Union Home Mortgage in Idaho vs the state
5.0%Denial rate-9.45 pts vs state
6.5%Decision denial rate-11.07 pts vs state
70.0%Origination rate+6.98 pts vs state
6.44%Median rate-0.19 pts vs state
0.23Rate spread (pts)+0.08 pts vs state
$122kMedian applicant income
112Loans originated
8Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 10 | 13.3% | 7.31% | #227 |
| 2024 | 116 | 89 | 3.5% | 6.88% | #104 |
| 2025 | 160 | 112 | 5.0% | 6.44% | #95 |
What Union Home Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 67 | 48 | 5 | 7.5% |
| Canyon County | 31 | 24 | 0 | 0.0% |
| Franklin County | 6 | 5 | 0 | 0.0% |
| Kootenai County | 5 | 3 | 0 | 0.0% |
| Madison County | 5 | 3 | 0 | 0.0% |
| Valley County | 4 | 2 | 0 | 0.0% |
| Twin Falls County | 3 | 2 | 1 | 33.3% |
| Boundary County | 3 | 2 | 0 | 0.0% |
| Payette County | 3 | 2 | 1 | 33.3% |
| Cassia County | 3 | 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: 160 applications in 2025, of which 112 were originated and 8 denied.
5.0% of all applications, or 6.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Union Home Mortgage originated in Idaho in 2025 was 6.44%, against a statewide median of 6.63%.
About this data. Figures are Union Home Mortgage'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