Provident Funding Associates in Idaho vs the state
4.7%Denial rate-9.80 pts vs state
5.9%Decision denial rate-11.64 pts vs state
72.1%Origination rate+9.07 pts vs state
6.25%Median rate-0.38 pts vs state
-0.05Rate spread (pts)-0.21 pts vs state
$140kMedian applicant income
31Loans originated
2Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 33 | 10.4% | 6.13% | #147 |
| 2024 | 66 | 48 | 4.6% | 6.38% | #128 |
| 2025 | 43 | 31 | 4.7% | 6.25% | #176 |
What Provident Funding Associates lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 13 | 9 | 1 | 7.7% |
| Blaine County | 7 | 5 | 0 | 0.0% |
| Kootenai County | 7 | 4 | 1 | 14.3% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Bonneville County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| Canyon County | 2 | 2 | 0 | 0.0% |
| Twin Falls County | 2 | 1 | 0 | 0.0% |
| Nez Perce 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: 43 applications in 2025, of which 31 were originated and 2 denied.
4.7% of all applications, or 5.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Provident Funding Associates originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Provident Funding Associates'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