United Shore Financial Services in Idaho vs the state
9.1%Denial rate-5.37 pts vs state
10.4%Decision denial rate-7.15 pts vs state
77.0%Origination rate+13.98 pts vs state
6.12%Median rate-0.50 pts vs state
-0.05Rate spread (pts)-0.21 pts vs state
$106kMedian applicant income
3,036Loans originated
358Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,749 | 2,193 | 8.2% | 6.38% | #2 |
| 2024 | 3,436 | 2,712 | 9.3% | 6.25% | #2 |
| 2025 | 3,943 | 3,036 | 9.1% | 6.12% | #3 |
What United Shore Financial Services lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 974 | 808 | 60 | 6.2% |
| Canyon County | 636 | 487 | 67 | 10.5% |
| Kootenai County | 371 | 305 | 26 | 7.0% |
| Bonneville County | 236 | 168 | 28 | 11.9% |
| Twin Falls County | 212 | 156 | 22 | 10.4% |
| Bannock County | 179 | 147 | 11 | 6.1% |
| Nez Perce County | 119 | 89 | 12 | 10.1% |
| Latah County | 97 | 79 | 5 | 5.2% |
| Blaine County | 96 | 74 | 11 | 11.5% |
| Bonner County | 93 | 66 | 9 | 9.7% |
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% |
| 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% |
| First Federal Savings Bank of Twin Falls | C | 1,250 | 14.2% | 6.92% |
Frequently asked questions
Idaho: 3,943 applications in 2025, of which 3,036 were originated and 358 denied.
9.1% of all applications, or 10.4% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans United Shore Financial Services originated in Idaho in 2025 was 6.12%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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