Finance of America Reverse in Idaho vs the state
9.8%Denial rate-4.65 pts vs state
11.2%Decision denial rate-6.33 pts vs state
77.8%Origination rate+14.76 pts vs state
6.50%Median rate-0.13 pts vs state
—Rate spread (pts)
$29kMedian applicant income
119Loans originated
15Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 147 | 116 | 6.8% | 7.69% | #85 |
| 2024 | 106 | 87 | 6.6% | 7.15% | #110 |
| 2025 | 153 | 119 | 9.8% | 6.50% | #99 |
What Finance of America Reverse lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 33 | 26 | 3 | 9.1% |
| Canyon County | 24 | 21 | 0 | 0.0% |
| Kootenai County | 19 | 15 | 3 | 15.8% |
| Twin Falls County | 12 | 11 | 0 | 0.0% |
| Bonner County | 10 | 8 | 0 | 0.0% |
| Elmore County | 6 | 2 | 3 | 50.0% |
| Bannock County | 6 | 6 | 0 | 0.0% |
| Payette County | 6 | 5 | 1 | 16.7% |
| Blaine County | 5 | 4 | 0 | 0.0% |
| Bonneville County | 5 | 5 | 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: 153 applications in 2025, of which 119 were originated and 15 denied.
9.8% of all applications, or 11.2% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Finance of America Reverse originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Finance of America Reverse'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