Zillow Home Loans in Idaho vs the state
5.6%Denial rate-8.89 pts vs state
10.0%Decision denial rate-7.52 pts vs state
50.0%Origination rate-13.02 pts vs state
6.38%Median rate-0.25 pts vs state
0.16Rate spread (pts)0.00 pts vs state
$86kMedian applicant income
9Loans originated
1Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 19 | 4.2% | 6.50% | #189 |
| 2024 | 30 | 19 | 6.7% | 6.63% | #189 |
| 2025 | 18 | 9 | 5.6% | 6.38% | #230 |
What Zillow Home Loans lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 5 | 0 | 0 | 0.0% |
| Bonneville County | 4 | 2 | 0 | 0.0% |
| Kootenai County | 2 | 2 | 0 | 0.0% |
| Bingham County | 1 | 1 | 0 | 0.0% |
| Latah County | 1 | 1 | 0 | 0.0% |
| Ada County | 1 | 0 | 1 | 100.0% |
| Power County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Gem County | 1 | 1 | 0 | 0.0% |
| Twin Falls County | 1 | 1 | 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: 18 applications in 2025, of which 9 were originated and 1 denied.
5.6% of all applications, or 10.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Zillow Home Loans originated in Idaho in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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