Homeamerican Mortgage in Idaho vs the state
7.2%Denial rate-7.27 pts vs state
7.7%Decision denial rate-9.87 pts vs state
81.2%Origination rate+18.20 pts vs state
5.00%Median rate-1.63 pts vs state
-1.28Rate spread (pts)-1.43 pts vs state
$130kMedian applicant income
147Loans originated
13Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 46 | 12.3% | 5.81% | #119 |
| 2024 | 154 | 115 | 9.1% | 5.25% | #86 |
| 2025 | 181 | 147 | 7.2% | 5.00% | #88 |
What Homeamerican Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 144 | 118 | 12 | 8.3% |
| Canyon County | 37 | 29 | 1 | 2.7% |
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% |
| 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: 181 applications in 2025, of which 147 were originated and 13 denied.
7.2% of all applications, or 7.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Homeamerican Mortgage originated in Idaho in 2025 was 5.00%, against a statewide median of 6.63%.
About this data. Figures are Homeamerican 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