Idaho · HMDA 2025
Mortgage lenders in Franklin County, ID
105 lenders reported 771 home-loan applications in Franklin County in 2025. 402 closed as loans ($106.0M), 128 were denied — a 22.5% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 22% of applications, led by AMERICA FIRST Federal Credit Union. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 771
- Loans originated
- 402
- Purchase / refinance
- 168 / 144
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 68 | 8.8% | 22.5% |
| 2 | Mountain America Federal Credit Union 56 out of 100, Moderate | 50 | 6.5% | 45.0% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 49 | 6.4% | — |
| 4 | GOLDENWEST | 46 | 6.0% | — |
| 5 | Glacier Bank 68 out of 100, Moderate | 43 | 5.6% | 20.0% |
| 6 | GUILD MORTGAGE COMPANY | 42 | 5.4% | — |
| 7 | Rocket Mortgage, LLC | 32 | 4.2% | — |
| 8 | THE LOAN STORE, INC. | 23 | 3.0% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 22 | 2.9% | — |
| 10 | NEWREZ LLC | 21 | 2.7% | — |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 21 | 2.7% | 39.5% |
| 12 | Bank of Utah | 18 | 2.3% | — |
| 13 | Cache Valley Bank 73 out of 100, Strong | 15 | 1.9% | 0.9% |
| 14 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 14 | 1.8% | 30.7% |
| 15 | ADVANTAGE PLUS | 13 | 1.7% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 11 | 1.4% | 14.1% |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 1.4% | — |
| 18 | FIGURE LENDING LLC | 11 | 1.4% | — |
| 19 | KIND LENDING, LLC | 11 | 1.4% | — |
| 20 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 10 | 1.3% | 17.8% |
| 21 | NATIONSTAR MORTGAGE LLC | 10 | 1.3% | — |
| 22 | Mortgage Research Center, LLC | 9 | 1.2% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 9 | 1.2% | — |
| 24 | PHH Mortgage Corporation | 9 | 1.2% | — |
| 25 | AmeriSave Mortgage Corporation | 8 | 1.0% | — |
| 26 | AMERICAN FINANCIAL NETWORK, INC. | 8 | 1.0% | — |
| 27 | INTERCAP LENDING INC. | 8 | 1.0% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.8% | 32.9% |
| 29 | Paramount Residential Mortgage Group, Inc. | 6 | 0.8% | — |
| 30 | FIRST COLONY MORTGAGE CORPORATION | 6 | 0.8% | — |
| 31 | UNION HOME MORTGAGE CORP. | 6 | 0.8% | — |
| 32 | Coastal Community Bank 35 out of 100, Low | 6 | 0.8% | 3.0% |
| 33 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 0.6% | — |
| 34 | WESTMARK Credit Union 57 out of 100, Moderate | 5 | 0.6% | 20.0% |
| 35 | AMERICAN FINANCING CORPORATION | 5 | 0.6% | — |
| 36 | AgWest Farm Credit, FLCA | 5 | 0.6% | — |
| 37 | Loandepot.Com, LLC | 4 | 0.5% | — |
| 38 | Broker Solutions, Inc. | 4 | 0.5% | — |
| 39 | Loan Funder LLC | 4 | 0.5% | — |
| 40 | AMERICAN FINANCIAL RESOURCES, INC. | 4 | 0.5% | — |
Top 40 of 105 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