Idaho’s FHA denial rate in 2025 was 14.8% across 8,661 decisioned applications — ranking #52 of 52 states. Among high-volume lenders, the lowest observed denial rate was Evergreen Moneysource Mortgage C at 0.6%; the highest was Mutual Of Omaha Mortgage at 24.3%. The institutional spread inside Idaho is 40.5×: the same FHA application faces a 0.6% observed denial rate at one high-volume door and 24.3% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Idaho FHA apps | Denial rate |
|---|---|---|
| Evergreen Moneysource Mortgage C | 171 | 0.6% |
| Eagle Bank And Trust Company | 134 | 1.5% |
| Movement Mortgage, LLC | 169 | 3.0% |
| Guild Mortgage Company | 403 | 4.5% |
| Premier Mortgage Resources, LLC | 720 | 4.7% |
| American Pacific Mortgage Corpor | 215 | 6.5% |
| Planet Home Lending, LLC | 140 | 7.1% |
| Synergy One Lending, Inc. | 167 | 9.6% |
| Fairway Independent Mort Corp | 188 | 10.1% |
| United Wholesale Mortgage | 699 | 16.7% |
| Idaho Central Credit Union | 432 | 16.9% |
| Loandepot.Com LLC | 298 | 18.5% |
| Freedom Mortgage Corporation | 218 | 20.6% |
| Rocket Mortgage | 476 | 23.5% |
| Mutual Of Omaha Mortgage | 148 | 24.3% |
Applications under $150K were denied 38.3% of the time versus 12.0% for loans of $250K+ — a 3.2× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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