Lower in Idaho vs the state
9.6%Denial rate-4.82 pts vs state
23.9%Decision denial rate+6.34 pts vs state
30.3%Origination rate-32.74 pts vs state
6.56%Median rate-0.06 pts vs state
0.33Rate spread (pts)+0.18 pts vs state
$101kMedian applicant income
66Loans originated
21Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 5 | 10.0% | 7.00% | #250 |
| 2024 | 39 | 16 | 12.8% | 6.69% | #160 |
| 2025 | 218 | 66 | 9.6% | 6.56% | #81 |
What Lower lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 74 | 40 | 1 | 1.4% |
| Canyon County | 33 | 8 | 2 | 6.1% |
| Kootenai County | 18 | 4 | 0 | 0.0% |
| Bonneville County | 18 | 4 | 4 | 22.2% |
| Twin Falls County | 9 | 1 | 1 | 11.1% |
| Bonner County | 7 | 3 | 1 | 14.3% |
| Bannock County | 7 | 0 | 2 | 28.6% |
| Nez Perce County | 5 | 0 | 1 | 20.0% |
| Franklin County | 4 | 2 | 1 | 25.0% |
| Owyhee County | 4 | 1 | 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: 218 applications in 2025, of which 66 were originated and 21 denied.
9.6% of all applications, or 23.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Lower originated in Idaho in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Lower'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