Largest lenders in Franklin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | AMERICA FIRST Federal Credit Union | C | 68 | 38 | 23.5% | 6.99% |
| 2 | Mountain America Federal Credit Union | D | 50 | 22 | 44.0% | 7.18% |
| 3 | United Shore Financial Services | B | 49 | 42 | 6.1% | 6.16% |
| 4 | Goldenwest | B | 46 | 25 | 28.3% | 7.50% |
| 5 | Glacier Bank | D | 43 | 24 | 27.9% | 7.75% |
| 6 | Guild Mortgage | A | 42 | 31 | 2.4% | 6.38% |
| 7 | Rocket Mortgage | C | 32 | 21 | 31.3% | 7.38% |
| 8 | The Loan Store | B | 23 | 15 | 8.7% | 6.63% |
| 9 | Bank of Utah | A | 18 | 11 | 0.0% | 6.25% |
| 10 | Cache Valley Bank | A | 15 | 14 | 0.0% | 6.63% |
| 11 | Zions Bancorporation | B | 14 | 7 | 21.4% | 6.50% |
| 12 | U.S. Bank | D | 14 | 7 | 28.6% | 8.20% |
| 13 | Advantage Plus | D | 13 | 3 | 30.8% | 6.63% |
| 14 | Newrez | D | 12 | 4 | 0.0% | 6.31% |
| 15 | Kind Lending | C | 11 | 9 | 18.2% | 6.25% |
| 16 | Idaho Central Credit Union | A | 10 | 5 | 30.0% | 7.00% |
| 17 | Pennymac Loan Services | C | 9 | 6 | 22.2% | 7.19% |
| 18 | Mortgage Research Center | C | 9 | 4 | 22.2% | 5.69% |
| 19 | AmeriSave Mortgage | D | 8 | 3 | 50.0% | 10.63% |
| 20 | Intercap Lending | A | 8 | 6 | 0.0% | 6.63% |
| 21 | American Financial Network | C | 8 | 6 | 0.0% | 5.99% |
| 22 | Union Home Mortgage | B | 6 | 5 | 0.0% | 6.13% |
| 23 | First Colony Mortgage | A | 6 | 5 | 0.0% | 6.88% |
| 24 | Navy Federal Credit Union | D | 6 | 2 | 33.3% | 7.13% |
| 25 | Coastal Community Bank | C | 6 | 0 | 0.0% | — |
Best approval odds in Franklin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | AMERICA FIRST Federal Credit Union | 60 | 26.7% |
What Franklin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Franklin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 537 | 327 | 17.3% | 7.13% | $195,000 |
| 2024 | 562 | 330 | 19.9% | 6.88% | $205,000 |
| 2025 | 685 | 402 | 18.7% | 6.74% | $255,000 |
Frequently asked questions
18.7% of applications in Franklin County were denied in 2025, against 14.5% statewide in Idaho.
AMERICA FIRST Federal Credit Union, with 68 applications in 2025 and a denial rate of 23.5%.
The median mortgage application in Franklin County in 2025 was for $255,000; the median property value on originated loans was $445,000.