Lenders › United Wholesale Mortgage › Idaho
United Wholesale Mortgage 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.
United Wholesale Mortgage's 2024 HMDA record for Idaho covers 3,436 applications, 2,712 of them originated, worth $1.0bn.
Its denial rate in the state was 10.4%, below the Idaho rate of 19.4% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Idaho originations was -0.0 percentage points (state median 0.3).
Applications in the state were up 25% on 2023.
Compared with the state and the lender's national record
| Measure | In Idaho | Idaho, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.4% | 19.4% | 13.4% | 24.3% |
| Median rate spread, pp | -0.0 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.8% | 15.9% | 5.8% | 15.6% |
| Average originated loan | $384k | $314k | $382k | $329k |
| Home purchase share | 72.7% | 54.0% | 67.0% | 57.0% |
| FHA-insured share | 19.7% | 12.5% | 20.3% | 13.4% |
| VA-guaranteed share | 18.5% | 8.0% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIdaho, all lenders
Loan purpose and loan type in Idaho
By purpose
Home purchase 73% (1,971)Refinancing 14% (378)Cash-out refinancing 13% (363)
By type
Conventional 61% (1,665)FHA 20% (534)VA 19% (502)USDA 0% (11)
Denial reasons as coded
Share of 320 denials in Idaho by first denial reason coded (outlined bar: all lenders in the state).
Counties in Idaho
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Ada County | 919 | 772 | $338m | 6.3% |
| Canyon County | 651 | 531 | $192m | 9.3% |
| Kootenai County | 253 | 193 | $89m | 11.7% |
| Bonneville County | 198 | 143 | $50m | 15.1% |
| Bannock County | 167 | 138 | $45m | 8.0% |
| Twin Falls County | 161 | 131 | $42m | 8.3% |
| Nez Perce County | 141 | 107 | $35m | 13.0% |
| Latah County | 125 | 99 | $36m | 8.2% |
| Bonner County | 69 | 50 | $22m | 13.6% |
| Bingham County | 63 | 44 | $14m | 20.0% |
| Blaine County | 50 | 40 | $18m | 9.1% |
| Payette County | 51 | 38 | $15m | 13.6% |
| Franklin County | 51 | 36 | $13m | 15.9% |
| Elmore County | 46 | 36 | $13m | 9.5% |
| Gem County | 42 | 35 | $14m | 12.5% |
| Jerome County | 38 | 33 | $9.7m | 2.9% |
| Jefferson County | 41 | 28 | $11m | 17.1% |
| Idaho County | 32 | 27 | $6.5m | 9.7% |
| Madison County | 28 | 22 | $7.4m | 8.0% |
| Valley County | 31 | 19 | $9.7m | — |
| Shoshone County | 27 | 17 | $4.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Idaho in 2024?
2,712 loans totalling $1.0bn, from 3,436 applications reported for properties in Idaho.
What is United Wholesale Mortgage's denial rate in Idaho?
10.4% of decided applications in Idaho were denied, against 19.4% for all lenders in the state and 13.4% 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 United Wholesale Mortgage lend in most?
By originations: Ada County (772), Canyon County (531), Kootenai County (193), Bonneville County (143), Bannock County (138).
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.