American Financial Network in Idaho vs the state
9.3%Denial rate-5.19 pts vs state
16.7%Decision denial rate-0.85 pts vs state
46.3%Origination rate-16.72 pts vs state
6.25%Median rate-0.38 pts vs state
-0.17Rate spread (pts)-0.32 pts vs state
$96kMedian applicant income
25Loans originated
5Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 25 | 6.9% | 6.63% | #136 |
| 2024 | 38 | 21 | 7.9% | 6.88% | #164 |
| 2025 | 54 | 25 | 9.3% | 6.25% | #160 |
What American Financial Network lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 10 | 6 | 0 | 0.0% |
| Ada County | 9 | 4 | 1 | 11.1% |
| Franklin County | 8 | 6 | 0 | 0.0% |
| Canyon County | 8 | 4 | 0 | 0.0% |
| Shoshone County | 3 | 1 | 1 | 33.3% |
| Bonner County | 2 | 0 | 2 | 100.0% |
| Elmore County | 2 | 1 | 0 | 0.0% |
| Bonneville County | 2 | 1 | 0 | 0.0% |
| Oneida County | 2 | 1 | 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: 54 applications in 2025, of which 25 were originated and 5 denied.
9.3% of all applications, or 16.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans American Financial Network originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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