Largest lenders in Gem County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 164 | 100 | 19.5% | 7.00% |
| 2 | United Shore Financial Services | B | 68 | 46 | 13.2% | 6.12% |
| 3 | Rocket Mortgage | C | 48 | 39 | 8.3% | 6.50% |
| 4 | Guild Mortgage | A | 45 | 36 | 0.0% | 6.50% |
| 5 | U.S. Bank | D | 40 | 22 | 35.0% | 8.08% |
| 6 | Premier Mortgage Resources | B | 33 | 21 | 0.0% | 6.63% |
| 7 | Mountain America Federal Credit Union | D | 32 | 11 | 53.1% | 7.50% |
| 8 | First Interstate Bank | D | 26 | 18 | 19.2% | 8.44% |
| 9 | Waterstone Mortgage | C | 25 | 22 | 0.0% | 6.56% |
| 10 | Evergreen Moneysource Mortgage | B | 25 | 20 | 0.0% | 6.38% |
| 11 | Loandepot.Com | D | 22 | 12 | 18.2% | 7.56% |
| 12 | Movement Mortgage | A | 18 | 8 | 16.7% | 6.69% |
| 13 | American Pacific Mortgage | C | 16 | 12 | 6.3% | 6.81% |
| 14 | Broker Solutions | D | 16 | 7 | 12.5% | 7.25% |
| 15 | Pennymac Loan Services | C | 14 | 10 | 0.0% | 6.25% |
| 16 | 21st Mortgage | F | 14 | 1 | 35.7% | 9.43% |
| 17 | Triad Financial Services | D | 14 | 6 | 35.7% | 8.54% |
| 18 | Synergy One Lending | C | 14 | 10 | 0.0% | 6.50% |
| 19 | Vanderbilt Mortgage and Finance | F | 12 | 2 | 50.0% | 11.38% |
| 20 | Guaranteed Rate | B | 11 | 6 | 9.1% | 6.71% |
| 21 | New Day Financial | F | 11 | 1 | 27.3% | 7.25% |
| 22 | CMG Mortgage | A | 11 | 7 | 0.0% | 6.25% |
| 23 | Sunflower Bank | B | 11 | 10 | 0.0% | 6.19% |
| 24 | Zions Bancorporation | B | 9 | 6 | 11.1% | 6.31% |
| 25 | Fairway Independent Mortgage | B | 9 | 7 | 22.2% | 6.25% |
Best approval odds in Gem County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 56 | 16.1% |
| 2 | Idaho Central Credit Union | 151 | 21.2% |
What Gem County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gem County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 800 | 462 | 15.4% | 7.00% | $240,000 |
| 2024 | 894 | 498 | 20.8% | 6.88% | $235,000 |
| 2025 | 1,055 | 620 | 16.5% | 6.63% | $245,000 |
Frequently asked questions
16.5% of applications in Gem County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 164 applications in 2025 and a denial rate of 19.5%.
The median mortgage application in Gem County in 2025 was for $245,000; the median property value on originated loans was $475,000.