American Heritage Lending in Idaho vs the state
25.0%Denial rate+10.55 pts vs state
35.3%Decision denial rate+17.77 pts vs state
33.3%Origination rate-29.69 pts vs state
7.19%Median rate+0.56 pts vs state
1.58Rate spread (pts)+1.43 pts vs state
$190kMedian applicant income
8Loans originated
6Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 0.0% | 9.56% | #262 |
| 2024 | 33 | 20 | 3.0% | 6.87% | #179 |
| 2025 | 24 | 8 | 25.0% | 7.19% | #212 |
What American Heritage Lending lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 6 | 1 | 2 | 33.3% |
| Ada County | 4 | 2 | 0 | 0.0% |
| Canyon County | 3 | 3 | 0 | 0.0% |
| Bonner County | 2 | 0 | 1 | 50.0% |
| Twin Falls County | 2 | 0 | 1 | 50.0% |
| Minidoka County | 1 | 0 | 0 | 0.0% |
| Elmore County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Latah County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 0 | 1 | 100.0% |
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: 24 applications in 2025, of which 8 were originated and 6 denied.
25.0% of all applications, or 35.3% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans American Heritage Lending originated in Idaho in 2025 was 7.19%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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