Mortgage Approval and Denial Rates in Idaho (2025 HMDA)
Mortgage denial rates in Idaho: lenders acted on 89,662 mortgage applications in Idaho in 2025 and denied 14.4% of them, down from 16.1% in 2024. The national denial rate was 17.7%.
Applications acted on
89,662
Loans originated
56,565
Denial rate
14.4%
Median loan
$265,000
Idaho against the national picture
Most-reported denial reason in Idaho: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Power County | 251 | 22.7% | $165,000 |
| Custer County | 173 | 22.0% | $215,000 |
| Shoshone County | 720 | 21.0% | $205,000 |
| Lincoln County | 206 | 20.9% | $215,000 |
| Butte County | 100 | 20.0% | $165,000 |
| Clearwater County | 375 | 19.7% | $185,000 |
| Bear Lake County | 305 | 19.7% | $225,000 |
| Benewah County | 412 | 19.2% | $205,000 |
| Blaine County | 1,100 | 18.9% | $395,000 |
| Franklin County | 685 | 18.7% | $255,000 |
| Gooding County | 568 | 18.5% | $195,000 |
| Oneida County | 265 | 18.1% | $255,000 |
| Cassia County | 973 | 18.0% | $205,000 |
| Teton County | 870 | 18.0% | $405,000 |
| Minidoka County | 1,009 | 17.8% | $195,000 |
| Washington County | 466 | 17.8% | $190,000 |
| Caribou County | 288 | 17.7% | $205,000 |
| Jerome County | 998 | 17.6% | $185,000 |
| Bonner County | 2,851 | 17.3% | $315,000 |
| Boise County | 669 | 17.0% | $295,000 |
| Bingham County | 2,006 | 16.7% | $205,000 |
| Gem County | 1,054 | 16.5% | $245,000 |
| Fremont County | 783 | 16.3% | $275,000 |
| Madison County | 1,169 | 16.2% | $255,000 |
| Owyhee County | 459 | 16.1% | $205,000 |
| Valley County | 1,076 | 15.8% | $395,000 |
| Jefferson County | 1,644 | 15.4% | $255,000 |
| Twin Falls County | 4,282 | 15.3% | $225,000 |
| Elmore County | 1,567 | 15.3% | $255,000 |
| Boundary County | 557 | 15.3% | $265,000 |
| Bannock County | 3,765 | 15.0% | $205,000 |
| Adams County | 220 | 15.0% | $255,000 |
| Payette County | 1,428 | 14.8% | $215,000 |
| Kootenai County | 9,281 | 14.2% | $325,000 |
| Bonneville County | 5,847 | 13.8% | $235,000 |
| Nez Perce County | 1,554 | 13.8% | $245,000 |
| Canyon County | 13,476 | 13.7% | $275,000 |
| Idaho County | 552 | 13.4% | $205,000 |
| Latah County | 1,119 | 12.7% | $285,000 |
| Lemhi County | 251 | 12.7% | $225,000 |
| Lewis County | 122 | 12.3% | $155,000 |
| Ada County | 24,059 | 12.1% | $315,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.