Georgia'S Own in Idaho vs the state
14.0%Denial rate-0.41 pts vs state
15.4%Decision denial rate-2.14 pts vs state
77.2%Origination rate+14.17 pts vs state
8.25%Median rate+1.63 pts vs state
0.97Rate spread (pts)+0.82 pts vs state
$158kMedian applicant income
44Loans originated
8Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 11 | 35.0% | 9.24% | #200 |
| 2024 | 87 | 61 | 20.7% | 9.75% | #116 |
| 2025 | 57 | 44 | 14.0% | 8.25% | #156 |
What Georgia'S Own lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 20 | 17 | 2 | 10.0% |
| Ada County | 13 | 11 | 1 | 7.7% |
| Bonner County | 5 | 4 | 0 | 0.0% |
| Canyon County | 3 | 3 | 0 | 0.0% |
| Bannock County | 2 | 0 | 2 | 100.0% |
| Benewah County | 2 | 1 | 1 | 50.0% |
| Shoshone County | 2 | 1 | 0 | 0.0% |
| Bonneville County | 2 | 1 | 1 | 50.0% |
| Payette County | 1 | 1 | 0 | 0.0% |
| Blaine 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: 57 applications in 2025, of which 44 were originated and 8 denied.
14.0% of all applications, or 15.4% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Georgia'S Own originated in Idaho in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Georgia'S Own'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