First Federal Bank in Idaho vs the state
3.6%Denial rate-10.88 pts vs state
5.1%Decision denial rate-12.39 pts vs state
66.1%Origination rate+3.05 pts vs state
6.25%Median rate-0.38 pts vs state
-0.30Rate spread (pts)-0.46 pts vs state
$133kMedian applicant income
37Loans originated
2Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 9 | 20.0% | 6.50% | #222 |
| 2024 | 41 | 22 | 9.8% | 6.25% | #158 |
| 2025 | 56 | 37 | 3.6% | 6.25% | #158 |
What First Federal Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 17 | 10 | 0 | 0.0% |
| Bonneville County | 17 | 14 | 0 | 0.0% |
| Canyon County | 5 | 2 | 1 | 20.0% |
| Bannock County | 3 | 1 | 1 | 33.3% |
| Fremont County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Kootenai County | 2 | 0 | 0 | 0.0% |
| Teton County | 1 | 0 | 0 | 0.0% |
| Benewah County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 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: 56 applications in 2025, of which 37 were originated and 2 denied.
3.6% of all applications, or 5.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans First Federal Bank originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Federal Bank'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