Guild Mortgage in Idaho vs the state
3.4%Denial rate-11.04 pts vs state
4.2%Decision denial rate-13.36 pts vs state
75.7%Origination rate+12.71 pts vs state
6.50%Median rate-0.13 pts vs state
0.21Rate spread (pts)+0.06 pts vs state
$103kMedian applicant income
1,757Loans originated
79Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,121 | 797 | 3.6% | 6.75% | #14 |
| 2024 | 2,098 | 1,591 | 3.4% | 6.63% | #6 |
| 2025 | 2,320 | 1,757 | 3.4% | 6.50% | #6 |
What Guild Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 676 | 506 | 22 | 3.3% |
| Canyon County | 645 | 495 | 15 | 2.3% |
| Kootenai County | 149 | 120 | 2 | 1.3% |
| Twin Falls County | 132 | 99 | 11 | 8.3% |
| Payette County | 103 | 83 | 3 | 2.9% |
| Gem County | 45 | 36 | 0 | 0.0% |
| Franklin County | 42 | 31 | 1 | 2.4% |
| Washington County | 39 | 32 | 2 | 5.1% |
| Jerome County | 38 | 29 | 3 | 7.9% |
| Gooding County | 35 | 26 | 2 | 5.7% |
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% |
| 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% |
| First Federal Savings Bank of Twin Falls | C | 1,250 | 14.2% | 6.92% |
Frequently asked questions
Idaho: 2,320 applications in 2025, of which 1,757 were originated and 79 denied.
3.4% of all applications, or 4.2% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Guild Mortgage originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage'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