Applications / Mortgage Analytics / Lenders / Idaho / Idaho First Bank
McCall, ID · State non-member bank · FDIC · $1.5 billion assets · 14 loans in 2025
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14
loans originated, 2025
29
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Idaho First Bank, a state-chartered bank in McCall, Idaho, made 14 home loans in 2025, against 215 in 2018, and the loans it still makes are large.
Its loans fell by 52% in 2025, from 29 to 14. Similar lenders (state non-member banks making between half and twice as many loans) fell 21%, and the whole market rose 10%. The slide began earlier: the bank made 206 loans in 2021, 73 in 2022 and 29 in each of the next two years. The figures do not say why. It filed no report for 2020, which is a gap in the record, not a year without loans.
Its typical loan was $535,000, against $185,000 at similar lenders, larger than at about nine in ten of them. Fourteen loans are too few to read much into, but the pattern is not new: its typical loan in 2024 was $765,000.
The bank is a minor name wherever it lends. In Boise City, Idaho, it ranks 244 of 409 lenders, and its share fell 0.2 points as its lending shrank; Idaho Central Credit Union leads there and in non-metro Idaho. It ranks 248 of 566 in Portland-Vancouver-Hillsboro. In 2025 it made its first loans in Lewiston, ID-WA.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Idaho First Bank took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.4% · Refinance 21.4% · Home improvement 7.1%
Conventional 100.0% · of 14 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Idaho | 10 | 71.4% |
| Oregon | 3 | 21.4% |
| Montana | 1 | 7.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boise City | 4 |
| Bend | 1 |
| Lewiston | 1 |
| Portland-Vancouver-Hillsboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SQ82MLLWN3PD61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3384952 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358095 | 2015–2017 |
Established 3 October 2005. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Idaho First Bank's data.
Idaho First Bank's data
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Idaho First Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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