UBS Bank USA in Idaho vs the state
9.1%Denial rate-5.36 pts vs state
12.1%Decision denial rate-5.40 pts vs state
65.9%Origination rate+2.89 pts vs state
5.88%Median rate-0.75 pts vs state
-0.25Rate spread (pts)-0.40 pts vs state
$432kMedian applicant income
29Loans originated
4Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 18 | 19.2% | 5.69% | #184 |
| 2024 | 17 | 13 | 11.8% | 6.38% | #229 |
| 2025 | 44 | 29 | 9.1% | 5.88% | #171 |
What UBS Bank USA lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most UBS Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 13 | 6 | 1 | 7.7% |
| Blaine County | 8 | 6 | 0 | 0.0% |
| Kootenai County | 7 | 6 | 1 | 14.3% |
| Valley County | 5 | 4 | 0 | 0.0% |
| Teton County | 4 | 3 | 0 | 0.0% |
| Bonner County | 2 | 1 | 1 | 50.0% |
| Bonneville County | 1 | 1 | 0 | 0.0% |
| Twin Falls County | 1 | 0 | 1 | 100.0% |
| Caribou County | 1 | 0 | 0 | 0.0% |
| Franklin 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: 44 applications in 2025, of which 29 were originated and 4 denied.
9.1% of all applications, or 12.1% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans UBS Bank USA originated in Idaho in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are UBS Bank USA'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