Click n' Close in Idaho vs the state
6.6%Denial rate-7.89 pts vs state
9.5%Decision denial rate-8.00 pts vs state
60.7%Origination rate-2.36 pts vs state
6.63%Median rate0.00 pts vs state
3.64Rate spread (pts)+3.49 pts vs state
$85kMedian applicant income
37Loans originated
4Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 18 | 0.0% | 7.06% | #191 |
| 2024 | 35 | 15 | 8.6% | 6.75% | #170 |
| 2025 | 61 | 37 | 6.6% | 6.63% | #151 |
What Click n' Close lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 25 | 16 | 2 | 8.0% |
| Ada County | 6 | 5 | 0 | 0.0% |
| Canyon County | 6 | 5 | 0 | 0.0% |
| Bannock County | 6 | 3 | 0 | 0.0% |
| Cassia County | 2 | 0 | 0 | 0.0% |
| Shoshone County | 2 | 0 | 2 | 100.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Bonneville County | 2 | 2 | 0 | 0.0% |
| Adams County | 2 | 2 | 0 | 0.0% |
| Madison 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: 61 applications in 2025, of which 37 were originated and 4 denied.
6.6% of all applications, or 9.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Click n' Close originated in Idaho in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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