Freedom Mortgage in Idaho vs the state
8.0%Denial rate-6.48 pts vs state
13.1%Decision denial rate-4.40 pts vs state
44.7%Origination rate-18.30 pts vs state
6.06%Median rate-0.56 pts vs state
0.01Rate spread (pts)-0.15 pts vs state
$94kMedian applicant income
432Loans originated
77Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 247 | 101 | 15.0% | 6.75% | #67 |
| 2024 | 608 | 287 | 8.9% | 6.25% | #27 |
| 2025 | 966 | 432 | 8.0% | 6.06% | #18 |
What Freedom Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 203 | 98 | 6 | 3.0% |
| Canyon County | 133 | 65 | 9 | 6.8% |
| Kootenai County | 99 | 37 | 8 | 8.1% |
| Bonneville County | 83 | 36 | 8 | 9.6% |
| Twin Falls County | 63 | 26 | 4 | 6.3% |
| Elmore County | 49 | 29 | 3 | 6.1% |
| Bannock County | 37 | 21 | 3 | 8.1% |
| Bonner County | 32 | 13 | 3 | 9.4% |
| Nez Perce County | 32 | 15 | 3 | 9.4% |
| Bingham County | 26 | 10 | 7 | 26.9% |
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: 966 applications in 2025, of which 432 were originated and 77 denied.
8.0% of all applications, or 13.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Freedom Mortgage originated in Idaho in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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