BayCoast Bank in Idaho vs the state
14.3%Denial rate-0.16 pts vs state
20.0%Decision denial rate+2.48 pts vs state
57.1%Origination rate-5.88 pts vs state
8.63%Median rate+2.00 pts vs state
2.32Rate spread (pts)+2.17 pts vs state
$47kMedian applicant income
4Loans originated
1Denied
What BayCoast Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most BayCoast Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 4 | 2 | 1 | 25.0% |
| Canyon County | 1 | 1 | 0 | 0.0% |
| Kootenai County | 1 | 1 | 0 | 0.0% |
| Bannock County | 1 | 0 | 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: 7 applications in 2025, of which 4 were originated and 1 denied.
14.3% of all applications, or 20.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans BayCoast Bank originated in Idaho in 2025 was 8.63%, against a statewide median of 6.63%.
About this data. Figures are BayCoast 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