Idaho · HMDA 2025
Mortgage lenders in Adams County, ID
80 lenders reported 232 home-loan applications in Adams County in 2025. 123 closed as loans ($39.8M), 33 were denied — a 19.6% denial rate on decided applications, above the Idaho rate of 17.5%. The three most active lenders handled 28% of applications, led by IDAHO CENTRAL CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 232
- Loans originated
- 123
- Purchase / refinance
- 55 / 38
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Adams County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 37 | 15.9% | 17.8% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 17 | 7.3% | 39.5% |
| 3 | Rocket Mortgage, LLC | 12 | 5.2% | — |
| 4 | GUILD MORTGAGE COMPANY | 10 | 4.3% | — |
| 5 | Fairway Independent Mortgage Corporation | 7 | 3.0% | — |
| 6 | Mountain America Federal Credit Union 56 out of 100, Moderate | 7 | 3.0% | 45.0% |
| 7 | Umpqua Bank 64 out of 100, Moderate | 7 | 3.0% | 28.5% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 6 | 2.6% | — |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 2.2% | 14.1% |
| 10 | Mortgage Research Center, LLC | 5 | 2.2% | — |
| 11 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | 2.2% | — |
| 12 | WESTMARK Credit Union 57 out of 100, Moderate | 5 | 2.2% | 20.0% |
| 13 | FREEDOM MORTGAGE CORPORATION | 5 | 2.2% | — |
| 14 | AgWest Farm Credit, FLCA | 4 | 1.7% | — |
| 15 | VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | 1.3% | — |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 1.3% | — |
| 17 | D. L. EVANS BANK | 3 | 1.3% | — |
| 18 | Synergy One Lending, Inc. | 3 | 1.3% | — |
| 19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | 1.3% | — |
| 20 | ROGUE CREDIT UNION 67 out of 100, Moderate | 3 | 1.3% | 13.2% |
| 21 | Idaho First Bank 71 out of 100, Strong | 3 | 1.3% | 25.0% |
| 22 | PIONEER FEDERAL CREDIT UNION 60 out of 100, Moderate | 3 | 1.3% | 9.0% |
| 23 | NEW DAY FINANCIAL, LLC | 3 | 1.3% | — |
| 24 | CMG MORTGAGE, INC. | 2 | 0.9% | — |
| 25 | 21st Mortgage Corporation | 2 | 0.9% | — |
| 26 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.9% | 32.5% |
| 27 | UNITED SHORE FINANCIAL SERVICES, LLC | 2 | 0.9% | — |
| 28 | THE LOAN STORE, INC. | 2 | 0.9% | — |
| 29 | Sierra Pacific Mortgage Company, Inc. | 2 | 0.9% | — |
| 30 | BLUEBIRD HOME LOANS LLC | 2 | 0.9% | — |
| 31 | FIRST COLONY MORTGAGE CORPORATION | 2 | 0.9% | — |
| 32 | Click n' Close, Inc. | 2 | 0.9% | — |
| 33 | Horizon Federally Insured State-Chartered Credit Union | 2 | 0.9% | — |
| 34 | SUMMIT FUNDING, INC. | 2 | 0.9% | — |
| 35 | CAPITAL EDUCATORS FEDERAL CREDIT UNION 49 out of 100, Below average | 2 | 0.9% | 16.0% |
| 36 | Boeing Employees Credit Union 75 out of 100, Strong | 2 | 0.9% | 26.5% |
| 37 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 2 | 0.9% | 74.7% |
| 38 | Coastal Community Bank 35 out of 100, Low | 2 | 0.9% | 3.0% |
| 39 | Magnolia Bank, Incorporated 49 out of 100, Below average | 2 | 0.9% | 10.3% |
| 40 | The Huntington National Bank 59 out of 100, Moderate | 1 | 0.4% | 31.6% |
Top 40 of 80 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Idaho
- Ada County 27,606 apps
- 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