Mortgage lenders in Kootenai County
5,879 mortgages were made in Kootenai County, Idaho, in 2025, by 322 lenders. The median rate their borrowers got was 6.750% on a median loan of $335,000. Of 7,594 decisions, 1,317 were denials — 17.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 853 | 7.000% | $255,000 | 16.3% |
| Glacier Bank | 321 | 6.500% | $355,000 | 11.7% |
| Rocket Mortgage, LLC | 307 | 6.990% | $235,000 | 13.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 305 | 6.168% | $445,000 | 7.8% |
| SPOKANE TEACHERS | 270 | 7.740% | $105,000 | 28.0% |
| Loandepot.Com, LLC | 235 | 6.125% | $385,000 | 7.4% |
| Willamette Valley Bank | 195 | 6.375% | $415,000 | 7.6% |
| NUMERICA CREDIT UNION | 192 | 7.750% | $105,000 | 35.8% |
| CMG MORTGAGE, INC. | 176 | 6.625% | $435,000 | 1.5% |
| GUARANTEED RATE, INC. | 150 | 6.625% | $420,000 | 7.8% |
| U.S. Bank National Association | 123 | 7.375% | $255,000 | 28.1% |
| GUILD MORTGAGE COMPANY | 120 | 6.625% | $390,000 | 1.6% |
| Potlatch No. 1 Financial Credit Union | 112 | 7.500% | $155,000 | 14.0% |
| PLANET HOME LENDING, LLC | 112 | 6.500% | $405,000 | 2.6% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 101 | 6.500% | $385,000 | 2.9% |
| Boeing Employees Credit Union | 87 | 6.250% | $445,000 | 18.2% |
| PENNYMAC LOAN SERVICES, LLC | 83 | 6.375% | $355,000 | 11.5% |
| Washington Trust Bank | 77 | 7.500% | $205,000 | 26.6% |
| LENNAR MORTGAGE, LLC | 74 | 4.990% | $400,000 | 3.9% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 72 | 6.500% | $440,000 | 0.0% |
| Umpqua Bank | 64 | 7.700% | $250,000 | 29.7% |
| JPMorgan Chase Bank, National Association | 59 | 6.500% | $445,000 | 11.4% |
| GESA | 59 | 6.375% | $415,000 | 19.2% |
| Paramount Residential Mortgage Group, Inc. | 59 | 6.625% | $405,000 | 0.0% |
| Bank of America, National Association | 58 | 6.240% | $150,000 | 31.4% |
| KIND LENDING, LLC | 54 | 6.688% | $390,000 | 19.4% |
| First Interstate Bank | 51 | 8.250% | $155,000 | 23.5% |
| SUMMIT FUNDING, INC. | 51 | 6.875% | $405,000 | 3.8% |
| NEWREZ LLC | 45 | 6.750% | $365,000 | 21.1% |
| Freedom Northwest Credit Union | 45 | Not published | $165,000 | 0.0% |
| Mortgage Research Center, LLC | 42 | 6.058% | $465,000 | 36.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 40 | 6.625% | $380,000 | 2.3% |
| THE LOAN STORE, INC. | 39 | 6.625% | $375,000 | 6.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 39 | 6.625% | $415,000 | 11.4% |
| FREEDOM MORTGAGE CORPORATION | 37 | 5.875% | $445,000 | 13.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 37 | 6.000% | $285,000 | 17.8% |
| NATIONSTAR MORTGAGE LLC | 35 | 8.250% | $85,000 | 14.3% |
| NFM, INC. | 35 | 6.250% | $415,000 | 0.0% |
| Sunflower Bank, National Association | 35 | 6.250% | $395,000 | 5.3% |
| Navy Federal Credit Union | 32 | 7.575% | $180,000 | 19.5% |
| TRIAD FINANCIAL SERVICES, INC. | 31 | 8.690% | $95,000 | 32.5% |
| AmeriSave Mortgage Corporation | 29 | 8.375% | $95,000 | 52.5% |
| Banner Bank | 29 | 6.500% | $355,000 | 31.0% |
| SPRING EQ, LLC | 28 | 8.663% | $105,000 | 49.1% |
| CANOPY MORTGAGE, LLC | 26 | 6.563% | $425,000 | 3.7% |
| FIGURE LENDING LLC | 25 | 8.100% | $115,000 | 30.7% |
| Mountain America Federal Credit Union | 23 | 6.990% | $115,000 | 30.3% |
| Fairway Independent Mortgage Corporation | 23 | 6.750% | $365,000 | 14.8% |
| Horizon Federally Insured State-Chartered Credit Union | 20 | 2.990% | $75,000 | 30.3% |
| Broker Solutions, Inc. | 17 | 6.750% | $415,000 | 22.7% |
| GEORGIA'S OWN | 17 | 8.000% | $155,000 | 10.5% |
| Click n' Close, Inc. | 16 | 6.813% | $255,000 | 10.5% |
| Coastal Community Bank | 15 | 8.990% | $55,000 | 0.0% |
| Granite Bank | 15 | 6.490% | $365,000 | 11.8% |
| FINANCE OF AMERICA REVERSE LLC | 15 | 8.990% | $295,000 | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.188% | $220,000 | 45.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.790% | $105,000 | 23.5% |
| Morgan Stanley Private Bank, National Association | 13 | 5.950% | $825,000 | 7.1% |
| Wells Fargo Bank, National Association | 12 | 6.375% | $255,000 | 45.5% |
| BETTER MORTGAGE CORPORATION | 12 | 7.750% | $135,000 | 45.5% |
| ENVOY MORTGAGE, LTD | 12 | 6.563% | $415,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 11 | 6.625% | $405,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 11 | 7.375% | $355,000 | 0.0% |
| Firefighters First Federal Credit Union | 11 | 7.500% | $335,000 | 15.4% |
| AMERICAN FINANCING CORPORATION | 10 | 5.933% | $350,000 | 50.0% |
| Global Federal Credit Union | 10 | 6.438% | $395,000 | 23.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | 7.000% | $510,000 | 0.0% |
| JMAC LENDING, INC. | 10 | 6.375% | $435,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 32.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 23.1% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GOLDENWEST | 9 | Under 10 loans | Under 10 loans | 23.1% |
| Charles Schwab Bank, SSB | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 42.9% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 28.6% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| Zions Bancorporation, N.A. | 7 | Under 10 loans | Under 10 loans | 9.1% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 80.7% |
| TOLL BROTHERS MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 8.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 20.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| SPOKANE FIREFIGHTERS CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GTE Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 83.3% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wallick & Volk, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA FIRST Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 44.4% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| HomeStreet Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SAMMAMISH MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AgWest Farm Credit, FLCA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 69.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 61.5% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WESTMARK Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Security Bank of Washington | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RESIDENTIAL MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gold Coast Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Canopy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EXPRESS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493009QB0KBU5M6NP90 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HAPO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BLUEBIRD HOME LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 122 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Kootenai County
33 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Columbia Bank | 6 | $231.1 million |
| First Interstate Bank | 5 | $431.5 million |
| Glacier Bank | 4 | $755.1 million |
| Wells Fargo Bank, National Association | 4 | $678.9 million |
| U.S. Bank National Association | 3 | $469.8 million |
| Washington Trust Bank | 3 | $397.5 million |
| bankcda | 3 | $153.9 million |
| Bank of America, National Association | 2 | $1.9 billion |
| JPMorgan Chase Bank, National Association | 1 | $234.3 million |
| Northwest Bank | 1 | $47.3 million |
| Idaho Trust Bank | 1 | $17.2 million |
Get told when this changes
When the next year’s lending figures are out for Kootenai County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.