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Nez Perce County, Idaho · 2025

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

133 lenders acted on 1,554 mortgage applications for properties in Nez Perce County in 2025. 13.8% were denied (Idaho: 14.5%). Median rate on closed loans 6.75%; median loan $245,000; median property value $395,000.

1.6kApplications
13.8%Denial ratestate 14.5%
6.75%Median ratestate 6.63%
$245,000Median loan
$395,000Median property value

Largest lenders in Nez Perce County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Potlatch No. 1 Financial Credit Union C 237174 8.9%7.50%
2 Idaho Central Credit Union A 172123 17.4%6.75%
3 United Shore Financial Services B 11989 10.1%6.00%
4 Rocket Mortgage C 9176 11.0%6.63%
5 Newrez D 6341 9.5%6.50%
6 Freedom Northwest Credit Union A 5454 0.0%—
7 U.S. Bank D 4922 40.8%8.00%
8 Synergy One Lending C 4530 0.0%6.75%
9 Mortgage Research Center C 3920 10.3%6.13%
10 Movement Mortgage A 3929 5.1%6.56%
11 Freedom Mortgage B 3215 9.4%6.25%
12 Umpqua Bank C 2915 34.5%8.25%
13 Zions Bancorporation B 2614 42.3%6.49%
14 American Pacific Mortgage C 2623 0.0%6.38%
15 Kind Lending C 2523 8.0%6.50%
16 Pennymac Loan Services C 2012 10.0%6.50%
17 Guaranteed Rate B 2012 10.0%6.53%
18 Land Home Financial Services C 2015 0.0%6.63%
19 Unnamed lender 254900O1J92J7KPVMG08 – 1814 16.7%7.54%
20 Banner Bank D 1710 35.3%6.74%
21 Nationstar Mortgage C 1612 12.5%8.69%
22 Loandepot.Com D 1510 33.3%7.25%
23 Evergreen Moneysource Mortgage B 149 7.1%6.75%
24 Navy Federal Credit Union D 1410 14.3%7.85%
25 New Day Financial F 135 30.8%6.88%

Best approval odds in Nez Perce County

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

#LenderDecidedDecision denial rate
1Freedom Northwest Credit Union540.0%
2Potlatch No. 1 Financial Credit Union20310.3%
3Rocket Mortgage8911.2%
4United Shore Financial Services10111.9%
5Idaho Central Credit Union16917.8%

What Nez Perce County borrowers applied for

By loan purpose

Home purchase 626 40% · 6.4% denied
Refinance 254 16% · 13.0% denied
Cash-out refinance 339 22% · 20.7% denied
Home improvement 141 9% · 21.3% denied
Other / HELOC 194 12% · 21.7% denied

By loan type

Conventional 1,128 73% · 14.3% denied
FHA 236 15% · 14.4% denied
VA 181 12% · 11.1% denied
USDA / RHS 9 1% · 0.0% denied

Why applications were denied

Debt-to-income ratio 91 42%
Credit history 47 22%
Collateral 38 18%
Incomplete application 18 8%
Other 10 5%
Unverifiable information 6 3%
Insufficient cash 4 2%
Employment history 1 0%

Nez Perce County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,22676814.5%6.99%$205,000
20241,32286315.4%6.99%$205,000
20251,5541,02913.8%6.75%$245,000

Frequently asked questions

13.8% of applications in Nez Perce County were denied in 2025, against 14.5% statewide in Idaho.

Potlatch No. 1 Financial Credit Union, with 237 applications in 2025 and a denial rate of 8.9%.

The median mortgage application in Nez Perce County in 2025 was for $245,000; the median property value on originated loans was $395,000.