Washington Federal Bank in Idaho vs the state
14.0%Denial rate-0.50 pts vs state
24.0%Decision denial rate+6.48 pts vs state
44.2%Origination rate-18.83 pts vs state
7.38%Median rate+0.75 pts vs state
0.17Rate spread (pts)+0.01 pts vs state
$148kMedian applicant income
19Loans originated
6Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 455 | 194 | 19.8% | 7.75% | #38 |
| 2024 | 333 | 149 | 21.3% | 7.88% | #57 |
| 2025 | 43 | 19 | 14.0% | 7.38% | #175 |
What Washington Federal Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Washington Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 14 | 5 | 3 | 21.4% |
| Canyon County | 5 | 2 | 0 | 0.0% |
| Boise County | 4 | 3 | 0 | 0.0% |
| Payette County | 2 | 1 | 1 | 50.0% |
| Bonner County | 2 | 1 | 0 | 0.0% |
| Caribou County | 2 | 0 | 0 | 0.0% |
| Twin Falls County | 2 | 0 | 0 | 0.0% |
| Gem County | 2 | 1 | 0 | 0.0% |
| Blaine County | 2 | 1 | 1 | 50.0% |
| Bannock County | 2 | 2 | 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: 43 applications in 2025, of which 19 were originated and 6 denied.
14.0% of all applications, or 24.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Washington Federal Bank originated in Idaho in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Washington Federal 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