The Bank of Commerce in Idaho vs the state
3.7%Denial rate-10.77 pts vs state
4.8%Decision denial rate-12.71 pts vs state
72.1%Origination rate+9.04 pts vs state
—Median rate
—Rate spread (pts)
$133kMedian applicant income
98Loans originated
5Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 67 | 10.4% | — | #94 |
| 2024 | 109 | 77 | 11.9% | — | #109 |
| 2025 | 136 | 98 | 3.7% | — | #105 |
What The Bank of Commerce lends in Idaho
By loan purpose
By loan type
Where in Idaho
Counties with the most The Bank of Commerce applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bonneville County | 41 | 32 | 0 | 0.0% |
| Jefferson County | 21 | 16 | 1 | 4.8% |
| Fremont County | 18 | 8 | 1 | 5.6% |
| Bannock County | 12 | 9 | 1 | 8.3% |
| Bingham County | 11 | 7 | 0 | 0.0% |
| Teton County | 10 | 7 | 0 | 0.0% |
| Madison County | 7 | 4 | 2 | 28.6% |
| Power County | 4 | 4 | 0 | 0.0% |
| Minidoka County | 3 | 3 | 0 | 0.0% |
| Lemhi County | 2 | 2 | 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: 136 applications in 2025, of which 98 were originated and 5 denied.
3.7% of all applications, or 4.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Bank of Commerce'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