Lenders › First Colony Mortgage Corporation › Idaho
First Colony Mortgage Corporation in Idaho
HMDA record for properties in Idaho, calendar year 2024. National record · Idaho overview
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.
First Colony Mortgage Corporation's 2024 HMDA record for Idaho covers 583 applications, 433 of them originated, worth $146m.
Its denial rate in the state was 5.1%, below the Idaho rate of 19.4% across all lenders and compared with the lender's national rate of 5.2%.
The median rate spread on its Idaho originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 18% on 2023.
Compared with the state and the lender's national record
| Measure | In Idaho | Idaho, all lenders | First Colony Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.1% | 19.4% | 5.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.1% | 15.9% | 3.6% | 15.6% |
| Average originated loan | $337k | $314k | $383k | $329k |
| Home purchase share | 91.5% | 54.0% | 85.4% | 57.0% |
| FHA-insured share | 20.8% | 12.5% | 21.4% | 13.4% |
| VA-guaranteed share | 8.5% | 8.0% | 8.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIdaho, all lenders
Loan purpose and loan type in Idaho
By purpose
Home purchase 91% (396)Refinancing 4% (18)Cash-out refinancing 4% (19)
By type
Conventional 70% (301)FHA 21% (90)VA 9% (37)USDA 1% (5)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Idaho
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bannock County | 153 | 125 | $32m | 3.0% |
| Ada County | 103 | 85 | $40m | 2.3% |
| Bonneville County | 101 | 65 | $23m | 5.8% |
| Payette County | 30 | 26 | $8.2m | 0.0% |
| Jefferson County | 30 | 21 | $7.5m | 3.8% |
| Bingham County | 33 | 19 | $5.4m | — |
| Canyon County | 31 | 19 | $7.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Colony Mortgage Corporation originate in Idaho in 2024?
433 loans totalling $146m, from 583 applications reported for properties in Idaho.
What is First Colony Mortgage Corporation's denial rate in Idaho?
5.1% of decided applications in Idaho were denied, against 19.4% for all lenders in the state and 5.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Idaho counties does First Colony Mortgage Corporation lend in most?
By originations: Bannock County (125), Ada County (85), Bonneville County (65), Payette County (26), Jefferson County (21).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Idaho. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.