Guaranteed Rate in Idaho vs the state
5.3%Denial rate-9.17 pts vs state
7.4%Decision denial rate-10.13 pts vs state
65.4%Origination rate+2.33 pts vs state
6.58%Median rate-0.05 pts vs state
0.20Rate spread (pts)+0.05 pts vs state
$123kMedian applicant income
643Loans originated
52Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 575 | 364 | 2.3% | 6.50% | #29 |
| 2024 | 850 | 574 | 4.9% | 6.63% | #18 |
| 2025 | 984 | 643 | 5.3% | 6.58% | #17 |
What Guaranteed Rate lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 326 | 231 | 10 | 3.1% |
| Kootenai County | 210 | 150 | 13 | 6.2% |
| Canyon County | 114 | 79 | 5 | 4.4% |
| Bonner County | 70 | 37 | 5 | 7.1% |
| Teton County | 27 | 17 | 2 | 7.4% |
| Blaine County | 25 | 16 | 1 | 4.0% |
| Nez Perce County | 20 | 12 | 2 | 10.0% |
| Valley County | 18 | 10 | 4 | 22.2% |
| Twin Falls County | 16 | 7 | 0 | 0.0% |
| Boise County | 15 | 8 | 2 | 13.3% |
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: 984 applications in 2025, of which 643 were originated and 52 denied.
5.3% of all applications, or 7.4% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Guaranteed Rate originated in Idaho in 2025 was 6.58%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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