Better Mortgage in Idaho vs the state
29.4%Denial rate+14.94 pts vs state
44.7%Decision denial rate+27.20 pts vs state
34.7%Origination rate-28.33 pts vs state
7.50%Median rate+0.88 pts vs state
0.56Rate spread (pts)+0.41 pts vs state
$138kMedian applicant income
85Loans originated
72Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 23 | 3.8% | 6.00% | #142 |
| 2024 | 81 | 37 | 16.1% | 6.49% | #121 |
| 2025 | 245 | 85 | 29.4% | 7.50% | #77 |
What Better Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 84 | 36 | 13 | 15.5% |
| Kootenai County | 28 | 12 | 10 | 35.7% |
| Canyon County | 27 | 9 | 9 | 33.3% |
| Bonneville County | 16 | 5 | 4 | 25.0% |
| Twin Falls County | 13 | 4 | 3 | 23.1% |
| Teton County | 10 | 3 | 4 | 40.0% |
| Shoshone County | 7 | 2 | 2 | 28.6% |
| Bonner County | 6 | 2 | 2 | 33.3% |
| Bannock County | 6 | 4 | 0 | 0.0% |
| Latah County | 5 | 1 | 3 | 60.0% |
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: 245 applications in 2025, of which 85 were originated and 72 denied.
29.4% of all applications, or 44.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Better Mortgage originated in Idaho in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Better 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