Granite Bank in Idaho vs the state
12.9%Denial rate-1.55 pts vs state
14.8%Decision denial rate-2.71 pts vs state
74.2%Origination rate+11.17 pts vs state
6.25%Median rate-0.38 pts vs state
0.14Rate spread (pts)-0.01 pts vs state
$118kMedian applicant income
23Loans originated
4Denied
What Granite Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 19 | 15 | 2 | 10.5% |
| Shoshone County | 6 | 3 | 1 | 16.7% |
| Bonner County | 3 | 2 | 1 | 33.3% |
| Ada County | 1 | 1 | 0 | 0.0% |
| Payette County | 1 | 1 | 0 | 0.0% |
| Benewah 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: 31 applications in 2025, of which 23 were originated and 4 denied.
12.9% of all applications, or 14.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Granite Bank originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Granite 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