Idaho · HMDA 2025
Mortgage lenders in Ada County, ID
406 lenders reported 27,606 home-loan applications in Ada County in 2025. 16,036 closed as loans ($5.9B), 2,916 were denied — a 14.4% denial rate on decided applications, below the Idaho rate of 17.5%. The three most active lenders handled 29% of applications, led by IDAHO CENTRAL CREDIT UNION. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 27,606
- Loans originated
- 16,036
- Purchase / refinance
- 8,653 / 4,126
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ada County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 5,396 | 19.5% | 17.8% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 1,282 | 4.6% | — |
| 3 | Rocket Mortgage, LLC | 1,209 | 4.4% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 974 | 3.5% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 698 | 2.5% | 14.1% |
| 6 | GUILD MORTGAGE COMPANY | 677 | 2.5% | — |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 676 | 2.4% | 39.5% |
| 8 | PREMIER MORTGAGE RESOURCES, L.L.C. | 556 | 2.0% | — |
| 9 | Mountain America Federal Credit Union 56 out of 100, Moderate | 528 | 1.9% | 45.0% |
| 10 | TOLL BROTHERS MORTGAGE COMPANY | 512 | 1.9% | — |
| 11 | NEWREZ LLC | 445 | 1.6% | — |
| 12 | Fairway Independent Mortgage Corporation | 438 | 1.6% | — |
| 13 | NATIONSTAR MORTGAGE LLC | 416 | 1.5% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 399 | 1.4% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 389 | 1.4% | — |
| 16 | GUARANTEED RATE, INC. | 369 | 1.3% | — |
| 17 | CAPITAL EDUCATORS FEDERAL CREDIT UNION 49 out of 100, Below average | 364 | 1.3% | 16.0% |
| 18 | CMG MORTGAGE, INC. | 360 | 1.3% | — |
| 19 | Loandepot.Com, LLC | 354 | 1.3% | — |
| 20 | FIGURE LENDING LLC | 284 | 1.0% | — |
| 21 | KIND LENDING, LLC | 280 | 1.0% | — |
| 22 | Synergy One Lending, Inc. | 267 | 1.0% | — |
| 23 | AMERICAN PACIFIC MORTGAGE CORPORATION | 264 | 1.0% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 251 | 0.9% | — |
| 25 | CLM MORTGAGE, INC. | 226 | 0.8% | — |
| 26 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 225 | 0.8% | — |
| 27 | Broker Solutions, Inc. | 212 | 0.8% | — |
| 28 | THE LOAN STORE, INC. | 212 | 0.8% | — |
| 29 | Mortgage Research Center, LLC | 209 | 0.8% | — |
| 30 | PHH Mortgage Corporation | 209 | 0.8% | — |
| 31 | SPRING EQ, LLC | 205 | 0.7% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 199 | 0.7% | — |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 187 | 0.7% | 32.9% |
| 34 | LENNAR MORTGAGE, LLC | 186 | 0.7% | — |
| 35 | WESTMARK Credit Union 57 out of 100, Moderate | 180 | 0.7% | 20.0% |
| 36 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 179 | 0.6% | 30.7% |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 173 | 0.6% | 44.7% |
| 38 | Waterstone Mortgage Corporation | 165 | 0.6% | — |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 161 | 0.6% | 32.5% |
| 40 | LAKEVIEW LOAN SERVICING, LLC | 160 | 0.6% | — |
Top 40 of 406 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Idaho
- Canyon County 15,449 apps
- Kootenai County 10,451 apps
- Bonneville County 6,658 apps
- Twin Falls County 4,638 apps
- Bannock County 4,192 apps
- Bonner County 3,139 apps
- Bingham County 2,229 apps
- Jefferson County 1,848 apps
- Elmore County 1,741 apps
- Nez Perce County 1,664 apps
- Payette County 1,570 apps
- Madison County 1,326 apps