U.S. Bank in Idaho vs the state
28.6%Denial rate+14.15 pts vs state
33.9%Decision denial rate+16.42 pts vs state
54.6%Origination rate-8.42 pts vs state
7.35%Median rate+0.72 pts vs state
0.52Rate spread (pts)+0.37 pts vs state
$113kMedian applicant income
1,180Loans originated
618Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,191 | 1,127 | 32.7% | 8.20% | #5 |
| 2024 | 2,203 | 1,162 | 31.2% | 8.15% | #5 |
| 2025 | 2,161 | 1,180 | 28.6% | 7.35% | #7 |
What U.S. Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 615 | 363 | 147 | 23.9% |
| Canyon County | 292 | 161 | 87 | 29.8% |
| Kootenai County | 204 | 123 | 50 | 24.5% |
| Twin Falls County | 94 | 54 | 26 | 27.7% |
| Bonner County | 85 | 45 | 24 | 28.2% |
| Teton County | 83 | 43 | 28 | 33.7% |
| Bonneville County | 73 | 39 | 20 | 27.4% |
| Valley County | 65 | 37 | 17 | 26.2% |
| Blaine County | 63 | 35 | 20 | 31.7% |
| Nez Perce County | 49 | 22 | 20 | 40.8% |
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% |
| 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: 2,161 applications in 2025, of which 1,180 were originated and 618 denied.
28.6% of all applications, or 33.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans U.S. Bank originated in Idaho in 2025 was 7.35%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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