HomeIdahoAda CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Ada County, Idaho

Fat Boy Data analyzed cash-out refinance activity in Ada County, Idaho to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 8,520 applications were decided by 215 lenders between 2023 and 2025.

Ada County at a glance

215Active lenders48 with 20+ decisions
73.1%Market approval rate6,229 of 8,520 decided
$125KTypical loanmedian lender, $10K brackets
90%Borrower take-up5,597 loans funded

How Ada County compares

Approval rate compared
Ada County73.1%Idaho72.1%All 616 counties68.2%
Typical loan compared
Ada County$125KIdaho$135KAll 616 counties$155K

What the data shows

Idaho Central Credit Union made the most cash-out refinances in Ada County, ID, 1,892 of them.

That is 34% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Pioneer Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 35.

Approval rate of all 48 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 15% approved of 48Spring Eq, LLC: 27% approved of 33New Day Financial, LLC: 33% approved of 52Amerisave Mortgage Corporation: 35% approved of 249Carrington Mortgage Services, LLC: 41% approved of 54Lakeview Loan Servicing, LLC: 43% approved of 46BMO Bank National Association: 52% approved of 31American Financing Corporation: 54% approved of 28KeyBank National Association: 55% approved of 22New American Funding, LLC: 56% approved of 41Mutual of Omaha Mortgage, Inc.: 60% approved of 30Newrez LLC: 61% approved of 102Quorum Federal Credit Union: 63% approved of 41Washington Trust Bank: 67% approved of 81Flagstar Bank, National Association: 67% approved of 61Idaho Central Credit Union: 69% approved of 3,426Mountain America Federal Credit Union: 69% approved of 119GoodLeap, LLC: 69% approved of 68Churchill Mortgage Corporation: 70% approved of 20Loandepot.Com, LLC: 72% approved of 130Navy Federal Credit Union: 72% approved of 40Wells Fargo Bank, National Association: 75% approved of 36United Wholesale Mortgage, LLC: 76% approved of 267Pennymac Loan Services, LLC: 76% approved of 123JPMorgan Chase Bank, National Association: 77% approved of 35American Pacific Mortgage Corporation: 78% approved of 58Zions Bancorporation, N.A.: 79% approved of 68Castle & Cooke Mortgage, LLC: 81% approved of 21Kind Lending, LLC: 81% approved of 27U.S. Bank National Association: 82% approved of 126Freedom Mortgage Corporation: 82% approved of 79Fairway Independent Mortgage Corporation: 82% approved of 91Nationstar Mortgage LLC: 83% approved of 84The Federal Savings Bank: 84% approved of 32Premier Mortgage Resources, L.L.C.: 84% approved of 45Guaranteed Rate, Inc.: 85% approved of 40Sofi Bank, N.A.tional Association: 86% approved of 28Capital Educators Federal Credit Union: 86% approved of 183Rocket Mortgage, LLC: 87% approved of 1,220First Technology Federal Credit Union: 90% approved of 39Sunflower Bank, National Association: 90% approved of 31Primelending, A Plainscapital Company: 91% approved of 34Guild Mortgage Company LLC: 92% approved of 214Cmg Mortgage, Inc.: 92% approved of 38Synergy One Lending, Inc.: 93% approved of 55Movement Mortgage, LLC: 96% approved of 49Pioneer Federal Credit Union: 100% approved of 35Evergreen Moneysource Mortgage Company: 100% approved of 29

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Ada County

LenderApprovalApprovedTaken upTypical loanLoans made
1Idaho Central Credit Union69%2,348 / 3,42681%$95K1,892
2Rocket Mortgage, LLC87%1,056 / 1,22097%$125K1,029
3United Wholesale Mortgage, LLCBroker only76%204 / 26796%$295K196
4Amerisave Mortgage Corporation35%86 / 24998%$85K84
5Guild Mortgage Company LLC92%196 / 21495%$155K187

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 210 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest cash-out refinance lenders in Ada County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for Ada County

Nearby markets