Everett Financial in Idaho vs the state
5.2%Denial rate-9.26 pts vs state
7.8%Decision denial rate-9.68 pts vs state
61.0%Origination rate-1.98 pts vs state
6.50%Median rate-0.13 pts vs state
0.33Rate spread (pts)+0.18 pts vs state
$125kMedian applicant income
47Loans originated
4Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 31 | 8.6% | 6.88% | #99 |
| 2024 | 16 | 11 | 0.0% | 7.13% | #231 |
| 2025 | 77 | 47 | 5.2% | 6.50% | #131 |
What Everett Financial lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 31 | 20 | 1 | 3.2% |
| Canyon County | 11 | 5 | 2 | 18.2% |
| Kootenai County | 5 | 4 | 0 | 0.0% |
| Boise County | 5 | 3 | 0 | 0.0% |
| Teton County | 5 | 4 | 1 | 20.0% |
| Gem County | 4 | 3 | 0 | 0.0% |
| Jefferson County | 3 | 1 | 0 | 0.0% |
| Bonneville County | 3 | 1 | 0 | 0.0% |
| Blaine County | 2 | 1 | 0 | 0.0% |
| Bannock 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: 77 applications in 2025, of which 47 were originated and 4 denied.
5.2% of all applications, or 7.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Everett Financial originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Everett Financial'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