Champions Funding in Idaho vs the state
21.5%Denial rate+7.09 pts vs state
25.0%Decision denial rate+7.48 pts vs state
63.1%Origination rate+0.06 pts vs state
8.13%Median rate+1.50 pts vs state
2.34Rate spread (pts)+2.19 pts vs state
$244kMedian applicant income
41Loans originated
14Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 31 | 24 | 12.9% | 8.69% | #184 |
| 2025 | 65 | 41 | 21.5% | 8.13% | #146 |
What Champions Funding lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 22 | 16 | 4 | 18.2% |
| Kootenai County | 12 | 5 | 3 | 25.0% |
| Canyon County | 7 | 6 | 1 | 14.3% |
| Bonner County | 6 | 4 | 1 | 16.7% |
| Bonneville County | 4 | 1 | 1 | 25.0% |
| Twin Falls County | 3 | 2 | 0 | 0.0% |
| Gem County | 2 | 2 | 0 | 0.0% |
| Bannock County | 2 | 2 | 0 | 0.0% |
| Cassia County | 2 | 2 | 0 | 0.0% |
| Valley County | 1 | 0 | 1 | 100.0% |
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: 65 applications in 2025, of which 41 were originated and 14 denied.
21.5% of all applications, or 25.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Champions Funding originated in Idaho in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Champions Funding'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