Bank of America in Idaho vs the state
29.5%Denial rate+15.04 pts vs state
39.0%Decision denial rate+21.48 pts vs state
45.2%Origination rate-17.79 pts vs state
6.06%Median rate-0.56 pts vs state
0.43Rate spread (pts)+0.28 pts vs state
$120kMedian applicant income
204Loans originated
133Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 548 | 194 | 49.3% | 6.74% | #30 |
| 2024 | 369 | 153 | 32.3% | 6.99% | #52 |
| 2025 | 451 | 204 | 29.5% | 6.06% | #52 |
What Bank of America lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 140 | 65 | 41 | 29.3% |
| Kootenai County | 114 | 58 | 27 | 23.7% |
| Canyon County | 32 | 15 | 9 | 28.1% |
| Blaine County | 29 | 15 | 10 | 34.5% |
| Bonner County | 28 | 10 | 7 | 25.0% |
| Teton County | 14 | 8 | 4 | 28.6% |
| Bonneville County | 11 | 3 | 2 | 18.2% |
| Twin Falls County | 10 | 3 | 3 | 30.0% |
| Nez Perce County | 7 | 3 | 2 | 28.6% |
| Payette County | 6 | 4 | 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: 451 applications in 2025, of which 204 were originated and 133 denied.
29.5% of all applications, or 39.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Bank of America originated in Idaho in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are Bank of America'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