Clearpath Lending in Idaho vs the state
7.1%Denial rate-7.31 pts vs state
11.1%Decision denial rate-6.41 pts vs state
57.1%Origination rate-5.88 pts vs state
5.56%Median rate-1.06 pts vs state
-0.73Rate spread (pts)-0.88 pts vs state
$79kMedian applicant income
8Loans originated
1Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 20 | 3.6% | 5.50% | #177 |
| 2024 | 25 | 18 | 8.0% | 5.63% | #203 |
| 2025 | 14 | 8 | 7.1% | 5.56% | #247 |
What Clearpath Lending lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 4 | 3 | 0 | 0.0% |
| Ada County | 3 | 2 | 1 | 33.3% |
| Bonneville County | 3 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Nez Perce County | 1 | 1 | 0 | 0.0% |
| Latah 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: 14 applications in 2025, of which 8 were originated and 1 denied.
7.1% of all applications, or 11.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Clearpath Lending originated in Idaho in 2025 was 5.56%, against a statewide median of 6.63%.
About this data. Figures are Clearpath Lending'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