Summit Funding in Idaho vs the state
6.4%Denial rate-8.03 pts vs state
9.1%Decision denial rate-8.46 pts vs state
64.2%Origination rate+1.22 pts vs state
6.50%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.26 pts vs state
$96kMedian applicant income
300Loans originated
30Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 407 | 262 | 4.2% | 6.75% | #45 |
| 2024 | 397 | 267 | 5.8% | 6.63% | #47 |
| 2025 | 467 | 300 | 6.4% | 6.50% | #50 |
What Summit Funding lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Summit Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bannock County | 80 | 53 | 6 | 7.5% |
| Bonneville County | 75 | 45 | 3 | 4.0% |
| Ada County | 64 | 48 | 1 | 1.6% |
| Kootenai County | 63 | 51 | 2 | 3.2% |
| Canyon County | 45 | 29 | 3 | 6.7% |
| Bingham County | 25 | 13 | 1 | 4.0% |
| Jefferson County | 21 | 13 | 3 | 14.3% |
| Caribou County | 13 | 10 | 0 | 0.0% |
| Bonner County | 10 | 7 | 1 | 10.0% |
| Teton County | 8 | 2 | 3 | 37.5% |
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: 467 applications in 2025, of which 300 were originated and 30 denied.
6.4% of all applications, or 9.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Summit Funding originated in Idaho in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Summit Funding'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