RCN Capital in Idaho vs the state
76.5%Denial rate+62.02 pts vs state
76.5%Decision denial rate+58.95 pts vs state
23.5%Origination rate-39.49 pts vs state
7.54%Median rate+0.91 pts vs state
—Rate spread (pts)
—Median applicant income
4Loans originated
13Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 5 | 12.5% | 7.45% | #213 |
| 2024 | 7 | 0 | 28.6% | — | #285 |
| 2025 | 17 | 4 | 76.5% | 7.54% | #231 |
What RCN Capital lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
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: 17 applications in 2025, of which 4 were originated and 13 denied.
76.5% of all applications, or 76.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans RCN Capital originated in Idaho in 2025 was 7.54%, against a statewide median of 6.63%.
About this data. Figures are RCN Capital'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