Homexpress Mortgage in Idaho vs the state
31.4%Denial rate+16.95 pts vs state
32.1%Decision denial rate+14.62 pts vs state
66.3%Origination rate+3.26 pts vs state
7.25%Median rate+0.63 pts vs state
0.91Rate spread (pts)+0.75 pts vs state
$217kMedian applicant income
57Loans originated
27Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 36 | 41.9% | 8.31% | #129 |
| 2024 | 96 | 58 | 36.5% | 7.63% | #113 |
| 2025 | 86 | 57 | 31.4% | 7.25% | #124 |
What Homexpress Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 42 | 30 | 12 | 28.6% |
| Canyon County | 11 | 8 | 3 | 27.3% |
| Kootenai County | 8 | 6 | 2 | 25.0% |
| Valley County | 5 | 2 | 2 | 40.0% |
| Shoshone County | 3 | 1 | 1 | 33.3% |
| Bannock County | 3 | 1 | 2 | 66.7% |
| Bear Lake County | 2 | 0 | 2 | 100.0% |
| Blaine County | 2 | 1 | 1 | 50.0% |
| Bingham County | 2 | 2 | 0 | 0.0% |
| Twin Falls County | 2 | 1 | 1 | 50.0% |
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: 86 applications in 2025, of which 57 were originated and 27 denied.
31.4% of all applications, or 32.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Homexpress Mortgage originated in Idaho in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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