Finance Atlas

Banking & Mortgage-Lending Access in Idaho

64 FDIC-insured institutions (10 currently active) are recorded in Idaho in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 20.7% in Idaho.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

64
FDIC institutions (total)
10
Currently active
20.7%
Overall denial rate (HMDA 2024)
47,835
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Idaho?

FDIC BankFind records 64 FDIC-insured institutions (all historical) in Idaho, of which 10 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 64
Currently active 10

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Idaho?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Idaho:

Charter class Description Count
NM State non-member bank (Fed non-member) 39
N National bank (OCC-chartered) 9
SL Savings institution (state-chartered S&L) 7
SM State member bank (Fed member) 6
SB Savings bank (state-chartered) 3

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Idaho? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 20.7% in Idaho. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 20.7%
White applicants 19.9%
Black applicants 19.2%
Black/White denial rate ratio 0.97x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=ID

Mortgage origination volume in Idaho (2024)

HMDA 2024 data record 47,835 originated mortgage loans in Idaho , totaling $15.0B , with an average loan size of $313,212.

Metric Value
Originated loans (2024) 47,835
Total origination volume $15.0B
Average loan size $313,212

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=ID

Data exported June 20, 2026 · content hash 5cf01552b10b1799 · machine-readable brief: /finance/states/id/context.md

Where to act