Applications / Mortgage Analytics / Lenders / Idaho / Bluebird Home Loans
Boise, ID · Non-bank or government lender · CFPB · 109 loans in 2025
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109
loans originated, 2025
146
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bluebird Home Loans, a Boise mortgage company that first reported in 2024, is spreading from Idaho into Colorado, Oregon and Washington even as its loan count fell.
It made 109 loans in 2025, its second year of reporting. Purchases made up 80.7% of them and refinances the rest. Most were conventional, with a smaller share insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs. Its typical loan was $335,000, against $385,000 at similar lenders, non-bank lenders making between half and twice as many loans.
Its loans fell 22%, from 139, while similar lenders slipped 5% and the whole market grew 10%. Yet it entered four new markets in 2025, among them Fort Collins, Eugene and Coeur d'Alene. A young lender spreading its effort across new places is one plausible reason for the fall at home.
Boise is its biggest market. It ranked 57 of 409 lenders there, and its share slipped from 0.6% to 0.4%. Idaho Central Credit Union led Boise by a wide margin, ahead of United Wholesale Mortgage and Rocket Mortgage.
Only 0.9% of its loans went to majority-minority neighborhoods, against 38.7% at similar lenders. Its largest markets are in Idaho and Colorado, and the make-up of those markets may account for much of the gap.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bluebird Home Loans took 146 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.7% · Refinance 19.3%
Conventional 89.0% · FHA 9.2% · VA 1.8% · of 109 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Idaho | 104 | 95.4% |
| Colorado | 2 | 1.8% |
| Oregon | 2 | 1.8% |
| Washington | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boise City | 87 |
| Pocatello | 3 |
| Coeur d'Alene | 1 |
| Eugene-Springfield | 1 |
| Fort Collins-Loveland | 1 |
| Idaho Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000FSLMV0FBEQY36 | 2024–2025 |
Established 8 June 2022. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Bluebird Home Loans's data.
Bluebird Home Loans's data
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Bluebird Home Loans and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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