Mortgage lending in Clearwater County, Idaho

Lenders in Clearwater County, Idaho reported 375 mortgage applications for 2025, according to the CFPB.

375 mortgage applications and 200 loans originated in 2025; the denial rate was 25.3% of 293 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Clearwater County, ID.

375
Applications: 200
Loans originated: 25.3%
Denial rate: 74 denied of 293 applications decided.

Every year

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Mortgage applications and loans originated in Clearwater County, Idaho, by year
Year	Applications	Originated	Denied
2025	375	200	74
2024	276	148	60
2023	232	148	46
2022	405	224	80
2021	520	279	95
2020	469	262	85
2019	337	183	62
2018	278	147	53

The largest lenders here

Lenders in Clearwater County, Idaho by loans originated, 2025
Lender	Originated	Applications
Freedom Northwest Credit Union	33	33
Potlatch No 1 Financial Credit U	29	48
Rocket Mortgage	22	27
Idaho Central Credit Union	17	34
US Bank, N.A.	8	16
Synergy One Lending, Inc.	7	8
United Wholesale Mortgage	6	13
Mortgage Research Center	5	14
Banner Bank	5	12
Land Home Financial Services,	4	8
American Financing Corporation	4	7
Freedom Mortgage Corporation	4	5
CMG Mortgage Inc	3	3
American Pacific Mortgage Corporation	3	6
Guaranteed Rate, Inc.	3	8
Canopy Mortgage, LLC	3	4
Planet Home Lending, LLC	2	2
loanDepot.com LLC	2	5
Newrez LLC	2	9
Agwest Farm Credit, Flca	2	2
Columbia Bank	2	2
Wells Fargo Bank NA	2	2
HomeStreet Bank	1	1
NBKC Bank	1	2
Cornerstone First Mortgage, LLC	1	1

Applications by race, ethnicity and sex, 2025

By race, Clearwater County, Idaho: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Asian	under 10
White	313	25.7% of 249 decided
Joint	under 10
Race Not Available	47	no rate: base under 50

By ethnicity, Clearwater County, Idaho: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	307	25.9% of 243 decided
Joint	under 10
Ethnicity Not Available	53	no rate: base under 50

By sex, Clearwater County, Idaho: applications and denial rate
Category	Applications	Denial rate
Male	126	29.0% of 100 decided
Female	46	no rate: base under 50
Joint	176	21.8% of 133 decided
Sex Not Available	27	no rate: base under 50

A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.

Rankings this appears in

No. 1123 Counties by median mortgage

Sources

HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved October 22, 2026