USAA Federal Savings Bank in Idaho vs the state
27.8%Denial rate+13.33 pts vs state
42.4%Decision denial rate+24.85 pts vs state
36.7%Origination rate-26.35 pts vs state
6.38%Median rate-0.25 pts vs state
-0.22Rate spread (pts)-0.38 pts vs state
$138kMedian applicant income
66Loans originated
50Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 66 | 20.7% | 6.25% | #89 |
| 2024 | 172 | 68 | 22.1% | 6.31% | #84 |
| 2025 | 180 | 66 | 27.8% | 6.38% | #89 |
What USAA Federal Savings Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 44 | 14 | 11 | 25.0% |
| Canyon County | 28 | 11 | 7 | 25.0% |
| Kootenai County | 22 | 3 | 9 | 40.9% |
| Bonner County | 14 | 7 | 2 | 14.3% |
| Bonneville County | 9 | 5 | 2 | 22.2% |
| Twin Falls County | 7 | 2 | 2 | 28.6% |
| Elmore County | 5 | 2 | 2 | 40.0% |
| Bear Lake County | 4 | 1 | 1 | 25.0% |
| Bannock County | 4 | 3 | 1 | 25.0% |
| Clearwater County | 3 | 1 | 1 | 33.3% |
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: 180 applications in 2025, of which 66 were originated and 50 denied.
27.8% of all applications, or 42.4% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans USAA Federal Savings Bank originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are USAA Federal Savings 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