GTE Federal Credit Union in Idaho vs the state
16.7%Denial rate+2.22 pts vs state
18.9%Decision denial rate+1.40 pts vs state
69.1%Origination rate+6.03 pts vs state
8.75%Median rate+2.13 pts vs state
1.54Rate spread (pts)+1.39 pts vs state
$131kMedian applicant income
29Loans originated
7Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 37 | 34.3% | 10.50% | #124 |
| 2024 | 18 | 12 | 27.8% | 10.19% | #224 |
| 2025 | 42 | 29 | 16.7% | 8.75% | #178 |
What GTE Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most GTE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 19 | 13 | 2 | 10.5% |
| Kootenai County | 7 | 6 | 1 | 14.3% |
| Canyon County | 5 | 4 | 0 | 0.0% |
| Latah County | 2 | 1 | 1 | 50.0% |
| Bonner County | 1 | 1 | 0 | 0.0% |
| Gooding County | 1 | 0 | 1 | 100.0% |
| Bannock County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Blaine County | 1 | 1 | 0 | 0.0% |
| Boise 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: 42 applications in 2025, of which 29 were originated and 7 denied.
16.7% of all applications, or 18.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans GTE Federal Credit Union originated in Idaho in 2025 was 8.75%, against a statewide median of 6.63%.
About this data. Figures are GTE Federal Credit Union'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