SmartFi Home Loans in Idaho vs the state
6.3%Denial rate-8.20 pts vs state
6.7%Decision denial rate-10.85 pts vs state
87.5%Origination rate+24.48 pts vs state
8.99%Median rate+2.36 pts vs state
—Rate spread (pts)
$50kMedian applicant income
14Loans originated
1Denied
What SmartFi Home Loans lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 5 | 4 | 0 | 0.0% |
| Canyon County | 3 | 3 | 0 | 0.0% |
| Bannock County | 1 | 1 | 0 | 0.0% |
| Bear Lake County | 1 | 1 | 0 | 0.0% |
| Kootenai County | 1 | 1 | 0 | 0.0% |
| Boise County | 1 | 1 | 0 | 0.0% |
| Blaine County | 1 | 1 | 0 | 0.0% |
| Twin Falls County | 1 | 1 | 0 | 0.0% |
| Lemhi County | 1 | 0 | 1 | 100.0% |
| Payette 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: 16 applications in 2025, of which 14 were originated and 1 denied.
6.3% of all applications, or 6.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans SmartFi Home Loans originated in Idaho in 2025 was 8.99%, against a statewide median of 6.63%.
About this data. Figures are SmartFi Home Loans'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