Wells Fargo Bank in Idaho vs the state
15.1%Denial rate+0.60 pts vs state
22.4%Decision denial rate+4.91 pts vs state
51.7%Origination rate-11.30 pts vs state
6.25%Median rate-0.38 pts vs state
0.09Rate spread (pts)-0.06 pts vs state
$123kMedian applicant income
165Loans originated
48Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 447 | 212 | 23.5% | 6.38% | #40 |
| 2024 | 289 | 138 | 18.0% | 6.44% | #65 |
| 2025 | 319 | 165 | 15.1% | 6.25% | #73 |
What Wells Fargo Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 101 | 58 | 14 | 13.9% |
| Kootenai County | 33 | 12 | 10 | 30.3% |
| Canyon County | 30 | 18 | 6 | 20.0% |
| Bonner County | 16 | 6 | 6 | 37.5% |
| Bonneville County | 15 | 7 | 2 | 13.3% |
| Blaine County | 14 | 7 | 2 | 14.3% |
| Twin Falls County | 12 | 3 | 1 | 8.3% |
| Teton County | 11 | 5 | 1 | 9.1% |
| Boise County | 8 | 5 | 0 | 0.0% |
| Bannock County | 8 | 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: 319 applications in 2025, of which 165 were originated and 48 denied.
15.1% of all applications, or 22.4% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Wells Fargo Bank originated in Idaho in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Wells Fargo 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