Mortgage lending in Ada County
16,030 mortgages were originated in Ada County, Idaho, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 16,030
- Median rate
- 6.625%
- Median lender fees
- $6,885
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $335,000
- Above the going rate (spread over APOR)
- 0.024
- Paid discount points
- 42.8%
- Received lender credits
- 16%
- Purchases / refinances
- 54% / 25.7%
- Conventional / FHA / VA
- 83.3% / 8.9% / 7.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $586,500
- Median home price
- $491,000
- That home, 20% down
- $392,800
A median-priced home with 20% down leaves $439,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Ada County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Idaho Central Credit Union | 3,559 | $4,524 | 7.000% |
| Rocket Mortgage, LLC | 973 | $5,772 | 6.625% |
| United Shore Financial Services, LLC | 808 | $8,603 | 6.124% |
| Guild Mortgage Company | 506 | $9,283 | 6.500% |
| Premier Mortgage Resources, L.L.C. | 410 | $11,601 | 5.990% |
| U.S. Bank National Association | 363 | $4,884 | 7.250% |
| Toll Brothers Mortgage Company | 357 | $8,863 | 6.125% |
| Fairway Independent Mortgage Corporation | 327 | $9,372 | 6.490% |
| Pennymac Loan Services, LLC | 289 | $6,007 | 6.624% |
| Movement Mortgage, LLC | 280 | $8,671 | 6.500% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Ada County — not a rule of thumb.
From 10,634 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers