Primary Residential Mortgage in Idaho vs the state
19.2%Denial rate+4.78 pts vs state
22.2%Decision denial rate+4.70 pts vs state
67.3%Origination rate+4.29 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.20 pts vs state
$112kMedian applicant income
35Loans originated
10Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 102 | 7.5% | 6.88% | #82 |
| 2024 | 76 | 56 | 5.3% | 6.75% | #125 |
| 2025 | 52 | 35 | 19.2% | 6.50% | #162 |
What Primary Residential Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 19 | 16 | 2 | 10.5% |
| Ada County | 17 | 12 | 3 | 17.6% |
| Shoshone County | 4 | 0 | 4 | 100.0% |
| Gem County | 3 | 1 | 0 | 0.0% |
| Nez Perce County | 2 | 2 | 0 | 0.0% |
| Elmore County | 1 | 0 | 0 | 0.0% |
| Teton County | 1 | 1 | 0 | 0.0% |
| Valley County | 1 | 0 | 1 | 100.0% |
| Bingham County | 1 | 0 | 0 | 0.0% |
| Boundary County | 1 | 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: 52 applications in 2025, of which 35 were originated and 10 denied.
19.2% of all applications, or 22.2% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Primary Residential Mortgage originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Primary Residential 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