Goldenwest in Idaho vs the state
21.8%Denial rate+7.30 pts vs state
23.9%Decision denial rate+6.39 pts vs state
53.4%Origination rate-9.63 pts vs state
7.50%Median rate+0.88 pts vs state
0.22Rate spread (pts)+0.06 pts vs state
$116kMedian applicant income
189Loans originated
77Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 74 | 36.1% | 8.00% | #78 |
| 2024 | 239 | 108 | 28.5% | 7.75% | #73 |
| 2025 | 354 | 189 | 21.8% | 7.50% | #61 |
What Goldenwest lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Goldenwest applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bonneville County | 58 | 33 | 13 | 22.4% |
| Ada County | 56 | 34 | 16 | 28.6% |
| Franklin County | 46 | 25 | 13 | 28.3% |
| Madison County | 31 | 20 | 2 | 6.5% |
| Jefferson County | 16 | 11 | 3 | 18.8% |
| Fremont County | 15 | 11 | 1 | 6.7% |
| Kootenai County | 14 | 9 | 3 | 21.4% |
| Canyon County | 14 | 8 | 4 | 28.6% |
| Bannock County | 11 | 10 | 1 | 9.1% |
| Oneida County | 10 | 6 | 3 | 30.0% |
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: 354 applications in 2025, of which 189 were originated and 77 denied.
21.8% of all applications, or 23.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Goldenwest originated in Idaho in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Goldenwest'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