Banner Bank in Idaho vs the state
25.9%Denial rate+11.43 pts vs state
30.1%Decision denial rate+12.58 pts vs state
59.2%Origination rate-3.81 pts vs state
6.74%Median rate+0.12 pts vs state
0.05Rate spread (pts)-0.10 pts vs state
$114kMedian applicant income
135Loans originated
59Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 263 | 152 | 27.0% | 7.49% | #63 |
| 2024 | 198 | 109 | 26.8% | 7.99% | #79 |
| 2025 | 228 | 135 | 25.9% | 6.74% | #79 |
What Banner Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Banner Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 48 | 29 | 13 | 27.1% |
| Ada County | 47 | 27 | 12 | 25.5% |
| Canyon County | 24 | 17 | 5 | 20.8% |
| Latah County | 19 | 13 | 1 | 5.3% |
| Nez Perce County | 17 | 10 | 6 | 35.3% |
| Benewah County | 15 | 10 | 2 | 13.3% |
| Bonner County | 14 | 5 | 8 | 57.1% |
| Clearwater County | 12 | 5 | 4 | 33.3% |
| Twin Falls County | 10 | 7 | 3 | 30.0% |
| Valley County | 7 | 3 | 3 | 42.9% |
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: 228 applications in 2025, of which 135 were originated and 59 denied.
25.9% of all applications, or 30.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Banner Bank originated in Idaho in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are Banner Bank'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