Gesa in Idaho vs the state
24.1%Denial rate+9.60 pts vs state
29.0%Decision denial rate+11.49 pts vs state
58.9%Origination rate-4.16 pts vs state
6.50%Median rate-0.13 pts vs state
0.19Rate spread (pts)+0.03 pts vs state
$133kMedian applicant income
93Loans originated
38Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 18 | 29.0% | 7.38% | #164 |
| 2024 | 85 | 35 | 38.8% | 7.00% | #118 |
| 2025 | 158 | 93 | 24.1% | 6.50% | #97 |
What Gesa lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Gesa applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 83 | 59 | 14 | 16.9% |
| Bonner County | 42 | 12 | 20 | 47.6% |
| Ada County | 5 | 4 | 0 | 0.0% |
| Benewah County | 5 | 4 | 0 | 0.0% |
| Boundary County | 4 | 2 | 0 | 0.0% |
| Valley County | 3 | 2 | 0 | 0.0% |
| Canyon County | 3 | 2 | 0 | 0.0% |
| Latah County | 2 | 1 | 1 | 50.0% |
| Shoshone County | 2 | 0 | 2 | 100.0% |
| Nez Perce County | 2 | 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: 158 applications in 2025, of which 93 were originated and 38 denied.
24.1% of all applications, or 29.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Gesa originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Gesa'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