Largest lenders in Elmore County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 141 | 77 | 24.1% | 7.00% |
| 2 | Premier Mortgage Resources | B | 139 | 109 | 3.6% | 6.00% |
| 3 | Mortgage Research Center | C | 105 | 65 | 15.2% | 6.13% |
| 4 | Movement Mortgage | A | 101 | 76 | 2.0% | 6.38% |
| 5 | Rocket Mortgage | C | 87 | 59 | 16.1% | 6.38% |
| 6 | Pioneer Federal Credit Union | B | 86 | 60 | 10.5% | 7.75% |
| 7 | United Shore Financial Services | B | 79 | 58 | 10.1% | 5.99% |
| 8 | American Pacific Mortgage | C | 54 | 42 | 7.4% | 6.25% |
| 9 | Freedom Mortgage | B | 49 | 29 | 6.1% | 5.75% |
| 10 | Crosscountry Mortgage | B | 42 | 35 | 0.0% | 6.13% |
| 11 | Pennymac Loan Services | C | 29 | 18 | 13.8% | 6.81% |
| 12 | 21st Mortgage | F | 28 | 8 | 50.0% | 11.69% |
| 13 | Newrez | D | 28 | 12 | 17.9% | 6.38% |
| 14 | Guild Mortgage | A | 27 | 20 | 0.0% | 6.38% |
| 15 | Fairway Independent Mortgage | B | 25 | 18 | 12.0% | 6.31% |
| 16 | Loandepot.Com | D | 25 | 17 | 20.0% | 6.75% |
| 17 | U.S. Bank | D | 20 | 11 | 25.0% | 6.49% |
| 18 | Navy Federal Credit Union | D | 20 | 10 | 20.0% | 7.88% |
| 19 | New Day Financial | F | 19 | 0 | 36.8% | — |
| 20 | Triad Financial Services | D | 19 | 7 | 31.6% | 8.68% |
| 21 | First Interstate Bank | D | 17 | 14 | 5.9% | 8.25% |
| 22 | Mountain America Federal Credit Union | D | 16 | 1 | 56.3% | 4.49% |
| 23 | Vanderbilt Mortgage and Finance | F | 16 | 2 | 25.0% | 8.79% |
| 24 | Nationstar Mortgage | C | 15 | 8 | 20.0% | 8.19% |
| 25 | Clm Mortgage | A | 14 | 14 | 0.0% | 5.43% |
Best approval odds in Elmore County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Movement Mortgage | 91 | 2.2% |
| 2 | Premier Mortgage Resources | 114 | 4.4% |
| 3 | United Shore Financial Services | 66 | 12.1% |
| 4 | Pioneer Federal Credit Union | 71 | 12.7% |
| 5 | Rocket Mortgage | 76 | 18.4% |
| 6 | Mortgage Research Center | 82 | 19.5% |
| 7 | Idaho Central Credit Union | 133 | 25.6% |
What Elmore County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Elmore County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,103 | 682 | 13.9% | 6.68% | $225,000 |
| 2024 | 1,191 | 711 | 13.7% | 6.63% | $255,000 |
| 2025 | 1,567 | 958 | 15.3% | 6.38% | $255,000 |
Frequently asked questions
15.3% of applications in Elmore County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 141 applications in 2025 and a denial rate of 24.1%.
The median mortgage application in Elmore County in 2025 was for $255,000; the median property value on originated loans was $365,000.