Envoy Mortgage in Idaho vs the state
3.3%Denial rate-11.13 pts vs state
4.5%Decision denial rate-13.00 pts vs state
70.1%Origination rate+7.10 pts vs state
6.50%Median rate-0.13 pts vs state
0.33Rate spread (pts)+0.17 pts vs state
$113kMedian applicant income
169Loans originated
8Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 27 | 2.9% | 7.13% | #167 |
| 2024 | 123 | 82 | 6.5% | 6.63% | #100 |
| 2025 | 241 | 169 | 3.3% | 6.50% | #78 |
What Envoy Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 72 | 50 | 1 | 1.4% |
| Bonneville County | 52 | 33 | 2 | 3.8% |
| Canyon County | 39 | 33 | 2 | 5.1% |
| Bannock County | 15 | 9 | 1 | 6.7% |
| Kootenai County | 14 | 12 | 0 | 0.0% |
| Jefferson County | 13 | 9 | 0 | 0.0% |
| Bingham County | 12 | 8 | 2 | 16.7% |
| Madison County | 9 | 6 | 0 | 0.0% |
| Fremont County | 4 | 4 | 0 | 0.0% |
| Power County | 3 | 2 | 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: 241 applications in 2025, of which 169 were originated and 8 denied.
3.3% of all applications, or 4.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Envoy Mortgage originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Envoy 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