Largest lenders in Owyhee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 92 | 53 | 17.4% | 7.00% |
| 2 | Guild Mortgage | A | 35 | 25 | 0.0% | 6.75% |
| 3 | United Shore Financial Services | B | 22 | 16 | 18.2% | 6.38% |
| 4 | U.S. Bank | D | 18 | 6 | 33.3% | 6.13% |
| 5 | Rocket Mortgage | C | 18 | 14 | 5.6% | 6.75% |
| 6 | Movement Mortgage | A | 13 | 10 | 15.4% | 6.50% |
| 7 | Premier Mortgage Resources | B | 10 | 5 | 0.0% | 7.38% |
| 8 | AmeriSave Mortgage | D | 9 | 1 | 66.7% | 8.75% |
| 9 | Mortgage Research Center | C | 9 | 5 | 11.1% | 6.13% |
| 10 | Pioneer Federal Credit Union | B | 8 | 6 | 0.0% | 7.50% |
| 11 | Figure Lending | C | 8 | 3 | 25.0% | 8.45% |
| 12 | Fairway Independent Mortgage | B | 7 | 4 | 28.6% | 6.18% |
| 13 | Newrez | D | 7 | 3 | 14.3% | 6.25% |
| 14 | 21st Mortgage | F | 6 | 1 | 66.7% | 8.00% |
| 15 | American Pacific Mortgage | C | 6 | 6 | 0.0% | 5.87% |
| 16 | Loandepot.Com | D | 6 | 6 | 0.0% | 5.99% |
| 17 | Mountain America Federal Credit Union | D | 6 | 2 | 50.0% | 6.62% |
| 18 | Evergreen Moneysource Mortgage | B | 6 | 4 | 0.0% | 6.94% |
| 19 | Sunflower Bank | B | 6 | 4 | 0.0% | 6.56% |
| 20 | Synergy One Lending | C | 6 | 4 | 0.0% | 6.19% |
| 21 | Zions Bancorporation | B | 5 | 2 | 60.0% | 6.18% |
| 22 | First Interstate Bank | D | 5 | 1 | 80.0% | 7.75% |
| 23 | Waterstone Mortgage | C | 5 | 5 | 0.0% | 6.38% |
| 24 | WESTMARK Credit Union | B | 5 | 3 | 40.0% | 6.99% |
Best approval odds in Owyhee 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 | 85 | 18.8% |
What Owyhee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Owyhee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 417 | 217 | 24.5% | 7.00% | $195,000 |
| 2024 | 436 | 231 | 24.1% | 7.00% | $185,000 |
| 2025 | 459 | 264 | 16.1% | 6.75% | $205,000 |
Frequently asked questions
16.1% of applications in Owyhee County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 92 applications in 2025 and a denial rate of 17.4%.
The median mortgage application in Owyhee County in 2025 was for $205,000; the median property value on originated loans was $415,000.