Largest lenders in Shoshone County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 68 | 35 | 20.6% | 6.63% |
| 2 | Rocket Mortgage | C | 49 | 33 | 18.4% | 6.99% |
| 3 | Potlatch No. 1 Financial Credit Union | C | 42 | 19 | 23.8% | 7.25% |
| 4 | Willamette Valley Bank | C | 32 | 21 | 18.8% | 6.38% |
| 5 | Glacier Bank | D | 29 | 16 | 17.2% | 6.50% |
| 6 | Loandepot.Com | D | 29 | 17 | 17.2% | 7.38% |
| 7 | U.S. Bank | D | 28 | 10 | 28.6% | 7.10% |
| 8 | United Shore Financial Services | B | 27 | 18 | 25.9% | 6.54% |
| 9 | Guild Mortgage | A | 26 | 25 | 3.9% | 6.75% |
| 10 | Umpqua Bank | C | 20 | 9 | 30.0% | 7.74% |
| 11 | AmeriSave Mortgage | D | 17 | 2 | 82.4% | 6.13% |
| 12 | American Pacific Mortgage | C | 14 | 9 | 0.0% | 6.63% |
| 13 | Numerica Credit Union | D | 13 | 4 | 61.5% | 7.75% |
| 14 | CMG Mortgage | A | 13 | 10 | 0.0% | 6.69% |
| 15 | Evergreen Moneysource Mortgage | B | 13 | 5 | 0.0% | 6.99% |
| 16 | Mortgage Research Center | C | 11 | 3 | 36.4% | 6.25% |
| 17 | Premier Mortgage Resources | B | 11 | 8 | 0.0% | 6.75% |
| 18 | Crosscountry Mortgage | B | 10 | 7 | 0.0% | 6.08% |
| 19 | Guaranteed Rate | B | 10 | 7 | 0.0% | 6.88% |
| 20 | Spokane Teachers | D | 10 | 3 | 30.0% | 5.99% |
| 21 | Pennymac Loan Services | C | 9 | 2 | 33.3% | 5.63% |
| 22 | Highlands Residential Mortgage | B | 9 | 5 | 0.0% | 6.38% |
| 23 | Better Mortgage | F | 7 | 2 | 28.6% | 8.94% |
| 24 | 21st Mortgage | F | 7 | 4 | 28.6% | 10.33% |
| 25 | Freedom Mortgage | B | 7 | 4 | 0.0% | 6.00% |
Best approval odds in Shoshone 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 | 66 | 21.2% |
What Shoshone County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Shoshone County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 579 | 336 | 17.6% | 7.00% | $185,000 |
| 2024 | 615 | 355 | 19.8% | 7.00% | $185,000 |
| 2025 | 720 | 385 | 21.0% | 6.75% | $205,000 |
Frequently asked questions
21.0% of applications in Shoshone County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 68 applications in 2025 and a denial rate of 20.6%.
The median mortgage application in Shoshone County in 2025 was for $205,000; the median property value on originated loans was $325,000.