Franklin County, ID Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 774 mortgage applications in Franklin County, ID totaling $211.3 million, up 23% from 2024. The average application was for $273,000, and applicants reported an average income of $122,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was America First Federal Credit Union, with 68 applications, followed by Mountain America Federal Credit Union and United Wholesale Mortgage.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 774
Total Mortgage Loan Application Amount $211,340,000
Average Mortgage Loan Application Amount $273,000
Highest Mortgage Loan Application Amount $1,705,000
Average Applicant Income $122,000
Highest Applicant Income $2,160,000

Mortgage Company List for Lending in Franklin County, ID for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ n/a 68 $ 13,960,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 50 $ 11,890,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 49 $ 15,645,000
Goldenwest Federal Credit Union
5025 ADAMS AVE
OGDEN, UT 84403
* $ n/a 46 $ 9,010,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ n/a 43 $ 10,275,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 42 $ 11,290,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 23 $ 8,245,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 22 $ 6,840,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 21 $ 5,685,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 21 $ 6,215,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ n/a 18 $ 6,310,000
Cache Valley Bank
101 NORTH MAIN
LOGAN, UT 84321
* $ n/a 15 $ 4,515,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 14 $ 4,960,000
Advantage Plus FCU
2133 E CENTER ST.
POCATELLO, ID 83201
* $ n/a 13 $ 3,205,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 11 $ 855,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 11 $ 865,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 11 $ 4,095,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 3,465,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ n/a 10 $ 1,680,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 3,040,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 9 $ 3,805,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 9 $ 3,105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 9 $ 4,605,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ n/a 8 $ 2,170,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 8 $ 3,230,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 8 $ 1,480,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 6 $ 190,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 6 $ 1,920,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 6 $ 2,030,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 6 $ 1,980,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 6 $ 2,490,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 5 $ 495,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ n/a 5 $ 3,145,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 5 $ 2,295,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ n/a 5 $ 715,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 4 $ 1,240,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 4 $ 1,150,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 4 $ 1,270,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 1,260,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 4 $ 1,560,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 4 $ 820,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 4 $ 1,400,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 3 $ 1,255,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 3 $ 845,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 1,265,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 3 $ 1,395,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 3 $ 385,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 3 $ 115,000
Deseret First Credit Union
3999 PARKWAY BOULEVARD
WEST VALLEY CITY, UT 84120
* $ n/a 3 $ 555,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 3 $ 1,015,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ n/a 3 $ 1,165,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 3 $ 1,435,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 3 $ 1,355,000
Bison State Bank
223 MAIN ST
BISON, KS 67520
* $ n/a 2 $ 1,400,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 2 $ 770,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 300,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ n/a 2 $ 840,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 310,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 1,030,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 2 $ 790,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 2 $ 980,000
Pivot Financial Partners, Inc
5935 S ZANG ST., STE 220
LITTLETON, CO 80120
* $ n/a 2 $ 610,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 510,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 2 $ 400,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 2 $ 250,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 2 $ 240,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 180,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 370,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 2 $ 190,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 90,000
Churchill Funding I LLC
3220 WILKINSON BLVD UNIT A4
CHARLOTTE, NC 28203
* $ n/a 2 $ 660,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 290,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ n/a 1 $ 185,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 675,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 345,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 285,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 645,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 1 $ 155,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ n/a 1 $ 425,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ n/a 1 $ 45,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 265,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 1 $ 365,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 125,000
Utah First Credit Union
200 E SOUTH TEMPLE
SALT LAKE CITY, UT 84111
* $ n/a 1 $ 205,000
Connections Credit Union
1150 NORTH 8TH AVENUE
POCATELLO, ID 83201
* $ n/a 1 $ 35,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 1 $ 205,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 125,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 485,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 1 $ 45,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 245,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 1 $ 175,000
Belem Servicing, LLC dba Patriot Home Mortgage
230 N 1680 E
ST GEORGE, UT 84770
* $ n/a 1 $ 345,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ n/a 1 $ 325,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 785,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 405,000
The Bank of Commerce
3113 SOUTH 25TH EAST
AMMON, ID 83406
* $ n/a 1 $ 225,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 135,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 185,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 1 $ 1,705,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 395,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ n/a 1 $ 155,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 205,000
First Federal Savings Bank
303 SHOSHONE ST N
TWIN FALLS, ID 83303
* $ n/a 1 $ 65,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 85,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 65,000

The tables below break down 2025 mortgage applications in Franklin County, ID by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Franklin County, ID in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 309 $110,935,000 $359,000 $1,415,000 $121,000 $725,000
Cash-out Refinancing 165 $39,165,000 $237,000 $1,705,000 $110,000 $600,000
Refinancing 119 $36,885,000 $309,000 $805,000 $154,000 $2,160,000
Other Purpose 102 $15,400,000 $150,000 $1,005,000 $115,000 $741,000
Home Improvement 77 $8,665,000 $112,000 $375,000 $125,000 $400,000
Not Applicable 2 $290,000 $145,000 $145,000 $49,000 $49,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 571 $152,585,000 $267,000 $1,705,000 $124,000 $2,160,000
Not applicable 87 $26,465,000 $304,000 $805,000 $167,000 $661,000
Not Provided 78 $22,810,000 $292,000 $805,000 $114,000 $374,000
Hispanic 36 $8,730,000 $242,000 $1,105,000 $100,000 $323,000
Native Hawaiian or Other Pacific Islander 2 $750,000 $375,000 $375,000 $113,000 $113,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 0 $0 $0 $0 $0 $0
Black or African American 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 605 $149,295,000 $246,000 $1,705,000 $129,000 $2,160,000
FHA-insured (Federal Housing Administration) 104 $35,660,000 $342,000 $525,000 $86,000 $180,000
VA-guaranteed (Veterans Administration) 42 $18,880,000 $449,000 $805,000 $121,000 $223,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 23 $7,505,000 $326,000 $465,000 $87,000 $138,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 402 $105,960,000 $263,000 $1,705,000 $123,000 $741,000
Application Denied By Financial Institution 128 $30,310,000 $236,000 $1,005,000 $102,000 $445,000
Loan Purchased By The Institution 89 $28,835,000 $323,000 $805,000 $177,000 $661,000
Application Withdrawn By Applicant 84 $26,680,000 $317,000 $875,000 $119,000 $436,000
Application Approved But Not Accepted 38 $8,800,000 $231,000 $765,000 $157,000 $2,160,000
File Closed For Incompleteness 33 $10,755,000 $325,000 $1,405,000 $128,000 $600,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 639 $179,135,000 $280,000 $1,705,000 $127,000 $2,160,000
Debt-To-Income Ratio 69 $16,325,000 $236,000 $1,005,000 $78,000 $205,000
Collateral 22 $4,680,000 $212,000 $785,000 $132,000 $305,000
Credit History 19 $2,975,000 $156,000 $785,000 $96,000 $252,000
Other 14 $4,850,000 $346,000 $1,005,000 $134,000 $445,000
Credit Application Incomplete 7 $1,585,000 $226,000 $465,000 $101,000 $165,000
Unverifiable Information 3 $1,365,000 $455,000 $675,000 $259,000 $364,000
Insufficient Cash (Downpayment, Closing Cost) 1 $425,000 $425,000 $425,000 $180,000 $180,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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