Idaho · HMDA 2025
Mortgage lenders in Oneida County, ID
75 lenders reported 300 home-loan applications in Oneida County in 2025. 148 closed as loans ($38.4M), 48 were denied — a 23.1% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 28% of applications, led by GUILD MORTGAGE COMPANY. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 300
- Loans originated
- 148
- Purchase / refinance
- 68 / 56
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oneida County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | GUILD MORTGAGE COMPANY | 35 | 11.7% | — |
| 2 | Mountain America Federal Credit Union 56 out of 100, Moderate | 25 | 8.3% | 45.0% |
| 3 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 23 | 7.7% | 22.5% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 5.0% | — |
| 5 | Rocket Mortgage, LLC | 14 | 4.7% | — |
| 6 | NEWREZ LLC | 12 | 4.0% | — |
| 7 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 10 | 3.3% | 17.8% |
| 8 | GOLDENWEST | 10 | 3.3% | — |
| 9 | INTERCAP LENDING INC. | 10 | 3.3% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 10 | 3.3% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 9 | 3.0% | — |
| 12 | AmeriSave Mortgage Corporation | 6 | 2.0% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 2.0% | 39.5% |
| 14 | The Federal Savings Bank 51 out of 100, Below average | 6 | 2.0% | 19.1% |
| 15 | Cache Valley Bank 73 out of 100, Strong | 5 | 1.7% | 0.9% |
| 16 | AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | 1.7% | — |
| 17 | KIND LENDING, LLC | 5 | 1.7% | — |
| 18 | CANOPY MORTGAGE, LLC | 5 | 1.7% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.3% | — |
| 20 | Bank of Utah | 4 | 1.3% | — |
| 21 | Loandepot.Com, LLC | 3 | 1.0% | — |
| 22 | FIRST COLONY MORTGAGE CORPORATION | 3 | 1.0% | — |
| 23 | CASTLE & COOKE MORTGAGE, LLC | 3 | 1.0% | — |
| 24 | PHH Mortgage Corporation | 3 | 1.0% | — |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.7% | 32.9% |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.7% | 14.1% |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.7% | — |
| 28 | SPRING EQ, LLC | 2 | 0.7% | — |
| 29 | FIGURE LENDING LLC | 2 | 0.7% | — |
| 30 | Connections Credit Union 50 out of 100, Below average | 2 | 0.7% | 0.9% |
| 31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | 0.7% | — |
| 32 | MY MOVE MORTGAGE, LLC | 2 | 0.7% | — |
| 33 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | 0.7% | — |
| 34 | AMERICAN FINANCIAL NETWORK, INC. | 2 | 0.7% | — |
| 35 | UTAH FIRST | 2 | 0.7% | — |
| 36 | CHURCHILL MORTGAGE CORPORATION | 2 | 0.7% | — |
| 37 | PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | 0.7% | — |
| 38 | Glacier Bank 68 out of 100, Moderate | 2 | 0.7% | 20.0% |
| 39 | NATIONSTAR MORTGAGE LLC | 2 | 0.7% | — |
| 40 | UNION HOME MORTGAGE CORP. | 2 | 0.7% | — |
Top 40 of 75 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