Mortgage Refinancing in Idaho
Real refinance data for Idaho from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
2,858
2023 HMDA data
Avg Loan Amount
$422,183
National: $410,429
Denial Rate
24.85%
▲ Below national avg
Median Home Value
$376,000
U.S. Census Bureau
Source: HMDA 2023 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Idaho
Originations by Year
Refinance originations in Idaho by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Idaho
Source: FHFA House Price Index
Top Lenders in Idaho
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | Idaho Central | 19,140 | - |
| 2 | Idaho Central Credit Union | 12,174 | - |
| 3 | U.s. Bank National Association | 4,000 | - |
| 4 | Rocket Mortgage LLC | 3,946 | - |
| 5 | Mountain America | 3,370 | - |
| 6 | United Wholesale Mortgage LLC | 2,752 | - |
| 7 | United Shore Financial Services LLC | 2,584 | - |
| 8 | Fairway Independent Mortgage Corporation | 2,554 | - |
| 9 | Rocket Mortgage LLC | 2,539 | - |
| 10 | U.s. Bank National Association | 2,444 | - |
Ranked by total HMDA filings in the state (2023). Source: HMDA via CFPB.
Compare all lenders →How Idaho Compares
| Metric | Idaho | National Avg |
|---|---|---|
| Refinance Originations | 2,858 | 435,709 |
| Avg Loan Amount | $422,183 | $410,429 |
| Denial Rate | 24.85% | 27.87% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2023, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.38%
▲ 6.22% prev
15-Year Fixed
5.75%
▲ 5.54% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Idaho in 2023?
In 2023, there were 2,858 refinance originations in Idaho, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Idaho?
The average refinance loan amount in Idaho was $422,183 in 2023. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Idaho?
The refinance denial rate in Idaho was 24.85% in 2023. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Idaho?
The most active lenders in Idaho by HMDA filing volume include Idaho Central, Idaho Central Credit Union, U.s. Bank National Association. See the full list above for details.
Is it a good time to refinance in Idaho?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Idaho, including tips, regulations, and state programs.
Read the Idaho Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.