Largest lenders in Valley County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 244 | 146 | 15.6% | 6.88% |
| 2 | U.S. Bank | D | 65 | 37 | 26.2% | 6.63% |
| 3 | Rocket Mortgage | C | 49 | 43 | 4.1% | 6.75% |
| 4 | Fairway Independent Mortgage | B | 48 | 32 | 8.3% | 6.88% |
| 5 | United Shore Financial Services | B | 33 | 26 | 9.1% | 6.19% |
| 6 | Guild Mortgage | A | 31 | 21 | 3.2% | 6.88% |
| 7 | Umpqua Bank | C | 19 | 9 | 26.3% | 8.25% |
| 8 | Guaranteed Rate | B | 18 | 10 | 22.2% | 6.50% |
| 9 | First Federal Savings Bank of Twin Falls | C | 18 | 7 | 0.0% | 6.63% |
| 10 | Pennymac Loan Services | C | 15 | 9 | 13.3% | 6.75% |
| 11 | Broker Solutions | D | 15 | 5 | 13.3% | 6.88% |
| 12 | Evergreen Moneysource Mortgage | B | 15 | 13 | 0.0% | 7.13% |
| 13 | Movement Mortgage | A | 14 | 8 | 14.3% | 6.81% |
| 14 | Loandepot.Com | D | 14 | 8 | 28.6% | 6.00% |
| 15 | Mountain America Federal Credit Union | D | 14 | 7 | 35.7% | 7.13% |
| 16 | Zions Bancorporation | B | 13 | 4 | 38.5% | 6.81% |
| 17 | JPMorgan Chase Bank | B | 12 | 8 | 16.7% | 5.93% |
| 18 | CMG Mortgage | A | 11 | 6 | 18.2% | 7.25% |
| 19 | Churchill Mortgage | B | 11 | 8 | 9.1% | 6.75% |
| 20 | Washington Trust Bank | D | 10 | 5 | 30.0% | 7.38% |
| 21 | Capital Educators Federal Credit Union | C | 10 | 5 | 40.0% | — |
| 22 | Glacier Bank | D | 10 | 6 | 30.0% | 6.38% |
| 23 | Mortgage Research Center | C | 10 | 4 | 30.0% | 6.63% |
| 24 | Premier Mortgage Resources | B | 10 | 8 | 0.0% | 6.94% |
| 25 | Figure Lending | C | 10 | 3 | 40.0% | 7.10% |
Best approval odds in Valley 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 | 234 | 16.2% |
| 2 | U.S. Bank | 54 | 31.5% |
What Valley County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Valley County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 840 | 504 | 13.9% | 7.25% | $405,000 |
| 2024 | 907 | 539 | 17.6% | 7.13% | $355,000 |
| 2025 | 1,076 | 645 | 15.8% | 6.75% | $395,000 |
Frequently asked questions
15.8% of applications in Valley County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 244 applications in 2025 and a denial rate of 15.6%.
The median mortgage application in Valley County in 2025 was for $395,000; the median property value on originated loans was $765,000.