Advantage Plus in Idaho vs the state
15.7%Denial rate+1.26 pts vs state
17.3%Decision denial rate-0.20 pts vs state
57.9%Origination rate-5.16 pts vs state
6.50%Median rate-0.13 pts vs state
0.30Rate spread (pts)+0.14 pts vs state
$93kMedian applicant income
81Loans originated
22Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 79 | 9.6% | 6.63% | #96 |
| 2024 | 110 | 84 | 8.2% | 6.69% | #106 |
| 2025 | 140 | 81 | 15.7% | 6.50% | #102 |
What Advantage Plus lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Advantage Plus applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bannock County | 38 | 31 | 2 | 5.3% |
| Caribou County | 33 | 21 | 4 | 12.1% |
| Bear Lake County | 24 | 11 | 6 | 25.0% |
| Power County | 14 | 5 | 5 | 35.7% |
| Franklin County | 13 | 3 | 4 | 30.8% |
| Bingham County | 6 | 4 | 1 | 16.7% |
| Bonneville County | 3 | 2 | 0 | 0.0% |
| Fremont County | 3 | 3 | 0 | 0.0% |
| Oneida County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
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: 140 applications in 2025, of which 81 were originated and 22 denied.
15.7% of all applications, or 17.3% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Advantage Plus originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Advantage Plus'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