Keystone Funding in Idaho vs the state
12.5%Denial rate-1.95 pts vs state
12.5%Decision denial rate-5.02 pts vs state
87.5%Origination rate+24.48 pts vs state
6.50%Median rate-0.13 pts vs state
0.45Rate spread (pts)+0.30 pts vs state
$136kMedian applicant income
7Loans originated
1Denied
What Keystone Funding lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Valley County | 2 | 2 | 0 | 0.0% |
| Minidoka County | 1 | 1 | 0 | 0.0% |
| Kootenai County | 1 | 1 | 0 | 0.0% |
| Bonneville County | 1 | 1 | 0 | 0.0% |
| Ada County | 1 | 1 | 0 | 0.0% |
| Nez Perce 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: 8 applications in 2025, of which 7 were originated and 1 denied.
12.5% of all applications, or 12.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Keystone Funding originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding'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