PNC Bank in Idaho vs the state
23.0%Denial rate+8.56 pts vs state
30.6%Decision denial rate+13.07 pts vs state
52.2%Origination rate-10.81 pts vs state
6.50%Median rate-0.13 pts vs state
-0.34Rate spread (pts)-0.49 pts vs state
$144kMedian applicant income
59Loans originated
26Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 72 | 20.2% | 7.79% | #91 |
| 2024 | 139 | 61 | 32.4% | 6.99% | #94 |
| 2025 | 113 | 59 | 23.0% | 6.50% | #114 |
What PNC Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 49 | 22 | 12 | 24.5% |
| Canyon County | 13 | 6 | 3 | 23.1% |
| Kootenai County | 10 | 7 | 1 | 10.0% |
| Bonneville County | 6 | 3 | 2 | 33.3% |
| Blaine County | 4 | 4 | 0 | 0.0% |
| Jefferson County | 4 | 2 | 1 | 25.0% |
| Twin Falls County | 3 | 2 | 0 | 0.0% |
| Bannock County | 3 | 2 | 0 | 0.0% |
| Valley County | 3 | 3 | 0 | 0.0% |
| Idaho County | 2 | 1 | 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: 113 applications in 2025, of which 59 were originated and 26 denied.
23.0% of all applications, or 30.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans PNC Bank originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are PNC 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