Jmac Lending in Idaho vs the state
2.2%Denial rate-12.28 pts vs state
3.0%Decision denial rate-14.49 pts vs state
69.6%Origination rate+6.55 pts vs state
6.43%Median rate-0.19 pts vs state
0.29Rate spread (pts)+0.14 pts vs state
$126kMedian applicant income
32Loans originated
1Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 0.0% | 7.25% | #302 |
| 2024 | 20 | 13 | 0.0% | 6.75% | #218 |
| 2025 | 46 | 32 | 2.2% | 6.43% | #169 |
What Jmac Lending lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 14 | 10 | 0 | 0.0% |
| Ada County | 10 | 6 | 0 | 0.0% |
| Bonner County | 4 | 3 | 0 | 0.0% |
| Canyon County | 4 | 4 | 0 | 0.0% |
| Bonneville County | 3 | 2 | 0 | 0.0% |
| Valley County | 3 | 2 | 1 | 33.3% |
| Shoshone County | 2 | 2 | 0 | 0.0% |
| Bannock County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Teton 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: 46 applications in 2025, of which 32 were originated and 1 denied.
2.2% 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 Jmac Lending originated in Idaho in 2025 was 6.43%, against a statewide median of 6.63%.
About this data. Figures are Jmac 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