Largest lenders in Washington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | A | 63 | 40 | 14.3% | 7.19% |
| 2 | Guild Mortgage | A | 39 | 32 | 5.1% | 6.44% |
| 3 | Rocket Mortgage | C | 27 | 21 | 18.5% | 6.50% |
| 4 | Umpqua Bank | C | 21 | 12 | 33.3% | 8.38% |
| 5 | Horizon Federally Insured State-Chartered Credit Union | C | 21 | 7 | 47.6% | 2.99% |
| 6 | First Colony Mortgage | A | 18 | 16 | 0.0% | 6.38% |
| 7 | Zions Bancorporation | B | 17 | 9 | 23.5% | 7.00% |
| 8 | U.S. Bank | D | 15 | 6 | 46.7% | 8.03% |
| 9 | Rogue Credit Union | C | 15 | 9 | 26.7% | 7.74% |
| 10 | Mortgage Research Center | C | 11 | 7 | 0.0% | 6.25% |
| 11 | Fairway Independent Mortgage | B | 9 | 4 | 11.1% | 6.56% |
| 12 | Freedom Mortgage | B | 9 | 5 | 11.1% | 5.75% |
| 13 | Premier Mortgage Resources | B | 9 | 7 | 0.0% | 6.38% |
| 14 | Loandepot.Com | D | 9 | 5 | 33.3% | 7.88% |
| 15 | Pennymac Loan Services | C | 8 | 5 | 0.0% | 5.63% |
| 16 | United Shore Financial Services | B | 7 | 4 | 14.3% | 5.63% |
| 17 | Willamette Valley Bank | C | 7 | 3 | 57.1% | 7.38% |
| 18 | D. L. Evans Bank | D | 7 | 6 | 0.0% | — |
| 19 | New Day Financial | F | 6 | 1 | 0.0% | 6.49% |
| 20 | AmeriSave Mortgage | D | 5 | 2 | 60.0% | 8.13% |
| 21 | Movement Mortgage | A | 5 | 4 | 0.0% | 7.00% |
| 22 | Figure Lending | C | 5 | 1 | 80.0% | 8.40% |
Best approval odds in Washington 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 | 59 | 15.3% |
What Washington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 424 | 227 | 20.5% | 7.00% | $165,000 |
| 2024 | 417 | 236 | 19.7% | 6.99% | $205,000 |
| 2025 | 466 | 284 | 17.8% | 6.63% | $190,000 |
Frequently asked questions
17.8% of applications in Washington County were denied in 2025, against 14.5% statewide in Idaho.
Idaho Central Credit Union, with 63 applications in 2025 and a denial rate of 14.3%.
The median mortgage application in Washington County in 2025 was for $190,000; the median property value on originated loans was $335,000.