Mortgage lending in Ada County, Idaho
Lenders in Ada County, Idaho reported 24,066 mortgage applications for 2025, according to the CFPB.
24,066 mortgage applications and 16,036 loans originated in 2025; the denial rate was 14.4% of 20,292 applications decided. The median loan was about $335,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Boise City, ID HUD Metro FMR Area.
- 24,066
- Applications
- 16,036
- Loans originated
- 14.4%
- Denial rate
- 2,916 denied of 20,292 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 24,066 | 16,036 |
| 2024 | 20,437 | 13,409 |
| 2023 | 18,418 | 11,805 |
| 2022 | 30,014 | 20,172 |
| 2021 | 59,337 | 42,533 |
| 2020 | 61,922 | 43,329 |
| 2019 | 40,503 | 27,769 |
| 2018 | 31,539 | 21,433 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Idaho Central Credit Union | 3,559 | 5,396 |
| Rocket Mortgage | 973 | 1,192 |
| United Wholesale Mortgage | 808 | 974 |
| Guild Mortgage Company | 506 | 676 |
| Premier Mortgage Resources, LLC | 410 | 556 |
| US Bank, N.A. | 363 | 615 |
| Toll Brothers Mortgage Company | 357 | 512 |
| Fairway Independent Mort Corp | 327 | 431 |
| Pennymac Loan Services LLC | 289 | 435 |
| Movement Mortgage, LLC | 280 | 389 |
| Capital Educators Fed Cu | 265 | 364 |
| Mountain America Federal Credit Union | 261 | 528 |
| CMG Mortgage Inc | 254 | 329 |
| loanDepot.com LLC | 237 | 353 |
| Guaranteed Rate, Inc. | 231 | 326 |
| Synergy One Lending, Inc. | 217 | 267 |
| Kind Lending, LLC | 207 | 279 |
| CLM Mortgage, Inc | 205 | 226 |
| American Pacific Mortgage Corporation | 201 | 264 |
| Evergreen Moneysource Mortgage Company | 191 | 225 |
| Crosscountry Mortgage, LLC | 186 | 251 |
| The Loan Store, Inc | 169 | 212 |
| Lennar Mortgage, LLC | 145 | 186 |
| JPMorgan Chase Bank, NA | 141 | 207 |
| Waterstone Mortgage Corporation | 132 | 165 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 106 | 23.9% of 88 decided |
| Asian | 766 | 13.2% of 639 decided |
| Black or African American | 164 | 28.1% of 139 decided |
| Native Hawaiian or Other Pacific Islander | 44 | no rate: base under 50 |
| White | 18,156 | 13.9% of 15,502 decided |
| 2 or more minority races | withheld | |
| Joint | 710 | 12.8% of 604 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 4,092 | 16.0% of 3,258 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,163 | 19.0% of 973 decided |
| Not Hispanic or Latino | 17,918 | 13.9% of 15,309 decided |
| Joint | withheld | |
| Ethnicity Not Available | 4,166 | 15.3% of 3,306 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,639 | 16.9% of 5,561 decided |
| Female | 4,359 | 17.4% of 3,677 decided |
| Joint | 10,729 | 10.7% of 9,237 decided |
| Sex Not Available | 2,339 | 19.5% of 1,817 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 182 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved