Sunflower Bank in Idaho vs the state
1.7%Denial rate-12.71 pts vs state
2.2%Decision denial rate-15.29 pts vs state
75.9%Origination rate+12.92 pts vs state
6.49%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.02 pts vs state
$120kMedian applicant income
262Loans originated
6Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 272 | 204 | 2.9% | 6.75% | #61 |
| 2024 | 351 | 250 | 1.4% | 6.63% | #55 |
| 2025 | 345 | 262 | 1.7% | 6.49% | #65 |
What Sunflower Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Sunflower Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 130 | 100 | 1 | 0.8% |
| Canyon County | 94 | 72 | 1 | 1.1% |
| Kootenai County | 44 | 35 | 2 | 4.5% |
| Bonner County | 16 | 10 | 0 | 0.0% |
| Gem County | 11 | 10 | 0 | 0.0% |
| Valley County | 6 | 4 | 0 | 0.0% |
| Owyhee County | 6 | 4 | 0 | 0.0% |
| Shoshone County | 6 | 2 | 0 | 0.0% |
| Payette County | 6 | 6 | 0 | 0.0% |
| Elmore County | 6 | 6 | 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: 345 applications in 2025, of which 262 were originated and 6 denied.
1.7% of all applications, or 2.2% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Sunflower Bank originated in Idaho in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Sunflower 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