Gateway First Bank in Idaho vs the state
5.1%Denial rate-9.32 pts vs state
7.8%Decision denial rate-9.68 pts vs state
60.3%Origination rate-2.76 pts vs state
6.38%Median rate-0.25 pts vs state
0.19Rate spread (pts)+0.04 pts vs state
$94kMedian applicant income
47Loans originated
4Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 115 | 7.5% | 6.88% | #80 |
| 2024 | 64 | 45 | 6.3% | 6.63% | #130 |
| 2025 | 78 | 47 | 5.1% | 6.38% | #130 |
What Gateway First Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bonneville County | 48 | 28 | 4 | 8.3% |
| Bingham County | 12 | 8 | 0 | 0.0% |
| Jefferson County | 6 | 4 | 0 | 0.0% |
| Twin Falls County | 2 | 0 | 0 | 0.0% |
| Teton County | 2 | 2 | 0 | 0.0% |
| Ada County | 1 | 0 | 0 | 0.0% |
| Latah County | 1 | 1 | 0 | 0.0% |
| Power County | 1 | 0 | 0 | 0.0% |
| Fremont County | 1 | 1 | 0 | 0.0% |
| Bannock 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: 78 applications in 2025, of which 47 were originated and 4 denied.
5.1% of all applications, or 7.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Gateway First Bank originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Gateway First 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