Umpqua Bank in Idaho vs the state
24.8%Denial rate+10.34 pts vs state
30.5%Decision denial rate+12.95 pts vs state
54.7%Origination rate-8.36 pts vs state
8.00%Median rate+1.38 pts vs state
1.31Rate spread (pts)+1.16 pts vs state
$97kMedian applicant income
258Loans originated
117Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 454 | 293 | 15.9% | 8.40% | #39 |
| 2024 | 459 | 282 | 14.6% | 8.75% | #39 |
| 2025 | 472 | 258 | 24.8% | 8.00% | #48 |
What Umpqua Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Umpqua Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 117 | 64 | 27 | 23.1% |
| Bonner County | 74 | 45 | 14 | 18.9% |
| Idaho County | 46 | 22 | 12 | 26.1% |
| Nez Perce County | 29 | 15 | 10 | 34.5% |
| Canyon County | 26 | 12 | 8 | 30.8% |
| Ada County | 26 | 15 | 6 | 23.1% |
| Washington County | 21 | 12 | 7 | 33.3% |
| Shoshone County | 20 | 9 | 6 | 30.0% |
| Latah County | 20 | 15 | 3 | 15.0% |
| Valley County | 19 | 9 | 5 | 26.3% |
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: 472 applications in 2025, of which 258 were originated and 117 denied.
24.8% of all applications, or 30.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Umpqua Bank originated in Idaho in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Umpqua 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