AMERICA FIRST Federal Credit Union in Idaho vs the state
21.7%Denial rate+7.28 pts vs state
23.6%Decision denial rate+6.09 pts vs state
62.8%Origination rate-0.27 pts vs state
6.99%Median rate+0.37 pts vs state
0.30Rate spread (pts)+0.15 pts vs state
$116kMedian applicant income
283Loans originated
98Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 330 | 225 | 19.7% | 7.74% | #57 |
| 2024 | 371 | 254 | 17.3% | 7.49% | #49 |
| 2025 | 451 | 283 | 21.7% | 6.99% | #53 |
What AMERICA FIRST Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most AMERICA FIRST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 97 | 63 | 21 | 21.6% |
| Franklin County | 68 | 38 | 16 | 23.5% |
| Canyon County | 59 | 36 | 16 | 27.1% |
| Bonneville County | 32 | 24 | 5 | 15.6% |
| Bear Lake County | 24 | 13 | 5 | 20.8% |
| Oneida County | 23 | 17 | 5 | 21.7% |
| Bannock County | 16 | 8 | 6 | 37.5% |
| Jefferson County | 14 | 10 | 2 | 14.3% |
| Madison County | 12 | 6 | 3 | 25.0% |
| Kootenai County | 10 | 4 | 4 | 40.0% |
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: 451 applications in 2025, of which 283 were originated and 98 denied.
21.7% of all applications, or 23.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans AMERICA FIRST Federal Credit Union originated in Idaho in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are AMERICA FIRST Federal Credit Union'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