Residential Mortgage in Idaho vs the state
14.7%Denial rate+0.26 pts vs state
19.6%Decision denial rate+2.09 pts vs state
58.8%Origination rate-4.20 pts vs state
6.62%Median rate0.00 pts vs state
0.22Rate spread (pts)+0.06 pts vs state
$93kMedian applicant income
40Loans originated
10Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 4 | 12.5% | 6.87% | #270 |
| 2024 | 61 | 31 | 14.8% | 6.38% | #133 |
| 2025 | 68 | 40 | 14.7% | 6.62% | #143 |
What Residential Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 32 | 19 | 8 | 25.0% |
| Twin Falls County | 14 | 6 | 2 | 14.3% |
| Canyon County | 9 | 7 | 0 | 0.0% |
| Kootenai County | 4 | 2 | 0 | 0.0% |
| Valley County | 2 | 1 | 0 | 0.0% |
| Gem County | 2 | 2 | 0 | 0.0% |
| Boise County | 1 | 1 | 0 | 0.0% |
| Blaine County | 1 | 0 | 0 | 0.0% |
| Jerome County | 1 | 1 | 0 | 0.0% |
| Nez Perce County | 1 | 0 | 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: 68 applications in 2025, of which 40 were originated and 10 denied.
14.7% of all applications, or 19.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Residential Mortgage originated in Idaho in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are 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