Lender in Idaho · HMDA 2025
Rate mortgages in Idaho
Rate's 2025 home-purchase and refinance lending in Idaho, compared with all lenders in the state.
Rate originated 457 owner-occupied single-family loans in Idaho from 485 completed applications, making it the state's #14 lender by volume.
Its median conventional purchase loan costs were $6,820 versus $7,270 for all Idaho lenders, at a median 30-year fixed rate of 6.625% (Idaho: 6.50%).
Loans in ID
457
of 485 applications
Denial rate
3.0%
Purchase · ID 4.9%
Rate spread
+0.19 pts
Conv. · ID +0.06 pts
Loan amount
$415,000
Purchase · ID $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 367 | 354 | 3.0% | 6.625% | +0.19 pts | $6,820 | $415,000 |
| Refinance | 45 | 40 | 8.9% | — | +0.02 pts | $6,590 | $505,000 |
| Cash-out refinance | 73 | 63 | 13.7% | 6.625% | +0.29 pts | $7,450 | $375,000 |
*Conventional loans only; medians with at least 20 loans.
Idaho counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Blaine County | 6 | 9 | 3.4% |
| Teton County | 7 | 8 | 4.2% |
| Kootenai County | 8 | 115 | 3.7% |
| Ada County | 11 | 172 | 1.9% |
| Bonner County | 11 | 18 | 2.6% |
| Nez Perce County | 14 | 9 | 1.6% |
| Shoshone County | 14 | 5 | 2.3% |
| Boundary County | 14 | 3 | 1.8% |
| Valley County | 14 | 3 | 1.6% |
| Clearwater County | 14 | 2 | 2.0% |
| Latah County | 15 | 5 | 1.3% |
| Lewis County | 18 | 1 | 2.8% |
| Cassia County | 19 | 3 | 1.0% |
| Elmore County | 20 | 5 | 0.9% |
| Boise County | 21 | 3 | 1.7% |
| Bear Lake County | 23 | 1 | 1.5% |
| Canyon County | 24 | 63 | 1.2% |
| Idaho County | 24 | 2 | 1.1% |
| Payette County | 25 | 5 | 1.1% |
| Minidoka County | 25 | 2 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology