Highlands Residential Mortgage in Idaho vs the state
0.8%Denial rate-13.67 pts vs state
1.0%Decision denial rate-16.51 pts vs state
74.8%Origination rate+11.79 pts vs state
6.50%Median rate-0.13 pts vs state
0.44Rate spread (pts)+0.29 pts vs state
$103kMedian applicant income
193Loans originated
2Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 214 | 156 | 5.1% | 6.63% | #74 |
| 2024 | 241 | 175 | 3.3% | 6.63% | #72 |
| 2025 | 258 | 193 | 0.8% | 6.50% | #75 |
What Highlands Residential Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bonneville County | 101 | 75 | 1 | 1.0% |
| Bonner County | 35 | 23 | 1 | 2.9% |
| Bingham County | 32 | 24 | 0 | 0.0% |
| Jefferson County | 26 | 24 | 0 | 0.0% |
| Kootenai County | 16 | 10 | 0 | 0.0% |
| Bannock County | 13 | 10 | 0 | 0.0% |
| Boundary County | 10 | 9 | 0 | 0.0% |
| Shoshone County | 9 | 5 | 0 | 0.0% |
| Butte County | 5 | 3 | 0 | 0.0% |
| Madison County | 5 | 5 | 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: 258 applications in 2025, of which 193 were originated and 2 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Highlands Residential Mortgage originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Highlands Residential 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