The Federal Savings Bank in Idaho vs the state
5.9%Denial rate-8.53 pts vs state
14.3%Decision denial rate-3.23 pts vs state
32.5%Origination rate-30.48 pts vs state
6.25%Median rate-0.38 pts vs state
0.13Rate spread (pts)-0.02 pts vs state
$82kMedian applicant income
55Loans originated
10Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 50 | 10.5% | 6.31% | #90 |
| 2024 | 126 | 48 | 7.1% | 6.25% | #98 |
| 2025 | 169 | 55 | 5.9% | 6.25% | #92 |
What The Federal Savings Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 41 | 13 | 3 | 7.3% |
| Ada County | 32 | 14 | 1 | 3.1% |
| Kootenai County | 16 | 3 | 1 | 6.3% |
| Bonneville County | 14 | 4 | 3 | 21.4% |
| Bannock County | 8 | 2 | 0 | 0.0% |
| Twin Falls County | 7 | 1 | 0 | 0.0% |
| Bonner County | 7 | 2 | 0 | 0.0% |
| Oneida County | 6 | 1 | 0 | 0.0% |
| Payette County | 5 | 0 | 1 | 20.0% |
| Gem County | 4 | 3 | 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: 169 applications in 2025, of which 55 were originated and 10 denied.
5.9% of all applications, or 14.3% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans The Federal Savings Bank originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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