Lender Register

States › Idaho

Idaho mortgage lending

Every HMDA reporter's applications, originations and denial rate for properties in Idaho, with all 44 counties.

Lenders, 25+ applications 203
Households 713,005
Population 2,001,619

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. Record year 2024.

Idaho had 77,150 HMDA-reported mortgage applications and 47,849 originations ($15bn) in 2024, from 203 lenders with at least 25 applications in the state.

The statewide denial rate was 19.4% (national 24.3%) and the median rate spread 0.3 percentage points (national 0.3). Originations ran at 67.1 per 1,000 households, against 48.0 nationally.

Originations in the state went from 65,550 in 2018 to 47,849 in 2024; the denial rate moved from 17.9% to 19.4%.

The most active lenders by originations were Idaho Central Credit Union (8,181), Rocket Mortgage (2,754) and United Wholesale Mortgage (2,712).

77,150applications, 2024
47,849loans originated$15bn
19.4%denial rateUS 24.3%
67.1originations per 1,000 householdsUS 48.0

Most active lenders in Idaho

#LenderApplicationsOriginationsAmountDenial rateMedian spread
1Idaho Central Credit Union13,3618,181$1.9bn20.8%0.2
2Rocket Mortgage3,4262,754$759m12.9%0.4
3United Wholesale Mortgage3,4362,712$1.0bn10.4%-0.0
4Guild Mortgage Company2,0981,591$500m4.1%0.3
5Premier Mortgage Resources, LLC1,9391,345$395m4.5%0.3
6Us Bank, N.A.2,2031,162$336m36.7%0.8
7Mountain America Federal Credit Union2,2071,029$196m40.7%0.9
8Glacier Bank1,474947$307m17.3%0.4
9Loandepot.com, LLC1,336880$266m17.8%0.4
10Movement Mortgage, LLC1,053778$248m4.2%0.5
11First Federal Savings Bank1,190708$139m18.7%0.4
12Westmark Credit Union1,106644$71m28.8%-1.1
13Evergreen Moneysource Mortgage Company799633$221m1.9%0.5
14American Pacific Mortgage Corporation808626$211m5.3%0.4
15Fairway Independent Mort Corp851615$212m6.5%0.3
16Zions Bancorporation, N.A.1,067607$258m22.8%0.4
17Synergy One Lending, Inc.787592$202m6.2%0.3
18Guaranteed Rate, Inc.850574$219m6.5%0.2
19CMG Mortgage Inc715526$227m4.5%0.4
20Pennymac Loan Services LLC863515$168m15.7%0.4
21Potlatch No 1 Financial Credit U829514$82m17.3%0.4
22D. L. Evans Bank687487$137m18.4%0.9
23Capital Educators Fed CU662468$71m17.8%0.2
24First Colony Mortgage Corporation583433$146m5.1%0.3
25Toll Brothers Mortgage Company601414$159m4.7%-0.1
26Mortgage Research Center863406$155m23.6%-0.2
27Willamette Valley Bank584404$153m5.5%0.3
28Pioneer Federal Credit Union579387$44m10.7%0.9
29Eagle Bank and Trust Company420365$118m1.3%0.1
30Spokane Teachers Credit Union571335$47m27.8%1.1
31Mutual of Omaha Mortgage446327$103m13.9%0.2
32Beehive Federal Credit Union509325$49m19.0%1.0
33Canopy Mortgage, LLC474319$103m3.0%0.3
34Nationstar Mortgage437306$60m14.4%3.2
35Navy Federal Credit Union550291$74m24.3%0.3
36Freedom Mortgage Corporation608287$103m14.6%0.1
37Washington Trust Bank448286$113m26.5%0.6
38Umpqua Bank459282$94m18.5%1.3
39Crosscountry Mortgage, LLC436282$121m3.4%0.3
40Lennar Mortgage, LLC399282$106m7.5%-1.2
41Summit Funding.Inc397267$78m7.8%0.6
42Primelending339256$89m2.7%0.2
43America First Federal Credit Union371254$35m18.4%0.4
44Sunflower Bank, N.A.351250$98m2.0%0.3
45Kind Lending, LLC363248$97m19.6%0.3
46Figure Lending LLC542235$19m31.8%3.9
47Discover Bank1,188227$21m72.0%2.3
48JPMorgan Chase Bank, NA329227$114m8.7%0.0
49Freedom Northwest Credit Union243226$41m0.4%—
50Cornerstone Capital Bank, Ssb266218$62m1.8%0.4
51New American Funding, LLC.570216$68m26.8%0.8
52NFM, Inc297216$69m0.9%0.5
53Waterstone Mortgage Corporation266214$71m2.7%0.4
54The Loan Store, Inc313212$75m12.6%0.3
55Churchill Mortgage Corporation312208$68m5.4%0.5
56Newrez LLC567207$65m32.6%0.5
57First Interstate Bank371206$39m33.9%1.2
58Planet Home Lending, LLC238197$64m11.6%0.4
59Axia Financial LLC247192$48m6.0%0.7
60Connections Credit Union214190$25m2.1%0.2

Top 60 of 203 lenders with at least 25 applications in the state, by originations. 111 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

MeasureIdahoUnited States
Denial rate19.4%24.3%
Median rate spread, pp0.30.3
Originations with spread of 1.5 pp or more15.9%15.6%
Average originated loan$314k$329k
Originations per 1,000 households67.148.0
Home purchase share of originations54.0%57.0%
FHA-insured share12.5%13.4%
VA-guaranteed share8.0%7.9%

Trend, 2018–2024

ApplicationsOriginations

094,464188,9282018: 100,408 Applications2019: 125,650 Applications2020: 185,259 Applications2021: 188,928 Applications2022: 108,696 Applications2023: 71,356 Applications2024: 77,150 Applications2018: 65,550 Originations2019: 83,053 Originations2020: 125,718 Originations2021: 129,941 Originations2022: 69,948 Originations2023: 43,599 Originations2024: 47,849 Originations2018201920202021202220232024
Applications and originations in Idaho by year

IdahoUnited States

0%12.7%25.3%2018: 17.9% Idaho2019: 15.4% Idaho2020: 11.8% Idaho2021: 11.5% Idaho2022: 16.3% Idaho2023: 19.8% Idaho2024: 19.4% Idaho2018201920202021202220232024
Denial rate by year, US dashed

FHA share of originationsVA share

0%6.3%12.5%2018: 11.2% FHA share of originations2019: 10.1% FHA share of originations2020: 7.1% FHA share of originations2021: 6.1% FHA share of originations2022: 8.3% FHA share of originations2023: 11.7% FHA share of originations2024: 12.5% FHA share of originations2018: 8.6% VA share2019: 10.2% VA share2020: 10.3% VA share2021: 8.5% VA share2022: 6.3% VA share2023: 6.4% VA share2024: 8% VA share2018201920202021202220232024
FHA-insured and VA-guaranteed shares of originations in Idaho by year
YearApplicationsOriginationsAmountDenial rateFHAVARefinance share
2018100,40865,550$13bn17.9%11.2%8.6%25.5%
2019125,65083,053$18bn15.4%10.1%10.2%42.5%
2020185,259125,718$31bn11.8%7.1%10.3%59.1%
2021188,928129,941$37bn11.5%6.1%8.5%59.7%
2022108,69669,948$22bn16.3%8.3%6.3%35.7%
202371,35643,599$13bn19.8%11.7%6.4%21.4%
202477,15047,849$15bn19.4%12.5%8.0%24.3%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 54% (25,840)Home improvement 13% (6,362)Refinancing 9% (4,430)Cash-out refinancing 15% (7,202)Other purpose 8% (4,003)

By type

Conventional 79% (37,898)FHA 13% (5,992)VA 8% (3,849)USDA 0% (110)

Counties

CountyApplicationsOriginationsPer 1,000 householdsDenial rateMedian spreadLenders
Ada County20,43713,40966.216.1%0.2101
Canyon County11,9777,69389.418.1%0.375
Kootenai County7,8034,87768.519.2%0.457
Bonneville County4,9953,14171.118.8%0.338
Twin Falls County3,8072,36668.120.5%0.422
Bannock County3,5522,20865.719.4%0.427
Bonner County2,2061,27763.023.5%0.522
Bingham County1,7361,00262.124.8%0.415
Nez Perce County1,32286350.018.3%0.412
Jefferson County1,28776975.423.1%0.410
Payette County1,26676278.619.8%0.611
Elmore County1,19171164.217.5%0.211
Latah County98461838.017.3%0.48
Madison County95960445.317.8%0.48
Valley County907539124.821.2%0.56
Blaine County87751649.624.6%0.59
Cassia County86951260.321.7%0.46
Minidoka County86450462.222.2%0.66
Gem County89449865.224.9%0.48
Jerome County87349559.826.2%0.48
Teton County63837880.820.6%0.44
Shoshone County61535561.624.5%0.67
Fremont County59833972.823.6%0.53
Franklin County56233066.924.0%0.46
Boise County55831186.624.4%0.52
Boundary County45427654.721.7%0.54
Idaho County40926939.715.9%0.46
Gooding County46226045.625.1%0.54
Washington County41723656.224.0%0.52
Owyhee County43623153.229.2%0.71
Benewah County33918545.429.3%0.51
Caribou County26817871.917.6%0.41
Bear Lake County28217576.819.7%0.42
Clearwater County27614840.726.4%0.42
Oneida County26514072.922.4%0.41
Power County21311841.927.4%0.72
Lemhi County21011433.025.6%0.51
Adams County19811363.626.6%0.51
Lincoln County1919249.835.9%0.71
Lewis County1066541.320.0%0.60
Custer County1336432.929.8%0.20
Butte County905551.321.4%0.60
Camas County6637100.027.3%0.60
Clark County19828.7——0

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Idaho originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in Idaho?

By 2024 originations: Idaho Central Credit Union (8,181), Rocket Mortgage (2,754), United Wholesale Mortgage (2,712), Guild Mortgage Company (1,591), Premier Mortgage Resources, LLC (1,345). 203 lenders had at least 25 applications in the state.

What is the mortgage denial rate in Idaho?

19.4% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in Idaho changed since 2018?

Originations went from 65,550 in 2018 to 47,849 in 2024; the denial rate moved from 17.9% to 19.4%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.