Pennymac Loan Services in Idaho vs the state
10.8%Denial rate-3.66 pts vs state
15.1%Decision denial rate-2.45 pts vs state
58.6%Origination rate-4.42 pts vs state
6.50%Median rate-0.13 pts vs state
0.28Rate spread (pts)+0.13 pts vs state
$117kMedian applicant income
760Loans originated
140Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 610 | 274 | 13.4% | 6.63% | #26 |
| 2024 | 863 | 515 | 11.2% | 6.75% | #16 |
| 2025 | 1,297 | 760 | 10.8% | 6.50% | #10 |
What Pennymac Loan Services lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 435 | 289 | 40 | 9.2% |
| Canyon County | 179 | 112 | 21 | 11.7% |
| Kootenai County | 145 | 83 | 11 | 7.6% |
| Bonneville County | 97 | 52 | 16 | 16.5% |
| Twin Falls County | 38 | 20 | 5 | 13.2% |
| Bonner County | 37 | 19 | 1 | 2.7% |
| Bingham County | 31 | 18 | 1 | 3.2% |
| Bannock County | 31 | 16 | 5 | 16.1% |
| Jefferson County | 31 | 13 | 4 | 12.9% |
| Elmore County | 29 | 18 | 4 | 13.8% |
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% |
| First Federal Savings Bank of Twin Falls | C | 1,250 | 14.2% | 6.92% |
Frequently asked questions
Idaho: 1,297 applications in 2025, of which 760 were originated and 140 denied.
10.8% of all applications, or 15.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Pennymac Loan Services originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Pennymac Loan Services'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