HMDA 2025
Mortgage lenders in Idaho
Lenders reported 100,714 home-loan applications for properties in Idaho in 2025; 56,584 became loans and the denial rate on decided applications was 17.5%. The busiest county was Ada County with 27,606 applications.
Most active lenders across Idaho's counties
- IDAHO CENTRAL CREDIT UNION 15,644 applications
- Rocket Mortgage, LLC 4,432 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 3,950 applications
- PENNYMAC LOAN SERVICES, LLC 3,941 applications
- PREMIER MORTGAGE RESOURCES, L.L.C. 2,488 applications
- GUILD MORTGAGE COMPANY 2,300 applications
- U.S. Bank National Association 2,290 applications
- Mountain America Federal Credit Union 2,271 applications
- JPMorgan Chase Bank, National Association 2,119 applications
- NEWREZ LLC 1,757 applications
- FREEDOM MORTGAGE CORPORATION 1,669 applications
- Loandepot.Com, LLC 1,614 applications
- Glacier Bank 1,308 applications
- WESTMARK Credit Union 1,244 applications
- Mortgage Research Center, LLC 1,144 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Ada County | 27,606 | 406 | 14.4% | 8,653 / 4,126 |
| Adams County | 232 | 80 | 19.6% | 55 / 38 |
| Bannock County | 4,192 | 200 | 17.9% | 1,217 / 721 |
| Bear Lake County | 339 | 98 | 25.3% | 66 / 66 |
| Benewah County | 444 | 91 | 23.8% | 98 / 96 |
| Bingham County | 2,229 | 160 | 20.7% | 549 / 374 |
| Blaine County | 1,165 | 158 | 23.3% | 281 / 216 |
| Boise County | 740 | 131 | 20.6% | 200 / 128 |
| Bonner County | 3,139 | 238 | 22.7% | 660 / 553 |
| Bonneville County | 6,658 | 225 | 16.9% | 1,904 / 978 |
| Boundary County | 606 | 109 | 19.4% | 121 / 125 |
| Butte County | 105 | 38 | 26.7% | 29 / 15 |
| Camas County | 97 | 42 | 25.0% | 26 / 15 |
| Canyon County | 15,449 | 321 | 16.3% | 5,112 / 2,208 |
| Caribou County | 316 | 67 | 20.9% | 79 / 54 |
| Cassia County | 1,061 | 116 | 21.8% | 264 / 175 |
| Clark County | 18 | 12 | 18.2% | 6 / 1 |
| Clearwater County | 386 | 84 | 25.3% | 88 / 78 |
| Custer County | 194 | 70 | 28.6% | 50 / 24 |
| Elmore County | 1,741 | 150 | 18.9% | 515 / 292 |
| Franklin County | 771 | 105 | 22.5% | 168 / 144 |
| Fremont County | 866 | 135 | 20.7% | 200 / 147 |
| Gem County | 1,156 | 164 | 20.5% | 325 / 172 |
| Gooding County | 618 | 94 | 23.5% | 149 / 94 |
| Idaho County | 580 | 99 | 16.7% | 133 / 148 |
| Jefferson County | 1,848 | 160 | 18.9% | 468 / 289 |
| Jerome County | 1,065 | 100 | 21.0% | 343 / 152 |
| Kootenai County | 10,451 | 314 | 17.3% | 2,830 / 1,800 |
| Latah County | 1,191 | 117 | 15.3% | 335 / 257 |
| Lemhi County | 279 | 78 | 16.8% | 63 / 67 |
| Lewis County | 134 | 49 | 16.5% | 26 / 27 |
| Lincoln County | 224 | 54 | 25.6% | 62 / 33 |
| Madison County | 1,326 | 129 | 19.3% | 354 / 169 |
| Minidoka County | 1,084 | 111 | 21.8% | 312 / 171 |
| Nez Perce County | 1,664 | 138 | 16.4% | 467 / 354 |
| Oneida County | 300 | 75 | 23.1% | 68 / 56 |
| Owyhee County | 494 | 110 | 20.4% | 129 / 86 |
| Payette County | 1,570 | 162 | 18.0% | 439 / 274 |
| Power County | 273 | 63 | 31.0% | 47 / 39 |
| Shoshone County | 801 | 116 | 26.6% | 218 / 107 |
| Teton County | 954 | 147 | 22.1% | 224 / 155 |
| Twin Falls County | 4,638 | 189 | 18.8% | 1,400 / 722 |
| Valley County | 1,203 | 181 | 19.1% | 331 / 206 |
| Washington County | 507 | 97 | 21.3% | 136 / 78 |