Credit Human Federal Credit Union in Idaho vs the state
53.9%Denial rate+39.46 pts vs state
54.8%Decision denial rate+37.24 pts vs state
18.0%Origination rate-45.05 pts vs state
8.50%Median rate+1.88 pts vs state
2.44Rate spread (pts)+2.29 pts vs state
$66kMedian applicant income
23Loans originated
69Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 19 | 67.3% | 7.80% | #83 |
| 2024 | 148 | 37 | 54.1% | 8.80% | #88 |
| 2025 | 128 | 23 | 53.9% | 8.50% | #109 |
What Credit Human Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 36 | 3 | 19 | 52.8% |
| Kootenai County | 25 | 9 | 8 | 32.0% |
| Canyon County | 15 | 4 | 10 | 66.7% |
| Jerome County | 7 | 1 | 5 | 71.4% |
| Bonner County | 7 | 3 | 3 | 42.9% |
| Benewah County | 3 | 1 | 1 | 33.3% |
| Bannock County | 3 | 0 | 2 | 66.7% |
| Elmore County | 3 | 0 | 1 | 33.3% |
| Bingham County | 3 | 0 | 2 | 66.7% |
| Gooding County | 2 | 0 | 2 | 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: 128 applications in 2025, of which 23 were originated and 69 denied.
53.9% of all applications, or 54.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Credit Human Federal Credit Union originated in Idaho in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Credit Human Federal Credit Union'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