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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Idaho

Fat Boy Data analyzed cash-out refinance activity in Idaho to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 18,917 applications were decided by 290 lenders between 2023 and 2025.

Idaho at a glance

290Active lenders83 with 20+ decisions
72.1%Market approval rate13,634 of 18,917 decided
$135KTypical loanmedian lender, $10K brackets
90%Borrower take-up12,332 loans funded

How Idaho compares

Approval rate compared
Idaho72.1%All 616 counties68.2%
Typical loan compared
Idaho$135KAll 616 counties$155K

What the data shows

Idaho Central Credit Union made the most cash-out refinances in Idaho, 3,449 of them.

That is 28% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Franklin Loan Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 41.

The typical cash-out refinance here is $135K, 13% smaller than the the United States typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 25% approved of 130Amerisave Mortgage Corporation: 32% approved of 631New Day Financial, LLC: 36% approved of 152Spring Eq, LLC: 36% approved of 73Lakeview Loan Servicing, LLC: 42% approved of 123Carrington Mortgage Services, LLC: 46% approved of 136American Financing Corporation: 50% approved of 129KeyBank National Association: 50% approved of 50New American Funding, LLC: 53% approved of 114Newrez LLC: 57% approved of 276Village Capital & Investment LLC: 57% approved of 56Mutual of Omaha Mortgage, Inc.: 60% approved of 94Numerica Credit Union: 60% approved of 166Quorum Federal Credit Union: 62% approved of 90Idaho Central Credit Union: 66% approved of 6,571Wells Fargo Bank, National Association: 67% approved of 84Washington Trust Bank: 68% approved of 208Mountain America Federal Credit Union: 70% approved of 253Navy Federal Credit Union: 72% approved of 74Zions Bancorporation, N.A.: 73% approved of 121Loandepot.Com, LLC: 73% approved of 413Advantagefirst Lending Inc.: 74% approved of 38American Pacific Mortgage Corporation: 74% approved of 104Frontier Credit Union: 75% approved of 97Glacier Bank: 75% approved of 61GoodLeap, LLC: 76% approved of 194Beehive: 76% approved of 46Freedom Mortgage Corporation: 76% approved of 211Kind Lending, LLC: 77% approved of 48United Wholesale Mortgage, LLC: 78% approved of 667Flagstar Bank, National Association: 79% approved of 140Sofi Bank, N.A.tional Association: 79% approved of 48Pennymac Loan Services, LLC: 79% approved of 294JPMorgan Chase Bank, National Association: 80% approved of 74U.S. Bank National Association: 80% approved of 227Willamette Valley Bank: 81% approved of 106Spokane Teachers: 82% approved of 38Fairway Independent Mortgage Corporation: 83% approved of 148Premier Mortgage Resources, L.L.C.: 83% approved of 113Nationstar Mortgage LLC: 84% approved of 185Capital Educators Federal Credit Union: 85% approved of 257The Federal Savings Bank: 86% approved of 83Rocket Mortgage, LLC: 86% approved of 2,863Primelending, A Plainscapital Company: 86% approved of 44Castle & Cooke Mortgage, LLC: 88% approved of 40WESTMARK Credit Union: 88% approved of 57Guaranteed Rate, Inc.: 89% approved of 93First Technology Federal Credit Union: 90% approved of 49Guild Mortgage Company LLC: 92% approved of 438Sunflower Bank, National Association: 92% approved of 48Planet Home Lending, LLC: 92% approved of 51Academy Mortgage Corporation: 92% approved of 39Cmg Mortgage, Inc.: 93% approved of 73Synergy One Lending, Inc.: 94% approved of 94Crosscountry Mortgage, LLC: 95% approved of 38Evergreen Moneysource Mortgage Company: 96% approved of 67Movement Mortgage, LLC: 97% approved of 94Freedom Northwest Credit Union: 98% approved of 40Pioneer Federal Credit Union: 99% approved of 79Franklin Loan Corporation: 100% approved of 41

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Idaho

LenderApprovalApprovedTaken upTypical loanLoans made
1Idaho Central Credit Union66%4,346 / 6,57179%$95K3,449
2Rocket Mortgage, LLC86%2,466 / 2,86398%$135K2,409
3United Wholesale Mortgage, LLCBroker only78%521 / 66798%$295K509
4Amerisave Mortgage Corporation32%204 / 63198%$85K199
5Guild Mortgage Company LLC92%401 / 43894%$165K377

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 285 more lenders.

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Other lending data for Idaho

Mortgage lenders in IdahoHome improvement loans in IdahoRefinance in IdahoInvestment property purchase in IdahoInvestment cash-out refinance in IdahoInvestment refinance in IdahoInvestment home improvement in Idaho

Counties in Idaho

Ada CountyCountyCanyon CountyCountyKootenai CountyCountyBonneville CountyCounty