Idaho · HMDA 2025
Mortgage lenders in Lincoln County, ID
54 lenders reported 224 home-loan applications in Lincoln County in 2025. 113 closed as loans ($25.4M), 43 were denied — a 25.6% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 29% of applications, led by IDAHO CENTRAL CREDIT UNION. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 224
- Loans originated
- 113
- Purchase / refinance
- 62 / 33
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 29 | 12.9% | 17.8% |
| 2 | Rocket Mortgage, LLC | 19 | 8.5% | — |
| 3 | PREMIER MORTGAGE RESOURCES, L.L.C. | 17 | 7.6% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 7.1% | — |
| 5 | First Federal Savings Bank of Twin Falls | 14 | 6.3% | — |
| 6 | Loandepot.Com, LLC | 8 | 3.6% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 8 | 3.6% | — |
| 8 | D. L. EVANS BANK | 7 | 3.1% | — |
| 9 | PLANET HOME LENDING, LLC | 7 | 3.1% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 2.7% | 14.1% |
| 11 | MOVEMENT MORTGAGE, LLC | 6 | 2.7% | — |
| 12 | Mortgage Research Center, LLC | 6 | 2.7% | — |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | 2.2% | — |
| 14 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 5 | 2.2% | 2.2% |
| 15 | AmeriSave Mortgage Corporation | 4 | 1.8% | — |
| 16 | Mountain America Federal Credit Union 56 out of 100, Moderate | 4 | 1.8% | 45.0% |
| 17 | PIONEER FEDERAL CREDIT UNION 60 out of 100, Moderate | 4 | 1.8% | 9.0% |
| 18 | NEWREZ LLC | 3 | 1.3% | — |
| 19 | FIGURE LENDING LLC | 3 | 1.3% | — |
| 20 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 3 | 1.3% | 22.5% |
| 21 | LAKEVIEW LOAN SERVICING, LLC | 3 | 1.3% | — |
| 22 | UNION HOME MORTGAGE CORP. | 3 | 1.3% | — |
| 23 | Broker Solutions, Inc. | 2 | 0.9% | — |
| 24 | Discover Bank | 2 | 0.9% | — |
| 25 | GUILD MORTGAGE COMPANY | 2 | 0.9% | — |
| 26 | FARMERS BANK 88 out of 100, Very strong | 2 | 0.9% | 9.4% |
| 27 | LADERA LENDING, INC. | 2 | 0.9% | — |
| 28 | WESTMARK Credit Union 57 out of 100, Moderate | 2 | 0.9% | 20.0% |
| 29 | Glacier Bank 68 out of 100, Moderate | 2 | 0.9% | 20.0% |
| 30 | AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | 0.9% | — |
| 31 | NFM, INC. | 2 | 0.9% | — |
| 32 | SCENIC OAKS FUNDING, LLC | 2 | 0.9% | — |
| 33 | BETTER MORTGAGE CORPORATION | 2 | 0.9% | — |
| 34 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 2 | 0.9% | 30.7% |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.4% | 22.2% |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.4% | — |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 1 | 0.4% | — |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.4% | 44.7% |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.4% | — |
| 40 | Operating Engineers Local Union #3 | 1 | 0.4% | — |
Top 40 of 54 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