Largest lenders in Minidoka County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 218 | 130 | 22.0% | 7.00% |
| 2 | First Federal Savings Bank of Twin Falls | C | 139 | 83 | 19.4% | 7.25% |
| 3 | Premier Mortgage Resources | B | 66 | 50 | 0.0% | 6.63% |
| 4 | D. L. Evans Bank | D | 66 | 46 | 16.7% | — |
| 5 | NFM | A | 56 | 43 | 3.6% | 6.25% |
| 6 | United Shore Financial Services | B | 43 | 29 | 9.3% | 6.13% |
| 7 | Rocket Mortgage | C | 41 | 30 | 22.0% | 6.50% |
| 8 | Cornerstone Capital Bank | A | 36 | 26 | 0.0% | 6.44% |
| 9 | Planet Home Lending | B | 27 | 16 | 11.1% | 6.50% |
| 10 | U.S. Bank | D | 16 | 7 | 31.3% | 6.49% |
| 11 | Loandepot.Com | D | 15 | 7 | 40.0% | 5.99% |
| 12 | Connections Credit Union | A | 14 | 14 | 0.0% | 8.38% |
| 13 | Freedom Mortgage | B | 11 | 4 | 18.2% | 6.25% |
| 14 | Pennymac Loan Services | C | 10 | 2 | 50.0% | 7.25% |
| 15 | AmeriSave Mortgage | D | 10 | 2 | 70.0% | 8.69% |
| 16 | Mortgage Research Center | C | 9 | 2 | 33.3% | 6.50% |
| 17 | Guild Mortgage | A | 9 | 4 | 22.2% | 6.62% |
| 18 | Vanderbilt Mortgage and Finance | F | 9 | 1 | 22.2% | 8.75% |
| 19 | KeyBank | C | 8 | 5 | 25.0% | 6.88% |
| 20 | Newrez | D | 8 | 0 | 37.5% | — |
| 21 | AMERICA FIRST Federal Credit Union | C | 8 | 4 | 37.5% | 7.37% |
| 22 | Mountain America Federal Credit Union | D | 8 | 5 | 12.5% | 7.50% |
| 23 | Broker Solutions | D | 7 | 1 | 0.0% | 6.49% |
| 24 | First Colony Mortgage | A | 7 | 4 | 0.0% | 6.94% |
| 25 | Spring Eq | D | 6 | 1 | 83.3% | 12.55% |
Best approval odds in Minidoka County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Premier Mortgage Resources | 50 | 0.0% |
| 2 | D. L. Evans Bank | 57 | 19.3% |
| 3 | Idaho Central Credit Union | 207 | 23.2% |
| 4 | First Federal Savings Bank of Twin Falls | 112 | 24.1% |
What Minidoka County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Minidoka County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 857 | 524 | 18.3% | 7.00% | $155,000 |
| 2024 | 864 | 504 | 18.4% | 7.13% | $155,000 |
| 2025 | 1,009 | 605 | 17.8% | 6.75% | $195,000 |
Frequently asked questions
17.8% of applications in Minidoka County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 218 applications in 2025 and a denial rate of 22.0%.
The median mortgage application in Minidoka County in 2025 was for $195,000; the median property value on originated loans was $325,000.