States › Idaho › Payette County
Payette 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 1,266 mortgage applications in Payette County, Idaho, for 2024, and originated 762 loans worth $180m.
That is 78.6 originations per 1,000 households, against 67.1 for Idaho and 48.0 nationally.
The county's denial rate was 19.8%, close to the state rate of 19.4%. The median rate spread on originated loans was 0.6 percentage points and 22.5% of originations were 1.5 points or more above the average prime offer rate.
11 lenders reached 25 applications in the county; the most active by originations were Idaho Central Credit Union (99), Guild Mortgage Company (70) and Rocket Mortgage (51).
Originations were up 16% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | 166 | 99 | $20m | 20.6% | — |
| 2 | Guild Mortgage Company | 84 | 70 | $16m | 4.1% | — |
| 3 | Rocket Mortgage | 66 | 51 | $11m | 21.5% | — |
| 4 | Rogue Credit Union | 61 | 43 | $3.9m | 17.0% | — |
| 5 | United Wholesale Mortgage | 51 | 38 | $15m | 13.6% | — |
| 6 | Us Bank, N.A. | 47 | 26 | $3.8m | 35.0% | — |
| 7 | First Colony Mortgage Corporation | 30 | 26 | $8.2m | 0.0% | — |
| 8 | Evergreen Moneysource Mortgage Company | 32 | 23 | $5.1m | 0.0% | — |
| 9 | D. L. Evans Bank | 35 | 22 | $3.5m | 21.4% | — |
| 10 | Zions Bancorporation, N.A. | 33 | 18 | $3.7m | 27.3% | — |
| 11 | Premier Mortgage Resources, LLC | 29 | 18 | $4.5m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 11. Denial rate is denials over decided applications in this county.
Compared with Idaho and the nation
| Measure | This county | Idaho | United States |
|---|---|---|---|
| Denial rate | 19.8% | 19.4% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.5% | 15.9% | 15.6% |
| Average originated loan | $236k | $314k | $329k |
| Originations per 1,000 households | 78.6 | 67.1 | 48.0 |
| Home purchase share of originations | 48.0% | 54.0% | 57.0% |
| FHA-insured share | 17.1% | 12.5% | 13.4% |
| VA-guaranteed share | 8.1% | 8.0% | 7.9% |
Rate spread distribution
Share of 648 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 48% (366)Home improvement 14% (108)Refinancing 9% (69)Cash-out refinancing 19% (144)Other purpose 10% (75)
By type
Conventional 74% (567)FHA 17% (130)VA 8% (62)USDA 0% (3)
Trend by year
ApplicationsOriginations
This countyIdaho
Questions and answers
Which lenders are most active in Payette County, ID?
By 2024 originations: Idaho Central Credit Union (99), Guild Mortgage Company (70), Rocket Mortgage (51), Rogue Credit Union (43), United Wholesale Mortgage (38). 11 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Payette County?
19.8% of decided applications were denied in 2024, against 19.4% across Idaho and 24.3% nationally.
How many mortgages were originated in Payette County in 2024?
762 loans totalling $180m, from 1,266 applications; 78.6 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 16075; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.