Home Mortgage Alliance Corporation (HMAC) in Idaho vs the state
25.0%Denial rate+10.55 pts vs state
50.0%Decision denial rate+32.48 pts vs state
25.0%Origination rate-38.02 pts vs state
7.00%Median rate+0.38 pts vs state
1.01Rate spread (pts)+0.86 pts vs state
$148kMedian applicant income
2Loans originated
2Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 3 | 30.0% | 10.88% | #256 |
| 2024 | 11 | 6 | 9.1% | 8.06% | #247 |
| 2025 | 8 | 2 | 25.0% | 7.00% | #291 |
What Home Mortgage Alliance Corporation (HMAC) lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 4 | 2 | 1 | 25.0% |
| Blaine County | 3 | 0 | 0 | 0.0% |
| Bannock County | 1 | 0 | 1 | 100.0% |
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: 8 applications in 2025, of which 2 were originated and 2 denied.
25.0% of all applications, or 50.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Idaho in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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