Idaho · HMDA 2025
Mortgage lenders in Gooding County, ID
94 lenders reported 618 home-loan applications in Gooding County in 2025. 312 closed as loans ($67.1M), 105 were denied — a 23.5% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 28% of applications, led by IDAHO CENTRAL CREDIT UNION. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 618
- Loans originated
- 312
- Purchase / refinance
- 149 / 94
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gooding County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 73 | 11.8% | 17.8% |
| 2 | PREMIER MORTGAGE RESOURCES, L.L.C. | 49 | 7.9% | — |
| 3 | First Federal Savings Bank of Twin Falls | 48 | 7.8% | — |
| 4 | GUILD MORTGAGE COMPANY | 35 | 5.7% | — |
| 5 | PIONEER FEDERAL CREDIT UNION 60 out of 100, Moderate | 32 | 5.2% | 9.0% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 29 | 4.7% | — |
| 7 | Rocket Mortgage, LLC | 29 | 4.7% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 19 | 3.1% | — |
| 9 | NEWREZ LLC | 16 | 2.6% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 2.6% | 14.1% |
| 11 | MOVEMENT MORTGAGE, LLC | 16 | 2.6% | — |
| 12 | PLANET HOME LENDING, LLC | 15 | 2.4% | — |
| 13 | Mountain America Federal Credit Union 56 out of 100, Moderate | 15 | 2.4% | 45.0% |
| 14 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 2.3% | 39.5% |
| 15 | AmeriSave Mortgage Corporation | 12 | 1.9% | — |
| 16 | Umpqua Bank 64 out of 100, Moderate | 11 | 1.8% | 28.5% |
| 17 | Mortgage Research Center, LLC | 9 | 1.5% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 8 | 1.3% | — |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | 1.1% | — |
| 20 | Loandepot.Com, LLC | 7 | 1.1% | — |
| 21 | GUARANTEED RATE, INC. | 7 | 1.1% | — |
| 22 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 7 | 1.1% | 2.2% |
| 23 | NFM, INC. | 7 | 1.1% | — |
| 24 | Coastal Community Bank 35 out of 100, Low | 7 | 1.1% | 3.0% |
| 25 | WESTMARK Credit Union 57 out of 100, Moderate | 6 | 1.0% | 20.0% |
| 26 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 6 | 1.0% | 30.7% |
| 27 | SPRING EQ, LLC | 5 | 0.8% | — |
| 28 | Broker Solutions, Inc. | 4 | 0.6% | — |
| 29 | D. L. EVANS BANK | 4 | 0.6% | — |
| 30 | FARMERS BANK 88 out of 100, Very strong | 4 | 0.6% | 9.4% |
| 31 | FIGURE LENDING LLC | 4 | 0.6% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.5% | — |
| 33 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 3 | 0.5% | 22.5% |
| 34 | NATIONSTAR MORTGAGE LLC | 3 | 0.5% | — |
| 35 | Equity Prime Mortgage LLC | 3 | 0.5% | — |
| 36 | AgWest Farm Credit, FLCA | 3 | 0.5% | — |
| 37 | KIND LENDING, LLC | 3 | 0.5% | — |
| 38 | MORTGAGE MANAGEMENT CONSULTANTS, INC. | 3 | 0.5% | — |
| 39 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.5% | — |
| 40 | 21st Mortgage Corporation | 2 | 0.3% | — |
Top 40 of 94 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