First Colony Mortgage in Idaho vs the state
1.5%Denial rate-12.91 pts vs state
1.8%Decision denial rate-15.71 pts vs state
80.1%Origination rate+17.10 pts vs state
6.25%Median rate-0.38 pts vs state
0.19Rate spread (pts)+0.04 pts vs state
$100kMedian applicant income
415Loans originated
8Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 496 | 404 | 1.4% | 6.63% | #33 |
| 2024 | 583 | 433 | 4.1% | 6.63% | #30 |
| 2025 | 518 | 415 | 1.5% | 6.25% | #45 |
What First Colony Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bannock County | 165 | 137 | 1 | 0.6% |
| Ada County | 68 | 59 | 0 | 0.0% |
| Bonneville County | 60 | 49 | 0 | 0.0% |
| Payette County | 53 | 43 | 0 | 0.0% |
| Canyon County | 41 | 29 | 2 | 4.9% |
| Bingham County | 25 | 21 | 0 | 0.0% |
| Washington County | 18 | 16 | 0 | 0.0% |
| Jefferson County | 15 | 12 | 2 | 13.3% |
| Power County | 8 | 4 | 0 | 0.0% |
| Minidoka County | 7 | 4 | 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: 518 applications in 2025, of which 415 were originated and 8 denied.
1.5% of all applications, or 1.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans First Colony Mortgage originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Colony 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