First Technology Federal Credit Union in Idaho vs the state
10.2%Denial rate-4.21 pts vs state
11.5%Decision denial rate-6.02 pts vs state
72.4%Origination rate+9.42 pts vs state
7.31%Median rate+0.69 pts vs state
0.39Rate spread (pts)+0.23 pts vs state
$132kMedian applicant income
92Loans originated
13Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 70 | 6.9% | 7.63% | #103 |
| 2024 | 136 | 93 | 13.2% | 8.38% | #95 |
| 2025 | 127 | 92 | 10.2% | 7.31% | #110 |
What First Technology Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most First Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 94 | 71 | 9 | 9.6% |
| Canyon County | 13 | 10 | 0 | 0.0% |
| Bonneville County | 4 | 2 | 1 | 25.0% |
| Kootenai County | 4 | 1 | 2 | 50.0% |
| Twin Falls County | 2 | 1 | 0 | 0.0% |
| Bannock County | 2 | 1 | 0 | 0.0% |
| Valley County | 1 | 1 | 0 | 0.0% |
| Gem County | 1 | 1 | 0 | 0.0% |
| Bonner County | 1 | 1 | 0 | 0.0% |
| Payette County | 1 | 0 | 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: 127 applications in 2025, of which 92 were originated and 13 denied.
10.2% of all applications, or 11.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans First Technology Federal Credit Union originated in Idaho in 2025 was 7.31%, against a statewide median of 6.63%.
About this data. Figures are First Technology Federal Credit Union'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