Waterstone Mortgage in Idaho vs the state
3.0%Denial rate-11.42 pts vs state
3.6%Decision denial rate-13.95 pts vs state
81.4%Origination rate+18.33 pts vs state
6.25%Median rate-0.38 pts vs state
0.28Rate spread (pts)+0.13 pts vs state
$102kMedian applicant income
349Loans originated
13Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 217 | 185 | 0.5% | 6.38% | #71 |
| 2024 | 266 | 214 | 2.3% | 6.63% | #68 |
| 2025 | 429 | 349 | 3.0% | 6.25% | #54 |
What Waterstone Mortgage lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Waterstone Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 186 | 151 | 8 | 4.3% |
| Ada County | 165 | 132 | 4 | 2.4% |
| Gem County | 25 | 22 | 0 | 0.0% |
| Payette County | 16 | 12 | 0 | 0.0% |
| Elmore County | 5 | 4 | 0 | 0.0% |
| Owyhee County | 5 | 5 | 0 | 0.0% |
| Bannock County | 5 | 3 | 1 | 20.0% |
| Washington County | 4 | 3 | 0 | 0.0% |
| Bonneville County | 4 | 3 | 0 | 0.0% |
| Custer County | 4 | 4 | 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: 429 applications in 2025, of which 349 were originated and 13 denied.
3.0% of all applications, or 3.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Waterstone Mortgage originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Waterstone Mortgage'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