Investment property improvement lenders in Kootenai County, Idaho
Fat Boy Data analyzed investment home improvement loan activity in Kootenai County, Idaho to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 178 applications were decided by 36 lenders between 2023 and 2025.
Kootenai County at a glance
How Kootenai County compares
What the data shows
Idaho Central Credit Union made the most investment home improvement loans in Kootenai County, ID, 45 of them.
That is 46% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Idaho Central Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 68% of 74.
The typical investment home improvement loan here is $205K, 41% larger than the Idaho typical of $145K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Kootenai County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | 68% | 50 / 74 | 90% | $205K | 45 |
| 2 | Numerica Credit UnionLimited sample | 50% | 7 / 14 | 100% | $195K | 7 |
| 3 | Spokane TeachersLimited sample | 40% | 4 / 10 | 75% | $295K | 3 |
| 4 | Bank of America, National AssociationLimited sample | 14% | 1 / 7 | 100% | $105K | 1 |
| 5 | Glacier BankLimited sample | 100% | 6 / 6 | 100% | $255K | 6 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 31 more lenders.
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