Largest lenders in Boundary County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Glacier Bank | D | 55 | 38 | 23.6% | 7.75% |
| 2 | Potlatch No. 1 Financial Credit Union | C | 50 | 36 | 10.0% | 7.50% |
| 3 | Rocket Mortgage | C | 48 | 38 | 14.6% | 6.44% |
| 4 | CMG Mortgage | A | 47 | 29 | 8.5% | 6.99% |
| 5 | Evergreen Moneysource Mortgage | B | 22 | 16 | 0.0% | 6.56% |
| 6 | U.S. Bank | D | 18 | 9 | 27.8% | 6.88% |
| 7 | United Shore Financial Services | B | 18 | 15 | 0.0% | 6.13% |
| 8 | Umpqua Bank | C | 14 | 9 | 7.1% | 8.15% |
| 9 | AmeriSave Mortgage | D | 10 | 2 | 70.0% | 6.44% |
| 10 | Highlands Residential Mortgage | B | 10 | 9 | 0.0% | 6.75% |
| 11 | Mortgage Research Center | C | 10 | 3 | 0.0% | 6.25% |
| 12 | Loandepot.Com | D | 10 | 8 | 0.0% | 6.50% |
| 13 | Spring Eq | D | 8 | 0 | 87.5% | — |
| 14 | Broker Solutions | D | 8 | 1 | 0.0% | 6.13% |
| 15 | Freedom Mortgage | B | 7 | 4 | 0.0% | 5.75% |
| 16 | Nationstar Mortgage | C | 7 | 3 | 28.6% | 7.38% |
| 17 | Idaho Central Credit Union | A | 7 | 4 | 28.6% | 6.69% |
| 18 | Pennymac Loan Services | C | 6 | 2 | 0.0% | 7.88% |
| 19 | Wells Fargo Bank | B | 6 | 4 | 0.0% | 6.19% |
| 20 | Guaranteed Rate | B | 6 | 3 | 0.0% | 6.90% |
| 21 | New Day Financial | F | 6 | 0 | 0.0% | — |
| 22 | Newrez | D | 6 | 2 | 0.0% | 7.13% |
| 23 | Horizon Federally Insured State-Chartered Credit Union | C | 6 | 3 | 33.3% | 7.75% |
| 24 | Bank of America | F | 5 | 2 | 20.0% | 6.31% |
| 25 | Crosscountry Mortgage | B | 5 | 0 | 40.0% | — |
Best approval odds in Boundary County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Glacier Bank | 51 | 25.5% |
What Boundary County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Boundary County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 449 | 244 | 18.0% | 7.00% | $235,000 |
| 2024 | 454 | 276 | 17.4% | 7.13% | $245,000 |
| 2025 | 557 | 332 | 15.3% | 6.88% | $265,000 |
Frequently asked questions
15.3% of applications in Boundary County were denied in 2025, against 14.5% statewide in Idaho.
Glacier Bank, with 55 applications in 2025 and a denial rate of 23.6%.
The median mortgage application in Boundary County in 2025 was for $265,000; the median property value on originated loans was $555,000.