Planet Home Lending in Idaho vs the state
6.4%Denial rate-8.02 pts vs state
7.2%Decision denial rate-10.36 pts vs state
82.5%Origination rate+19.51 pts vs state
6.50%Median rate-0.13 pts vs state
0.40Rate spread (pts)+0.24 pts vs state
$98kMedian applicant income
411Loans originated
32Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 78 | 14.4% | 7.19% | #101 |
| 2024 | 238 | 197 | 10.9% | 6.50% | #75 |
| 2025 | 498 | 411 | 6.4% | 6.50% | #46 |
What Planet Home Lending lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Planet Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Twin Falls County | 145 | 122 | 9 | 6.2% |
| Kootenai County | 125 | 112 | 3 | 2.4% |
| Jerome County | 48 | 40 | 2 | 4.2% |
| Canyon County | 29 | 19 | 5 | 17.2% |
| Minidoka County | 27 | 16 | 3 | 11.1% |
| Cassia County | 23 | 20 | 1 | 4.3% |
| Ada County | 19 | 14 | 4 | 21.1% |
| Bonneville County | 16 | 15 | 0 | 0.0% |
| Gooding County | 13 | 10 | 1 | 7.7% |
| Bonner County | 11 | 11 | 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: 498 applications in 2025, of which 411 were originated and 32 denied.
6.4% of all applications, or 7.2% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Planet Home Lending originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Planet Home Lending'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