Mortgage Research Center in Idaho vs the state
18.5%Denial rate+4.09 pts vs state
29.0%Decision denial rate+11.48 pts vs state
44.6%Origination rate-18.39 pts vs state
6.13%Median rate-0.50 pts vs state
-0.37Rate spread (pts)-0.53 pts vs state
$104kMedian applicant income
515Loans originated
214Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 709 | 316 | 15.5% | 6.63% | #22 |
| 2024 | 863 | 406 | 14.7% | 6.25% | #15 |
| 2025 | 1,154 | 515 | 18.5% | 6.13% | #13 |
What Mortgage Research Center lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 209 | 92 | 32 | 15.3% |
| Canyon County | 169 | 77 | 37 | 21.9% |
| Kootenai County | 112 | 42 | 25 | 22.3% |
| Elmore County | 105 | 65 | 16 | 15.2% |
| Bonneville County | 72 | 32 | 12 | 16.7% |
| Bannock County | 56 | 21 | 15 | 26.8% |
| Bonner County | 46 | 15 | 8 | 17.4% |
| Twin Falls County | 45 | 26 | 10 | 22.2% |
| Nez Perce County | 39 | 20 | 4 | 10.3% |
| Bingham County | 30 | 10 | 9 | 30.0% |
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: 1,154 applications in 2025, of which 515 were originated and 214 denied.
18.5% of all applications, or 29.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Mortgage Research Center originated in Idaho in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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