2025 activity year · Official source proof
Idaho mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated62.7% · 56,607
Approved, not accepted5.0% · 4,520
Denied14.4% · 12,983
Withdrawn14.0% · 12,610
File closed for incompleteness3.4% · 3,100
Preapproval denied0.1% · 88
Preapproval approved, not accepted0.4% · 337
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
45%Home purchase
- Home purchase44.6%
- Home improvement12.9%
- Other purpose9.3%
- Not applicable0.0%
- Refinancing13.2%
- Cash-out refinancing19.9%
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
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Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.