Idaho · HMDA 2025
Mortgage lenders in Idaho County, ID
99 lenders reported 580 home-loan applications in Idaho County in 2025. 345 closed as loans ($84.7M), 74 were denied — a 16.7% denial rate on decided applications, close to the Idaho rate of 17.5%. The three most active lenders handled 34% of applications, led by Freedom Northwest Credit Union. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 580
- Loans originated
- 345
- Purchase / refinance
- 133 / 148
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Idaho County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Freedom Northwest Credit Union 82 out of 100, Strong | 95 | 16.4% | 0.0% |
| 2 | Rocket Mortgage, LLC | 56 | 9.7% | — |
| 3 | Umpqua Bank 64 out of 100, Moderate | 46 | 7.9% | 28.5% |
| 4 | Potlatch No. 1 Financial Credit Union 62 out of 100, Moderate | 36 | 6.2% | 13.4% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 26 | 4.5% | — |
| 6 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 23 | 4.0% | 17.8% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 17 | 2.9% | — |
| 8 | CANOPY MORTGAGE, LLC | 17 | 2.9% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 15 | 2.6% | 39.5% |
| 10 | Fairway Independent Mortgage Corporation | 14 | 2.4% | — |
| 11 | Mortgage Research Center, LLC | 14 | 2.4% | — |
| 12 | Loandepot.Com, LLC | 12 | 2.1% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 12 | 2.1% | — |
| 14 | AmeriSave Mortgage Corporation | 11 | 1.9% | — |
| 15 | PLANET HOME LENDING, LLC | 8 | 1.4% | — |
| 16 | LAND HOME FINANCIAL SERVICES, INC. | 8 | 1.4% | — |
| 17 | KIND LENDING, LLC | 8 | 1.4% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.0% | 14.1% |
| 19 | GUARANTEED RATE, INC. | 6 | 1.0% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 1.0% | — |
| 21 | Broker Solutions, Inc. | 5 | 0.9% | — |
| 22 | GUILD MORTGAGE COMPANY | 5 | 0.9% | — |
| 23 | SUN WEST MORTGAGE COMPANY, INC. | 5 | 0.9% | — |
| 24 | LONGBRIDGE FINANCIAL, LLC | 5 | 0.9% | — |
| 25 | MOVEMENT MORTGAGE, LLC | 4 | 0.7% | — |
| 26 | AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | 0.7% | — |
| 27 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.7% | — |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 4 | 0.7% | — |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.5% | 32.9% |
| 30 | NEWREZ LLC | 3 | 0.5% | — |
| 31 | Synergy One Lending, Inc. | 3 | 0.5% | — |
| 32 | FIGURE LENDING LLC | 3 | 0.5% | — |
| 33 | Mountain America Federal Credit Union 56 out of 100, Moderate | 3 | 0.5% | 45.0% |
| 34 | AMERICAN FINANCING CORPORATION | 3 | 0.5% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 3 | 0.5% | — |
| 36 | Equity Prime Mortgage LLC | 3 | 0.5% | — |
| 37 | DEEPHAVEN MORTGAGE LLC | 3 | 0.5% | — |
| 38 | 21st Mortgage Corporation | 2 | 0.3% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.3% | 22.2% |
| 40 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.3% | — |
Top 40 of 99 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