Washington State Employees Credit Union in Idaho vs the state
46.8%Denial rate+32.36 pts vs state
52.4%Decision denial rate+34.86 pts vs state
40.4%Origination rate-22.59 pts vs state
7.24%Median rate+0.62 pts vs state
0.54Rate spread (pts)+0.39 pts vs state
$118kMedian applicant income
19Loans originated
22Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 21 | 46.5% | 7.38% | #154 |
| 2024 | 35 | 16 | 42.9% | 7.40% | #172 |
| 2025 | 47 | 19 | 46.8% | 7.24% | #166 |
What Washington State Employees Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Washington State Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Latah County | 18 | 6 | 8 | 44.4% |
| Kootenai County | 15 | 8 | 6 | 40.0% |
| Bonner County | 5 | 2 | 3 | 60.0% |
| Nez Perce County | 2 | 1 | 1 | 50.0% |
| Twin Falls County | 1 | 0 | 1 | 100.0% |
| Bonneville County | 1 | 0 | 0 | 0.0% |
| Ada County | 1 | 0 | 1 | 100.0% |
| Valley County | 1 | 1 | 0 | 0.0% |
| Shoshone County | 1 | 1 | 0 | 0.0% |
| Jefferson 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: 47 applications in 2025, of which 19 were originated and 22 denied.
46.8% of all applications, or 52.4% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Washington State Employees Credit Union originated in Idaho in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are Washington State Employees 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