Navy Federal Credit Union in Idaho vs the state
17.3%Denial rate+2.84 pts vs state
24.6%Decision denial rate+7.04 pts vs state
52.8%Origination rate-10.26 pts vs state
7.34%Median rate+0.71 pts vs state
0.37Rate spread (pts)+0.22 pts vs state
$128kMedian applicant income
296Loans originated
97Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 493 | 229 | 21.5% | 7.20% | #34 |
| 2024 | 550 | 291 | 17.3% | 7.13% | #35 |
| 2025 | 561 | 296 | 17.3% | 7.34% | #38 |
What Navy Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 186 | 105 | 31 | 16.7% |
| Canyon County | 73 | 35 | 17 | 23.3% |
| Kootenai County | 55 | 32 | 8 | 14.5% |
| Bonneville County | 44 | 24 | 6 | 13.6% |
| Bonner County | 26 | 11 | 7 | 26.9% |
| Elmore County | 20 | 10 | 4 | 20.0% |
| Bannock County | 19 | 13 | 1 | 5.3% |
| Bingham County | 17 | 5 | 4 | 23.5% |
| Nez Perce County | 14 | 10 | 2 | 14.3% |
| Latah County | 10 | 4 | 3 | 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: 561 applications in 2025, of which 296 were originated and 97 denied.
17.3% of all applications, or 24.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Navy Federal Credit Union originated in Idaho in 2025 was 7.34%, against a statewide median of 6.63%.
About this data. Figures are Navy 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