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Latah County, Idaho · 2025

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

111 lenders acted on 1,119 mortgage applications for properties in Latah County in 2025. 12.7% were denied (Idaho: 14.5%). Median rate on closed loans 6.75%; median loan $285,000; median property value $475,000.

1.1kApplications
12.7%Denial ratestate 14.5%
6.75%Median ratestate 6.63%
$285,000Median loan
$475,000Median property value

Largest lenders in Latah County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Idaho Central Credit Union A 167117 14.4%6.88%
2 CMG Mortgage A 12096 0.8%6.88%
3 Potlatch No. 1 Financial Credit Union C 9960 11.1%7.50%
4 United Shore Financial Services B 9779 5.2%6.50%
5 Rocket Mortgage C 5541 14.6%6.25%
6 Zions Bancorporation B 3925 10.3%6.75%
7 U.S. Bank D 3617 41.7%7.95%
8 Freedom Northwest Credit Union A 3131 0.0%—
9 Washington Trust Bank D 2823 10.7%7.75%
10 Kind Lending C 2516 24.0%6.50%
11 Guild Mortgage A 2113 4.8%6.63%
12 Umpqua Bank C 2015 15.0%6.88%
13 Mortgage Research Center C 207 25.0%5.75%
14 Banner Bank D 1913 5.3%6.49%
15 Pennymac Loan Services C 1811 11.1%6.50%
16 Washington State Employees Credit Union D 186 44.4%7.37%
17 Crosscountry Mortgage B 1611 0.0%6.50%
18 Spokane Teachers D 146 14.3%7.62%
19 Freedom Mortgage B 127 8.3%5.75%
20 Newrez D 107 0.0%6.88%
21 Triad Financial Services D 105 30.0%8.73%
22 Navy Federal Credit Union D 104 30.0%5.88%
23 Lakeview Loan Servicing C 93 22.2%6.13%
24 American Financing D 92 33.3%8.31%
25 Coastal Community Bank C 94 0.0%12.49%

Best approval odds in Latah County

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

#LenderDecidedDecision denial rate
1CMG Mortgage1011.0%
2United Shore Financial Services875.8%
3Potlatch No. 1 Financial Credit Union7414.9%
4Idaho Central Credit Union15915.1%
5Rocket Mortgage5016.0%

What Latah County borrowers applied for

By loan purpose

Home purchase 462 41% · 5.4% denied
Refinance 191 17% · 8.9% denied
Cash-out refinance 218 19% · 18.4% denied
Home improvement 125 11% · 19.2% denied
Other / HELOC 123 11% · 29.3% denied

By loan type

Conventional 950 85% · 13.2% denied
FHA 81 7% · 8.6% denied
VA 81 7% · 12.4% denied
USDA / RHS 7 1% · 0.0% denied

Why applications were denied

Debt-to-income ratio 54 38%
Collateral 27 19%
Credit history 25 18%
Incomplete application 12 8%
Other 11 8%
Insufficient cash 8 6%
Unverifiable information 4 3%
Employment history 1 1%

Latah County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202387456615.2%6.96%$235,000
202498461814.4%7.00%$265,000
20251,11972512.7%6.75%$285,000

Frequently asked questions

12.7% of applications in Latah County were denied in 2025, against 14.5% statewide in Idaho.

Idaho Central Credit Union, with 167 applications in 2025 and a denial rate of 14.4%.

The median mortgage application in Latah County in 2025 was for $285,000; the median property value on originated loans was $475,000.