BMO Bank in Idaho vs the state
36.9%Denial rate+22.45 pts vs state
47.0%Decision denial rate+29.45 pts vs state
40.5%Origination rate-22.54 pts vs state
8.13%Median rate+1.51 pts vs state
0.82Rate spread (pts)+0.67 pts vs state
$130kMedian applicant income
34Loans originated
31Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 93 | 38.5% | 7.77% | #77 |
| 2024 | 147 | 70 | 31.3% | 8.80% | #90 |
| 2025 | 84 | 34 | 36.9% | 8.13% | #126 |
What BMO Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 31 | 11 | 15 | 48.4% |
| Canyon County | 20 | 11 | 2 | 10.0% |
| Teton County | 6 | 2 | 3 | 50.0% |
| Blaine County | 6 | 3 | 2 | 33.3% |
| Bonner County | 4 | 2 | 0 | 0.0% |
| Twin Falls County | 3 | 1 | 2 | 66.7% |
| Bonneville County | 2 | 1 | 1 | 50.0% |
| Kootenai County | 2 | 1 | 1 | 50.0% |
| Payette County | 2 | 0 | 2 | 100.0% |
| Custer County | 1 | 1 | 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: 84 applications in 2025, of which 34 were originated and 31 denied.
36.9% of all applications, or 47.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans BMO Bank originated in Idaho in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are BMO 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