Idaho Central Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Idaho Central Credit Union 2022 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 | Idaho Central Credit Union 4400 Central Way Chubbuck, ID 83201 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 | 19,631 |
| Total Mortgage Loan Application Amount | $4,245,305,000 |
| Average Mortgage Loan Application Amount | $257,250 |
| Highest Mortgage Loan Application Amount | $35,005,000 |
| Average Applicant Income | $132,250 |
| Highest Applicant Income | $4,333,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Idaho Central Credit Union. 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 Idaho Central Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Idaho Central Credit Union'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 Idaho Central Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Idaho Central Credit Union, 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 Idaho Central Credit Union's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ada County Idaho | 7,154 | $ 1,650,980,000 | $ 230,000 | $ 146,000 |
| Canyon County Idaho | 2,932 | $ 541,340,000 | $ 184,000 | $ 110,000 |
| Kootenai County Idaho | 1,405 | $ 361,355,000 | $ 257,000 | $ 151,000 |
| Bonneville County Idaho | 1,342 | $ 288,030,000 | $ 214,000 | $ 127,000 |
| Bannock County Idaho | 1,270 | $ 224,220,000 | $ 176,000 | $ 110,000 |
| Twin Falls County Idaho | 984 | $ 173,390,000 | $ 176,000 | $ 100,000 |
| Bingham County Idaho | 573 | $ 108,565,000 | $ 189,000 | $ 111,000 |
| Jefferson County Idaho | 298 | $ 72,100,000 | $ 241,000 | $ 124,000 |
| Madison County Idaho | 236 | $ 63,090,000 | $ 267,000 | $ 118,000 |
| Cassia County Idaho | 230 | $ 39,670,000 | $ 172,000 | $ 95,000 |
| Minidoka County Idaho | 211 | $ 33,225,000 | $ 157,000 | $ 84,000 |
| Jerome County Idaho | 207 | $ 30,565,000 | $ 147,000 | $ 94,000 |
| Gem County Idaho | 193 | $ 43,585,000 | $ 225,000 | $ 127,000 |
| Valley County Idaho | 190 | $ 70,420,000 | $ 370,000 | $ 202,000 |
| Spokane County Washington | 174 | $ 43,080,000 | $ 247,000 | $ 133,000 |
| Bonner County Idaho | 163 | $ 45,365,000 | $ 278,000 | $ 140,000 |
| Latah County Idaho | 159 | $ 31,115,000 | $ 195,000 | $ 143,000 |
| Nez Perce County Idaho | 154 | $ 27,000,000 | $ 175,000 | $ 148,000 |
| Fremont County Idaho | 148 | $ 43,330,000 | $ 292,000 | $ 163,000 |
| Payette County Idaho | 144 | $ 30,690,000 | $ 213,000 | $ 113,000 |
| Boise County Idaho | 134 | $ 32,690,000 | $ 243,000 | $ 142,000 |
| Teton County Idaho | 121 | $ 46,695,000 | $ 385,000 | $ 187,000 |
| Gooding County Idaho | 109 | $ 18,855,000 | $ 172,000 | $ 88,000 |
| Elmore County Idaho | 103 | $ 21,705,000 | $ 210,000 | $ 105,000 |
| Owyhee County Idaho | 98 | $ 17,560,000 | $ 179,000 | $ 105,000 |
| Power County Idaho | 96 | $ 14,470,000 | $ 150,000 | $ 95,000 |
| Shoshone County Idaho | 68 | $ 9,900,000 | $ 145,000 | $ 97,000 |
| Blaine County Idaho | 65 | $ 19,155,000 | $ 294,000 | $ 203,000 |
| Washington County Idaho | 46 | $ 10,140,000 | $ 220,000 | $ 142,000 |
| Caribou County Idaho | 39 | $ 5,375,000 | $ 137,000 | $ 88,000 |
| Lincoln County Idaho | 37 | $ 6,815,000 | $ 184,000 | $ 71,000 |
| Adams County Idaho | 30 | $ 8,090,000 | $ 269,000 | $ 129,000 |
| Bear Lake County Idaho | 29 | $ 5,485,000 | $ 189,000 | $ 140,000 |
| Asotin County Washington | 28 | $ 4,380,000 | $ 156,000 | $ 91,000 |
| Clearwater County Idaho | 27 | $ 3,335,000 | $ 123,000 | $ 73,000 |
| Idaho County Idaho | 26 | $ 4,230,000 | $ 162,000 | $ 117,000 |
| Malheur County Oregon | 26 | $ 4,460,000 | $ 171,000 | $ 85,000 |
| King County Washington | 23 | $ 6,195,000 | $ 269,000 | $ 197,000 |
| Whitman County Washington | 22 | $ 3,430,000 | $ 155,000 | $ 101,000 |
| Lemhi County Idaho | 19 | $ 4,055,000 | $ 213,000 | $ 111,000 |
| Custer County Idaho | 18 | $ 3,910,000 | $ 217,000 | $ 82,000 |
| Benewah County Idaho | 15 | $ 3,175,000 | $ 211,000 | $ 116,000 |
| Snohomish County Washington | 14 | $ 2,930,000 | $ 209,000 | $ 218,000 |
| Stevens County Washington | 14 | $ 4,950,000 | $ 353,000 | $ 140,000 |
| Franklin County Idaho | 13 | $ 1,885,000 | $ 145,000 | $ 168,000 |
| Boundary County Idaho | 12 | $ 2,410,000 | $ 200,000 | $ 84,000 |
| Butte County Idaho | 12 | $ 2,320,000 | $ 193,000 | $ 89,000 |
| Oneida County Idaho | 12 | $ 2,570,000 | $ 214,000 | $ 105,000 |
| Pierce County Washington | 10 | $ 1,700,000 | $ 170,000 | $ 197,000 |
| Camas County Idaho | 8 | $ 810,000 | $ 101,000 | $ 69,000 |
| Pend Oreille County Washington | 8 | $ 1,920,000 | $ 240,000 | $ 118,000 |
| Maricopa County Arizona | 6 | $ 2,530,000 | $ 421,000 | $ 334,000 |
| Lewis County Idaho | 6 | $ 780,000 | $ 130,000 | $ 92,000 |
| Deschutes County Oregon | 6 | $ 2,850,000 | $ 475,000 | $ 112,000 |
| Utah County Utah | 6 | $ 1,970,000 | $ 328,000 | $ 198,000 |
| Benton County Washington | 6 | $ 940,000 | $ 156,000 | $ 138,000 |
| Thurston County Washington | 6 | $ 860,000 | $ 143,000 | $ 101,000 |
| Lincoln County Oregon | 5 | $ 1,475,000 | $ 295,000 | $ 141,000 |
| Washington County Utah | 5 | $ 2,005,000 | $ 401,000 | $ 275,000 |
| Lincoln County Washington | 5 | $ 995,000 | $ 199,000 | $ 73,000 |
| Skagit County Washington | 5 | $ 1,715,000 | $ 343,000 | $ 333,000 |
| Clark County Idaho | 4 | $ 320,000 | $ 80,000 | $ 41,000 |
| Clark County Nevada | 4 | $ 1,450,000 | $ 362,000 | $ 235,000 |
| Baker County Oregon | 4 | $ 390,000 | $ 97,000 | $ 95,000 |
| Adams County Washington | 4 | $ 510,000 | $ 127,000 | $ 130,000 |
| Grant County Washington | 4 | $ 380,000 | $ 95,000 | $ 119,000 |
| Kitsap County Washington | 4 | $ 510,000 | $ 127,000 | $ 85,000 |
| Missoula County Montana | 3 | $ 1,175,000 | $ 391,000 | $ 221,000 |
| Elko County Nevada | 3 | $ 295,000 | $ 98,000 | $ 88,000 |
| Cache County Utah | 3 | $ 125,000 | $ 41,000 | $ 151,000 |
| Chelan County Washington | 3 | $ 955,000 | $ 318,000 | $ 146,000 |
| Clark County Washington | 3 | $ 635,000 | $ 211,000 | $ 211,000 |
| Kittitas County Washington | 3 | $ 545,000 | $ 181,000 | $ 205,000 |
| Okanogan County Washington | 3 | $ 165,000 | $ 55,000 | $ 60,000 |
| Whatcom County Washington | 3 | $ 885,000 | $ 295,000 | $ 136,000 |
| Yakima County Washington | 3 | $ 175,000 | $ 58,000 | $ 116,000 |
| Mohave County Arizona | 2 | $ 1,220,000 | $ 610,000 | $ 187,000 |
| Pima County Arizona | 2 | $ 450,000 | $ 225,000 | $ 164,000 |
| Gallatin County Montana | 2 | $ 620,000 | $ 310,000 | $ 104,000 |
| Ravalli County Montana | 2 | $ 680,000 | $ 340,000 | $ 91,000 |
| Yellowstone County Montana | 2 | $ 710,000 | $ 355,000 | $ 88,000 |
| Lander County Nevada | 2 | $ 490,000 | $ 245,000 | $ 117,000 |
| Merrimack County New Hampshire | 2 | $ 90,000 | $ 45,000 | $ 187,000 |
| Curry County Oregon | 2 | $ 150,000 | $ 75,000 | $ 55,000 |
| Lane County Oregon | 2 | $ 350,000 | $ 175,000 | $ 66,000 |
| Morrow County Oregon | 2 | $ 640,000 | $ 320,000 | $ 129,000 |
| Multnomah County Oregon | 2 | $ 720,000 | $ 360,000 | $ 99,000 |
| Davis County Utah | 2 | $ 1,170,000 | $ 585,000 | $ 405,000 |
| Rich County Utah | 2 | $ 1,140,000 | $ 570,000 | $ 125,000 |
| Salt Lake County Utah | 2 | $ 580,000 | $ 290,000 | $ 174,000 |
| Clallam County Washington | 2 | $ 330,000 | $ 165,000 | $ 150,000 |
| Douglas County Washington | 2 | $ 240,000 | $ 120,000 | $ 132,000 |
| Franklin County Washington | 2 | $ 200,000 | $ 100,000 | $ 95,000 |
| Island County Washington | 2 | $ 880,000 | $ 440,000 | $ 140,000 |
| Mason County Washington | 2 | $ 410,000 | $ 205,000 | $ 153,000 |
| Walla Walla County Washington | 2 | $ 560,000 | $ 280,000 | $ 126,000 |
| Contra Costa County California | 1 | $ 225,000 | $ 225,000 | $ 216,000 |
| Orange County California | 1 | $ 4,135,000 | $ 4,135,000 | $ 0 |
| Placer County California | 1 | $ 155,000 | $ 155,000 | $ 168,000 |
| Larimer County Colorado | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Beaverhead County Montana | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Cascade County Montana | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
| Deer Lodge County Montana | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Flathead County Montana | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Jefferson County Montana | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Pondera County Montana | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Sanders County Montana | 1 | $ 395,000 | $ 395,000 | $ 151,000 |
| Belknap County New Hampshire | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Morris County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 202,000 |
| Bernalillo County New Mexico | 1 | $ 45,000 | $ 45,000 | $ 184,000 |
| Durham County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Benton County Oregon | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Coos County Oregon | 1 | $ 285,000 | $ 285,000 | $ 53,000 |
| Jackson County Oregon | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Jefferson County Oregon | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Polk County Oregon | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Umatilla County Oregon | 1 | $ 425,000 | $ 425,000 | $ 114,000 |
| Union County Oregon | 1 | $ 615,000 | $ 615,000 | $ 163,000 |
| Wallowa County Oregon | 1 | $ 105,000 | $ 105,000 | $ 275,000 |
| Washington County Oregon | 1 | $ 405,000 | $ 405,000 | $ 244,000 |
| Wheeler County Oregon | 1 | $ 475,000 | $ 475,000 | $ 120,000 |
| Bexar County Texas | 1 | $ 305,000 | $ 305,000 | $ 490,000 |
| Sanpete County Utah | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Tooele County Utah | 1 | $ 475,000 | $ 475,000 | $ 135,000 |
| Weber County Utah | 1 | $ 605,000 | $ 605,000 | $ 742,000 |
| Garfield County Washington | 1 | $ 225,000 | $ 225,000 | $ 43,000 |
| Grays Harbor County Washington | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Pacific County Washington | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| San Juan County Washington | 1 | $ 395,000 | $ 395,000 | $ 132,000 |
| Skamania County Washington | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Teton County Wyoming | 1 | $ 255,000 | $ 255,000 | $ 282,000 |
Mortgage Loan Application Detail Totals for Idaho Central Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 6,932 | $1,100,760,000 | $158,000 | $2,285,000 | $128,000 | $3,991,000 |
| Home Improvement | 6,614 | $853,090,000 | $128,000 | $1,305,000 | $128,000 | $1,980,000 |
| Home Purchase | 4,673 | $1,778,665,000 | $380,000 | $35,005,000 | $133,000 | $4,333,000 |
| Refinancing | 1,412 | $512,790,000 | $363,000 | $4,155,000 | $140,000 | $3,565,000 |
| 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 | 14,983 | $3,228,395,000 | $215,000 | $3,505,000 | $132,000 | $4,333,000 |
| Not Provided | 2,268 | $510,540,000 | $225,000 | $10,005,000 | $150,000 | $3,565,000 |
| Hispanic | 1,717 | $310,575,000 | $180,000 | $1,285,000 | $93,000 | $983,000 |
| Asian | 279 | $73,915,000 | $264,000 | $1,505,000 | $132,000 | $1,388,000 |
| American Indian or Alaskan Native | 155 | $30,525,000 | $196,000 | $995,000 | $102,000 | $360,000 |
| Black or African American | 98 | $19,400,000 | $197,000 | $785,000 | $122,000 | $2,155,000 |
| Native Hawaiian or Other Pacific Islander | 30 | $6,190,000 | $206,000 | $745,000 | $145,000 | $581,000 |
| Not applicable | 20 | $48,310,000 | $2,415,000 | $35,005,000 | $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) | 19,069 | $4,068,855,000 | $213,000 | $35,005,000 | $132,000 | $4,333,000 |
| FHA-insured (Federal Housing Administration) | 394 | $112,600,000 | $285,000 | $525,000 | $75,000 | $283,000 |
| VA-guaranteed (Veterans Administration) | 151 | $59,125,000 | $391,000 | $865,000 | $102,000 | $340,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $4,725,000 | $277,000 | $435,000 | $70,000 | $124,000 |
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 | 13,127 | $2,963,635,000 | $225,000 | $35,005,000 | $137,000 | $3,565,000 |
| Application Denied By Financial Institution | 2,943 | $378,125,000 | $128,000 | $2,205,000 | $96,000 | $2,500,000 |
| Application Approved But Not Accepted | 2,869 | $811,535,000 | $282,000 | $10,005,000 | $133,000 | $4,333,000 |
| File Closed For Incompleteness | 381 | $44,925,000 | $117,000 | $2,005,000 | $137,000 | $1,500,000 |
| Application Withdrawn By Applicant | 311 | $47,085,000 | $151,000 | $1,505,000 | $146,000 | $3,100,000 |
| 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 | 16,688 | $3,867,180,000 | $231,000 | $35,005,000 | $136,000 | $4,333,000 |
| Debt-To-Income Ratio | 1,789 | $237,825,000 | $132,000 | $2,205,000 | $83,000 | $606,000 |
| Credit History | 591 | $71,625,000 | $121,000 | $1,275,000 | $88,000 | $2,500,000 |
| Collateral | 440 | $47,720,000 | $108,000 | $895,000 | $155,000 | $1,764,000 |
| Credit Application Incomplete | 44 | $5,080,000 | $115,000 | $925,000 | $129,000 | $919,000 |
| Other | 30 | $5,560,000 | $185,000 | $1,605,000 | $128,000 | $1,032,000 |
| Unverifiable Information | 28 | $5,640,000 | $201,000 | $475,000 | $121,000 | $520,000 |
| Employment History | 18 | $3,680,000 | $204,000 | $475,000 | $60,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $995,000 | $331,000 | $395,000 | $175,000 | $396,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Idaho Central Credit Union's 2022 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 Idaho Central Credit Union'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.