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2024 data HMDA 2024 disclosure official source

Ada County

22,783 mortgage applications, 12.3% denial rate. Verify FIPS 16001 with U.S. Census Bureau →

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Idaho · FIPS 16001

Local mortgage market. Ada County, Idaho saw 22,783 HMDA-reported mortgage applications in 2024. Lenders originated 13,406 of those loans and denied 2,794, producing a denial rate of 12.3% and an approval (origination) rate of 58.8%. The average loan amount was $369,265 at an average note rate of 7.22%, with applicants self-reporting average annual income of $37K. 336 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.0x, meaning typical borrowers took on mortgages of about 10.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 16001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

22,783
Applications
13,406
Originated
12.3%
Denial Rate
58.8%
Approval Rate
$369,265
Avg Loan Amount
7.22%
Avg Interest Rate
$37K
Avg Applicant Income
10.0x
Loan-to-Income Ratio

Nearby Lenders in Ada County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Idaho Central Credit Union 2,929 21.8%
2 United Wholesale Mortgage 772 5.8%
3 Rocket Mortgage 732 5.5%
4 Guild Mortgage Company 483 3.6%
5 Us Bank, N.A. 398 3.0%
Compare Idaho Central Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Ada County?
In the 2024 HMDA reporting year, 22,783 mortgage applications were filed in Ada County, Idaho. Of these, 13,406 were originated (approved and funded), while 2,794 were denied, resulting in a denial rate of 12.3%.
What is the mortgage denial rate in Ada County?
The mortgage denial rate in Ada County is 12.3%. The approval (origination) rate is 58.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ada County?
The average mortgage loan amount in Ada County is $369,265. The average interest rate is 7.220%. The average applicant income is $37K.
What is the loan-to-income ratio in Ada County?
The average loan-to-income ratio in Ada County is 10.0x, meaning borrowers took on loans averaging 10.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ada County?
The top mortgage lenders in Ada County by origination volume are Idaho Central Credit Union, United Wholesale Mortgage, Rocket Mortgage. In total, 336 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.