Right Start Mortgage in Idaho vs the state
6.3%Denial rate-8.20 pts vs state
8.9%Decision denial rate-8.67 pts vs state
64.4%Origination rate+1.36 pts vs state
6.38%Median rate-0.25 pts vs state
0.51Rate spread (pts)+0.36 pts vs state
$92kMedian applicant income
103Loans originated
10Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 136 | 111 | 2.2% | 6.93% | #96 |
| 2025 | 160 | 103 | 6.3% | 6.38% | #96 |
What Right Start Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Right Start Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 119 | 79 | 5 | 4.2% |
| Ada County | 26 | 17 | 3 | 11.5% |
| Valley County | 4 | 3 | 0 | 0.0% |
| Elmore County | 3 | 0 | 1 | 33.3% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Owyhee County | 2 | 1 | 0 | 0.0% |
| Bonneville County | 2 | 0 | 0 | 0.0% |
| Bonner County | 1 | 1 | 0 | 0.0% |
| Gem County | 1 | 0 | 1 | 100.0% |
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: 160 applications in 2025, of which 103 were originated and 10 denied.
6.3% of all applications, or 8.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Right Start Mortgage originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Right Start 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