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Jefferson County, Idaho · 2025

Mortgage lenders in Jefferson County, ID: denial rates and top lenders (2025)

151 lenders acted on 1,644 mortgage applications for properties in Jefferson County in 2025. 15.4% were denied (Idaho: 14.5%). Median rate on closed loans 6.63%; median loan $255,000; median property value $465,000.

1.6kApplications
15.4%Denial ratestate 14.5%
6.63%Median ratestate 6.63%
$255,000Median loan
$465,000Median property value

Largest lenders in Jefferson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Idaho Central Credit Union A 291178 15.5%6.95%
2 Beehive C 11570 15.7%7.25%
3 Rocket Mortgage C 10684 12.3%6.38%
4 WESTMARK Credit Union B 7850 14.1%6.99%
5 Mountain America Federal Credit Union D 7732 39.0%7.12%
6 United Shore Financial Services B 7154 5.6%6.13%
7 Canopy Mortgage B 6550 3.1%6.38%
8 Eagle Bank and Trust A 5651 0.0%6.13%
9 Synergy One Lending C 4126 12.2%6.63%
10 Pennymac Loan Services C 3113 12.9%6.13%
11 Premier Mortgage Resources B 2815 7.1%6.38%
12 Highlands Residential Mortgage B 2624 0.0%6.44%
13 Zions Bancorporation B 2511 36.0%6.13%
14 Mortgage Research Center C 236 21.7%5.93%
15 The Bank of Commerce B 2116 4.8%—
16 Summit Funding C 2113 14.3%6.38%
17 EAST IDAHO Credit Union B 2015 0.0%6.15%
18 Kind Lending C 2010 20.0%6.50%
19 Freedom Mortgage B 2010 15.0%6.19%
20 Nationstar Mortgage C 1911 21.1%8.75%
21 D. L. Evans Bank D 1811 11.1%—
22 Glacier Bank D 1711 11.8%6.56%
23 Goldenwest B 1611 18.8%7.50%
24 Loandepot.Com D 168 31.3%8.50%
25 Belem Servicing B 1514 0.0%6.00%

Best approval odds in Jefferson County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Eagle Bank and Trust520.0%
2Canopy Mortgage523.9%
3United Shore Financial Services596.8%
4Rocket Mortgage9813.3%
5Idaho Central Credit Union27516.4%
6WESTMARK Credit Union6317.5%
7Beehive8920.2%
8Mountain America Federal Credit Union6347.6%

What Jefferson County borrowers applied for

By loan purpose

Home purchase 661 40% · 7.6% denied
Refinance 251 15% · 15.5% denied
Cash-out refinance 330 20% · 22.4% denied
Home improvement 219 13% · 19.2% denied
Other / HELOC 183 11% · 26.2% denied

By loan type

Conventional 1,276 78% · 16.1% denied
FHA 210 13% · 11.0% denied
VA 133 8% · 16.5% denied
USDA / RHS 25 2% · 8.0% denied

Why applications were denied

Debt-to-income ratio 110 44%
Collateral 42 17%
Credit history 37 15%
Incomplete application 30 12%
Other 20 8%
Insufficient cash 5 2%
Unverifiable information 4 2%
Employment history 2 1%

Jefferson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,13169718.1%7.00%$215,000
20241,28776919.7%6.99%$215,000
20251,64499715.4%6.63%$255,000

Frequently asked questions

15.4% of applications in Jefferson County were denied in 2025, against 14.5% statewide in Idaho.

Idaho Central Credit Union, with 291 applications in 2025 and a denial rate of 15.5%.

The median mortgage application in Jefferson County in 2025 was for $255,000; the median property value on originated loans was $465,000.