Spokane Teachers in Idaho vs the state
24.9%Denial rate+10.48 pts vs state
32.7%Decision denial rate+15.16 pts vs state
51.2%Origination rate-11.79 pts vs state
7.49%Median rate+0.87 pts vs state
0.64Rate spread (pts)+0.49 pts vs state
$104kMedian applicant income
374Loans originated
182Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 641 | 390 | 20.6% | 9.24% | #24 |
| 2024 | 571 | 335 | 22.8% | 9.24% | #32 |
| 2025 | 730 | 374 | 24.9% | 7.49% | #28 |
What Spokane Teachers lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Spokane Teachers applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 461 | 270 | 105 | 22.8% |
| Bonner County | 208 | 84 | 62 | 29.8% |
| Latah County | 14 | 6 | 2 | 14.3% |
| Benewah County | 12 | 1 | 3 | 25.0% |
| Shoshone County | 10 | 3 | 3 | 30.0% |
| Ada County | 5 | 1 | 1 | 20.0% |
| Boundary County | 5 | 3 | 2 | 40.0% |
| Nez Perce County | 5 | 0 | 3 | 60.0% |
| Fremont County | 2 | 0 | 1 | 50.0% |
| Twin Falls County | 2 | 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: 730 applications in 2025, of which 374 were originated and 182 denied.
24.9% of all applications, or 32.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Spokane Teachers originated in Idaho in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are Spokane Teachers'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