Mortgage lenders in Ada County
16,030 mortgages were made in Ada County, Idaho, in 2025, by 412 lenders. The median rate their borrowers got was 6.625% on a median loan of $335,000. Of 20,286 decisions, 2,916 were denials — 14.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 3,559 | 7.000% | $185,000 | 14.8% |
| Rocket Mortgage, LLC | 973 | 6.625% | $315,000 | 10.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 808 | 6.124% | $425,000 | 6.8% |
| GUILD MORTGAGE COMPANY | 506 | 6.500% | $375,000 | 4.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 410 | 5.875% | $410,000 | 1.9% |
| U.S. Bank National Association | 363 | 7.250% | $255,000 | 28.5% |
| TOLL BROTHERS MORTGAGE COMPANY | 357 | 6.125% | $405,000 | 7.2% |
| Fairway Independent Mortgage Corporation | 327 | 6.490% | $385,000 | 6.8% |
| PENNYMAC LOAN SERVICES, LLC | 289 | 6.624% | $385,000 | 11.7% |
| MOVEMENT MORTGAGE, LLC | 280 | 6.500% | $405,000 | 5.9% |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | 265 | Not published | $105,000 | 15.2% |
| Mountain America Federal Credit Union | 261 | 7.240% | $135,000 | 40.7% |
| CMG MORTGAGE, INC. | 254 | 6.500% | $460,000 | 2.4% |
| Loandepot.Com, LLC | 237 | 6.625% | $355,000 | 15.1% |
| GUARANTEED RATE, INC. | 231 | 6.500% | $405,000 | 4.1% |
| Synergy One Lending, Inc. | 217 | 6.375% | $405,000 | 3.1% |
| KIND LENDING, LLC | 207 | 6.625% | $415,000 | 14.3% |
| CLM MORTGAGE, INC. | 205 | 5.750% | $395,000 | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 201 | 6.500% | $375,000 | 3.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 191 | 6.500% | $395,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 186 | 6.388% | $425,000 | 3.6% |
| THE LOAN STORE, INC. | 169 | 6.490% | $375,000 | 4.6% |
| LENNAR MORTGAGE, LLC | 145 | 4.875% | $395,000 | 8.2% |
| JPMorgan Chase Bank, National Association | 141 | 6.500% | $385,000 | 8.3% |
| Waterstone Mortgage Corporation | 132 | 6.250% | $395,000 | 2.9% |
| NATIONSTAR MORTGAGE LLC | 130 | 8.500% | $95,000 | 13.6% |
| HOMEAMERICAN MORTGAGE CORPORATION | 118 | 4.999% | $435,000 | 8.8% |
| Zions Bancorporation, N.A. | 112 | 6.490% | $305,000 | 19.7% |
| JMJ FINANCIAL GROUP | 110 | 6.500% | $415,000 | 0.0% |
| Navy Federal Credit Union | 105 | 7.750% | $205,000 | 22.6% |
| WESTMARK Credit Union | 104 | 6.990% | $75,000 | 23.7% |
| PIONEER FEDERAL CREDIT UNION | 102 | 7.125% | $205,000 | 4.6% |
| Sunflower Bank, National Association | 100 | 6.490% | $395,000 | 1.0% |
| Broker Solutions, Inc. | 98 | 6.875% | $410,000 | 16.0% |
| FREEDOM MORTGAGE CORPORATION | 98 | 6.000% | $410,000 | 5.0% |
| D. L. EVANS BANK | 97 | Not published | $245,000 | 20.2% |
| Mortgage Research Center, LLC | 92 | 5.990% | $455,000 | 25.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 81 | 6.500% | $385,000 | 0.0% |
| Horizon Federally Insured State-Chartered Credit Union | 80 | 2.990% | $95,000 | 33.9% |
| CHURCHILL MORTGAGE CORPORATION | 79 | 6.625% | $405,000 | 6.5% |
| First Interstate Bank | 78 | 8.250% | $105,000 | 22.0% |
| FIGURE LENDING LLC | 75 | 8.575% | $65,000 | 25.2% |
| Washington Trust Bank | 74 | 7.500% | $230,000 | 29.5% |
| SPRING EQ, LLC | 72 | 8.925% | $90,000 | 57.4% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 71 | 7.375% | $165,000 | 11.0% |
| BLUEBIRD HOME LOANS LLC | 69 | 6.625% | $355,000 | 5.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 68 | 6.188% | $290,000 | 11.4% |
| KeyBank National Association | 67 | 6.875% | $335,000 | 26.3% |
| Glacier Bank | 67 | 7.375% | $255,000 | 24.7% |
| NEWREZ LLC | 66 | 6.875% | $350,000 | 30.2% |
| Bank of America, National Association | 65 | 6.240% | $265,000 | 38.3% |
| Plains Commerce Bank | 64 | 6.375% | $485,000 | 4.5% |
| AMERICA FIRST Federal Credit Union | 63 | 6.990% | $105,000 | 23.6% |
| FIRST COLONY MORTGAGE CORPORATION | 59 | 6.499% | $485,000 | 0.0% |
| Wells Fargo Bank, National Association | 58 | 6.250% | $355,000 | 19.2% |
| First Federal Savings Bank of Twin Falls | 57 | 6.875% | $335,000 | 24.0% |
| CORNERSTONE CAPITAL BANK, SSB | 54 | 5.375% | $435,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 52 | 7.790% | $150,000 | 14.3% |
| ENVOY MORTGAGE, LTD | 50 | 6.625% | $430,000 | 2.0% |
| UNION HOME MORTGAGE CORP. | 48 | 6.438% | $420,000 | 9.4% |
| SUMMIT FUNDING, INC. | 48 | 6.500% | $425,000 | 2.0% |
| MY MOVE MORTGAGE, LLC | 48 | 6.063% | $405,000 | 0.0% |
| AmeriSave Mortgage Corporation | 45 | 8.500% | $115,000 | 61.3% |
| Connections Credit Union | 42 | 7.500% | $125,000 | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 41 | 6.750% | $425,000 | 17.5% |
| LOWER, LLC | 40 | 6.562% | $360,000 | 2.4% |
| BETTER MORTGAGE CORPORATION | 36 | 7.313% | $280,000 | 25.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 36 | 6.250% | $430,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 34 | 6.058% | $375,000 | 51.0% |
| GOLDENWEST | 34 | 7.500% | $180,000 | 29.6% |
| KBHS HOME LOANS, LLC | 34 | 5.875% | $405,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 32 | 8.730% | $95,000 | 25.9% |
| Willamette Valley Bank | 30 | 6.433% | $390,000 | 16.2% |
| HOMEXPRESS MORTGAGE CORP. | 30 | 7.313% | $405,000 | 28.6% |
| Paramount Residential Mortgage Group, Inc. | 30 | 6.125% | $385,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 30 | 6.433% | $415,000 | 0.0% |
| Texana Bank, National Association | 28 | 6.188% | $395,000 | 3.2% |
| Lendage, LLC | 28 | 10.813% | $60,000 | 6.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 28 | 6.625% | $375,000 | 0.0% |
| Banner Bank | 27 | 7.240% | $105,000 | 30.0% |
| MORTGAGE ACCESS CORP. | 26 | 6.495% | $420,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 26 | 9.700% | $115,000 | 6.9% |
| Morgan Stanley Private Bank, National Association | 26 | 5.888% | $665,000 | 7.1% |
| FINANCE OF AMERICA REVERSE LLC | 26 | 6.435% | $230,000 | 10.3% |
| Coastal Community Bank | 24 | 7.990% | $65,000 | 3.7% |
| NBKC BANK | 24 | 6.125% | $535,000 | 10.7% |
| PNC Bank, National Association | 22 | 5.990% | $205,000 | 35.3% |
| Summit Mortgage Corporation | 22 | 6.625% | $405,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 21 | 7.125% | $405,000 | 16.0% |
| Shea Mortgage Inc. | 21 | 6.625% | $455,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 20 | 6.188% | $355,000 | 4.8% |
| NexBank | 20 | 6.063% | $350,000 | 0.0% |
| Tomo Mortgage, LLC | 19 | 6.125% | $385,000 | 9.1% |
| GoodLeap, LLC | 19 | 6.850% | $95,000 | 27.3% |
| RESIDENTIAL MORTGAGE, LLC | 19 | 6.490% | $365,000 | 29.6% |
| AMERITRUST MORTGAGE CORPORATION | 19 | 7.375% | $545,000 | 0.0% |
| Valon Mortgage, Inc. | 19 | 8.500% | $75,000 | 8.7% |
| BAY EQUITY LLC | 18 | 6.875% | $365,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.500% | $410,000 | 0.0% |
| Charles Schwab Bank, SSB | 18 | 5.600% | $655,000 | 0.0% |
| Stifel Bank and Trust | 18 | 6.125% | $435,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | 6.499% | $355,000 | 53.7% |
| RIGHT START MORTGAGE, INC. | 17 | 6.375% | $365,000 | 15.0% |
| A&D Mortgage LLC | 17 | 6.625% | $325,000 | 10.5% |
| DEEPHAVEN MORTGAGE LLC | 17 | 7.374% | $265,000 | 32.0% |
| Sierra Pacific Mortgage Company, Inc. | 17 | 6.625% | $425,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 16 | 6.250% | $475,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 16 | 7.188% | $310,000 | 5.3% |
| CHAMPIONS FUNDING, LLC | 16 | 8.062% | $360,000 | 19.1% |
| Kiavi Funding, Inc. | 16 | 10.740% | $400,000 | 0.0% |
| Archwest Funding | 16 | 8.633% | $365,000 | 0.0% |
| Discover Bank | 15 | 8.680% | $75,000 | 80.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 15 | 6.490% | $605,000 | 57.1% |
| Umpqua Bank | 15 | 6.875% | $455,000 | 28.6% |
| Equity Prime Mortgage LLC | 15 | 6.875% | $415,000 | 11.8% |
| USAA Federal Savings Bank | 14 | 6.125% | $455,000 | 44.0% |
| The Federal Savings Bank | 14 | 6.188% | $415,000 | 5.9% |
| 254900M2C4Q6DATP2889 | 14 | 6.125% | $330,000 | 17.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 14 | 5.688% | $370,000 | 0.0% |
| Potlatch No. 1 Financial Credit Union | 14 | 7.438% | $270,000 | 22.2% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.875% | $240,000 | 22.2% |
| PLANET HOME LENDING, LLC | 14 | 6.313% | $375,000 | 22.2% |
| OCMBC, INC. | 14 | 6.688% | $425,000 | 6.3% |
| QUORUM FEDERAL CREDIT UNION | 13 | 8.125% | $175,000 | 39.3% |
| OriginPoint, LLC | 13 | 6.625% | $415,000 | 7.1% |
| GTE Federal Credit Union | 13 | 9.000% | $195,000 | 13.3% |
| AMERICAN FINANCING CORPORATION | 12 | 6.563% | $190,000 | 52.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 12 | 6.563% | $390,000 | 20.0% |
| Firefighters First Federal Credit Union | 12 | 7.625% | $150,000 | 7.7% |
| TECHNOLOGY CREDIT UNION | 12 | 7.500% | $155,000 | 25.0% |
| ROGUE CREDIT UNION | 12 | 7.433% | $125,000 | 7.7% |
| GENEVA FINANCIAL, LLC | 12 | 6.188% | $430,000 | 0.0% |
| BMO Bank National Association | 11 | 8.430% | $385,000 | 57.7% |
| INTERCAP LENDING INC. | 11 | 6.750% | $405,000 | 15.4% |
| GEORGIA'S OWN | 11 | 8.000% | $255,000 | 8.3% |
| Boeing Employees Credit Union | 10 | 5.990% | $155,000 | 35.3% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.063% | $350,000 | 41.2% |
| First Federal Bank | 10 | 6.313% | $255,000 | 0.0% |
| RESICENTRAL, LLC | 10 | 6.120% | $345,000 | 9.1% |
| 1st Security Bank of Washington | 10 | 6.688% | $365,000 | 16.7% |
| CANOPY MORTGAGE, LLC | 10 | 6.125% | $560,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 10 | 6.750% | $345,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 14.3% |
| Citadel Servicing Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BEEHIVE | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ALAMEDA MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 83.3% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 31.3% |
| Farmers Bank & Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CATHOLIC CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| WASHINGTON FEDERAL BANK | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 11.1% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EAST IDAHO Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GESA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 212 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Ada County
107 FDIC-insured branches from 23 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| U.S. Bank National Association | 17 | $3.4 billion |
| Wells Fargo Bank, National Association | 11 | $3.2 billion |
| JPMorgan Chase Bank, National Association | 10 | $1.3 billion |
| First Interstate Bank | 10 | $803.2 million |
| KeyBank National Association | 8 | $968.1 million |
| D. L. Evans Bank | 8 | $650.6 million |
| Glacier Bank | 8 | $494.1 million |
| WaFd Bank | 6 | $481.6 million |
| Zions Bancorporation, N.A. | 4 | $1.1 billion |
| Washington Trust Bank | 4 | $972.4 million |
| Banner Bank | 3 | $307.4 million |
| Bank of America, National Association | 3 | $160.4 million |
| Idaho First Bank | 2 | $910.0 million |
| BMO Bank National Association | 2 | $184.4 million |
| First Federal Savings Bank of Twin Falls | 2 | $180.0 million |
| Columbia Bank | 2 | $101.2 million |
| Northwest Bank | 1 | $313.1 million |
| Sunwest Bank | 1 | $209.1 million |
| Idaho Trust Bank | 1 | $208.3 million |
| Heritage Bank | 1 | $24.6 million |
| NBH Bank | 1 | $9.2 million |
| Bell Bank | 1 | $0 |
| Davidson Trust Co. | 1 | $0 |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Glacier Bank, 999 W Main St, Ste 101, Boise
- NBH Bank, 802 W Bannock St, Ste 1100, Boise
- Washington Federal Bank, 9780 W Fairview Ave, Boise
Get told when this changes
When the next year’s lending figures are out for Ada County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.