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Ada County, Idaho · 2025

Mortgage lenders in Ada County, ID: denial rates and top lenders (2025)

401 lenders acted on 24,066 mortgage applications for properties in Ada County in 2025. 12.1% were denied (Idaho: 14.5%). Median rate on closed loans 6.63%; median loan $315,000; median property value $535,000.

24kApplications
12.1%Denial ratestate 14.5%
6.63%Median ratestate 6.63%
$315,000Median loan
$535,000Median property value

Largest lenders in Ada County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Idaho Central Credit Union A 5,3963,559 13.8%7.00%
2 Rocket Mortgage C 1,192973 9.7%6.63%
3 United Shore Financial Services B 974808 6.2%6.12%
4 Guild Mortgage A 676506 3.3%6.50%
5 U.S. Bank D 615363 23.9%7.25%
6 Premier Mortgage Resources B 556410 1.4%5.99%
7 Mountain America Federal Credit Union D 528261 34.3%7.24%
8 Toll Brothers Mortgage A 512357 6.6%6.13%
9 Pennymac Loan Services C 435289 9.2%6.62%
10 Fairway Independent Mortgage B 431327 5.6%6.49%
11 Movement Mortgage A 389280 5.1%6.50%
12 Capital Educators Federal Credit Union C 364265 13.2%—
13 Loandepot.Com D 353237 12.2%6.63%
14 CMG Mortgage A 329254 2.1%6.50%
15 Guaranteed Rate B 326231 3.1%6.50%
16 Kind Lending C 279207 12.5%6.63%
17 Synergy One Lending C 267217 2.6%6.38%
18 American Pacific Mortgage C 264201 2.7%6.50%
19 Crosscountry Mortgage B 251186 2.8%6.39%
20 Clm Mortgage A 226205 0.9%5.75%
21 Evergreen Moneysource Mortgage B 225191 0.0%6.50%
22 Broker Solutions D 21298 9.0%6.88%
23 The Loan Store B 212169 4.3%6.49%
24 Mortgage Research Center C 20992 15.3%5.99%
25 JPMorgan Chase Bank B 207141 6.3%6.50%

Best approval odds in Ada County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Cornerstone Capital Bank540.0%
2First Colony Mortgage600.0%
3Primelending, a Plainscapital880.0%
4Jmj Financial Group1100.0%
5Evergreen Moneysource Mortgage1960.0%
6Clm Mortgage2160.9%
7Sunflower Bank1011.0%
8Premier Mortgage Resources4181.9%
9Envoy Mortgage512.0%
10CMG Mortgage2892.4%

What Ada County borrowers applied for

By loan purpose

Home purchase 11,330 47% · 5.0% denied
Refinance 2,844 12% · 12.1% denied
Cash-out refinance 4,454 19% · 19.1% denied
Home improvement 3,430 14% · 18.9% denied
Other / HELOC 2,008 8% · 25.1% denied

By loan type

Conventional 20,112 84% · 12.8% denied
FHA 2,063 9% · 9.5% denied
VA 1,879 8% · 7.9% denied
USDA / RHS 12 0% · 16.7% denied

Why applications were denied

Debt-to-income ratio 1,341 47%
Credit history 428 15%
Collateral 368 13%
Incomplete application 320 11%
Other 194 7%
Unverifiable information 111 4%
Insufficient cash 56 2%
Employment history 22 1%

Ada County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202318,41811,80514.6%6.99%$265,000
202420,43713,40913.7%6.88%$295,000
202524,06616,03612.1%6.63%$315,000

Frequently asked questions

12.1% of applications in Ada County were denied in 2025, against 14.5% statewide in Idaho.

Idaho Central Credit Union, with 5,396 applications in 2025 and a denial rate of 13.8%.

The median mortgage application in Ada County in 2025 was for $315,000; the median property value on originated loans was $535,000.