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2024 data HMDA 2024 disclosure official source

Kootenai County

8,669 mortgage applications, 14.3% denial rate. Verify FIPS 16055 with U.S. Census Bureau →

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Idaho · FIPS 16055

Local mortgage market. Kootenai County, Idaho saw 8,669 HMDA-reported mortgage applications in 2024. Lenders originated 4,876 of those loans and denied 1,239, producing a denial rate of 14.3% and an approval (origination) rate of 56.2%. The average loan amount was $343,372 at an average note rate of 7.39%, with applicants self-reporting average annual income of $38K. 238 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.0x, meaning typical borrowers took on mortgages of about 9.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 16055 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,669
Applications
4,876
Originated
14.3%
Denial Rate
56.2%
Approval Rate
$343,372
Avg Loan Amount
7.39%
Avg Interest Rate
$38K
Avg Applicant Income
9.0x
Loan-to-Income Ratio

Nearby Lenders in Kootenai County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Idaho Central Credit Union 656 13.5%
2 Glacier Bank 328 6.7%
3 Willamette Valley Bank 269 5.5%
4 Rocket Mortgage 233 4.8%
5 Spokane Teachers Credit Union 229 4.7%
Compare Idaho Central Credit Union vs Glacier Bank →

Frequently Asked Questions

How many mortgage applications were filed in Kootenai County?
In the 2024 HMDA reporting year, 8,669 mortgage applications were filed in Kootenai County, Idaho. Of these, 4,876 were originated (approved and funded), while 1,239 were denied, resulting in a denial rate of 14.3%.
What is the mortgage denial rate in Kootenai County?
The mortgage denial rate in Kootenai County is 14.3%. The approval (origination) rate is 56.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Kootenai County?
The average mortgage loan amount in Kootenai County is $343,372. The average interest rate is 7.390%. The average applicant income is $38K.
What is the loan-to-income ratio in Kootenai County?
The average loan-to-income ratio in Kootenai County is 9.0x, meaning borrowers took on loans averaging 9.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Kootenai County?
The top mortgage lenders in Kootenai County by origination volume are Idaho Central Credit Union, Glacier Bank, Willamette Valley Bank. In total, 238 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.