Idaho · HMDA 2025
Mortgage lenders in Clearwater County, ID
84 lenders reported 386 home-loan applications in Clearwater County in 2025. 200 closed as loans ($43.7M), 74 were denied — a 25.3% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 30% of applications, led by Potlatch No. 1 Financial Credit Union. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 386
- Loans originated
- 200
- Purchase / refinance
- 88 / 78
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clearwater County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Potlatch No. 1 Financial Credit Union 62 out of 100, Moderate | 48 | 12.4% | 13.4% |
| 2 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 34 | 8.8% | 17.8% |
| 3 | Freedom Northwest Credit Union 82 out of 100, Strong | 33 | 8.5% | 0.0% |
| 4 | Rocket Mortgage, LLC | 27 | 7.0% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 16 | 4.1% | 39.5% |
| 6 | Mortgage Research Center, LLC | 14 | 3.6% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 3.4% | — |
| 8 | Banner Bank 72 out of 100, Strong | 12 | 3.1% | 35.6% |
| 9 | NEWREZ LLC | 10 | 2.6% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 10 | 2.6% | — |
| 11 | 21st Mortgage Corporation | 8 | 2.1% | — |
| 12 | GUARANTEED RATE, INC. | 8 | 2.1% | — |
| 13 | Synergy One Lending, Inc. | 8 | 2.1% | — |
| 14 | LAND HOME FINANCIAL SERVICES, INC. | 8 | 2.1% | — |
| 15 | AMERICAN FINANCING CORPORATION | 7 | 1.8% | — |
| 16 | AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | 1.6% | — |
| 17 | Loandepot.Com, LLC | 5 | 1.3% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 5 | 1.3% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 5 | 1.3% | — |
| 20 | AmeriSave Mortgage Corporation | 4 | 1.0% | — |
| 21 | FIGURE LENDING LLC | 4 | 1.0% | — |
| 22 | Boeing Employees Credit Union 75 out of 100, Strong | 4 | 1.0% | 26.5% |
| 23 | NEW DAY FINANCIAL, LLC | 4 | 1.0% | — |
| 24 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 1.0% | — |
| 25 | CANOPY MORTGAGE, LLC | 4 | 1.0% | — |
| 26 | CMG MORTGAGE, INC. | 3 | 0.8% | — |
| 27 | VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | 0.8% | — |
| 28 | Equity Prime Mortgage LLC | 3 | 0.8% | — |
| 29 | USAA Federal Savings Bank 64 out of 100, Moderate | 3 | 0.8% | 37.2% |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.5% | 32.9% |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.5% | 22.2% |
| 32 | Broker Solutions, Inc. | 2 | 0.5% | — |
| 33 | Discover Bank | 2 | 0.5% | — |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.5% | — |
| 35 | TRIAD FINANCIAL SERVICES, INC. | 2 | 0.5% | — |
| 36 | NBKC BANK | 2 | 0.5% | — |
| 37 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.5% | — |
| 38 | Sierra Pacific Mortgage Company, Inc. | 2 | 0.5% | — |
| 39 | PLANET HOME LENDING, LLC | 2 | 0.5% | — |
| 40 | TOP FLITE FINANCIAL, INC. | 2 | 0.5% | — |
Top 40 of 84 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