Commerce Home Mortgage in Idaho vs the state
14.4%Denial rate-0.05 pts vs state
22.0%Decision denial rate+4.43 pts vs state
50.4%Origination rate-12.62 pts vs state
7.50%Median rate+0.88 pts vs state
0.88Rate spread (pts)+0.73 pts vs state
$163kMedian applicant income
63Loans originated
18Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 58 | 7.0% | 7.00% | #97 |
| 2024 | 74 | 42 | 9.5% | 7.63% | #126 |
| 2025 | 125 | 63 | 14.4% | 7.50% | #112 |
What Commerce Home Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 39 | 21 | 4 | 10.3% |
| Canyon County | 22 | 12 | 0 | 0.0% |
| Kootenai County | 15 | 9 | 4 | 26.7% |
| Teton County | 14 | 6 | 6 | 42.9% |
| Bonner County | 6 | 2 | 1 | 16.7% |
| Blaine County | 4 | 2 | 0 | 0.0% |
| Boise County | 4 | 3 | 0 | 0.0% |
| Shoshone County | 3 | 1 | 1 | 33.3% |
| Valley County | 3 | 3 | 0 | 0.0% |
| Twin Falls County | 3 | 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: 125 applications in 2025, of which 63 were originated and 18 denied.
14.4% of all applications, or 22.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Commerce Home Mortgage originated in Idaho in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home 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