Idaho · HMDA 2025
Mortgage lenders in Valley County, ID
181 lenders reported 1,203 home-loan applications in Valley County in 2025. 645 closed as loans ($352.9M), 170 were denied — a 19.1% 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. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,203
- Loans originated
- 645
- Purchase / refinance
- 331 / 206
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Valley County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 244 | 20.3% | 17.8% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 65 | 5.4% | 39.5% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 56 | 4.7% | — |
| 4 | Rocket Mortgage, LLC | 52 | 4.3% | — |
| 5 | Fairway Independent Mortgage Corporation | 48 | 4.0% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 34 | 2.8% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 33 | 2.7% | 14.1% |
| 8 | GUILD MORTGAGE COMPANY | 31 | 2.6% | — |
| 9 | First Federal Savings Bank of Twin Falls | 19 | 1.6% | — |
| 10 | Umpqua Bank 64 out of 100, Moderate | 19 | 1.6% | 28.5% |
| 11 | GUARANTEED RATE, INC. | 18 | 1.5% | — |
| 12 | Broker Solutions, Inc. | 15 | 1.2% | — |
| 13 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 15 | 1.2% | — |
| 14 | NEWREZ LLC | 14 | 1.2% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 14 | 1.2% | — |
| 16 | Loandepot.Com, LLC | 14 | 1.2% | — |
| 17 | FIGURE LENDING LLC | 14 | 1.2% | — |
| 18 | Mountain America Federal Credit Union 56 out of 100, Moderate | 14 | 1.2% | 45.0% |
| 19 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 13 | 1.1% | 30.7% |
| 20 | Bank of America, National Association 59 out of 100, Moderate | 12 | 1.0% | 44.7% |
| 21 | CMG MORTGAGE, INC. | 11 | 0.9% | — |
| 22 | CHURCHILL MORTGAGE CORPORATION | 11 | 0.9% | — |
| 23 | Mortgage Research Center, LLC | 10 | 0.8% | — |
| 24 | PREMIER MORTGAGE RESOURCES, L.L.C. | 10 | 0.8% | — |
| 25 | Glacier Bank 68 out of 100, Moderate | 10 | 0.8% | 20.0% |
| 26 | CAPITAL EDUCATORS FEDERAL CREDIT UNION 49 out of 100, Below average | 10 | 0.8% | 16.0% |
| 27 | Washington Trust Bank 60 out of 100, Moderate | 10 | 0.8% | 22.5% |
| 28 | D. L. EVANS BANK | 9 | 0.7% | — |
| 29 | Synergy One Lending, Inc. | 9 | 0.7% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 8 | 0.7% | 32.9% |
| 31 | NATIONSTAR MORTGAGE LLC | 8 | 0.7% | — |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.6% | 22.2% |
| 33 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.6% | — |
| 34 | KIND LENDING, LLC | 7 | 0.6% | — |
| 35 | PIONEER FEDERAL CREDIT UNION 60 out of 100, Moderate | 7 | 0.6% | 9.0% |
| 36 | Banner Bank 72 out of 100, Strong | 7 | 0.6% | 35.6% |
| 37 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 0.5% | 32.5% |
| 38 | Sunflower Bank, National Association 51 out of 100, Below average | 6 | 0.5% | 5.8% |
| 39 | Freedom Northwest Credit Union 82 out of 100, Strong | 6 | 0.5% | 0.0% |
| 40 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 6 | 0.5% | 4.9% |
Top 40 of 181 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