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Canyon County, Idaho · 2025

Mortgage lenders in Canyon County, ID: denial rates and top lenders (2025)

313 lenders acted on 13,477 mortgage applications for properties in Canyon County in 2025. 13.7% were denied (Idaho: 14.5%). Median rate on closed loans 6.50%; median loan $275,000; median property value $425,000.

13kApplications
13.7%Denial ratestate 14.5%
6.50%Median ratestate 6.63%
$275,000Median loan
$425,000Median property value

Largest lenders in Canyon County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Idaho Central Credit Union A 2,3271,367 20.4%7.00%
2 Rocket Mortgage C 670529 11.3%6.63%
3 Guild Mortgage A 645495 2.3%6.38%
4 United Shore Financial Services B 636487 10.5%6.00%
5 Premier Mortgage Resources B 555437 1.8%6.00%
6 Loandepot.Com D 389297 10.3%6.25%
7 Mountain America Federal Credit Union D 316161 35.4%7.24%
8 U.S. Bank D 292161 29.8%7.35%
9 Lennar Mortgage A 278222 5.0%4.75%
10 Movement Mortgage A 260169 6.9%6.56%
11 Evergreen Moneysource Mortgage B 255222 0.4%6.50%
12 Toll Brothers Mortgage A 224170 5.4%5.88%
13 American Pacific Mortgage C 187155 3.2%6.38%
14 Waterstone Mortgage C 186151 4.3%6.25%
15 Pennymac Loan Services C 179112 11.7%6.25%
16 Fairway Independent Mortgage B 176124 6.8%6.38%
17 WESTMARK Credit Union B 175103 21.1%6.99%
18 Mortgage Research Center C 16977 21.9%6.13%
19 Pioneer Federal Credit Union B 155104 8.4%7.75%
20 Broker Solutions D 14974 8.1%6.62%
21 Crosscountry Mortgage B 147108 2.7%6.25%
22 Clm Mortgage A 136129 0.0%5.88%
23 Freedom Mortgage B 13365 6.8%5.75%
24 Capital Educators Federal Credit Union C 13295 12.1%—
25 Synergy One Lending C 131103 0.8%6.13%

Best approval odds in Canyon County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1The Loan Store730.0%
2Clm Mortgage1330.0%
3Evergreen Moneysource Mortgage2300.4%
4Synergy One Lending1060.9%
5Sunflower Bank731.4%
6Premier Mortgage Resources4472.2%
7Guild Mortgage5242.9%
8Crosscountry Mortgage1143.5%
9American Pacific Mortgage1613.7%
10Waterstone Mortgage1605.0%

What Canyon County borrowers applied for

By loan purpose

Home purchase 6,638 49% · 5.4% denied
Refinance 1,573 12% · 14.9% denied
Cash-out refinance 2,604 19% · 21.6% denied
Home improvement 1,645 12% · 23.6% denied
Other / HELOC 1,017 8% · 29.5% denied

By loan type

Conventional 9,701 72% · 15.4% denied
FHA 2,396 18% · 8.7% denied
VA 1,369 10% · 10.5% denied
USDA / RHS 11 0% · 9.1% denied

Why applications were denied

Debt-to-income ratio 854 47%
Credit history 305 17%
Collateral 225 12%
Incomplete application 170 9%
Other 136 8%
Unverifiable information 61 3%
Insufficient cash 46 3%
Employment history 13 1%

Canyon County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202311,2447,05815.8%6.88%$245,000
202411,9777,69315.3%6.75%$265,000
202513,4778,76713.7%6.50%$275,000

Frequently asked questions

13.7% of applications in Canyon County were denied in 2025, against 14.5% statewide in Idaho.

Idaho Central Credit Union, with 2,327 applications in 2025 and a denial rate of 20.4%.

The median mortgage application in Canyon County in 2025 was for $275,000; the median property value on originated loans was $425,000.