Mortgage lending in Jefferson County, Idaho
Lenders in Jefferson County, Idaho reported 1,644 mortgage applications for 2025, according to the CFPB.
1,644 mortgage applications and 997 loans originated in 2025; the denial rate was 18.9% of 1,341 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Idaho Falls, ID HUD Metro FMR Area.
- 1,644
- Applications
- 997
- Loans originated
- 18.9%
- Denial rate
- 253 denied of 1,341 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,644 | 997 |
| 2024 | 1,287 | 769 |
| 2023 | 1,131 | 697 |
| 2022 | 1,780 | 1,144 |
| 2021 | 2,880 | 2,004 |
| 2020 | 2,779 | 1,951 |
| 2019 | 1,839 | 1,224 |
| 2018 | 1,368 | 899 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Idaho Central Credit Union | 178 | 291 |
| Rocket Mortgage | 84 | 106 |
| Beehive Federal Credit Union | 70 | 115 |
| United Wholesale Mortgage | 54 | 71 |
| Eagle Bank and Trust Company | 51 | 56 |
| Westmark Credit Union | 50 | 78 |
| Canopy Mortgage, LLC | 50 | 65 |
| Mountain America Federal Credit Union | 32 | 77 |
| Synergy One Lending, Inc. | 26 | 41 |
| Highlands Residential Mortgage, Ltd. | 24 | 26 |
| The Bank of Commerce | 16 | 21 |
| Premier Mortgage Resources, LLC | 15 | 28 |
| Frontier Credit Union | 15 | 20 |
| Belem Servicing, LLC dba Patriot Home Mortgage | 14 | 15 |
| Summit Funding.inc | 13 | 21 |
| Pennymac Loan Services LLC | 13 | 31 |
| First Colony Mortgage Corporat | 12 | 15 |
| D. L. Evans Bank | 11 | 18 |
| Goldenwest Federal Credit Union | 11 | 16 |
| Glacier Bank | 11 | 17 |
| Nationstar Mortgage | 11 | 19 |
| Zions Bancorporation, N.A. | 11 | 25 |
| America First Federal Credit Union | 10 | 14 |
| Freedom Mortgage Corporation | 10 | 20 |
| Kind Lending, LLC | 10 | 20 |
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 | |
| White | 1,393 | 18.1% of 1,152 decided |
| 2 or more minority races | under 10 | |
| Joint | 36 | no rate: base under 50 |
| Race Not Available | 201 | 24.5% of 147 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 78 | 23.8% of 63 decided |
| Not Hispanic or Latino | 1,319 | 18.0% of 1,096 decided |
| Joint | 37 | no rate: base under 50 |
| Ethnicity Not Available | 210 | 23.5% of 153 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 451 | 26.1% of 364 decided |
| Female | 189 | 23.3% of 150 decided |
| Joint | 874 | 12.9% of 736 decided |
| Sex Not Available | 130 | 30.8% of 91 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. 475 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