Fairway Independent Mortgage in Idaho vs the state
6.5%Denial rate-8.00 pts vs state
8.3%Decision denial rate-9.23 pts vs state
71.2%Origination rate+8.18 pts vs state
6.49%Median rate-0.13 pts vs state
0.23Rate spread (pts)+0.07 pts vs state
$106kMedian applicant income
707Loans originated
64Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,289 | 971 | 3.3% | 6.59% | #10 |
| 2024 | 851 | 615 | 5.1% | 6.75% | #17 |
| 2025 | 993 | 707 | 6.5% | 6.49% | #16 |
What Fairway Independent Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 431 | 327 | 24 | 5.6% |
| Canyon County | 176 | 124 | 12 | 6.8% |
| Bannock County | 54 | 39 | 2 | 3.7% |
| Valley County | 48 | 32 | 4 | 8.3% |
| Kootenai County | 39 | 23 | 4 | 10.3% |
| Payette County | 38 | 25 | 4 | 10.5% |
| Bonneville County | 27 | 20 | 0 | 0.0% |
| Elmore County | 25 | 18 | 3 | 12.0% |
| Bingham County | 16 | 8 | 0 | 0.0% |
| Idaho County | 14 | 9 | 3 | 21.4% |
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: 993 applications in 2025, of which 707 were originated and 64 denied.
6.5% of all applications, or 8.3% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Fairway Independent Mortgage originated in Idaho in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Fairway Independent 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