Idaho · HMDA 2025
Mortgage lenders in Madison County, ID
129 lenders reported 1,326 home-loan applications in Madison County in 2025. 708 closed as loans ($220.6M), 189 were denied — a 19.3% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 39% of applications, led by IDAHO CENTRAL CREDIT UNION. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,326
- Loans originated
- 708
- Purchase / refinance
- 354 / 169
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 216 | 16.3% | 17.8% |
| 2 | BEEHIVE | 196 | 14.8% | — |
| 3 | Mountain America Federal Credit Union 56 out of 100, Moderate | 101 | 7.6% | 45.0% |
| 4 | CANOPY MORTGAGE, LLC | 58 | 4.4% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 54 | 4.1% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 43 | 3.2% | — |
| 7 | Rocket Mortgage, LLC | 35 | 2.6% | — |
| 8 | GOLDENWEST | 31 | 2.3% | — |
| 9 | Synergy One Lending, Inc. | 30 | 2.3% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 2.0% | 14.1% |
| 11 | Citizens Bank, National Association 54 out of 100, Below average | 22 | 1.7% | 32.5% |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 20 | 1.5% | — |
| 13 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 19 | 1.4% | 30.7% |
| 14 | NATIONSTAR MORTGAGE LLC | 18 | 1.4% | — |
| 15 | PHH Mortgage Corporation | 17 | 1.3% | — |
| 16 | NEWREZ LLC | 16 | 1.2% | — |
| 17 | Glacier Bank 68 out of 100, Moderate | 16 | 1.2% | 20.0% |
| 18 | U.S. Bank National Association 55 out of 100, Moderate | 15 | 1.1% | 39.5% |
| 19 | D. L. EVANS BANK | 14 | 1.1% | — |
| 20 | PREMIER MORTGAGE RESOURCES, L.L.C. | 14 | 1.1% | — |
| 21 | KIND LENDING, LLC | 14 | 1.1% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 13 | 1.0% | — |
| 23 | Eagle Bank and Trust Company 83 out of 100, Strong | 13 | 1.0% | 4.9% |
| 24 | GUILD MORTGAGE COMPANY | 12 | 0.9% | — |
| 25 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 12 | 0.9% | 22.5% |
| 26 | AMERITRUST MORTGAGE CORPORATION | 11 | 0.8% | — |
| 27 | CHURCHILL MORTGAGE CORPORATION | 11 | 0.8% | — |
| 28 | WESTMARK Credit Union 57 out of 100, Moderate | 10 | 0.8% | 20.0% |
| 29 | 21st Mortgage Corporation | 9 | 0.7% | — |
| 30 | FIGURE LENDING LLC | 9 | 0.7% | — |
| 31 | ENVOY MORTGAGE, LTD | 9 | 0.7% | — |
| 32 | THE LOAN STORE, INC. | 8 | 0.6% | — |
| 33 | SUMMIT FUNDING, INC. | 8 | 0.6% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.5% | 32.9% |
| 35 | AmeriSave Mortgage Corporation | 7 | 0.5% | — |
| 36 | AMERICAN FINANCING CORPORATION | 7 | 0.5% | — |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 7 | 0.5% | — |
| 38 | The Bank of Commerce 78 out of 100, Strong | 7 | 0.5% | 4.1% |
| 39 | SPRING EQ, LLC | 6 | 0.5% | — |
| 40 | FIRST COLONY MORTGAGE CORPORATION | 6 | 0.5% | — |
Top 40 of 129 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