Nations Direct Mortgage in Idaho vs the state
4.6%Denial rate-9.83 pts vs state
6.0%Decision denial rate-11.52 pts vs state
72.3%Origination rate+9.29 pts vs state
6.49%Median rate-0.13 pts vs state
-0.10Rate spread (pts)-0.26 pts vs state
$140kMedian applicant income
47Loans originated
3Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 14 | 10.5% | 6.69% | #205 |
| 2024 | 44 | 38 | 6.8% | 6.56% | #149 |
| 2025 | 65 | 47 | 4.6% | 6.49% | #147 |
What Nations Direct Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 25 | 16 | 0 | 0.0% |
| Canyon County | 7 | 6 | 0 | 0.0% |
| Kootenai County | 6 | 3 | 1 | 16.7% |
| Bonner County | 6 | 5 | 0 | 0.0% |
| Latah County | 4 | 3 | 0 | 0.0% |
| Bonneville County | 3 | 2 | 1 | 33.3% |
| Elmore County | 2 | 2 | 0 | 0.0% |
| Jerome County | 2 | 1 | 1 | 50.0% |
| Gem County | 2 | 2 | 0 | 0.0% |
| Valley County | 2 | 2 | 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: 65 applications in 2025, of which 47 were originated and 3 denied.
4.6% of all applications, or 6.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Nations Direct Mortgage originated in Idaho in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct Mortgage'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