Churchill Mortgage in Idaho vs the state
4.6%Denial rate-9.85 pts vs state
5.5%Decision denial rate-12.01 pts vs state
71.8%Origination rate+8.76 pts vs state
6.63%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.22 pts vs state
$100kMedian applicant income
234Loans originated
15Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 169 | 5.9% | 6.75% | #65 |
| 2024 | 312 | 208 | 4.5% | 6.69% | #61 |
| 2025 | 326 | 234 | 4.6% | 6.63% | #70 |
What Churchill Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 102 | 79 | 6 | 5.9% |
| Canyon County | 101 | 72 | 5 | 5.0% |
| Payette County | 15 | 12 | 1 | 6.7% |
| Valley County | 11 | 8 | 1 | 9.1% |
| Madison County | 11 | 8 | 0 | 0.0% |
| Kootenai County | 10 | 6 | 2 | 20.0% |
| Bonneville County | 8 | 5 | 0 | 0.0% |
| Jefferson County | 8 | 3 | 0 | 0.0% |
| Fremont County | 6 | 5 | 0 | 0.0% |
| Benewah County | 5 | 2 | 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: 326 applications in 2025, of which 234 were originated and 15 denied.
4.6% of all applications, or 5.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Churchill Mortgage originated in Idaho in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Churchill 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