Largest mortgage lenders in Idaho
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 15,644 | 9,871 | 16.5% | 7.00% |
| 2 | Rocket Mortgage | C | 4,391 | 3,398 | 13.3% | 6.63% |
| 3 | United Shore Financial Services | B | 3,943 | 3,036 | 9.1% | 6.12% |
| 4 | Premier Mortgage Resources | B | 2,504 | 1,796 | 2.7% | 6.25% |
| 5 | Mountain America Federal Credit Union | D | 2,323 | 1,069 | 37.7% | 7.24% |
| 6 | Guild Mortgage | A | 2,320 | 1,757 | 3.4% | 6.50% |
| 7 | U.S. Bank | D | 2,161 | 1,180 | 28.6% | 7.35% |
| 8 | Loandepot.Com | D | 1,622 | 1,119 | 14.2% | 6.50% |
| 9 | Glacier Bank | D | 1,507 | 977 | 14.5% | 6.88% |
| 10 | Pennymac Loan Services | C | 1,297 | 760 | 10.8% | 6.50% |
| 11 | First Federal Savings Bank of Twin Falls | C | 1,250 | 733 | 14.2% | 6.92% |
| 12 | WESTMARK Credit Union | B | 1,230 | 803 | 15.8% | 6.99% |
| 13 | Mortgage Research Center | C | 1,154 | 515 | 18.5% | 6.13% |
| 14 | Movement Mortgage | A | 1,130 | 787 | 5.8% | 6.50% |
| 15 | CMG Mortgage | A | 1,087 | 793 | 2.5% | 6.63% |
| 16 | Fairway Independent Mortgage | B | 993 | 707 | 6.5% | 6.49% |
| 17 | Guaranteed Rate | B | 984 | 643 | 5.3% | 6.58% |
| 18 | Freedom Mortgage | B | 966 | 432 | 8.0% | 6.06% |
| 19 | Evergreen Moneysource Mortgage | B | 910 | 735 | 0.3% | 6.50% |
| 20 | American Pacific Mortgage | C | 904 | 703 | 4.4% | 6.50% |
| 21 | Potlatch No. 1 Financial Credit Union | C | 903 | 568 | 11.6% | 7.50% |
| 22 | Zions Bancorporation | B | 861 | 517 | 21.1% | 6.49% |
| 23 | Newrez | D | 795 | 325 | 15.9% | 6.63% |
| 24 | Kind Lending | C | 793 | 578 | 16.0% | 6.50% |
| 25 | Synergy One Lending | C | 770 | 550 | 5.6% | 6.38% |
Best approval odds in Idaho
Lowest decision denial rate among lenders that decided at least 300 Idaho applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | Freedom Northwest Credit Union | 376 | 0.0% | — |
| 2 | Evergreen Moneysource Mortgage | 771 | 0.4% | 6.50% |
| 3 | Clm Mortgage | 363 | 0.6% | 5.75% |
| 4 | Cornerstone Capital Bank | 321 | 0.6% | 6.13% |
| 5 | Eagle Bank and Trust | 434 | 0.9% | 6.25% |
| 6 | First Colony Mortgage | 443 | 1.8% | 6.25% |
| 7 | Coastal Community Bank | 310 | 2.6% | 10.49% |
| 8 | Canopy Mortgage | 435 | 2.8% | 6.38% |
| 9 | CMG Mortgage | 899 | 3.0% | 6.63% |
| 10 | Waterstone Mortgage | 364 | 3.6% | 6.25% |
Lowest median rates in Idaho
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | Horizon Federally Insured State-Chartered Credit Union | 171 | 2.99% | 33.5% |
| 2 | Lennar Mortgage | 442 | 4.88% | 5.4% |
| 3 | Homeamerican Mortgage | 147 | 5.00% | 7.2% |
| 4 | Kbhs Home Loans | 120 | 5.75% | 8.3% |
| 5 | Clm Mortgage | 348 | 5.75% | 0.5% |
| 6 | Toll Brothers Mortgage | 535 | 6.00% | 6.3% |
| 7 | Bank of America | 204 | 6.06% | 29.5% |
| 8 | Freedom Mortgage | 432 | 6.06% | 8.0% |
| 9 | United Shore Financial Services | 3,035 | 6.12% | 9.1% |
| 10 | My Move Mortgage | 117 | 6.13% | 0.0% |
What Idaho borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Idaho applications were denied
Idaho mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 71,356 | 43,599 | 16.3% | 7.00% | $225,000 | 585 |
| 2024 | 77,150 | 47,849 | 16.2% | 6.90% | $245,000 | 575 |
| 2025 | 89,820 | 56,607 | 14.5% | 6.63% | $265,000 | 595 |
Idaho counties
Counties with at least 200 applications in 2025, most active first.
Frequently asked questions
14.5% of mortgage applications in Idaho were denied in 2025 (17.5% of applications that reached a decision). Nationally the rate was 18.0%.
Idaho Central Credit Union handled the most applications in Idaho in 2025: 15,644, with a denial rate of 16.5%.
Among lenders that decided at least 300 applications in Idaho, Freedom Northwest Credit Union had the lowest decision denial rate at 0.0%.
The median interest rate on loans originated in Idaho in 2025 was 6.63%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.