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Bonner County, Idaho
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,206 mortgage applications in Bonner County, Idaho, for 2024, and originated 1,277 loans worth $479m.
That is 63.0 originations per 1,000 households, against 67.1 for Idaho and 48.0 nationally.
The county's denial rate was 23.5%, above the state rate of 19.4%. The median rate spread on originated loans was 0.5 percentage points and 16.3% of originations were 1.5 points or more above the average prime offer rate.
22 lenders reached 25 applications in the county; the most active by originations were Glacier Bank (115), Spokane Teachers Credit Union (76) and Idaho Central Credit Union (68).
Originations were up 10% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Glacier Bank | 213 | 115 | $41m | 24.7% | — |
| 2 | Spokane Teachers Credit Union | 138 | 76 | $12m | 30.0% | — |
| 3 | Idaho Central Credit Union | 107 | 68 | $20m | 24.0% | — |
| 4 | Rocket Mortgage | 88 | 65 | $19m | 17.5% | — |
| 5 | Evergreen Moneysource Mortgage Company | 81 | 58 | $23m | 1.5% | — |
| 6 | United Wholesale Mortgage | 69 | 50 | $22m | 13.6% | — |
| 7 | Willamette Valley Bank | 74 | 49 | $18m | 5.6% | — |
| 8 | Potlatch No 1 Financial Credit U | 83 | 47 | $9.4m | 22.4% | — |
| 9 | Umpqua Bank | 70 | 41 | $14m | 23.2% | — |
| 10 | Washington Trust Bank | 61 | 41 | $27m | 19.6% | — |
| 11 | Us Bank, N.A. | 63 | 34 | $14m | 41.4% | — |
| 12 | Horizon Credit Union | 62 | 32 | $4.5m | 37.7% | — |
| 13 | Guaranteed Rate, Inc. | 55 | 30 | $11m | 17.9% | — |
| 14 | Highlands Residential Mortgage, Ltd. | 36 | 29 | $11m | 3.3% | — |
| 15 | CMG Mortgage Inc | 35 | 26 | $13m | 3.3% | — |
| 16 | Loandepot.com, LLC | 44 | 23 | $7.8m | 27.3% | — |
| 17 | Guild Mortgage Company | 28 | 21 | $6.5m | — | — |
| 18 | Numerica Credit Union | 31 | 18 | $7.6m | 35.7% | — |
| 19 | Navy Federal Credit Union | 33 | 16 | $4.5m | — | — |
| 20 | Bank of America NA | 27 | 9 | $2.3m | — | — |
| 21 | Mortgage Research Center | 32 | 5 | $4.1m | — | — |
| 22 | Discover Bank | 30 | 5 | $455k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 22. Denial rate is denials over decided applications in this county.
Compared with Idaho and the nation
| Measure | This county | Idaho | United States |
|---|---|---|---|
| Denial rate | 23.5% | 19.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.3% | 15.9% | 15.6% |
| Average originated loan | $375k | $314k | $329k |
| Originations per 1,000 households | 63.0 | 67.1 | 48.0 |
| Home purchase share of originations | 47.1% | 54.0% | 57.0% |
| FHA-insured share | 6.0% | 12.5% | 13.4% |
| VA-guaranteed share | 7.8% | 8.0% | 7.9% |
Rate spread distribution
Share of 1,139 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Idaho). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 47% (601)Home improvement 14% (183)Refinancing 12% (150)Cash-out refinancing 15% (195)Other purpose 12% (148)
By type
Conventional 86% (1,101)FHA 6% (76)VA 8% (99)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyIdaho
Questions and answers
Which lenders are most active in Bonner County, ID?
By 2024 originations: Glacier Bank (115), Spokane Teachers Credit Union (76), Idaho Central Credit Union (68), Rocket Mortgage (65), Evergreen Moneysource Mortgage Company (58). 22 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Bonner County?
23.5% of decided applications were denied in 2024, against 19.4% across Idaho and 24.3% nationally.
How many mortgages were originated in Bonner County in 2024?
1,277 loans totalling $479m, from 2,206 applications; 63.0 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 16017; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.