NFM in Idaho vs the state
1.5%Denial rate-12.98 pts vs state
2.0%Decision denial rate-15.57 pts vs state
73.0%Origination rate+10.00 pts vs state
6.25%Median rate-0.38 pts vs state
0.33Rate spread (pts)+0.18 pts vs state
$91kMedian applicant income
249Loans originated
5Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 217 | 180 | 0.5% | 6.38% | #70 |
| 2024 | 297 | 216 | 0.7% | 6.63% | #63 |
| 2025 | 341 | 249 | 1.5% | 6.25% | #66 |
What NFM lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Twin Falls County | 132 | 95 | 2 | 1.5% |
| Minidoka County | 56 | 43 | 2 | 3.6% |
| Kootenai County | 47 | 35 | 0 | 0.0% |
| Cassia County | 42 | 30 | 0 | 0.0% |
| Jerome County | 19 | 15 | 0 | 0.0% |
| Gooding County | 7 | 5 | 0 | 0.0% |
| Ada County | 7 | 5 | 0 | 0.0% |
| Bonner County | 6 | 4 | 1 | 16.7% |
| Lemhi County | 4 | 2 | 0 | 0.0% |
| Canyon County | 4 | 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: 341 applications in 2025, of which 249 were originated and 5 denied.
1.5% of all applications, or 2.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans NFM originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are NFM'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