Intercap Lending in Idaho vs the state
2.6%Denial rate-11.90 pts vs state
3.0%Decision denial rate-14.49 pts vs state
73.3%Origination rate+10.23 pts vs state
6.38%Median rate-0.25 pts vs state
0.35Rate spread (pts)+0.19 pts vs state
$116kMedian applicant income
115Loans originated
4Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 53 | 2.8% | 6.50% | #121 |
| 2024 | 85 | 60 | 2.4% | 6.56% | #117 |
| 2025 | 157 | 115 | 2.6% | 6.38% | #98 |
What Intercap Lending lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Intercap Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 52 | 41 | 0 | 0.0% |
| Bonneville County | 19 | 17 | 0 | 0.0% |
| Ada County | 17 | 11 | 2 | 11.8% |
| Oneida County | 10 | 8 | 0 | 0.0% |
| Franklin County | 8 | 6 | 0 | 0.0% |
| Caribou County | 6 | 4 | 1 | 16.7% |
| Bannock County | 5 | 2 | 0 | 0.0% |
| Cassia County | 5 | 1 | 0 | 0.0% |
| Teton County | 4 | 4 | 0 | 0.0% |
| Bear Lake County | 4 | 2 | 1 | 25.0% |
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: 157 applications in 2025, of which 115 were originated and 4 denied.
2.6% of all applications, or 3.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Intercap Lending originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Intercap Lending'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