Idaho
Mortgage Loan Application
Totals and Details
in 2020

Find mortgage statistics and mortgage data for Idaho.
Our lists allow you to explore the total number of mortgage applications and mortgage application details for 2003-2020 in all of Idaho.
You can organize this information by metropolitan area and by county.

Years 2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 198,973
Total Mortgage Loan Application Amount $48,517,590,000
Average Mortgage Loan Application Amount $243,000
Highest Mortgage Loan Application Amount $38,855,000
Average Applicant Income $108,000
Highest Applicant Income $9,995,000

Mortgage stats and application averages for each year are shown below, as well as highest application amount and the income of the highest applicant.
If you are looking for a mortgage or loan application data statistics in Idaho, these numbers will give you an idea of what to expect as you begin to look for a lender.

These lists can also be organized by various details about Mortgage Loan Applications for each year, with categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.

Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, and the highest mortgage within that category. You can also look at information regarding the average income of the mortgage applicants and the highest income of the mortgage applicants. If you're looking for a certain type of mortgage, these numbers will give you a better gauge of what to expect in various situations.

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Mortgage Loan Application Detail Totals for Idaho in 2020

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
Refinancing 72,916 $18,123,170,000 $248,000 $30,215,000 $111,000 $7,668,000
Home Purchase 63,044 $17,827,790,000 $282,000 $36,415,000 $110,000 $9,645,000
Cash-out Refinancing 47,703 $10,665,280,000 $223,000 $38,855,000 $98,000 $6,055,000
Home Improvement 8,156 $860,370,000 $105,000 $1,955,000 $106,000 $4,085,000
Other Purpose 6,246 $906,220,000 $145,000 $10,805,000 $138,000 $9,995,000
Not Applicable 908 $134,760,000 $148,000 $1,165,000 $54,000 $133,000

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 148,772 $35,289,075,000 $237,000 $16,895,000 $108,000 $9,995,000
Not Provided 24,552 $6,375,160,000 $259,000 $10,805,000 $118,000 $7,668,000
Not applicable 10,561 $3,675,125,000 $347,000 $38,855,000 $107,000 $1,677,000
Hispanic 9,980 $1,959,540,000 $196,000 $2,875,000 $80,000 $2,040,000
Asian 2,202 $565,120,000 $256,000 $2,645,000 $117,000 $2,112,000
American Indian or Alaskan Native 1,363 $285,765,000 $209,000 $1,505,000 $86,000 $780,000
Black or African American 859 $204,475,000 $238,000 $1,195,000 $95,000 $4,604,000
Native Hawaiian or Other Pacific Islander 300 $70,900,000 $236,000 $555,000 $96,000 $1,043,000

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) 158,435 $38,011,180,000 $239,000 $38,855,000 $114,000 $9,995,000
VA-guaranteed (Veterans Administration) 22,559 $6,433,415,000 $285,000 $1,535,000 $76,000 $1,022,000
FHA-insured (Federal Housing Administration) 16,277 $3,670,095,000 $225,000 $36,415,000 $63,000 $1,447,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1,702 $402,900,000 $236,000 $1,725,000 $66,000 $744,000

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 125,143 $31,002,455,000 $247,000 $38,855,000 $109,000 $9,995,000
Application Withdrawn By Applicant 23,788 $6,059,965,000 $254,000 $25,005,000 $116,000 $9,645,000
Application Denied By Financial Institution 18,008 $3,610,680,000 $200,000 $19,325,000 $91,000 $8,096,000
Loan Purchased By The Institution 14,531 $3,850,965,000 $265,000 $1,995,000 $103,000 $1,677,000
Application Approved But Not Accepted 10,714 $2,452,630,000 $228,000 $3,555,000 $116,000 $5,026,000
File Closed For Incompleteness 6,632 $1,505,850,000 $227,000 $10,745,000 $106,000 $3,997,000
Preapproval Denied by Financial Institution 92 $18,850,000 $204,000 $515,000 $80,000 $768,000
Preapproval Approved but not Accepted 65 $16,195,000 $249,000 $795,000 $99,000 $554,000

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 180,436 $44,775,895,000 $248,000 $38,855,000 $110,000 $9,995,000
Debt-To-Income Ratio 6,107 $1,315,005,000 $215,000 $4,725,000 $66,000 $1,598,000
Credit History 4,467 $689,265,000 $154,000 $2,025,000 $85,000 $5,110,000
Collateral 2,779 $498,585,000 $179,000 $19,325,000 $122,000 $5,622,000
Other 1,938 $450,420,000 $232,000 $3,725,000 $123,000 $5,240,000
Credit Application Incomplete 1,875 $456,325,000 $243,000 $1,205,000 $119,000 $8,096,000
Unverifiable Information 755 $172,395,000 $228,000 $3,355,000 $119,000 $4,867,000
Employment History 337 $79,685,000 $236,000 $1,955,000 $74,000 $759,000
Insufficient Cash (Downpayment, Closing Cost) 276 $78,240,000 $283,000 $2,935,000 $93,000 $572,000
Mortgage Insurance Denied 3 $1,775,000 $591,000 $1,255,000 $240,000 $441,000
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Mortgage Loan Application Totals in 2020 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 96,864 $ 24,478,615,000 $ 252,000 $ 109,000
COEUR D'ALENE, ID 24,106 $ 6,760,430,000 $ 280,000 $ 116,000
IDAHO FALLS, ID 16,368 $ 3,465,810,000 $ 211,000 $ 96,000
LEWISTON, ID-WA 3,179 $ 642,125,000 $ 201,000 $ 91,000
POCATELLO, ID 7,906 $ 1,429,380,000 $ 180,000 $ 89,000
TWIN FALLS, ID 9,807 $ 1,887,885,000 $ 192,000 $ 87,000
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Mortgage Loan Application Totals in 2020 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 65,811 $ 17,810,715,000 $ 270,000 $ 118,000
Adams 418 $ 97,170,000 $ 232,000 $ 122,000
Bannock 7,468 $ 1,363,640,000 $ 182,000 $ 89,000
Bear Lake 639 $ 148,325,000 $ 232,000 $ 130,000
Benewah 629 $ 116,975,000 $ 185,000 $ 91,000
Bingham 3,800 $ 738,390,000 $ 194,000 $ 89,000
Blaine 3,033 $ 1,447,825,000 $ 477,000 $ 240,000
Boise 1,174 $ 290,010,000 $ 247,000 $ 111,000
Bonner 5,791 $ 1,634,565,000 $ 282,000 $ 131,000
Bonneville 13,069 $ 2,730,675,000 $ 208,000 $ 97,000
Boundary 1,053 $ 234,035,000 $ 222,000 $ 83,000
Butte 149 $ 20,735,000 $ 139,000 $ 82,000
Camas 91 $ 15,895,000 $ 174,000 $ 123,000
Canyon 27,070 $ 5,772,855,000 $ 213,000 $ 87,000
Caribou 501 $ 80,965,000 $ 161,000 $ 79,000
Cassia 1,505 $ 258,645,000 $ 171,000 $ 82,000
Clark 20 $ 2,760,000 $ 138,000 $ 65,000
Clearwater 490 $ 82,130,000 $ 167,000 $ 75,000
Custer 307 $ 54,955,000 $ 179,000 $ 119,000
Elmore 2,665 $ 506,525,000 $ 190,000 $ 76,000
Franklin 1,236 $ 250,460,000 $ 202,000 $ 77,000
Fremont 1,441 $ 336,425,000 $ 233,000 $ 129,000
Gem 2,035 $ 447,935,000 $ 220,000 $ 86,000
Gooding 882 $ 148,360,000 $ 168,000 $ 79,000
Idaho 867 $ 173,075,000 $ 199,000 $ 90,000
Jefferson 3,150 $ 714,400,000 $ 226,000 $ 94,000
Jerome 1,686 $ 282,550,000 $ 167,000 $ 78,000
Kootenai 24,106 $ 6,760,430,000 $ 280,000 $ 116,000
Latah 2,331 $ 538,915,000 $ 231,000 $ 107,000
Lemhi 562 $ 112,910,000 $ 200,000 $ 92,000
Lewis 201 $ 31,635,000 $ 157,000 $ 71,000
Lincoln 271 $ 39,295,000 $ 145,000 $ 73,000
Madison 2,305 $ 564,765,000 $ 245,000 $ 105,000
Minidoka 1,290 $ 221,740,000 $ 171,000 $ 80,000
Nez Perce 3,179 $ 642,125,000 $ 201,000 $ 91,000
Oneida 377 $ 69,025,000 $ 183,000 $ 75,000
Owyhee 773 $ 156,685,000 $ 202,000 $ 79,000
Payette 2,271 $ 452,415,000 $ 199,000 $ 84,000
Power 438 $ 65,740,000 $ 150,000 $ 76,000
Shoshone 1,156 $ 176,620,000 $ 152,000 $ 76,000
Teton 1,599 $ 491,255,000 $ 307,000 $ 143,000
Twin Falls 8,121 $ 1,605,335,000 $ 197,000 $ 89,000
Valley 2,249 $ 691,505,000 $ 307,000 $ 203,000
Washington 764 $ 136,200,000 $ 178,000 $ 78,000

We hope these mortgage application details and statistics will give you a better idea of what to expect when applying for a mortgage.
Whether you are looking for a home loan, for home financing or refinancing, or for home improvement loan statistics, we have the information you need.
These mortgage application stats give you everything you need to know as you start your search for the best mortgage lender in Idaho.

If you prefer, you can download a copy of the entire list of mortgage lenders in Idaho and search similar information back through 2003.

Download the Idaho Lender List