Mortgage lending in Gem County, Idaho
Lenders in Gem County, Idaho reported 1,055 mortgage applications for 2025, according to the CFPB.
1,055 mortgage applications and 620 loans originated in 2025; the denial rate was 20.5% of 848 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Gem County, ID HUD Metro FMR Area.
- 1,055
- Applications
- 620
- Loans originated
- 20.5%
- Denial rate
- 174 denied of 848 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,055 | 620 |
| 2024 | 894 | 498 |
| 2023 | 800 | 462 |
| 2022 | 1,252 | 788 |
| 2021 | 2,085 | 1,421 |
| 2020 | 1,904 | 1,213 |
| 2019 | 1,285 | 798 |
| 2018 | 1,150 | 718 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Idaho Central Credit Union | 100 | 164 |
| United Wholesale Mortgage | 46 | 68 |
| Rocket Mortgage | 39 | 48 |
| Guild Mortgage Company | 36 | 45 |
| Waterstone Mortgage Corporation | 22 | 25 |
| US Bank, N.A. | 22 | 40 |
| Premier Mortgage Resources, LLC | 21 | 33 |
| Evergreen Moneysource Mortgage Company | 20 | 25 |
| First Interstate Bank | 18 | 26 |
| loanDepot.com LLC | 12 | 22 |
| American Pacific Mortgage Corporation | 12 | 16 |
| Mountain America Federal Credit Union | 11 | 32 |
| Synergy One Lending, Inc. | 10 | 14 |
| Sunflower Bank, N.A. | 10 | 11 |
| Pennymac Loan Services LLC | 10 | 14 |
| Movement Mortgage, LLC | 8 | 18 |
| New American Funding, LLC. | 7 | 16 |
| CMG Mortgage Inc | 7 | 11 |
| Fairway Independent Mort Corp | 7 | 9 |
| Triad Financial Services, Inc. | 6 | 14 |
| Guaranteed Rate, Inc. | 6 | 11 |
| Zions Bancorporation, N.A. | 6 | 9 |
| Primelending | 5 | 6 |
| Westmark Credit Union | 5 | 7 |
| Nationstar Mortgage | 5 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 837 | 18.2% of 671 decided |
| 2 or more minority races | under 10 | |
| Joint | 28 | no rate: base under 50 |
| Race Not Available | 177 | 28.6% of 140 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 72 | 32.1% of 56 decided |
| Not Hispanic or Latino | 785 | 18.3% of 634 decided |
| Joint | 37 | no rate: base under 50 |
| Ethnicity Not Available | 161 | 27.4% of 124 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 303 | 23.6% of 233 decided |
| Female | 149 | 24.2% of 124 decided |
| Joint | 504 | 15.5% of 419 decided |
| Sex Not Available | 99 | 33.3% of 72 decided |
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. 414 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