhee | 496 | $ 124,950,000 | $ 251,000 | $ 112,000 |
| Payette | 1,576 | $ 376,640,000 | $ 238,000 | $ 119,000 |
| Power | 273 | $ 56,805,000 | $ 208,000 | $ 110,000 |
| Shoshone | 803 | $ 171,475,000 | $ 213,000 | $ 115,000 |
| Teton | 962 | $ 541,410,000 | $ 562,000 | $ 281,000 |
| Twin Falls | 4,652 | $ 1,130,220,000 | $ 242,000 | $ 119,000 |
| Valley | 1,204 | $ 639,100,000 | $ 530,000 | $ 326,000 |
| Washington | 511 | $ 106,825,000 | $ 209,000 | $ 98,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Idaho's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Idaho's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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