Discover Bank in Idaho vs the state
57.4%Denial rate+42.98 pts vs state
81.7%Decision denial rate+64.19 pts vs state
12.9%Origination rate-50.16 pts vs state
8.80%Median rate+2.18 pts vs state
2.24Rate spread (pts)+2.09 pts vs state
$108kMedian applicant income
45Loans originated
201Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,148 | 223 | 45.3% | 8.99% | #13 |
| 2024 | 1,188 | 227 | 50.2% | 8.80% | #11 |
| 2025 | 350 | 45 | 57.4% | 8.80% | #63 |
What Discover Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 111 | 15 | 60 | 54.1% |
| Kootenai County | 47 | 6 | 25 | 53.2% |
| Canyon County | 42 | 5 | 21 | 50.0% |
| Bonneville County | 25 | 5 | 16 | 64.0% |
| Twin Falls County | 16 | 2 | 13 | 81.3% |
| Bannock County | 13 | 1 | 7 | 53.8% |
| Bonner County | 13 | 0 | 8 | 61.5% |
| Payette County | 10 | 1 | 5 | 50.0% |
| Bingham County | 9 | 1 | 6 | 66.7% |
| Blaine County | 7 | 2 | 4 | 57.1% |
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: 350 applications in 2025, of which 45 were originated and 201 denied.
57.4% of all applications, or 81.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Discover Bank originated in Idaho in 2025 was 8.80%, against a statewide median of 6.63%.
About this data. Figures are Discover Bank'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