21st Mortgage in Idaho vs the state
52.9%Denial rate+38.47 pts vs state
77.2%Decision denial rate+59.68 pts vs state
15.3%Origination rate-47.77 pts vs state
10.68%Median rate+4.06 pts vs state
5.28Rate spread (pts)+5.13 pts vs state
$59kMedian applicant income
81Loans originated
281Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 443 | 59 | 52.8% | 9.60% | #41 |
| 2024 | 450 | 61 | 51.3% | 10.14% | #40 |
| 2025 | 531 | 81 | 52.9% | 10.68% | #42 |
What 21st Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bannock County | 86 | 20 | 48 | 55.8% |
| Ada County | 81 | 8 | 40 | 49.4% |
| Canyon County | 60 | 7 | 35 | 58.3% |
| Bonneville County | 49 | 0 | 36 | 73.5% |
| Kootenai County | 44 | 5 | 25 | 56.8% |
| Elmore County | 28 | 8 | 14 | 50.0% |
| Bingham County | 21 | 3 | 10 | 47.6% |
| Bonner County | 17 | 5 | 6 | 35.3% |
| Twin Falls County | 15 | 1 | 8 | 53.3% |
| Gem County | 14 | 1 | 5 | 35.7% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 531 applications in 2025, of which 81 were originated and 281 denied.
52.9% of all applications, or 77.2% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans 21st Mortgage originated in Idaho in 2025 was 10.68%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology