Mountain America Federal Credit Union in Idaho vs the state
37.7%Denial rate+23.26 pts vs state
44.8%Decision denial rate+27.31 pts vs state
46.0%Origination rate-17.00 pts vs state
7.24%Median rate+0.62 pts vs state
0.76Rate spread (pts)+0.61 pts vs state
$97kMedian applicant income
1,069Loans originated
876Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,295 | 1,097 | 29.2% | 8.00% | #4 |
| 2024 | 2,207 | 1,029 | 32.4% | 8.25% | #4 |
| 2025 | 2,323 | 1,069 | 37.7% | 7.24% | #5 |
What Mountain America Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 528 | 261 | 181 | 34.3% |
| Bonneville County | 361 | 179 | 124 | 34.3% |
| Canyon County | 316 | 161 | 112 | 35.4% |
| Bannock County | 229 | 119 | 79 | 34.5% |
| Twin Falls County | 102 | 29 | 53 | 52.0% |
| Madison County | 101 | 40 | 39 | 38.6% |
| Bingham County | 100 | 47 | 40 | 40.0% |
| Jefferson County | 77 | 32 | 30 | 39.0% |
| Fremont County | 71 | 32 | 29 | 40.8% |
| Franklin County | 50 | 22 | 22 | 44.0% |
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% |
| 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% |
| First Federal Savings Bank of Twin Falls | C | 1,250 | 14.2% | 6.92% |
Frequently asked questions
Idaho: 2,323 applications in 2025, of which 1,069 were originated and 876 denied.
37.7% of all applications, or 44.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Mountain America Federal Credit Union originated in Idaho in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are Mountain America Federal Credit Union'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