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MARKET BENCHMARKS · HMDA PUBLIC DATA

Idaho mortgage market benchmarks

Idaho origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

56,607

+18.3% vs 2024

2024: 47,835

Volume 2025

$18.50B

originated $
2024: $14.98B

Denial rate 2025

14.5%

denied / actioned
2024: 16.2% denied / actioned

Reporting lenders 2025

612

HMDA reporters
2024: 592 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$12.5B$25B$37.5B$50B20182019202020212022202320242025$18.50B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%9.3%18.7%2018201920202021202220232024202514.5%

Idaho market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
202561290,24556,607$18.50B2025 origination volume56,607 loans originated14.5%2025 denial rate90,245 applications actioned51.6%44.7%
202459277,32147,835$14.98B2024 origination volume47,835 loans originated16.2%2024 denial rate77,321 applications actioned54.0%39.4%
202360971,45943,550$12.90B2023 origination volume43,550 loans originated16.2%2023 denial rate71,459 applications actioned55.9%36.1%
2022619109,20770,094$22.07B2022 origination volume70,094 loans originated13.4%2022 denial rate109,207 applications actioned43.3%61.1%
2021625188,568129,498$36.69B2021 origination volume129,498 loans originated9.5%2021 denial rate188,568 applications actioned30.6%91.5%
2020592184,929125,226$31.12B2020 origination volume125,226 loans originated9.8%2020 denial rate184,929 applications actioned34.4%82.1%
2019539126,51783,028$18.24B2019 origination volume83,028 loans originated12.9%2019 denial rate126,517 applications actioned47.0%66.4%
2018518102,41165,535$12.77B2018 origination volume65,535 loans originated15.3%2018 denial rate102,411 applications actioned57.4%40.8%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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