Lender in Idaho · HMDA 2025
Summit Funding, Inc. mortgages in Idaho
Summit Funding, Inc.'s 2025 home-purchase and refinance lending in Idaho, compared with all lenders in the state.
Summit Funding, Inc. originated 203 owner-occupied single-family loans in Idaho from 222 completed applications.
Its median conventional purchase loan costs were $11,510 versus $7,270 for all Idaho lenders, at a median 30-year fixed rate of 6.75% (Idaho: 6.50%).
Loans in ID
203
of 222 applications
Denial rate
6.2%
Purchase · ID 4.9%
Rate spread
+0.33 pts
Conv. · ID +0.06 pts
Loan amount
$355,000
Purchase · ID $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 195 | 182 | 6.2% | 6.750% | +0.33 pts | $11,510 | $355,000 |
| Refinance | 14 | 12 | — | — | — | — | — |
| Cash-out refinance | 13 | 9 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Idaho counties where Summit Funding, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Caribou County | 5 | 4 | 4.4% |
| Bannock County | 10 | 33 | 2.6% |
| Jefferson County | 10 | 10 | 1.8% |
| Madison County | 12 | 6 | 1.6% |
| Butte County | 13 | 1 | 2.9% |
| Fremont County | 15 | 3 | 1.9% |
| Bonneville County | 17 | 34 | 1.7% |
| Bingham County | 20 | 7 | 1.2% |
| Kootenai County | 21 | 39 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology