American Financing in Idaho vs the state
45.7%Denial rate+31.25 pts vs state
55.7%Decision denial rate+38.13 pts vs state
25.8%Origination rate-37.19 pts vs state
6.38%Median rate-0.25 pts vs state
0.26Rate spread (pts)+0.10 pts vs state
$90kMedian applicant income
78Loans originated
138Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 154 | 37 | 29.9% | 6.25% | #84 |
| 2024 | 233 | 71 | 43.8% | 6.25% | #76 |
| 2025 | 302 | 78 | 45.7% | 6.38% | #74 |
What American Financing lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 49 | 12 | 19 | 38.8% |
| Canyon County | 41 | 10 | 22 | 53.7% |
| Kootenai County | 30 | 10 | 11 | 36.7% |
| Bonneville County | 27 | 7 | 12 | 44.4% |
| Bingham County | 19 | 8 | 9 | 47.4% |
| Twin Falls County | 14 | 3 | 8 | 57.1% |
| Bonner County | 14 | 3 | 8 | 57.1% |
| Latah County | 9 | 2 | 3 | 33.3% |
| Nez Perce County | 8 | 3 | 2 | 25.0% |
| Jefferson County | 8 | 1 | 4 | 50.0% |
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: 302 applications in 2025, of which 78 were originated and 138 denied.
45.7% of all applications, or 55.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans American Financing originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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