WESTMARK Credit Union in Idaho vs the state
15.8%Denial rate+1.32 pts vs state
19.2%Decision denial rate+1.65 pts vs state
65.3%Origination rate+2.26 pts vs state
6.99%Median rate+0.37 pts vs state
-0.21Rate spread (pts)-0.36 pts vs state
$108kMedian applicant income
803Loans originated
194Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,194 | 667 | 26.3% | 6.50% | #12 |
| 2024 | 1,106 | 644 | 23.6% | 6.99% | #12 |
| 2025 | 1,230 | 803 | 15.8% | 6.99% | #12 |
What WESTMARK Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most WESTMARK Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bonneville County | 403 | 295 | 41 | 10.2% |
| Canyon County | 175 | 103 | 37 | 21.1% |
| Ada County | 175 | 104 | 33 | 18.9% |
| Bingham County | 101 | 64 | 20 | 19.8% |
| Jefferson County | 78 | 50 | 11 | 14.1% |
| Bannock County | 77 | 53 | 8 | 10.4% |
| Twin Falls County | 74 | 45 | 17 | 23.0% |
| Fremont County | 12 | 9 | 1 | 8.3% |
| Elmore County | 12 | 8 | 3 | 25.0% |
| Payette County | 12 | 9 | 1 | 8.3% |
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: 1,230 applications in 2025, of which 803 were originated and 194 denied.
15.8% of all applications, or 19.2% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans WESTMARK Credit Union originated in Idaho in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are WESTMARK 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