2025 · Idaho
In 2025, 3,050 investment-property loans worth $1.0B were originated on single-family 1-4 unit homes in Idaho. Here's how those terms compared to the rest of the country.
Investor rate premium
62 bps
U.S. median: 76 bps
Denial rate
16.5%
U.S. median: 17.5%
DSCR / business-purpose
55%
U.S. median: 72%
Median LTV
70%
U.S. median: 74%
Since 2024 in Idaho
Rate premium
63 bps → 62 bps
-1 bpsInvestor loans
2,276 → 3,050
+34.0%Denial rate
17.3% → 16.5%
-0.9 ptsDSCR / business-purpose
56% → 55%
-1.8 ptsInvestors in Idaho borrowed at a median rate of 6.99%, versus 6.375% for owner-occupants — a 62 bps premium that ranks 46th of 51 states.
Their applications were denied 16.5% of the time. The leading reasons for denial were debt-to-income ratio, collateral, other.
55% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 18% were cash-out refinances. The typical loan-to-value was 70%, implying about 30% down.
In 2025, the median investment-property loan in Idaho carried a rate of 6.99% versus 6.375% for an owner-occupant — a premium of 62 bps. That ranks 46th of 51 states (1 = highest premium).
16.5% of investment-property applications were denied in Idaho in 2025, the 30th-highest denial rate among the 51 states. The most common denial reasons were debt-to-income ratio, collateral, other.
55% of investor loans in Idaho were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (48th of 51). The median loan-to-value was 70%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.