PHH Mortgage in Idaho vs the state
6.5%Denial rate-7.97 pts vs state
16.3%Decision denial rate-1.24 pts vs state
33.3%Origination rate-29.69 pts vs state
6.06%Median rate-0.56 pts vs state
0.05Rate spread (pts)-0.10 pts vs state
$61kMedian applicant income
36Loans originated
7Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 72 | 9.0% | 7.04% | #98 |
| 2024 | 104 | 54 | 11.5% | 6.73% | #111 |
| 2025 | 108 | 36 | 6.5% | 6.06% | #115 |
What PHH Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 20 | 8 | 0 | 0.0% |
| Ada County | 19 | 8 | 1 | 5.3% |
| Kootenai County | 13 | 2 | 1 | 7.7% |
| Twin Falls County | 10 | 6 | 0 | 0.0% |
| Bonneville County | 7 | 2 | 1 | 14.3% |
| Elmore County | 5 | 2 | 1 | 20.0% |
| Bonner County | 5 | 0 | 0 | 0.0% |
| Bannock County | 4 | 2 | 0 | 0.0% |
| Jefferson County | 3 | 0 | 0 | 0.0% |
| Cassia County | 2 | 0 | 1 | 50.0% |
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: 108 applications in 2025, of which 36 were originated and 7 denied.
6.5% of all applications, or 16.3% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans PHH Mortgage originated in Idaho in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are PHH 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