Idaho · HMDA 2025
Mortgage lenders in Payette County, ID
162 lenders reported 1,570 home-loan applications in Payette County in 2025. 900 closed as loans ($210.6M), 212 were denied — a 18.0% denial rate on decided applications, close to the Idaho rate of 17.5%. The three most active lenders handled 25% of applications, led by IDAHO CENTRAL CREDIT UNION. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,570
- Loans originated
- 900
- Purchase / refinance
- 439 / 274
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Payette County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 201 | 12.8% | 17.8% |
| 2 | GUILD MORTGAGE COMPANY | 103 | 6.6% | — |
| 3 | Rocket Mortgage, LLC | 81 | 5.2% | — |
| 4 | ROGUE CREDIT UNION 67 out of 100, Moderate | 77 | 4.9% | 13.2% |
| 5 | FIRST COLONY MORTGAGE CORPORATION | 54 | 3.4% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 3.3% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 46 | 2.9% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 43 | 2.7% | 39.5% |
| 9 | Loandepot.Com, LLC | 39 | 2.5% | — |
| 10 | Fairway Independent Mortgage Corporation | 38 | 2.4% | — |
| 11 | NEWREZ LLC | 33 | 2.1% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 30 | 1.9% | 14.1% |
| 13 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 30 | 1.9% | 30.7% |
| 14 | D. L. EVANS BANK | 29 | 1.8% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 28 | 1.8% | — |
| 16 | PREMIER MORTGAGE RESOURCES, L.L.C. | 24 | 1.5% | — |
| 17 | MOVEMENT MORTGAGE, LLC | 22 | 1.4% | — |
| 18 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 21 | 1.3% | — |
| 19 | Mortgage Research Center, LLC | 20 | 1.3% | — |
| 20 | AMERICAN PACIFIC MORTGAGE CORPORATION | 20 | 1.3% | — |
| 21 | Broker Solutions, Inc. | 19 | 1.2% | — |
| 22 | Loan Funder LLC | 17 | 1.1% | — |
| 23 | Waterstone Mortgage Corporation | 16 | 1.0% | — |
| 24 | SPRING EQ, LLC | 15 | 1.0% | — |
| 25 | FIGURE LENDING LLC | 15 | 1.0% | — |
| 26 | Mountain America Federal Credit Union 56 out of 100, Moderate | 15 | 1.0% | 45.0% |
| 27 | CHURCHILL MORTGAGE CORPORATION | 15 | 1.0% | — |
| 28 | AmeriSave Mortgage Corporation | 13 | 0.8% | — |
| 29 | WESTMARK Credit Union 57 out of 100, Moderate | 13 | 0.8% | 20.0% |
| 30 | AMERITRUST MORTGAGE CORPORATION | 13 | 0.8% | — |
| 31 | 21st Mortgage Corporation | 12 | 0.8% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 12 | 0.8% | — |
| 33 | GUARANTEED RATE, INC. | 11 | 0.7% | — |
| 34 | TRIAD FINANCIAL SERVICES, INC. | 11 | 0.7% | — |
| 35 | First Interstate Bank 62 out of 100, Moderate | 11 | 0.7% | 29.4% |
| 36 | Umpqua Bank 64 out of 100, Moderate | 11 | 0.7% | 28.5% |
| 37 | Coastal Community Bank 35 out of 100, Low | 11 | 0.7% | 3.0% |
| 38 | CMG MORTGAGE, INC. | 10 | 0.6% | — |
| 39 | Discover Bank | 10 | 0.6% | — |
| 40 | Synergy One Lending, Inc. | 10 | 0.6% | — |
Top 40 of 162 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
- Madison County 1,326 apps