Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ada County, Idaho
Every institution that decided a 1–4 unit mortgage application in Ada County, home to Boise City, between 2023 and 2025: 48,440 applications, 38,350 loans actually funded, across 8 kinds of borrowing.
Ada County at a glance
48,440Applications decided
2023–2025
38,350Loans funded
79% of decisions
129Census tracts
15 ZIP codes
508,052People
ACS 2023
What the data shows
The typical purchase mortgage here is $405K.
Investment home improvement is the hardest money to get here: lenders approved 64% of 433 applications.
Lending by loan type in Ada County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 94.0% | 23,640 | $405K | 94% | 378 |
| Home improvement loans | 78.5% | 8,163 | $105K | 90% | 109 |
| Cash-out refinance | 73.1% | 8,520 | $125K | 90% | 215 |
| Refinance | 81.0% | 4,124 | $285K | 90% | 224 |
| Investment property purchase | 92.8% | 2,606 | $315K | 94% | 231 |
| Investment cash-out refinance | 74.8% | 567 | $245K | 85% | 114 |
| Investment refinance | 83.0% | 387 | $325K | 90% | 99 |
| Investment home improvement | 64.4% | 433 | $145K | 88% | 47 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.