T2 Financial in Idaho vs the state
0.0%Denial rate-14.45 pts vs state
0.0%Decision denial rate-17.52 pts vs state
90.0%Origination rate+26.98 pts vs state
7.25%Median rate+0.63 pts vs state
0.33Rate spread (pts)+0.18 pts vs state
$137kMedian applicant income
9Loans originated
0Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 36 | 14.3% | 6.75% | #138 |
| 2024 | 58 | 45 | 5.2% | 6.75% | #139 |
| 2025 | 10 | 9 | 0.0% | 7.25% | #269 |
What T2 Financial lends in Idaho
By loan purpose
By loan type
Where in Idaho
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 3 | 3 | 0 | 0.0% |
| Bear Lake County | 2 | 2 | 0 | 0.0% |
| Bonner County | 1 | 1 | 0 | 0.0% |
| Shoshone County | 1 | 1 | 0 | 0.0% |
| Twin Falls County | 1 | 1 | 0 | 0.0% |
| Lemhi County | 1 | 0 | 0 | 0.0% |
| Canyon County | 1 | 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: 10 applications in 2025, of which 9 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans T2 Financial originated in Idaho in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are T2 Financial'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