Utah First in Idaho vs the state
71.4%Denial rate+56.98 pts vs state
83.3%Decision denial rate+65.81 pts vs state
0.0%Origination rate-63.02 pts vs state
—Median rate
—Rate spread (pts)
$133kMedian applicant income
0Loans originated
5Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 1 | 71.4% | 8.00% | #282 |
| 2024 | 6 | 4 | 16.7% | 7.75% | #307 |
| 2025 | 7 | 0 | 71.4% | — | #304 |
What Utah First lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Utah First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oneida County | 2 | 0 | 2 | 100.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Blaine County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
| Valley County | 1 | 0 | 1 | 100.0% |
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: 7 applications in 2025, of which 0 were originated and 5 denied.
71.4% of all applications, or 83.3% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Utah First'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