Largest lenders in Boise County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 138 | 89 | 21.0% | 7.00% |
| 2 | Mountain America Federal Credit Union | D | 40 | 18 | 37.5% | 7.50% |
| 3 | Rocket Mortgage | C | 32 | 22 | 21.9% | 6.75% |
| 4 | United Shore Financial Services | B | 30 | 23 | 3.3% | 6.25% |
| 5 | Movement Mortgage | A | 24 | 18 | 8.3% | 6.50% |
| 6 | U.S. Bank | D | 23 | 8 | 47.8% | 6.93% |
| 7 | Guild Mortgage | A | 16 | 12 | 0.0% | 6.88% |
| 8 | Guaranteed Rate | B | 15 | 8 | 13.3% | 6.75% |
| 9 | Loandepot.Com | D | 15 | 11 | 20.0% | 7.25% |
| 10 | Premier Mortgage Resources | B | 14 | 9 | 0.0% | 5.63% |
| 11 | Fairway Independent Mortgage | B | 12 | 7 | 0.0% | 6.63% |
| 12 | American Pacific Mortgage | C | 10 | 6 | 10.0% | 6.69% |
| 13 | CMG Mortgage | A | 9 | 6 | 0.0% | 6.56% |
| 14 | Cornerstone Capital Bank | A | 9 | 8 | 0.0% | 6.13% |
| 15 | Pennymac Loan Services | C | 8 | 4 | 0.0% | 5.88% |
| 16 | Wells Fargo Bank | B | 8 | 5 | 0.0% | 6.13% |
| 17 | 21st Mortgage | F | 8 | 0 | 50.0% | — |
| 18 | Mortgage Research Center | C | 8 | 3 | 12.5% | 6.25% |
| 19 | Washington Trust Bank | D | 7 | 2 | 57.1% | 6.94% |
| 20 | Kind Lending | C | 7 | 7 | 0.0% | 6.25% |
| 21 | Freedom Mortgage | B | 7 | 5 | 28.6% | 6.25% |
| 22 | Evergreen Moneysource Mortgage | B | 7 | 4 | 0.0% | 6.19% |
| 23 | First Federal Savings Bank of Twin Falls | C | 7 | 4 | 0.0% | 6.44% |
| 24 | Zions Bancorporation | B | 6 | 4 | 33.3% | 7.25% |
| 25 | JPMorgan Chase Bank | B | 6 | 4 | 0.0% | 6.93% |
Best approval odds in Boise County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Idaho Central Credit Union | 135 | 21.5% |
What Boise County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Boise County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 508 | 307 | 15.9% | 7.25% | $255,000 |
| 2024 | 558 | 311 | 20.1% | 7.13% | $265,000 |
| 2025 | 669 | 406 | 17.0% | 6.75% | $295,000 |
Frequently asked questions
17.0% of applications in Boise County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 138 applications in 2025 and a denial rate of 21.0%.
The median mortgage application in Boise County in 2025 was for $295,000; the median property value on originated loans was $605,000.