IDEAL HOME LOANS LLC
IDEAL HOME LOANS LLC received 49 applications in 2025 and made 29 mortgages, in 16 counties across 3 states. The median rate its borrowers got was 6.500% on a median loan of $305,000. Of 32 decisions, 3 were denials — 9.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493004J0RTXMDKIYB74 |
|---|---|
| Applications received | 49 |
| Mortgages made | 29 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.123 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 11 | 6.500% | $425,000 | 0.0% |
| Refinancing | 18 | 6.500% | $270,000 | 10.0% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where IDEAL HOME LOANS LLC lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Arapahoe County, CO | 6 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 5 | Under 10 loans | 28.6% |
| Douglas County, CO | 5 | Under 10 loans | 0.0% |
| Adams County, CO | 3 | Under 10 loans | 0.0% |
| Jefferson County, CO | 2 | Under 10 loans | 0.0% |
| Weld County, CO | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Mesa County, CO | 1 | Under 10 loans | 0.0% |
| Morgan County, CO | 1 | Under 10 loans | 0.0% |
| Pueblo County, CO | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 0 | Under 10 loans | Not published |
| Boulder County, CO | 0 | Under 10 loans | Not published |
| Conejos County, CO | 0 | Under 10 loans | 100.0% |
| Dallas County, TX | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.