Largest lenders in Gooding County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 73 | 40 | 17.8% | 7.00% |
| 2 | Premier Mortgage Resources | B | 49 | 37 | 2.0% | 6.50% |
| 3 | First Federal Savings Bank of Twin Falls | C | 48 | 30 | 18.8% | 7.69% |
| 4 | Guild Mortgage | A | 35 | 26 | 5.7% | 6.31% |
| 5 | Pioneer Federal Credit Union | B | 32 | 23 | 6.3% | 7.00% |
| 6 | United Shore Financial Services | B | 29 | 15 | 17.2% | 6.00% |
| 7 | Rocket Mortgage | C | 29 | 21 | 17.2% | 6.63% |
| 8 | Movement Mortgage | A | 16 | 8 | 6.3% | 6.19% |
| 9 | Mountain America Federal Credit Union | D | 15 | 7 | 40.0% | 6.00% |
| 10 | U.S. Bank | D | 13 | 5 | 46.2% | 6.63% |
| 11 | Planet Home Lending | B | 13 | 10 | 7.7% | 6.25% |
| 12 | AmeriSave Mortgage | D | 12 | 3 | 75.0% | 6.38% |
| 13 | Newrez | D | 12 | 2 | 25.0% | 6.00% |
| 14 | Umpqua Bank | C | 11 | 3 | 54.6% | 8.25% |
| 15 | Mortgage Research Center | C | 9 | 3 | 11.1% | 5.75% |
| 16 | Guaranteed Rate | B | 7 | 2 | 0.0% | 6.44% |
| 17 | NFM | A | 7 | 5 | 0.0% | 6.63% |
| 18 | Cornerstone Capital Bank | A | 7 | 7 | 0.0% | 6.00% |
| 19 | Loandepot.Com | D | 7 | 4 | 42.9% | 8.94% |
| 20 | Coastal Community Bank | C | 7 | 0 | 0.0% | — |
| 21 | Vanderbilt Mortgage and Finance | F | 7 | 0 | 14.3% | — |
| 22 | Zions Bancorporation | B | 6 | 3 | 50.0% | 6.24% |
| 23 | Freedom Mortgage | B | 6 | 1 | 33.3% | 6.75% |
| 24 | WESTMARK Credit Union | B | 6 | 5 | 0.0% | 8.74% |
| 25 | Pennymac Loan Services | C | 5 | 1 | 40.0% | 5.63% |
Best approval odds in Gooding 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 | 65 | 20.0% |
What Gooding County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gooding County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 489 | 288 | 13.5% | 7.00% | $165,000 |
| 2024 | 462 | 260 | 20.4% | 6.99% | $175,000 |
| 2025 | 568 | 312 | 18.5% | 6.75% | $195,000 |
Frequently asked questions
18.5% of applications in Gooding County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 73 applications in 2025 and a denial rate of 17.8%.
The median mortgage application in Gooding County in 2025 was for $195,000; the median property value on originated loans was $335,000.