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refinance lenders · HMDA 2023–2025

Refinance lenders in Kootenai County, Idaho

Fat Boy Data analyzed mortgage refinance activity in Kootenai County, Idaho, home to Coeur d'Alene, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,898 applications were decided by 152 lenders between 2023 and 2025.

Kootenai County at a glance

152Active lenders27 with 20+ decisions
81.2%Market approval rate1,541 of 1,898 decided
$335KTypical loanmedian lender, $10K brackets
93%Borrower take-up1,431 loans funded

How Kootenai County compares

Approval rate compared
Kootenai County81.2%Idaho79.8%All 616 counties76.5%
Typical loan compared
Kootenai County$335KIdaho$255KAll 616 counties$295K

What the data shows

Spokane Teachers made the most mortgage refinances in Kootenai County, ID, 142 of them.

Planet Home Lending, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 26.

The typical mortgage refinance here is $335K, 31% larger than the Idaho typical of $255K.

Approval rate of all 27 lenders with 20+ decisions here
0%25%50%75%100%One lender: 37% approved of 41One lender: 41% approved of 22One lender: 64% approved of 67One lender: 64% approved of 28One lender: 65% approved of 23One lender: 68% approved of 31One lender: 69% approved of 36One lender: 73% approved of 59One lender: 73% approved of 56Spokane Teachers: 74% approved of 191One lender: 78% approved of 27Potlatch No. 1 Financial Credit Union: 80% approved of 85One lender: 80% approved of 20One lender: 82% approved of 33One lender: 84% approved of 38One lender: 86% approved of 37Rocket Mortgage, LLC: 87% approved of 82Idaho Central Credit Union: 87% approved of 208One lender: 88% approved of 26One lender: 90% approved of 20One lender: 91% approved of 22One lender: 91% approved of 56One lender: 92% approved of 65United Wholesale Mortgage, LLC: 92% approved of 145One lender: 96% approved of 45One lender: 100% approved of 26One lender: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Kootenai County

LenderApprovalApprovedTaken upTypical loanLoans made
1Idaho Central Credit Union87%181 / 20878%$405K141
2Spokane Teachers74%142 / 191100%$105K142
3United Wholesale Mortgage, LLCBroker only92%134 / 14597%$465K130
4Potlatch No. 1 Financial Credit Union80%68 / 8599%$105K67
5Rocket Mortgage, LLC87%71 / 8299%$335K70

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 147 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Kootenai County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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