Largest lenders in Fremont County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 102 | 64 | 12.8% | 7.00% |
| 2 | Mountain America Federal Credit Union | D | 71 | 32 | 40.9% | 7.19% |
| 3 | Beehive | C | 62 | 41 | 12.9% | 7.25% |
| 4 | Glacier Bank | D | 44 | 25 | 20.5% | 6.75% |
| 5 | United Shore Financial Services | B | 31 | 24 | 12.9% | 6.09% |
| 6 | Rocket Mortgage | C | 24 | 21 | 4.2% | 6.50% |
| 7 | The Bank of Commerce | B | 18 | 8 | 5.6% | — |
| 8 | Canopy Mortgage | B | 16 | 6 | 0.0% | 6.63% |
| 9 | Zions Bancorporation | B | 15 | 11 | 13.3% | 6.75% |
| 10 | Goldenwest | B | 15 | 11 | 6.7% | 7.50% |
| 11 | Premier Mortgage Resources | B | 15 | 9 | 6.7% | 6.99% |
| 12 | D. L. Evans Bank | D | 13 | 13 | 0.0% | — |
| 13 | Mortgage Research Center | C | 12 | 6 | 16.7% | 6.19% |
| 14 | Guild Mortgage | A | 12 | 6 | 0.0% | 6.25% |
| 15 | WESTMARK Credit Union | B | 12 | 9 | 8.3% | 6.99% |
| 16 | Evergreen Moneysource Mortgage | B | 12 | 9 | 0.0% | 6.88% |
| 17 | EAST IDAHO Credit Union | B | 11 | 10 | 0.0% | 6.38% |
| 18 | Eagle Bank and Trust | A | 11 | 9 | 0.0% | 6.13% |
| 19 | Kind Lending | C | 11 | 4 | 45.5% | 7.12% |
| 20 | Loandepot.Com | D | 11 | 1 | 27.3% | 11.00% |
| 21 | U.S. Bank | D | 10 | 3 | 50.0% | 6.50% |
| 22 | AMERICA FIRST Federal Credit Union | C | 10 | 9 | 10.0% | 6.74% |
| 23 | Synergy One Lending | C | 10 | 5 | 20.0% | 6.38% |
| 24 | Crosscountry Mortgage | B | 9 | 5 | 11.1% | 6.58% |
| 25 | Freedom Mortgage | B | 8 | 3 | 0.0% | 6.25% |
Best approval odds in Fremont 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 | 94 | 13.8% |
| 2 | Beehive | 50 | 16.0% |
| 3 | Mountain America Federal Credit Union | 61 | 47.5% |
What Fremont County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fremont County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 607 | 334 | 20.3% | 7.13% | $245,000 |
| 2024 | 598 | 339 | 19.9% | 7.13% | $225,000 |
| 2025 | 783 | 457 | 16.4% | 6.88% | $275,000 |
Frequently asked questions
16.4% of applications in Fremont County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 102 applications in 2025 and a denial rate of 12.8%.
The median mortgage application in Fremont County in 2025 was for $275,000; the median property value on originated loans was $475,000.