Vanderbilt Mortgage and Finance in Idaho vs the state
34.4%Denial rate+19.91 pts vs state
72.7%Decision denial rate+55.21 pts vs state
10.7%Origination rate-52.28 pts vs state
8.75%Median rate+2.13 pts vs state
2.75Rate spread (pts)+2.60 pts vs state
$62kMedian applicant income
35Loans originated
112Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 426 | 45 | 36.9% | 9.50% | #44 |
| 2024 | 358 | 46 | 33.5% | 10.25% | #54 |
| 2025 | 326 | 35 | 34.4% | 8.75% | #71 |
What Vanderbilt Mortgage and Finance lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 83 | 15 | 20 | 24.1% |
| Bannock County | 42 | 5 | 19 | 45.2% |
| Canyon County | 41 | 6 | 13 | 31.7% |
| Twin Falls County | 31 | 0 | 17 | 54.8% |
| Elmore County | 16 | 2 | 4 | 25.0% |
| Gem County | 12 | 2 | 6 | 50.0% |
| Bonneville County | 10 | 1 | 3 | 30.0% |
| Jerome County | 10 | 0 | 5 | 50.0% |
| Minidoka County | 9 | 1 | 2 | 22.2% |
| Cassia County | 9 | 0 | 6 | 66.7% |
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% |
| 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: 326 applications in 2025, of which 35 were originated and 112 denied.
34.4% of all applications, or 72.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Idaho in 2025 was 8.75%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance'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