Kind Lending in Idaho vs the state
16.0%Denial rate+1.57 pts vs state
17.9%Decision denial rate+0.39 pts vs state
72.9%Origination rate+9.87 pts vs state
6.50%Median rate-0.13 pts vs state
0.17Rate spread (pts)+0.02 pts vs state
$126kMedian applicant income
578Loans originated
127Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 57 | 7.9% | 6.99% | #116 |
| 2024 | 363 | 248 | 16.8% | 6.63% | #53 |
| 2025 | 793 | 578 | 16.0% | 6.50% | #24 |
What Kind Lending lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 279 | 207 | 35 | 12.5% |
| Canyon County | 114 | 88 | 18 | 15.8% |
| Kootenai County | 76 | 54 | 13 | 17.1% |
| Bonneville County | 54 | 42 | 3 | 5.6% |
| Latah County | 25 | 16 | 6 | 24.0% |
| Nez Perce County | 25 | 23 | 2 | 8.0% |
| Jefferson County | 20 | 10 | 4 | 20.0% |
| Bonner County | 20 | 14 | 6 | 30.0% |
| Bannock County | 20 | 15 | 3 | 15.0% |
| Twin Falls County | 18 | 13 | 4 | 22.2% |
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: 793 applications in 2025, of which 578 were originated and 127 denied.
16.0% of all applications, or 17.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Kind Lending originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Kind 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