KeyBank in Idaho vs the state
27.5%Denial rate+13.07 pts vs state
32.7%Decision denial rate+15.21 pts vs state
55.1%Origination rate-7.97 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.13 pts vs state
$110kMedian applicant income
180Loans originated
90Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 497 | 265 | 26.6% | 7.50% | #32 |
| 2024 | 295 | 163 | 28.8% | 6.88% | #64 |
| 2025 | 327 | 180 | 27.5% | 6.63% | #69 |
What KeyBank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most KeyBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 105 | 67 | 25 | 23.8% |
| Bonneville County | 40 | 17 | 12 | 30.0% |
| Canyon County | 38 | 17 | 12 | 31.6% |
| Bingham County | 27 | 14 | 9 | 33.3% |
| Twin Falls County | 14 | 5 | 4 | 28.6% |
| Teton County | 12 | 7 | 4 | 33.3% |
| Bannock County | 11 | 8 | 1 | 9.1% |
| Cassia County | 10 | 8 | 1 | 10.0% |
| Payette County | 10 | 6 | 3 | 30.0% |
| Minidoka County | 8 | 5 | 2 | 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: 327 applications in 2025, of which 180 were originated and 90 denied.
27.5% of all applications, or 32.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans KeyBank originated in Idaho in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are KeyBank'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