American Pacific Mortgage in Idaho vs the state
4.4%Denial rate-10.03 pts vs state
5.4%Decision denial rate-12.14 pts vs state
77.8%Origination rate+14.75 pts vs state
6.50%Median rate-0.13 pts vs state
0.33Rate spread (pts)+0.18 pts vs state
$102kMedian applicant income
703Loans originated
40Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 981 | 772 | 4.1% | 6.75% | #15 |
| 2024 | 808 | 626 | 4.3% | 6.63% | #20 |
| 2025 | 904 | 703 | 4.4% | 6.50% | #20 |
What American Pacific Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 264 | 201 | 7 | 2.7% |
| Canyon County | 187 | 155 | 6 | 3.2% |
| Bannock County | 84 | 68 | 7 | 8.3% |
| Elmore County | 54 | 42 | 4 | 7.4% |
| Kootenai County | 52 | 39 | 5 | 9.6% |
| Bonneville County | 37 | 28 | 1 | 2.7% |
| Bingham County | 29 | 21 | 1 | 3.4% |
| Nez Perce County | 26 | 23 | 0 | 0.0% |
| Payette County | 20 | 15 | 2 | 10.0% |
| Bonner County | 18 | 12 | 3 | 16.7% |
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: 904 applications in 2025, of which 703 were originated and 40 denied.
4.4% of all applications, or 5.4% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans American Pacific Mortgage originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Pacific Mortgage'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