Idaho
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Discover comprehensive Idaho mortgage statistics and HMDA loan application data from 2003 to 2023.
Explore detailed insights into the total number of mortgage applications, loan amounts, and lending trends across the state.
Our interactive lists allow you to analyze mortgage data by county and metropolitan area, helping you track regional lending patterns.

Need in-depth lender data?
Easily download a formatted spreadsheet containing aggregated HMDA statistics for all Idaho based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Idaho's mortgage market trends.

Years 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 76,352
Total Mortgage Loan Application Amount $21,802,745,000
Average Mortgage Loan Application Amount $285,000
Highest Mortgage Loan Application Amount $47,535,000
Average Applicant Income $139,000
Highest Applicant Income $9,999,000

Explore comprehensive HMDA mortgage statistics and application trends for 2023 in Idaho. Below, you'll find key insights, including total mortgage applications, average loan amounts, highest application amounts, and the income levels of top applicants. If you're researching mortgage and loan application data in Idaho, these statistics will help you understand market trends and lending patterns as you navigate the mortgage process.

Our HMDA dataset allows you to analyze mortgage loan applications for 2023 across various categories, including loan purpose, applicant race, loan type, application outcomes, and reasons for denial. These detailed breakdowns provide valuable insights into borrower demographics and lender activity, making them an essential resource for homebuyers, real estate professionals, and industry analysts.

Each category highlights the total number of mortgage applications, total loan amounts, average mortgage sizes, and the highest loan amounts within each segment. You can also explore borrower income data, including average applicant income and the highest reported incomes for mortgage applicants. Whether you're evaluating lender performance, researching loan approval trends, or comparing mortgage options, this HMDA-backed data offers a valuable snapshot of the mortgage landscape in Idaho.

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Mortgage Loan Application Detail Totals for Idaho in 2023

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 38,647 $14,481,245,000 $374,000 $47,535,000 $147,000 $9,750,000
Cash-out Refinancing 14,095 $3,230,985,000 $229,000 $32,485,000 $115,000 $9,999,000
Home Improvement 10,748 $1,231,110,000 $114,000 $3,505,000 $134,000 $7,200,000
Other Purpose 7,421 $1,093,075,000 $147,000 $22,455,000 $147,000 $9,401,000
Refinancing 5,342 $1,742,545,000 $326,000 $35,175,000 $144,000 $9,295,000
Not Applicable 99 $23,785,000 $240,000 $3,505,000 $61,000 $164,000

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 52,434 $13,944,390,000 $265,000 $9,995,000 $141,000 $9,750,000
Not Provided 10,634 $3,160,810,000 $297,000 $7,505,000 $149,000 $9,999,000
Hispanic 5,850 $1,276,290,000 $218,000 $2,505,000 $105,000 $9,295,000
Not applicable 5,050 $2,718,895,000 $538,000 $47,535,000 $167,000 $1,641,000
Asian 972 $313,210,000 $322,000 $2,005,000 $152,000 $5,015,000
American Indian or Alaskan Native 601 $150,345,000 $250,000 $6,415,000 $119,000 $2,400,000
Black or African American 413 $115,895,000 $280,000 $1,305,000 $122,000 $2,938,000
Native Hawaiian or Other Pacific Islander 158 $47,680,000 $301,000 $2,355,000 $126,000 $545,000

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) 61,545 $16,630,500,000 $270,000 $47,535,000 $149,000 $9,999,000
FHA-insured (Federal Housing Administration) 9,091 $2,908,985,000 $319,000 $35,175,000 $88,000 $2,004,000
VA-guaranteed (Veterans Administration) 5,522 $2,211,380,000 $400,000 $1,865,000 $107,000 $1,494,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 194 $51,880,000 $267,000 $1,485,000 $87,000 $369,000

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 43,513 $12,619,540,000 $290,000 $40,805,000 $145,000 $9,999,000
Application Denied By Financial Institution 11,347 $2,237,605,000 $197,000 $26,485,000 $112,000 $8,600,000
Application Withdrawn By Applicant 9,698 $2,975,600,000 $306,000 $24,405,000 $143,000 $7,856,000
Loan Purchased By The Institution 5,532 $2,196,910,000 $397,000 $10,975,000 $160,000 $2,423,000
Application Approved But Not Accepted 3,456 $1,068,140,000 $309,000 $47,535,000 $155,000 $9,401,000
File Closed For Incompleteness 2,685 $659,775,000 $245,000 $27,365,000 $119,000 $9,295,000
Preapproval Approved but not Accepted 69 $24,115,000 $349,000 $1,165,000 $136,000 $720,000
Preapproval Denied by Financial Institution 52 $21,060,000 $405,000 $3,125,000 $120,000 $932,000

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 64,518 $19,322,615,000 $299,000 $47,535,000 $144,000 $9,999,000
Debt-To-Income Ratio 5,789 $1,280,115,000 $221,000 $35,175,000 $91,000 $4,931,000
Credit History 2,202 $330,570,000 $150,000 $3,505,000 $112,000 $5,251,000
Collateral 1,695 $355,395,000 $209,000 $26,485,000 $173,000 $8,600,000
Other 882 $187,010,000 $212,000 $10,505,000 $129,000 $2,196,000
Credit Application Incomplete 613 $146,975,000 $239,000 $9,995,000 $155,000 $5,431,000
Unverifiable Information 373 $98,915,000 $265,000 $1,965,000 $133,000 $1,921,000
Insufficient Cash (Downpayment, Closing Cost) 171 $55,105,000 $322,000 $2,085,000 $122,000 $558,000
Employment History 106 $25,260,000 $238,000 $1,125,000 $79,000 $404,000
Mortgage Insurance Denied 3 $785,000 $261,000 $375,000 $83,000 $115,000
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Mortgage Loan Application Totals in 2023 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 33,957 $ 10,163,705,000 $ 299,000 $ 141,000
COEUR D'ALENE, ID 7,539 $ 2,528,885,000 $ 335,000 $ 160,000
IDAHO FALLS, ID 6,615 $ 1,613,225,000 $ 243,000 $ 120,000
LEWISTON, ID-WA 1,303 $ 286,685,000 $ 220,000 $ 108,000
POCATELLO, ID 3,588 $ 782,420,000 $ 218,000 $ 112,000
TWIN FALLS, ID 4,738 $ 978,870,000 $ 206,000 $ 106,000
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Mortgage Loan Application Totals in 2023 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 20,007 $ 6,493,290,000 $ 324,000 $ 158,000
Adams 190 $ 54,440,000 $ 286,000 $ 157,000
Bannock 3,359 $ 738,305,000 $ 219,000 $ 114,000
Bear Lake 338 $ 88,080,000 $ 260,000 $ 170,000
Benewah 313 $ 73,365,000 $ 234,000 $ 102,000
Bingham 1,767 $ 376,125,000 $ 212,000 $ 117,000
Blaine 1,002 $ 757,140,000 $ 755,000 $ 314,000
Boise 534 $ 155,780,000 $ 291,000 $ 166,000
Bonner 2,233 $ 769,265,000 $ 344,000 $ 204,000
Bonneville 5,287 $ 1,297,475,000 $ 245,000 $ 121,000
Boundary 478 $ 133,650,000 $ 279,000 $ 105,000
Butte 119 $ 18,595,000 $ 156,000 $ 89,000
Camas 59 $ 11,355,000 $ 192,000 $ 100,000
Canyon 12,137 $ 3,193,880,000 $ 263,000 $ 116,000
Caribou 254 $ 55,370,000 $ 217,000 $ 150,000
Cassia 790 $ 154,700,000 $ 195,000 $ 110,000
Clark 18 $ 2,090,000 $ 116,000 $ 69,000
Clearwater 251 $ 46,415,000 $ 184,000 $ 95,000
Custer 131 $ 33,035,000 $ 252,000 $ 183,000
Elmore 1,236 $ 289,690,000 $ 234,000 $ 97,000
Franklin 578 $ 132,300,000 $ 228,000 $ 111,000
Fremont 635 $ 189,575,000 $ 298,000 $ 184,000
Gem 845 $ 222,205,000 $ 262,000 $ 121,000
Gooding 510 $ 97,220,000 $ 190,000 $ 92,000
Idaho 440 $ 86,330,000 $ 196,000 $ 94,000
Jefferson 1,209 $ 297,155,000 $ 245,000 $ 120,000
Jerome 872 $ 162,600,000 $ 186,000 $ 97,000
Kootenai 7,539 $ 2,528,885,000 $ 335,000 $ 160,000
Latah 908 $ 242,700,000 $ 267,000 $ 143,000
Lemhi 258 $ 51,840,000 $ 200,000 $ 116,000
Lewis 119 $ 21,205,000 $ 178,000 $ 96,000
Lincoln 149 $ 28,365,000 $ 190,000 $ 135,000
Madison 1,002 $ 272,350,000 $ 271,000 $ 130,000
Minidoka 898 $ 166,530,000 $ 185,000 $ 97,000
Nez Perce 1,303 $ 286,685,000 $ 220,000 $ 108,000
Oneida 231 $ 49,575,000 $ 214,000 $ 103,000
Owyhee 434 $ 98,550,000 $ 227,000 $ 109,000
Payette 1,162 $ 255,240,000 $ 219,000 $ 100,000
Power 229 $ 44,115,000 $ 192,000 $ 95,000
Shoshone 623 $ 124,155,000 $ 199,000 $ 103,000
Teton 708 $ 361,265,000 $ 510,000 $ 234,000
Twin Falls 3,866 $ 816,270,000 $ 211,000 $ 108,000
Valley 888 $ 438,260,000 $ 493,000 $ 292,000
Washington 443 $ 87,325,000 $ 197,000 $ 94,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Idaho's 2023 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.

Download the Idaho Lender List