Spring Eq in Idaho vs the state
47.1%Denial rate+32.63 pts vs state
55.9%Decision denial rate+38.35 pts vs state
34.8%Origination rate-28.24 pts vs state
8.80%Median rate+2.18 pts vs state
2.82Rate spread (pts)+2.66 pts vs state
$108kMedian applicant income
232Loans originated
314Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 0 | 100.0% | — | #148 |
| 2024 | 371 | 120 | 50.9% | 9.20% | #50 |
| 2025 | 667 | 232 | 47.1% | 8.80% | #31 |
What Spring Eq lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Spring Eq applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 202 | 72 | 101 | 50.0% |
| Canyon County | 104 | 45 | 39 | 37.5% |
| Kootenai County | 72 | 28 | 27 | 37.5% |
| Bonneville County | 50 | 18 | 22 | 44.0% |
| Twin Falls County | 35 | 15 | 16 | 45.7% |
| Bonner County | 23 | 5 | 13 | 56.5% |
| Teton County | 16 | 2 | 11 | 68.8% |
| Bannock County | 14 | 3 | 8 | 57.1% |
| Payette County | 14 | 4 | 6 | 42.9% |
| Bingham County | 13 | 6 | 5 | 38.5% |
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: 667 applications in 2025, of which 232 were originated and 314 denied.
47.1% of all applications, or 55.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Spring Eq originated in Idaho in 2025 was 8.80%, against a statewide median of 6.63%.
About this data. Figures are Spring Eq'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