Idaho Central Credit Union in Idaho vs the state
16.5%Denial rate+2.08 pts vs state
17.6%Decision denial rate+0.06 pts vs state
63.1%Origination rate+0.08 pts vs state
7.00%Median rate+0.38 pts vs state
-1.42Rate spread (pts)-1.57 pts vs state
$122kMedian applicant income
9,871Loans originated
2,586Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,174 | 7,269 | 21.1% | 8.25% | #1 |
| 2024 | 13,361 | 8,181 | 20.0% | 8.00% | #1 |
| 2025 | 15,644 | 9,871 | 16.5% | 7.00% | #1 |
What Idaho Central Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Idaho Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 5,396 | 3,559 | 746 | 13.8% |
| Canyon County | 2,327 | 1,367 | 474 | 20.4% |
| Kootenai County | 1,287 | 853 | 199 | 15.5% |
| Bonneville County | 1,021 | 651 | 151 | 14.8% |
| Bannock County | 906 | 615 | 130 | 14.3% |
| Twin Falls County | 799 | 504 | 144 | 18.0% |
| Bingham County | 460 | 275 | 99 | 21.5% |
| Jefferson County | 291 | 178 | 45 | 15.5% |
| Valley County | 244 | 146 | 38 | 15.6% |
| Cassia County | 237 | 124 | 61 | 25.7% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| First Federal Savings Bank of Twin Falls | C | 1,250 | 14.2% | 6.92% |
Frequently asked questions
Idaho: 15,644 applications in 2025, of which 9,871 were originated and 2,586 denied.
16.5% of all applications, or 17.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Idaho Central Credit Union originated in Idaho in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Idaho Central Credit Union'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