Plains Commerce Bank in Idaho vs the state
3.1%Denial rate-11.38 pts vs state
4.9%Decision denial rate-12.67 pts vs state
60.1%Origination rate-2.90 pts vs state
6.38%Median rate-0.25 pts vs state
0.02Rate spread (pts)-0.14 pts vs state
$136kMedian applicant income
98Loans originated
5Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 37 | 0.0% | 6.63% | #120 |
| 2024 | 181 | 98 | 0.6% | 6.13% | #82 |
| 2025 | 163 | 98 | 3.1% | 6.38% | #94 |
What Plains Commerce Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 96 | 64 | 3 | 3.1% |
| Canyon County | 28 | 14 | 1 | 3.6% |
| Kootenai County | 9 | 7 | 0 | 0.0% |
| Twin Falls County | 5 | 3 | 1 | 20.0% |
| Bonneville County | 4 | 1 | 0 | 0.0% |
| Blaine County | 3 | 1 | 0 | 0.0% |
| Payette County | 2 | 1 | 0 | 0.0% |
| Boise County | 2 | 1 | 0 | 0.0% |
| Valley County | 2 | 2 | 0 | 0.0% |
| Elmore County | 2 | 1 | 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: 163 applications in 2025, of which 98 were originated and 5 denied.
3.1% of all applications, or 4.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Plains Commerce Bank originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Plains Commerce Bank'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