Sofi Bank in Idaho vs the state
11.5%Denial rate-2.99 pts vs state
23.6%Decision denial rate+6.05 pts vs state
36.5%Origination rate-26.49 pts vs state
7.79%Median rate+1.17 pts vs state
1.78Rate spread (pts)+1.63 pts vs state
$124kMedian applicant income
118Loans originated
37Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 9 | 12.0% | 6.25% | #186 |
| 2024 | 58 | 22 | 17.2% | 7.50% | #138 |
| 2025 | 323 | 118 | 11.5% | 7.79% | #72 |
What Sofi Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 119 | 52 | 9 | 7.6% |
| Kootenai County | 34 | 13 | 4 | 11.8% |
| Canyon County | 30 | 9 | 4 | 13.3% |
| Bonneville County | 23 | 7 | 0 | 0.0% |
| Twin Falls County | 18 | 8 | 2 | 11.1% |
| Bonner County | 9 | 2 | 1 | 11.1% |
| Bannock County | 8 | 3 | 4 | 50.0% |
| Gem County | 7 | 1 | 3 | 42.9% |
| Elmore County | 7 | 1 | 1 | 14.3% |
| Shoshone County | 6 | 2 | 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: 323 applications in 2025, of which 118 were originated and 37 denied.
11.5% of all applications, or 23.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Sofi Bank originated in Idaho in 2025 was 7.79%, against a statewide median of 6.63%.
About this data. Figures are Sofi Bank'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