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Top home equity lenders in Idaho (2025)

Open-end home equity lines of credit. Denial rates run far higher on HELOCs than on purchase mortgages, so compare these lenders only with each other.

90kApplications in ID
17.5%State decision denial rate
6.63%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
Idaho ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeHELOC applicationsApplicationsDenial rateMedian rate
1 U.S. BankCincinnati, OH D 633 2,161 28.6% 7.35%
2 Mountain America Federal Credit UnionSandy, UT D 479 2,323 37.7% 7.24%
3 Spring EqConshohocken, PA D 365 667 47.1% 8.80%
4 BeehiveRexburg, ID C 351 585 15.4% 7.25%
5 Loandepot.ComIrvine, CA D 348 1,622 14.2% 6.50%
6 Figure LendingCharlotte, NC C 347 539 27.8% 8.70%
7 Pennymac Loan ServicesWestlake Village, CA C 336 1,297 10.8% 6.50%
8 Potlatch No. 1 Financial Credit UnionLewiston, ID C 332 903 11.6% 7.50%
9 Coastal Community BankEverett, WA C 274 460 1.7% 10.49%
10 Nationstar MortgageCoppell, TX C 228 551 13.6% 8.25%
11 Zions BancorporationSalt Lake City, UT B 225 861 21.1% 6.49%
12 Pioneer Federal Credit UnionMountain Home, ID B 213 609 7.1% 7.50%
13 First Federal Savings Bank of Twin FallsTwin Falls, ID C 212 1,250 14.2% 6.92%
14 D. L. Evans BankBurley, ID D 207 755 15.2% —
15 Sofi BankCottonwood Heights, UT D 191 323 11.5% 7.79%
16 Spokane TeachersLiberty Lake, WA D 186 730 24.9% 7.49%
17 Discover BankGreenwood, DE F 177 350 57.4% 8.80%
18 Glacier BankKalispell, MT D 138 1,507 14.5% 6.88%
19 Capital Educators Federal Credit UnionMeridian, ID C 132 567 13.4% —
20 Navy Federal Credit UnionVienna, VA D 130 561 17.3% 7.34%
21 Better MortgageNew York, NY F 128 245 29.4% 7.50%
22 AMERICA FIRST Federal Credit UnionRiverdale, UT C 120 451 21.7% 6.99%
23 Umpqua BankLake Oswego, OR C 116 472 24.8% 8.00%
24 Horizon Federally Insured State-Chartered Credit UnionSpokane Valley, WA C 113 328 33.5% 2.99%
25 Rocket MortgagePlymouth, MI C 112 4,391 13.3% 6.63%
26 Washington Trust BankSpokane, WA D 106 468 24.6% 7.50%
27 Bank of AmericaCharlotte, NC F 104 451 29.5% 6.06%
28 Broker SolutionsTustin, CA D 100 729 10.3% 6.75%
29 Connections Credit UnionPocatello, ID A 99 223 0.9% 7.50%
30 Movement MortgageLancaster, SC A 96 1,130 5.8% 6.50%
31 Lakeview Loan ServicingCoral Gables, FL C 91 399 41.6% 6.13%
32 Numerica Credit UnionSpokane Valley, WA D 85 407 31.9% 7.75%
33 The Loan StoreSan Francisco, CA B 76 540 5.4% 6.63%
34 JPMorgan Chase BankColumbus, OH B 73 521 9.4% 6.63%
35 GoldenwestOgden, UT B 69 354 21.8% 7.50%
36 KeyBankCleveland, OH C 68 327 27.5% 6.63%
37 Homebridge Financial ServicesIselin, NJ B 66 121 9.9% 10.39%
38 Mutual of Omaha MortgageSan Diego, CA C 60 346 16.2% 6.25%
39 Guaranteed RateChicago, IL B 60 984 5.3% 6.58%
40 LendageSan Mateo, CA B 59 96 10.4% 11.13%
41 Crosscountry MortgageCleveland, OH B 51 705 3.0% 6.45%
42 First Interstate BankBillings, MT D 49 351 21.7% 8.25%
43 Rogue Credit UnionMedford, OR C 45 129 14.7% 7.49%
44 Banner BankWalla Walla, WA D 45 228 25.9% 6.74%
45 Freedom Northwest Credit UnionKamiah, ID A 44 376 0.0% —
46 First Technology Federal Credit UnionSan Jose, CA B 40 127 10.2% 7.31%
47 Finance of America ReverseTulsa, OK C 40 153 9.8% 6.50%
48 Mission LoansColumbus, OH D 39 85 1.2% 7.75%
49 Georgia'S OwnAtlanta, GA F 37 57 14.0% 8.25%
50 Boeing Employees Credit UnionTukwila, WA B 36 254 16.1% 6.25%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.