Idaho · HMDA 2025
Mortgage lenders in Bear Lake County, ID
98 lenders reported 339 home-loan applications in Bear Lake County in 2025. 160 closed as loans ($51.9M), 60 were denied — a 25.3% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 20% of applications, led by AMERICA FIRST Federal Credit Union. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 339
- Loans originated
- 160
- Purchase / refinance
- 66 / 66
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bear Lake County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 24 | 7.1% | 22.5% |
| 2 | ADVANTAGE PLUS | 24 | 7.1% | — |
| 3 | Rocket Mortgage, LLC | 21 | 6.2% | — |
| 4 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 21 | 6.2% | 30.7% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 4.4% | — |
| 6 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 14 | 4.1% | 17.8% |
| 7 | Mountain America Federal Credit Union 56 out of 100, Moderate | 14 | 4.1% | 45.0% |
| 8 | GUILD MORTGAGE COMPANY | 9 | 2.7% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 2.7% | 39.5% |
| 10 | Glacier Bank 68 out of 100, Moderate | 8 | 2.4% | 20.0% |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 2.1% | 14.1% |
| 12 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 1.8% | 32.5% |
| 13 | Loandepot.Com, LLC | 6 | 1.8% | — |
| 14 | PENNYMAC LOAN SERVICES, LLC | 6 | 1.8% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 1.5% | — |
| 16 | SUMMIT FUNDING, INC. | 5 | 1.5% | — |
| 17 | BETTER MORTGAGE CORPORATION | 5 | 1.5% | — |
| 18 | NEWREZ LLC | 4 | 1.2% | — |
| 19 | Fairway Independent Mortgage Corporation | 4 | 1.2% | — |
| 20 | Discover Bank | 4 | 1.2% | — |
| 21 | THE LOAN STORE, INC. | 4 | 1.2% | — |
| 22 | INTERCAP LENDING INC. | 4 | 1.2% | — |
| 23 | EAST IDAHO Credit Union | 4 | 1.2% | — |
| 24 | VAN DYK MORTGAGE CORPORATION | 4 | 1.2% | — |
| 25 | USAA Federal Savings Bank 64 out of 100, Moderate | 4 | 1.2% | 37.2% |
| 26 | CMG MORTGAGE, INC. | 3 | 0.9% | — |
| 27 | Broker Solutions, Inc. | 3 | 0.9% | — |
| 28 | AmeriSave Mortgage Corporation | 3 | 0.9% | — |
| 29 | FIGURE LENDING LLC | 3 | 0.9% | — |
| 30 | Cache Valley Bank 73 out of 100, Strong | 3 | 0.9% | 0.9% |
| 31 | WESTMARK Credit Union 57 out of 100, Moderate | 3 | 0.9% | 20.0% |
| 32 | GOLDENWEST | 3 | 0.9% | — |
| 33 | Bank of Utah | 3 | 0.9% | — |
| 34 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.9% | — |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.6% | 22.2% |
| 36 | GUARANTEED RATE, INC. | 2 | 0.6% | — |
| 37 | Mortgage Research Center, LLC | 2 | 0.6% | — |
| 38 | Citadel Servicing Corporation | 2 | 0.6% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.6% | — |
| 40 | T2 FINANCIAL LLC | 2 | 0.6% | — |
Top 40 of 98 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Idaho
- Ada County 27,606 apps
- Canyon County 15,449 apps
- Kootenai County 10,451 apps
- Bonneville County 6,658 apps
- Twin Falls County 4,638 apps
- Bannock County 4,192 apps
- Bonner County 3,139 apps
- Bingham County 2,229 apps
- Jefferson County 1,848 apps
- Elmore County 1,741 apps
- Nez Perce County 1,664 apps
- Payette County 1,570 apps