Idaho · HMDA 2025
Mortgage lenders in Owyhee County, ID
110 lenders reported 494 home-loan applications in Owyhee County in 2025. 264 closed as loans ($68.4M), 74 were denied — a 20.4% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 30% of applications, led by IDAHO CENTRAL CREDIT UNION. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 494
- Loans originated
- 264
- Purchase / refinance
- 129 / 86
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Owyhee County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 92 | 18.6% | 17.8% |
| 2 | GUILD MORTGAGE COMPANY | 35 | 7.1% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 23 | 4.7% | — |
| 4 | Rocket Mortgage, LLC | 19 | 3.8% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 19 | 3.8% | 39.5% |
| 6 | MOVEMENT MORTGAGE, LLC | 13 | 2.6% | — |
| 7 | NEWREZ LLC | 11 | 2.2% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 10 | 2.0% | — |
| 9 | PREMIER MORTGAGE RESOURCES, L.L.C. | 10 | 2.0% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.8% | 14.1% |
| 11 | AmeriSave Mortgage Corporation | 9 | 1.8% | — |
| 12 | Mortgage Research Center, LLC | 9 | 1.8% | — |
| 13 | FIGURE LENDING LLC | 9 | 1.8% | — |
| 14 | PIONEER FEDERAL CREDIT UNION 60 out of 100, Moderate | 8 | 1.6% | 9.0% |
| 15 | Fairway Independent Mortgage Corporation | 7 | 1.4% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 7 | 1.4% | — |
| 17 | 21st Mortgage Corporation | 6 | 1.2% | — |
| 18 | Loandepot.Com, LLC | 6 | 1.2% | — |
| 19 | Synergy One Lending, Inc. | 6 | 1.2% | — |
| 20 | Sunflower Bank, National Association 51 out of 100, Below average | 6 | 1.2% | 5.8% |
| 21 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 6 | 1.2% | — |
| 22 | Mountain America Federal Credit Union 56 out of 100, Moderate | 6 | 1.2% | 45.0% |
| 23 | AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | 1.2% | — |
| 24 | WESTMARK Credit Union 57 out of 100, Moderate | 5 | 1.0% | 20.0% |
| 25 | NATIONSTAR MORTGAGE LLC | 5 | 1.0% | — |
| 26 | First Interstate Bank 62 out of 100, Moderate | 5 | 1.0% | 29.4% |
| 27 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 5 | 1.0% | 30.7% |
| 28 | Waterstone Mortgage Corporation | 5 | 1.0% | — |
| 29 | Broker Solutions, Inc. | 4 | 0.8% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.8% | — |
| 31 | First Federal Savings Bank of Twin Falls | 4 | 0.8% | — |
| 32 | CHURCHILL MORTGAGE CORPORATION | 4 | 0.8% | — |
| 33 | MUTUAL OF OMAHA MORTGAGE, INC. | 4 | 0.8% | — |
| 34 | LOWER, LLC | 4 | 0.8% | — |
| 35 | CMG MORTGAGE, INC. | 3 | 0.6% | — |
| 36 | SUMMIT FUNDING, INC. | 3 | 0.6% | — |
| 37 | PLAZA HOME MORTGAGE, INC. | 3 | 0.6% | — |
| 38 | NEW DAY FINANCIAL, LLC | 3 | 0.6% | — |
| 39 | GoodLeap, LLC | 3 | 0.6% | — |
| 40 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.4% | 32.9% |
Top 40 of 110 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