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Kootenai County, Idaho · 2025

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

312 lenders acted on 9,284 mortgage applications for properties in Kootenai County in 2025. 14.2% were denied (Idaho: 14.5%). Median rate on closed loans 6.75%; median loan $325,000; median property value $575,000.

9.3kApplications
14.2%Denial ratestate 14.5%
6.75%Median ratestate 6.63%
$325,000Median loan
$575,000Median property value

Largest lenders in Kootenai County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Idaho Central Credit Union A 1,287853 15.5%7.00%
2 Glacier Bank D 467321 9.2%6.50%
3 Spokane Teachers D 461270 22.8%7.74%
4 Rocket Mortgage C 389307 12.6%6.99%
5 United Shore Financial Services B 371305 7.0%6.17%
6 Numerica Credit Union D 334192 32.0%7.75%
7 Loandepot.Com D 304235 6.3%6.13%
8 Willamette Valley Bank C 281195 5.7%6.38%
9 CMG Mortgage A 228177 1.3%6.63%
10 Guaranteed Rate B 210150 6.2%6.62%
11 U.S. Bank D 204123 24.5%7.38%
12 Potlatch No. 1 Financial Credit Union C 179112 10.6%7.50%
13 Guild Mortgage A 149120 1.3%6.63%
14 Pennymac Loan Services C 14583 7.6%6.38%
15 Premier Mortgage Resources B 144101 2.1%6.50%
16 Boeing Employees Credit Union B 14087 14.3%6.25%
17 Washington Trust Bank D 13077 22.3%7.50%
18 Planet Home Lending B 125112 2.4%6.50%
19 Umpqua Bank C 11764 23.1%7.75%
20 Bank of America F 11458 23.7%6.24%
21 Mortgage Research Center C 11242 22.3%6.06%
22 Evergreen Moneysource Mortgage B 10072 0.0%6.50%
23 Freedom Mortgage B 9937 8.1%5.88%
24 Lennar Mortgage A 9674 3.1%4.99%
25 Newrez D 8945 13.5%6.75%

Best approval odds in Kootenai County

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

#LenderDecidedDecision denial rate
1Paramount Residential Mortgage Group590.0%
2Evergreen Moneysource Mortgage760.0%
3CMG Mortgage1981.5%
4Guild Mortgage1231.6%
5Planet Home Lending1162.6%
6Premier Mortgage Resources1042.9%
7Summit Funding533.8%
8Lennar Mortgage773.9%
9Loandepot.Com2587.4%
10Willamette Valley Bank2117.6%

What Kootenai County borrowers applied for

By loan purpose

Home purchase 3,923 42% · 6.6% denied
Refinance 1,339 14% · 13.0% denied
Cash-out refinance 1,783 19% · 19.4% denied
Home improvement 1,199 13% · 23.0% denied
Other / HELOC 1,040 11% · 25.1% denied

By loan type

Conventional 7,586 82% · 15.2% denied
FHA 815 9% · 10.8% denied
VA 879 9% · 8.5% denied
USDA / RHS 4 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 594 45%
Collateral 205 16%
Credit history 181 14%
Incomplete application 152 12%
Other 103 8%
Unverifiable information 52 4%
Insufficient cash 19 1%
Employment history 8 1%

Kootenai County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,9034,21517.6%7.13%$255,000
20247,8034,87715.9%7.00%$295,000
20259,2845,88214.2%6.75%$325,000

Frequently asked questions

14.2% of applications in Kootenai County were denied in 2025, against 14.5% statewide in Idaho.

Idaho Central Credit Union, with 1,287 applications in 2025 and a denial rate of 15.5%.

The median mortgage application in Kootenai County in 2025 was for $325,000; the median property value on originated loans was $575,000.