Usalliance Federal Credit Union in Idaho vs the state
25.9%Denial rate+11.48 pts vs state
28.0%Decision denial rate+10.48 pts vs state
66.7%Origination rate+3.65 pts vs state
8.25%Median rate+1.63 pts vs state
1.09Rate spread (pts)+0.94 pts vs state
$165kMedian applicant income
18Loans originated
7Denied
What Usalliance Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 8 | 4 | 3 | 37.5% |
| Kootenai County | 5 | 5 | 0 | 0.0% |
| Latah County | 3 | 3 | 0 | 0.0% |
| Canyon County | 2 | 0 | 2 | 100.0% |
| Bonneville County | 2 | 1 | 0 | 0.0% |
| Teton County | 1 | 0 | 1 | 100.0% |
| Camas County | 1 | 1 | 0 | 0.0% |
| Boundary County | 1 | 0 | 1 | 100.0% |
| Benewah County | 1 | 1 | 0 | 0.0% |
| Bonner County | 1 | 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: 27 applications in 2025, of which 18 were originated and 7 denied.
25.9% of all applications, or 28.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Usalliance Federal Credit Union originated in Idaho in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Usalliance Federal Credit Union'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