Figure Lending in Idaho vs the state
27.8%Denial rate+13.38 pts vs state
29.2%Decision denial rate+11.72 pts vs state
47.3%Origination rate-15.71 pts vs state
8.70%Median rate+2.07 pts vs state
2.35Rate spread (pts)+2.20 pts vs state
$103kMedian applicant income
255Loans originated
150Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 338 | 148 | 29.6% | 10.88% | #54 |
| 2024 | 542 | 235 | 30.4% | 10.70% | #36 |
| 2025 | 539 | 255 | 27.8% | 8.70% | #41 |
What Figure Lending lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 145 | 75 | 34 | 23.4% |
| Canyon County | 99 | 50 | 26 | 26.3% |
| Kootenai County | 63 | 25 | 19 | 30.2% |
| Bonneville County | 43 | 20 | 15 | 34.9% |
| Twin Falls County | 22 | 13 | 6 | 27.3% |
| Bannock County | 18 | 11 | 2 | 11.1% |
| Bonner County | 16 | 5 | 8 | 50.0% |
| Nez Perce County | 10 | 6 | 1 | 10.0% |
| Bingham County | 10 | 3 | 2 | 20.0% |
| Valley County | 10 | 3 | 4 | 40.0% |
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: 539 applications in 2025, of which 255 were originated and 150 denied.
27.8% of all applications, or 29.2% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Figure Lending originated in Idaho in 2025 was 8.70%, against a statewide median of 6.63%.
About this data. Figures are Figure Lending'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