Home purchase lenders in Ada County
8,650 home purchase mortgages were made in Ada County, Idaho, in 2025, by 325 lenders. The median rate their borrowers got was 6.375% on a median loan of $415,000. Of 9,765 decisions, 571 were denials — 5.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 1,089 | 6.375% | $385,000 | 5.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 543 | 6.125% | $415,000 | 3.5% |
| GUILD MORTGAGE COMPANY | 400 | 6.375% | $390,000 | 2.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 372 | 5.750% | $415,000 | 1.1% |
| TOLL BROTHERS MORTGAGE COMPANY | 357 | 6.125% | $405,000 | 7.2% |
| Rocket Mortgage, LLC | 355 | 6.250% | $415,000 | 6.3% |
| Fairway Independent Mortgage Corporation | 267 | 6.490% | $405,000 | 4.3% |
| MOVEMENT MORTGAGE, LLC | 210 | 6.500% | $420,000 | 3.2% |
| CMG MORTGAGE, INC. | 206 | 6.500% | $475,000 | 3.0% |
| CLM MORTGAGE, INC. | 205 | 5.750% | $395,000 | 0.9% |
| Synergy One Lending, Inc. | 188 | 6.375% | $405,000 | 2.6% |
| GUARANTEED RATE, INC. | 180 | 6.500% | $415,000 | 1.6% |
| KIND LENDING, LLC | 171 | 6.500% | $425,000 | 11.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 166 | 6.625% | $395,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 163 | 6.500% | $385,000 | 1.8% |
| U.S. Bank National Association | 149 | 6.375% | $425,000 | 7.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 146 | 6.350% | $435,000 | 1.4% |
| LENNAR MORTGAGE, LLC | 145 | 4.875% | $395,000 | 7.6% |
| Loandepot.Com, LLC | 135 | 6.250% | $395,000 | 4.2% |
| PENNYMAC LOAN SERVICES, LLC | 133 | 6.499% | $425,000 | 6.9% |
| THE LOAN STORE, INC. | 124 | 6.375% | $395,000 | 2.9% |
| Waterstone Mortgage Corporation | 120 | 6.250% | $395,000 | 2.4% |
| HOMEAMERICAN MORTGAGE CORPORATION | 118 | 4.999% | $435,000 | 8.8% |
| JMJ FINANCIAL GROUP | 101 | 6.500% | $415,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 88 | 6.490% | $450,000 | 7.3% |
| Mortgage Research Center, LLC | 78 | 5.990% | $465,000 | 7.1% |
| Sunflower Bank, National Association | 78 | 6.490% | $395,000 | 0.0% |
| Broker Solutions, Inc. | 74 | 6.625% | $465,000 | 3.9% |
| CHURCHILL MORTGAGE CORPORATION | 67 | 6.625% | $405,000 | 2.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 61 | 6.490% | $415,000 | 0.0% |
| BLUEBIRD HOME LOANS LLC | 58 | 6.625% | $355,000 | 1.7% |
| Plains Commerce Bank | 57 | 6.250% | $475,000 | 3.4% |
| FIRST COLONY MORTGAGE CORPORATION | 57 | 6.499% | $485,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 53 | 5.375% | $435,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 50 | 6.625% | $430,000 | 0.0% |
| Mountain America Federal Credit Union | 48 | 6.375% | $400,000 | 27.3% |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | 47 | Not published | $375,000 | 2.1% |
| MY MOVE MORTGAGE, LLC | 45 | 6.000% | $405,000 | 0.0% |
| SUMMIT FUNDING, INC. | 41 | 6.500% | $425,000 | 2.4% |
| UNION HOME MORTGAGE CORP. | 38 | 6.375% | $435,000 | 11.6% |
| Wells Fargo Bank, National Association | 37 | 6.375% | $425,000 | 19.2% |
| Navy Federal Credit Union | 36 | 6.000% | $485,000 | 12.2% |
| First Federal Savings Bank of Twin Falls | 35 | 6.750% | $395,000 | 10.3% |
| KBHS HOME LOANS, LLC | 34 | 5.875% | $405,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 32 | 8.730% | $95,000 | 26.3% |
| KeyBank National Association | 32 | 6.375% | $595,000 | 11.1% |
| PIONEER FEDERAL CREDIT UNION | 32 | 5.875% | $405,000 | 3.0% |
| Zions Bancorporation, N.A. | 29 | 6.125% | $420,000 | 12.8% |
| LOWER, LLC | 29 | 6.375% | $395,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 28 | 6.250% | $385,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 27 | 6.375% | $455,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 27 | 6.375% | $395,000 | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 26 | 6.625% | $445,000 | 9.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 26 | 6.433% | $400,000 | 0.0% |
| MORTGAGE ACCESS CORP. | 25 | 6.500% | $415,000 | 0.0% |
| Bank of America, National Association | 25 | 6.250% | $365,000 | 13.8% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 25 | 6.625% | $385,000 | 0.0% |
| NEWREZ LLC | 24 | 6.688% | $455,000 | 19.4% |
| Willamette Valley Bank | 24 | 6.563% | $390,000 | 4.0% |
| Glacier Bank | 23 | 6.563% | $395,000 | 11.5% |
| Texana Bank, National Association | 23 | 6.125% | $385,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 23 | 7.250% | $405,000 | 11.5% |
| D. L. EVANS BANK | 22 | Not published | $440,000 | 4.2% |
| Shea Mortgage Inc. | 21 | 6.625% | $455,000 | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 21 | 6.750% | $365,000 | 0.0% |
| Tomo Mortgage, LLC | 19 | 6.125% | $385,000 | 9.1% |
| NBKC BANK | 17 | 6.125% | $565,000 | 5.6% |
| Commerce Home Mortgage, Inc. | 16 | 7.250% | $420,000 | 20.0% |
| NexBank | 16 | 6.000% | $345,000 | 0.0% |
| RIGHT START MORTGAGE, INC. | 16 | 6.375% | $355,000 | 11.1% |
| BAY EQUITY LLC | 16 | 6.875% | $365,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 16 | 6.500% | $410,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 16 | 5.975% | $630,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 15 | 6.490% | $605,000 | 57.1% |
| NATIONS DIRECT MORTGAGE, LLC | 15 | 6.250% | $475,000 | 0.0% |
| Kiavi Funding, Inc. | 15 | 10.990% | $395,000 | 0.0% |
| Summit Mortgage Corporation | 15 | 6.625% | $385,000 | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 15 | 6.500% | $365,000 | 6.3% |
| BETTER MORTGAGE CORPORATION | 14 | 6.625% | $570,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 14 | 6.625% | $420,000 | 0.0% |
| Charles Schwab Bank, SSB | 14 | 5.425% | $515,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.625% | $445,000 | 7.1% |
| EVERETT FINANCIAL, INC. | 13 | 6.250% | $335,000 | 0.0% |
| Washington Trust Bank | 12 | 6.875% | $410,000 | 29.4% |
| OriginPoint, LLC | 12 | 6.625% | $420,000 | 7.7% |
| LENDSURE MORTGAGE CORP. | 12 | 7.062% | $305,000 | 7.7% |
| Archwest Funding | 12 | 8.613% | $365,000 | 0.0% |
| Stifel Bank and Trust | 12 | 6.125% | $510,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.375% | $475,000 | 0.0% |
| A&D Mortgage LLC | 11 | 6.625% | $365,000 | 15.4% |
| CHAMPIONS FUNDING, LLC | 11 | 8.125% | $345,000 | 26.7% |
| USAA Federal Savings Bank | 10 | 5.938% | $440,000 | 41.2% |
| 1st Security Bank of Washington | 10 | 6.688% | $365,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 6.688% | $345,000 | 0.0% |
| INTERCAP LENDING INC. | 10 | 6.688% | $390,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GENEVA FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Barrington Bank & Trust Company, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 83.7% |
| WESTMARK Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NBH Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 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 | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Potlatch No. 1 Financial Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ALLIANCE CATHOLIC CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROGUE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Federally Insured State-Chartered Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SAMMAMISH MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 55.9% |
| WASHINGTON FEDERAL BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Boeing Employees Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLDENWEST | 3 | Under 10 loans | Under 10 loans | 20.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Connections Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE EXPRESS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EAST IDAHO Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Eagle Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIORITY HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Deseret First Credit Union | 2 | 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 125 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.