Ada County
Idaho · FIPS 16001
According to CFPB HMDA 2024 application volume among U.S. counties, Ada County ranks #114 of 3,210, and #1 of 44 in Idaho.
Mortgage lending activity in Ada County, Idaho based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Ada County
In Ada County, lead originator Idaho Central Credit Union funded 21.8% of 13,406 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 33.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Ada County's 22,783 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ada County's $369,265 average loan (deduped against volume peers).
Lenders active in Ada County
Idaho Central Credit Union funded 2,929 of the 13,406 loans originated in Ada County, 21.8% of the county. 336 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Ada County borrowers.
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 Ada County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.