Idaho Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 84,486 mortgage applications in Idaho totaling $25.3 billion, up 11% from 2023. The average application was for $299,000, and applicants reported an average income of $142,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lenders were Idaho Central Credit Union (13,144 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.
Need in-depth lender data?
Download the Idaho mortgage lender list: a formatted spreadsheet with 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 | 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 | 84,486 |
| Total Mortgage Loan Application Amount | $25,296,300,000 |
| Average Mortgage Loan Application Amount | $299,000 |
| Highest Mortgage Loan Application Amount | $60,005,000 |
| Average Applicant Income | $142,000 |
| Highest Applicant Income | $9,999,000 |
Top 25 Mortgage Lenders in Idaho (2024)
Ranked by the number of mortgage applications each lender received for properties in Idaho in 2024, 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 |
13,144 | $2,897,990,000 | $220,480 | $153,729 |
| 2 | United Wholesale Mortgage Plymouth, MI |
3,438 | $1,309,300,000 | $380,831 | $137,040 |
| 3 | PennyMac Loan Services LLC Westlake Village, CA |
2,324 | $842,210,000 | $362,396 | $143,217 |
| 4 | US Bank, N.A. Cincinnati, OH |
2,311 | $616,645,000 | $266,830 | $157,691 |
| 5 | Mountain America Federal Credit Union Sandy, UT |
2,214 | $389,830,000 | $176,074 | $111,458 |
| 6 | Guild Mortgage Company San Diego, CA |
2,168 | $672,100,000 | $310,009 | $121,286 |
| 7 | Freedom Mortgage Corporation Boca Raton, FL |
2,114 | $833,600,000 | $394,323 | $114,945 |
| 8 | Premier Mortgage Resources, LLC Meridian, ID |
1,940 | $576,540,000 | $297,185 | $124,207 |
| 9 | Glacier Bank Kalispell, MT |
1,476 | $518,510,000 | $351,294 | $176,983 |
| 10 | Newrez LLC Fort Washington, PA |
1,382 | $504,460,000 | $365,021 | $138,651 |
| 11 | loanDepot.com LLC Irvine, CA |
1,339 | $374,325,000 | $279,555 | $119,256 |
| 12 | First Federal Savings Bank Twin Falls, ID |
1,201 | $253,355,000 | $210,953 | $133,835 |
| 13 | Discover Bank Greenwood, DE |
1,188 | $107,180,000 | $90,218 | $133,210 |
| 14 | Zions Bancorporation, N.A. Denver, CO |
1,073 | $451,315,000 | $420,610 | $192,419 |
| 15 | Movement Mortgage, LLC Indian Land, SC |
1,053 | $336,895,000 | $319,938 | $132,608 |
| 16 | Westmark Credit Union Idaho Falls, ID |
960 | $109,670,000 | $114,239 | $126,969 |
| 17 | Guaranteed Rate, Inc. Chicago, IL |
941 | $352,765,000 | $374,883 | $169,075 |
| 18 | Fairway Independent Mort Corp Madison, WI |
869 | $297,555,000 | $342,410 | $138,746 |
| 19 | Mortgage Research Center Columbia, MO |
864 | $319,680,000 | $370,000 | $106,808 |
| 20 | Potlatch No 1 Financial Credit U Lewiston, ID |
829 | $134,655,000 | $162,430 | $107,634 |
| 21 | CMG Mortgage Inc San Ramon, IL |
816 | $357,040,000 | $437,549 | $182,493 |
| 22 | American Pacific Mortgage Corporation Roseville, CA |
810 | $273,640,000 | $337,827 | $135,751 |
| 23 | Evergreen Moneysource Mortgage Company Bellevue, WA |
799 | $279,575,000 | $349,906 | $126,100 |
| 24 | Synergy One Lending, Inc. San Diego, CA |
787 | $258,225,000 | $328,113 | $145,557 |
| 25 | Figure Lending LLC San Francisco, CA |
755 | $63,825,000 | $84,536 | $115,467 |
The tables below break down 2024 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 2024
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 | 41,864 | $16,126,895,000 | $385,000 | $50,285,000 | $151,000 | $8,923,000 |
| Cash-out Refinancing | 15,118 | $3,545,815,000 | $234,000 | $9,005,000 | $120,000 | $6,371,000 |
| Home Improvement | 10,535 | $1,296,455,000 | $123,000 | $8,205,000 | $142,000 | $9,999,000 |
| Refinancing | 8,587 | $3,279,625,000 | $381,000 | $60,005,000 | $152,000 | $9,999,000 |
| Other Purpose | 8,321 | $1,033,605,000 | $124,000 | $12,915,000 | $130,000 | $4,894,000 |
| Not Applicable | 61 | $13,905,000 | $227,000 | $2,055,000 | $213,000 | $1,123,000 |
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 | 56,035 | $15,564,025,000 | $277,000 | $9,755,000 | $143,000 | $9,999,000 |
| Not Provided | 11,289 | $3,453,105,000 | $305,000 | $10,005,000 | $152,000 | $5,613,000 |
| Not applicable | 7,430 | $3,737,080,000 | $503,000 | $60,005,000 | $155,000 | $1,123,000 |
| Hispanic | 7,045 | $1,694,785,000 | $240,000 | $3,905,000 | $115,000 | $8,532,000 |
| Asian | 1,367 | $497,945,000 | $364,000 | $19,005,000 | $161,000 | $1,962,000 |
| American Indian or Alaskan Native | 689 | $169,505,000 | $246,000 | $2,005,000 | $111,000 | $1,113,000 |
| Black or African American | 448 | $127,810,000 | $285,000 | $1,135,000 | $120,000 | $3,897,000 |
| Native Hawaiian or Other Pacific Islander | 183 | $52,045,000 | $284,000 | $1,245,000 | $148,000 | $3,740,000 |
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) | 65,427 | $18,191,485,000 | $278,000 | $60,005,000 | $151,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 11,340 | $3,845,570,000 | $339,000 | $50,285,000 | $94,000 | $3,683,000 |
| VA-guaranteed (Veterans Administration) | 7,506 | $3,201,860,000 | $426,000 | $2,805,000 | $113,000 | $1,111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 213 | $57,385,000 | $269,000 | $695,000 | $91,000 | $182,000 |
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 | 47,827 | $14,587,370,000 | $305,000 | $49,145,000 | $146,000 | $9,999,000 |
| Application Denied By Financial Institution | 12,342 | $2,640,290,000 | $213,000 | $60,005,000 | $117,000 | $9,999,000 |
| Application Withdrawn By Applicant | 9,999 | $3,359,465,000 | $335,000 | $50,285,000 | $147,000 | $5,000,000 |
| Loan Purchased By The Institution | 7,766 | $2,943,425,000 | $379,000 | $2,835,000 | $141,000 | $1,123,000 |
| Application Approved But Not Accepted | 3,922 | $1,130,520,000 | $288,000 | $12,915,000 | $164,000 | $6,411,000 |
| File Closed For Incompleteness | 2,502 | $590,050,000 | $235,000 | $4,205,000 | $126,000 | $3,992,000 |
| Preapproval Approved but not Accepted | 98 | $35,750,000 | $364,000 | $765,000 | $129,000 | $600,000 |
| Preapproval Denied by Financial Institution | 30 | $9,430,000 | $314,000 | $765,000 | $126,000 | $356,000 |
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 | 71,122 | $22,352,410,000 | $314,000 | $50,285,000 | $146,000 | $9,999,000 |
| Debt-To-Income Ratio | 6,482 | $1,375,740,000 | $212,000 | $22,135,000 | $100,000 | $5,871,000 |
| Credit History | 2,255 | $372,685,000 | $165,000 | $5,405,000 | $119,000 | $3,745,000 |
| Collateral | 1,876 | $417,460,000 | $222,000 | $15,575,000 | $165,000 | $9,999,000 |
| Credit Application Incomplete | 1,269 | $271,575,000 | $214,000 | $10,325,000 | $128,000 | $3,000,000 |
| Other | 771 | $256,665,000 | $332,000 | $60,005,000 | $145,000 | $6,500,000 |
| Unverifiable Information | 367 | $106,095,000 | $289,000 | $3,515,000 | $172,000 | $1,322,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 226 | $100,110,000 | $442,000 | $19,005,000 | $154,000 | $2,805,000 |
| Employment History | 117 | $41,415,000 | $353,000 | $8,955,000 | $95,000 | $1,043,000 |
| Mortgage Insurance Denied | 1 | $2,145,000 | $2,145,000 | $2,145,000 | $0 | $0 |
Mortgage Loan Application Totals in 2024 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 | 38,267 | $ 12,084,005,000 | $ 315,000 | $ 145,000 |
| Coeur D'Alene, ID | 8,669 | $ 2,976,695,000 | $ 343,000 | $ 156,000 |
| Idaho Falls, ID | 7,127 | $ 1,940,335,000 | $ 272,000 | $ 127,000 |
| Lewiston, ID-WA | 1,416 | $ 319,810,000 | $ 225,000 | $ 108,000 |
| Pocatello, ID | 3,907 | $ 884,635,000 | $ 226,000 | $ 118,000 |
| Twin Falls, ID | 5,029 | $ 1,149,885,000 | $ 228,000 | $ 116,000 |
Mortgage Loan Application Totals in 2024 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 | 22,783 | $ 7,718,745,000 | $ 338,000 | $ 162,000 |
| Adams | 211 | $ 71,445,000 | $ 338,000 | $ 143,000 |
| Bannock | 3,907 | $ 884,635,000 | $ 226,000 | $ 118,000 |
| Bear Lake | 298 | $ 93,300,000 | $ 313,000 | $ 198,000 |
| Benewah | 368 | $ 87,210,000 | $ 236,000 | $ 104,000 |
| Bingham | 1,909 | $ 445,365,000 | $ 233,000 | $ 112,000 |
| Blaine | 912 | $ 606,110,000 | $ 664,000 | $ 326,000 |
| Boise | 599 | $ 181,805,000 | $ 303,000 | $ 142,000 |
| Bonner | 2,398 | $ 878,010,000 | $ 366,000 | $ 181,000 |
| Bonneville | 5,613 | $ 1,548,415,000 | $ 275,000 | $ 126,000 |
| Boundary | 498 | $ 135,230,000 | $ 271,000 | $ 110,000 |
| Butte | 99 | $ 17,895,000 | $ 180,000 | $ 90,000 |
| Camas | 67 | $ 15,265,000 | $ 227,000 | $ 130,000 |
| Canyon | 13,438 | $ 3,808,120,000 | $ 283,000 | $ 120,000 |
| Caribou | 299 | $ 72,095,000 | $ 241,000 | $ 112,000 |
| Cassia | 930 | $ 199,030,000 | $ 214,000 | $ 108,000 |
| Clark | 21 | $ 3,745,000 | $ 178,000 | $ 81,000 |
| Clearwater | 285 | $ 59,265,000 | $ 207,000 | $ 106,000 |
| Custer | 142 | $ 31,340,000 | $ 220,000 | $ 126,000 |
| Elmore | 1,319 | $ 333,205,000 | $ 252,000 | $ 104,000 |
| Franklin | 628 | $ 159,630,000 | $ 254,000 | $ 114,000 |
| Fremont | 656 | $ 188,660,000 | $ 287,000 | $ 152,000 |
| Gem | 984 | $ 267,040,000 | $ 271,000 | $ 112,000 |
| Gooding | 496 | $ 97,410,000 | $ 196,000 | $ 93,000 |
| Idaho | 434 | $ 96,300,000 | $ 221,000 | $ 103,000 |
| Jefferson | 1,415 | $ 374,025,000 | $ 264,000 | $ 134,000 |
| Jerome | 924 | $ 191,110,000 | $ 206,000 | $ 98,000 |
| Kootenai | 8,669 | $ 2,976,695,000 | $ 343,000 | $ 156,000 |
| Latah | 1,031 | $ 311,465,000 | $ 302,000 | $ 127,000 |
| Lemhi | 224 | $ 56,480,000 | $ 252,000 | $ 121,000 |
| Lewis | 116 | $ 22,280,000 | $ 192,000 | $ 91,000 |
| Lincoln | 206 | $ 46,070,000 | $ 223,000 | $ 178,000 |
| Madison | 1,060 | $ 291,640,000 | $ 275,000 | $ 177,000 |
| Minidoka | 930 | $ 169,300,000 | $ 182,000 | $ 96,000 |
| Nez Perce | 1,416 | $ 319,810,000 | $ 225,000 | $ 108,000 |
| Oneida | 284 | $ 65,060,000 | $ 229,000 | $ 106,000 |
| Owyhee | 463 | $ 108,295,000 | $ 233,000 | $ 110,000 |
| Payette | 1,355 | $ 319,115,000 | $ 235,000 | $ 110,000 |
| Power | 232 | $ 52,340,000 | $ 225,000 | $ 99,000 |
| Shoshone | 668 | $ 137,310,000 | $ 205,000 | $ 112,000 |
| Teton | 677 | $ 344,505,000 | $ 508,000 | $ 255,000 |
| Twin Falls | 4,105 | $ 958,775,000 | $ 233,000 | $ 121,000 |
| Valley | 968 | $ 453,100,000 | $ 468,000 | $ 264,000 |
| Washington | 449 | $ 99,655,000 | $ 221,000 | $ 110,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Idaho's 2024 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About