Bank Of Idaho
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Bank Of Idaho 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bank Of Idaho 399 N Capital Idaho Falls, ID 83402 Tel #: available with data download |
| Federal Regulator | * available with data download |
| 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 | 200 |
| Total Mortgage Loan Application Amount | $74,450,000 |
| Average Mortgage Loan Application Amount | $421,333 |
| Highest Mortgage Loan Application Amount | $2,665,000 |
| Average Applicant Income | $236,333 |
| Highest Applicant Income | $1,838,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Bank Of Idaho. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank Of Idaho's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Bank Of Idaho's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank Of Idaho serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Of Idaho, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank Of Idaho's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bannock County Idaho | 30 | $ 7,520,000 | $ 250,000 | $ 96,000 |
| Ada County Idaho | 23 | $ 15,145,000 | $ 658,000 | $ 446,000 |
| Canyon County Idaho | 20 | $ 8,980,000 | $ 449,000 | $ 321,000 |
| Fremont County Idaho | 20 | $ 6,670,000 | $ 333,000 | $ 223,000 |
| Lemhi County Idaho | 20 | $ 5,980,000 | $ 299,000 | $ 94,000 |
| Bonneville County Idaho | 18 | $ 7,360,000 | $ 408,000 | $ 146,000 |
| Twin Falls County Idaho | 11 | $ 2,915,000 | $ 265,000 | $ 129,000 |
| Custer County Idaho | 6 | $ 980,000 | $ 163,000 | $ 63,000 |
| Spokane County Washington | 4 | $ 1,070,000 | $ 267,000 | $ 199,000 |
| Blaine County Idaho | 3 | $ 3,665,000 | $ 1,221,000 | $ 756,000 |
| Boise County Idaho | 3 | $ 995,000 | $ 331,000 | $ 175,000 |
| Jerome County Idaho | 3 | $ 485,000 | $ 161,000 | $ 75,000 |
| Bingham County Idaho | 2 | $ 510,000 | $ 255,000 | $ 71,000 |
| Caribou County Idaho | 2 | $ 250,000 | $ 125,000 | $ 82,000 |
| Gem County Idaho | 2 | $ 650,000 | $ 325,000 | $ 193,000 |
| Payette County Idaho | 2 | $ 600,000 | $ 300,000 | $ 301,000 |
| Teton County Idaho | 2 | $ 870,000 | $ 435,000 | $ 137,000 |
| Columbia County Washington | 2 | $ 270,000 | $ 135,000 | $ 63,000 |
| Maricopa County Arizona | 1 | $ 365,000 | $ 365,000 | $ 243,000 |
| Mohave County Arizona | 1 | $ 145,000 | $ 145,000 | $ 244,000 |
| Bear Lake County Idaho | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Butte County Idaho | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Franklin County Idaho | 1 | $ 385,000 | $ 385,000 | $ 96,000 |
| Gooding County Idaho | 1 | $ 215,000 | $ 215,000 | $ 121,000 |
| Idaho County Idaho | 1 | $ 155,000 | $ 155,000 | $ 130,000 |
| Jefferson County Idaho | 1 | $ 305,000 | $ 305,000 | $ 153,000 |
| Kootenai County Idaho | 1 | $ 345,000 | $ 345,000 | $ 106,000 |
| Latah County Idaho | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
| Madison County Idaho | 1 | $ 405,000 | $ 405,000 | $ 133,000 |
| Minidoka County Idaho | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Valley County Idaho | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Washington County Idaho | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Boone County Missouri | 1 | $ 145,000 | $ 145,000 | $ 85,000 |
| Beaverhead County Montana | 1 | $ 395,000 | $ 395,000 | $ 99,000 |
| Missoula County Montana | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Musselshell County Montana | 1 | $ 375,000 | $ 375,000 | $ 85,000 |
| Baker County Oregon | 1 | $ 825,000 | $ 825,000 | $ 251,000 |
| Umatilla County Oregon | 1 | $ 825,000 | $ 825,000 | $ 780,000 |
| Cache County Utah | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Kane County Utah | 1 | $ 245,000 | $ 245,000 | $ 121,000 |
| Washington County Utah | 1 | $ 235,000 | $ 235,000 | $ 348,000 |
| Chesapeake County Virginia | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Benton County Washington | 1 | $ 185,000 | $ 185,000 | $ 313,000 |
| Yakima County Washington | 1 | $ 195,000 | $ 195,000 | $ 225,000 |
| Carbon County Wyoming | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Bank Of 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 | 145 | $48,445,000 | $334,000 | $2,665,000 | $181,000 | $1,838,000 |
| Refinancing | 35 | $17,245,000 | $492,000 | $2,005,000 | $208,000 | $897,000 |
| Cash-out Refinancing | 20 | $8,760,000 | $438,000 | $2,005,000 | $320,000 | $1,636,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 176 | $66,670,000 | $378,000 | $2,665,000 | $206,000 | $1,838,000 |
| Not Provided | 11 | $4,035,000 | $366,000 | $1,055,000 | $184,000 | $479,000 |
| Hispanic | 11 | $2,905,000 | $264,000 | $395,000 | $91,000 | $113,000 |
| American Indian or Alaskan Native | 1 | $215,000 | $215,000 | $215,000 | $118,000 | $118,000 |
| Asian | 1 | $625,000 | $625,000 | $625,000 | $624,000 | $624,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 152 | $59,390,000 | $390,000 | $2,665,000 | $234,000 | $1,838,000 |
| FHA-insured (Federal Housing Administration) | 32 | $9,370,000 | $292,000 | $455,000 | $89,000 | $231,000 |
| VA-guaranteed (Veterans Administration) | 13 | $4,605,000 | $354,000 | $935,000 | $99,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $1,085,000 | $361,000 | $385,000 | $102,000 | $106,000 |
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 | 168 | $64,580,000 | $384,000 | $2,665,000 | $217,000 | $1,838,000 |
| Application Withdrawn By Applicant | 21 | $6,055,000 | $288,000 | $645,000 | $86,000 | $183,000 |
| Application Denied By Financial Institution | 6 | $1,860,000 | $310,000 | $385,000 | $124,000 | $243,000 |
| Application Approved But Not Accepted | 5 | $1,955,000 | $391,000 | $725,000 | $197,000 | $348,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 194 | $72,590,000 | $374,000 | $2,665,000 | $202,000 | $1,838,000 |
| Debt-To-Income Ratio | 4 | $1,190,000 | $297,000 | $385,000 | $105,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $355,000 | $355,000 | $355,000 | $243,000 | $243,000 |
| Credit History | 1 | $315,000 | $315,000 | $315,000 | $82,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of Idaho's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank Of Idaho's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Idaho, download the full spreadsheet
with aggregated HMDA statistics today.