Hometown Equity Mortgage in Idaho vs the state
31.0%Denial rate+16.58 pts vs state
34.6%Decision denial rate+17.10 pts vs state
58.6%Origination rate-4.40 pts vs state
7.38%Median rate+0.75 pts vs state
1.50Rate spread (pts)+1.34 pts vs state
$139kMedian applicant income
17Loans originated
9Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 33.3% | 10.00% | #298 |
| 2024 | 14 | 3 | 78.6% | 7.50% | #239 |
| 2025 | 29 | 17 | 31.0% | 7.38% | #196 |
What Hometown Equity Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 8 | 6 | 2 | 25.0% |
| Kootenai County | 4 | 2 | 2 | 50.0% |
| Madison County | 3 | 1 | 0 | 0.0% |
| Canyon County | 2 | 0 | 1 | 50.0% |
| Bonneville County | 2 | 2 | 0 | 0.0% |
| Bingham County | 2 | 2 | 0 | 0.0% |
| Bear Lake County | 2 | 2 | 0 | 0.0% |
| Cassia County | 1 | 0 | 1 | 100.0% |
| Bannock County | 1 | 0 | 1 | 100.0% |
| Fremont County | 1 | 1 | 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: 29 applications in 2025, of which 17 were originated and 9 denied.
31.0% of all applications, or 34.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Hometown Equity Mortgage originated in Idaho in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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