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Bonner County, Idaho · 2025

Mortgage lenders in Bonner County, ID: denial rates and top lenders (2025)

234 lenders acted on 2,851 mortgage applications for properties in Bonner County in 2025. 17.3% were denied (Idaho: 14.5%). Median rate on closed loans 6.88%; median loan $315,000; median property value $655,000.

2.9kApplications
17.3%Denial ratestate 14.5%
6.88%Median ratestate 6.63%
$315,000Median loan
$655,000Median property value

Largest lenders in Bonner County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Spokane Teachers D 20884 29.8%6.63%
2 Glacier Bank D 200117 20.5%7.38%
3 Idaho Central Credit Union A 172105 14.0%7.00%
4 Rocket Mortgage C 12388 17.9%6.81%
5 CMG Mortgage A 10166 3.0%6.99%
6 Evergreen Moneysource Mortgage B 9983 0.0%6.63%
7 Potlatch No. 1 Financial Credit Union C 9953 13.1%7.50%
8 United Shore Financial Services B 9366 9.7%6.48%
9 Washington Trust Bank D 8662 14.0%7.50%
10 U.S. Bank D 8545 28.2%7.70%
11 Umpqua Bank C 7445 18.9%7.56%
12 Guaranteed Rate B 7037 7.1%6.85%
13 Willamette Valley Bank C 5738 7.0%6.31%
14 Loandepot.Com D 5538 16.4%6.75%
15 Horizon Federally Insured State-Chartered Credit Union C 4921 32.7%2.99%
16 Mortgage Research Center C 4615 17.4%6.13%
17 Gesa D 4212 47.6%6.81%
18 Freedom Northwest Credit Union A 4242 0.0%—
19 Numerica Credit Union D 3926 25.6%7.75%
20 Newrez D 399 25.6%6.25%
21 Pennymac Loan Services C 3719 2.7%6.00%
22 Highlands Residential Mortgage B 3523 2.9%6.62%
23 Freedom Mortgage B 3213 9.4%6.25%
24 AmeriSave Mortgage D 308 56.7%8.81%
25 Premier Mortgage Resources B 3021 3.3%6.75%

Best approval odds in Bonner County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Evergreen Moneysource Mortgage850.0%
2CMG Mortgage744.1%
3United Shore Financial Services7711.7%
4Idaho Central Credit Union15715.3%
5Washington Trust Bank7416.2%
6Potlatch No. 1 Financial Credit Union6918.8%
7Rocket Mortgage11119.8%
8Umpqua Bank5923.7%
9Glacier Bank16325.2%
10U.S. Bank7034.3%

What Bonner County borrowers applied for

By loan purpose

Home purchase 1,024 36% · 10.5% denied
Refinance 432 15% · 13.4% denied
Cash-out refinance 652 23% · 19.3% denied
Home improvement 358 13% · 30.5% denied
Other / HELOC 385 14% · 24.4% denied

By loan type

Conventional 2,391 84% · 18.2% denied
FHA 204 7% · 17.7% denied
VA 251 9% · 9.2% denied
USDA / RHS 5 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 199 40%
Collateral 99 20%
Incomplete application 70 14%
Credit history 53 11%
Other 41 8%
Unverifiable information 13 3%
Employment history 12 2%
Insufficient cash 7 1%

Bonner County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,0731,16616.9%7.13%$275,000
20242,2061,27718.7%7.13%$285,000
20252,8511,60217.3%6.88%$315,000

Frequently asked questions

17.3% of applications in Bonner County were denied in 2025, against 14.5% statewide in Idaho.

Spokane Teachers, with 208 applications in 2025 and a denial rate of 29.8%.

The median mortgage application in Bonner County in 2025 was for $315,000; the median property value on originated loans was $655,000.