Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Kootenai County, Idaho
Every institution that decided a 1–4 unit mortgage application in Kootenai County, home to Coeur d'Alene, between 2023 and 2025: 17,361 applications, 13,512 loans actually funded, across 8 kinds of borrowing.
Kootenai County at a glance
17,361Applications decided
2023–2025
13,512Loans funded
78% of decisions
39Census tracts
10 ZIP codes
177,736People
ACS 2023
What the data shows
The typical purchase mortgage here is $415K.
Investment home improvement is the hardest money to get here: lenders approved 60% of 178 applications.
Lending by loan type in Kootenai County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.4% | 7,869 | $415K | 95% | 284 |
| Home improvement loans | 72.8% | 3,001 | $105K | 93% | 85 |
| Cash-out refinance | 72.8% | 3,012 | $155K | 93% | 158 |
| Refinance | 81.2% | 1,898 | $335K | 93% | 152 |
| Investment property purchase | 90.5% | 948 | $375K | 93% | 158 |
| Investment cash-out refinance | 70.9% | 268 | $305K | 92% | 80 |
| Investment refinance | 76.5% | 187 | $285K | 91% | 69 |
| Investment home improvement | 60.1% | 178 | $205K | 92% | 36 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.