Largest lenders in Idaho County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Freedom Northwest Credit Union | A | 95 | 95 | 0.0% | — |
| 2 | Rocket Mortgage | C | 56 | 34 | 23.2% | 6.63% |
| 3 | Umpqua Bank | C | 46 | 22 | 26.1% | 8.25% |
| 4 | Potlatch No. 1 Financial Credit Union | C | 36 | 20 | 11.1% | 6.75% |
| 5 | United Shore Financial Services | B | 26 | 21 | 3.9% | 6.38% |
| 6 | Idaho Central Credit Union | A | 23 | 13 | 13.0% | 7.13% |
| 7 | Canopy Mortgage | B | 17 | 10 | 5.9% | 6.50% |
| 8 | U.S. Bank | D | 15 | 9 | 20.0% | 7.70% |
| 9 | Fairway Independent Mortgage | B | 14 | 9 | 21.4% | 7.75% |
| 10 | Mortgage Research Center | C | 14 | 4 | 21.4% | 6.19% |
| 11 | Loandepot.Com | D | 12 | 5 | 41.7% | 5.99% |
| 12 | Pennymac Loan Services | C | 11 | 6 | 0.0% | 6.69% |
| 13 | AmeriSave Mortgage | D | 11 | 3 | 63.6% | 6.75% |
| 14 | Freedom Mortgage | B | 10 | 4 | 10.0% | 6.50% |
| 15 | Kind Lending | C | 8 | 5 | 25.0% | 6.63% |
| 16 | Land Home Financial Services | C | 8 | 4 | 0.0% | 7.00% |
| 17 | Guaranteed Rate | B | 6 | 4 | 0.0% | 6.21% |
| 18 | Sun West Mortgage Company | B | 5 | 4 | 0.0% | 6.56% |
| 19 | Longbridge Financial | F | 5 | 3 | 20.0% | 8.99% |
| 20 | Broker Solutions | D | 5 | 0 | 0.0% | — |
| 21 | Guild Mortgage | A | 5 | 3 | 20.0% | 6.38% |
Best approval odds in Idaho County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Freedom Northwest Credit Union | 95 | 0.0% |
What Idaho County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Idaho County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 418 | 265 | 17.5% | 6.88% | $165,000 |
| 2024 | 409 | 269 | 13.2% | 6.88% | $195,000 |
| 2025 | 552 | 345 | 13.4% | 6.75% | $205,000 |
Frequently asked questions
13.4% of applications in Idaho County were denied in 2025, against 14.5% statewide in Idaho.
Freedom Northwest Credit Union, with 95 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Idaho County in 2025 was for $205,000; the median property value on originated loans was $385,000.