New Day Financial in Idaho vs the state
18.6%Denial rate+4.13 pts vs state
49.6%Decision denial rate+32.09 pts vs state
18.3%Origination rate-44.73 pts vs state
6.99%Median rate+0.37 pts vs state
0.87Rate spread (pts)+0.72 pts vs state
$78kMedian applicant income
62Loans originated
63Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 251 | 40 | 26.7% | 7.31% | #66 |
| 2024 | 329 | 39 | 20.7% | 7.50% | #58 |
| 2025 | 339 | 62 | 18.6% | 6.99% | #67 |
What New Day Financial lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most New Day Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 53 | 9 | 9 | 17.0% |
| Canyon County | 44 | 9 | 12 | 27.3% |
| Kootenai County | 42 | 8 | 4 | 9.5% |
| Bonneville County | 21 | 6 | 3 | 14.3% |
| Twin Falls County | 19 | 3 | 7 | 36.8% |
| Elmore County | 19 | 0 | 7 | 36.8% |
| Bannock County | 17 | 4 | 1 | 5.9% |
| Nez Perce County | 13 | 5 | 4 | 30.8% |
| Gem County | 11 | 1 | 3 | 27.3% |
| Bonner County | 11 | 1 | 2 | 18.2% |
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: 339 applications in 2025, of which 62 were originated and 63 denied.
18.6% of all applications, or 49.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans New Day Financial originated in Idaho in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are New Day Financial'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