Traditional Mortgage Acceptance in Idaho vs the state
5.0%Denial rate-9.45 pts vs state
5.7%Decision denial rate-11.81 pts vs state
80.0%Origination rate+16.98 pts vs state
5.88%Median rate-0.75 pts vs state
—Rate spread (pts)
$28kMedian applicant income
32Loans originated
2Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 34 | 4.8% | 7.18% | #157 |
| 2024 | 30 | 26 | 3.3% | 6.66% | #186 |
| 2025 | 40 | 32 | 5.0% | 5.88% | #182 |
What Traditional Mortgage Acceptance lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 10 | 8 | 1 | 10.0% |
| Ada County | 9 | 8 | 0 | 0.0% |
| Kootenai County | 5 | 3 | 0 | 0.0% |
| Gem County | 2 | 1 | 1 | 50.0% |
| Caribou County | 2 | 2 | 0 | 0.0% |
| Nez Perce County | 2 | 2 | 0 | 0.0% |
| Boundary County | 1 | 1 | 0 | 0.0% |
| Benewah County | 1 | 1 | 0 | 0.0% |
| Bingham County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 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: 40 applications in 2025, of which 32 were originated and 2 denied.
5.0% of all applications, or 5.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Traditional Mortgage Acceptance originated in Idaho in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Traditional Mortgage Acceptance'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