Idaho · HMDA 2025
Mortgage lenders in Kootenai County, ID
314 lenders reported 10,451 home-loan applications in Kootenai County in 2025. 5,882 closed as loans ($2.3B), 1,317 were denied — a 17.3% denial rate on decided applications, close to the Idaho rate of 17.5%. The three most active lenders handled 21% of applications, led by IDAHO CENTRAL CREDIT UNION. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 10,451
- Loans originated
- 5,882
- Purchase / refinance
- 2,830 / 1,800
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Kootenai County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | IDAHO CENTRAL CREDIT UNION 62 out of 100, Moderate | 1,287 | 12.3% | 17.8% |
| 2 | Glacier Bank 68 out of 100, Moderate | 469 | 4.5% | 20.0% |
| 3 | SPOKANE TEACHERS | 461 | 4.4% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 454 | 4.3% | — |
| 5 | Rocket Mortgage, LLC | 390 | 3.7% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 371 | 3.5% | — |
| 7 | NUMERICA CREDIT UNION 74 out of 100, Strong | 334 | 3.2% | 39.5% |
| 8 | Loandepot.Com, LLC | 304 | 2.9% | — |
| 9 | Willamette Valley Bank 81 out of 100, Strong | 281 | 2.7% | 13.8% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 274 | 2.6% | 14.1% |
| 11 | CMG MORTGAGE, INC. | 240 | 2.3% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 217 | 2.1% | 39.5% |
| 13 | NEWREZ LLC | 214 | 2.0% | — |
| 14 | GUARANTEED RATE, INC. | 212 | 2.0% | — |
| 15 | Potlatch No. 1 Financial Credit Union 62 out of 100, Moderate | 179 | 1.7% | 13.4% |
| 16 | FREEDOM MORTGAGE CORPORATION | 161 | 1.5% | — |
| 17 | PLANET HOME LENDING, LLC | 153 | 1.5% | — |
| 18 | GUILD MORTGAGE COMPANY | 152 | 1.5% | — |
| 19 | PREMIER MORTGAGE RESOURCES, L.L.C. | 144 | 1.4% | — |
| 20 | Boeing Employees Credit Union 75 out of 100, Strong | 140 | 1.3% | 26.5% |
| 21 | Washington Trust Bank 60 out of 100, Moderate | 131 | 1.3% | 22.5% |
| 22 | Bank of America, National Association 59 out of 100, Moderate | 118 | 1.1% | 44.7% |
| 23 | Umpqua Bank 64 out of 100, Moderate | 117 | 1.1% | 28.5% |
| 24 | Mortgage Research Center, LLC | 112 | 1.1% | — |
| 25 | FIGURE LENDING LLC | 106 | 1.0% | — |
| 26 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 100 | 1.0% | — |
| 27 | LENNAR MORTGAGE, LLC | 96 | 0.9% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 95 | 0.9% | — |
| 29 | GESA | 83 | 0.8% | — |
| 30 | First Interstate Bank 62 out of 100, Moderate | 81 | 0.8% | 29.4% |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 80 | 0.8% | — |
| 32 | Paramount Residential Mortgage Group, Inc. | 77 | 0.7% | — |
| 33 | Citizens Bank, National Association 54 out of 100, Below average | 76 | 0.7% | 32.5% |
| 34 | KIND LENDING, LLC | 76 | 0.7% | — |
| 35 | SPRING EQ, LLC | 73 | 0.7% | — |
| 36 | AmeriSave Mortgage Corporation | 71 | 0.7% | — |
| 37 | AMERIHOME MORTGAGE COMPANY, LLC | 70 | 0.7% | — |
| 38 | PHH Mortgage Corporation | 69 | 0.7% | — |
| 39 | CROSSCOUNTRY MORTGAGE, INC. | 63 | 0.6% | — |
| 40 | SUMMIT FUNDING, INC. | 63 | 0.6% | — |
Top 40 of 314 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Idaho
- Ada County 27,606 apps
- Canyon County 15,449 apps
- Bonneville County 6,658 apps
- Twin Falls County 4,638 apps
- Bannock County 4,192 apps
- Bonner County 3,139 apps
- Bingham County 2,229 apps
- Jefferson County 1,848 apps
- Elmore County 1,741 apps
- Nez Perce County 1,664 apps
- Payette County 1,570 apps
- Madison County 1,326 apps