DSCR Loans in Idaho
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Idaho, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. In 2025 HMDA data, 259 lenders made 3,049 investment-property loans in Idaho; the most active are in the table below, and 6 counties have their own page.
Idaho investor market at a glance
| Statistic | Idaho | National | State rank |
|---|---|---|---|
| Investor loans | 3,049 | 553,332 | 37th of 51 |
| Reporting lenders | 259 | 4,120 | 35th of 51 |
| Loan volume | $1.04B | $190.57B | 35th of 51 |
| Average loan | $342K | $344K | 21st of 51 |
| Median loan | $295K | — | 13th of 51 |
| Purchases | 66.7% | 59.2% | 8th of 51 |
| Cash-out refinances | 16.5% | 18.8% | 30th of 51 |
| 2–4 unit properties | 14.2% | 17.3% | 32nd of 51 |
| Top five lenders' share | 24.2% | 21.9% | 17th of 51 |
| Reported business-purpose | 55.4% | 70.8% | 46th of 51 |
Idaho: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Idaho
55.4% of Idaho's investor loans were reported as business-purpose, the 6th-lowest share of the 50 states and DC (national figure: 70.8%).
Fewer investor loans here were reported as business-purpose than in most of the 50 states and DC. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
66.7% of Idaho's investor loans were purchases, the 8th-highest share of the 50 states and DC (national figure: 59.2%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Who are the DSCR and investment-property lenders in Idaho?
The most active investment-property lenders in Idaho in 2025 HMDA data were IDAHO CENTRAL CREDIT UNION; United Wholesale Mortgage; and Rocket Mortgage, LLC, out of 259 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Idaho, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Idaho's 2025 filings to closed-end loans on 1–4 unit investment properties: 3,049 loans totaling $1.04B across 259 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 261 | $75.0M | $287K | 60.9% |
| United Wholesale Mortgage | 157 | $49.5M | $315K | 61.8% |
| Rocket Mortgage, LLC | 112 | $41.3M | $368K | 50.0% |
| THE LOAN STORE, INC. | 110 | $37.4M | $340K | 69.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 97 | $26.0M | $268K | 80.4% |
| GUILD MORTGAGE COMPANY | 84 | $24.6M | $293K | 72.6% |
| Glacier Bank | 78 | $28.8M | $369K | 78.2% |
| D. L. EVANS BANK | 60 | $25.6M | $426K | 73.3% |
| KIND LENDING, LLC | 60 | $18.6M | $310K | 71.7% |
| GUARANTEED RATE, INC. | 59 | $22.1M | $374K | 62.7% |
| PENNYMAC LOAN SERVICES, LLC | 55 | $22.6M | $411K | 76.4% |
| LENNAR MORTGAGE, LLC | 54 | $15.8M | $293K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 51 | $14.8M | $291K | 76.5% |
| First Federal Savings Bank of Twin Falls | 51 | $14.2M | $279K | 64.7% |
| U.S. Bank National Association | 45 | $14.3M | $318K | 73.3% |
| Synergy One Lending, Inc. | 40 | $10.4M | $259K | 65.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 37 | $14.1M | $380K | 75.7% |
| CMG MORTGAGE, INC. | 37 | $12.7M | $343K | 78.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 37 | $11.5M | $312K | 81.1% |
| HOMEXPRESS MORTGAGE CORP. | 35 | $12.6M | $360K | 48.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 35 | $11.0M | $313K | 77.1% |
| Fairway Independent Mortgage Corporation | 33 | $11.1M | $336K | 93.9% |
| Mountain America Federal Credit Union | 32 | $9.4M | $294K | 62.5% |
| Freedom Northwest Credit Union | 32 | $5.9M | $184K | 31.2% |
| Kiavi Funding, Inc. | 31 | $16.9M | $545K | 80.6% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 259 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Idaho lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
DSCR loans by county in Idaho
Each county page compares the county's 2025 HMDA investor-lending figures with Idaho's and names its most active lenders. Counties are listed by investor loan count.
6 Idaho counties have their own page so far.
- Ada County1,033 loans
- Canyon County372 loans
- Kootenai County287 loans
- Bonneville County171 loans
- Bannock County148 loans
- Twin Falls County110 loans
- Bonner County (fewer than 100 investor loans in 2025)84 loans
- Valley County (fewer than 100 investor loans in 2025)70 loans
- Blaine County (fewer than 100 investor loans in 2025)59 loans
- Teton County (fewer than 100 investor loans in 2025)56 loans
- Madison County (fewer than 100 investor loans in 2025)55 loans
- Fremont County (fewer than 100 investor loans in 2025)54 loans
- Bingham County (fewer than 100 investor loans in 2025)52 loans
- Payette County (fewer than 100 investor loans in 2025)52 loans
- Nez Perce County (fewer than 100 investor loans in 2025)46 loans
- Elmore County (fewer than 100 investor loans in 2025)45 loans
- Minidoka County (fewer than 100 investor loans in 2025)41 loans
- Cassia County (fewer than 100 investor loans in 2025)39 loans
- Latah County (fewer than 100 investor loans in 2025)36 loans
- Jerome County (fewer than 100 investor loans in 2025)27 loans
- Jefferson County (fewer than 100 investor loans in 2025)24 loans
- Shoshone County (fewer than 100 investor loans in 2025)23 loans
- Gem County (fewer than 100 investor loans in 2025)20 loans
- Idaho County (fewer than 100 investor loans in 2025)19 loans
- Boise County (fewer than 100 investor loans in 2025)18 loans
- Gooding County (fewer than 100 investor loans in 2025)12 loans
- Bear Lake County (fewer than 100 investor loans in 2025)11 loans
- Franklin County (fewer than 100 investor loans in 2025)10 loans
- Custer County (fewer than 100 investor loans in 2025)8 loans
- Washington County (fewer than 100 investor loans in 2025)8 loans
- Lemhi County (fewer than 100 investor loans in 2025)7 loans
- Boundary County (fewer than 100 investor loans in 2025)6 loans
- Caribou County (fewer than 100 investor loans in 2025)6 loans
- Power County (fewer than 100 investor loans in 2025)6 loans
- Adams County (fewer than 100 investor loans in 2025)5 loans
- Benewah County (fewer than 100 investor loans in 2025)5 loans
- Clearwater County (fewer than 100 investor loans in 2025)5 loans
- Owyhee County (fewer than 100 investor loans in 2025)5 loans
- Oneida County (fewer than 100 investor loans in 2025)3 loans
- Lewis County (fewer than 100 investor loans in 2025)2 loans
- Camas County (fewer than 100 investor loans in 2025)1 loans
- Lincoln County (fewer than 100 investor loans in 2025)1 loans
Run the coverage test on your Idaho deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Idaho property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Idaho's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 259 lenders and 3,049 loans: 2025 HMDA loan-level data.
- Idaho investor-lender dataset (CSV) — Every Idaho lender behind the table above, with volume, average loan and purchase share for each.
- Idaho investor lending data, Dominick Prevete — The Idaho table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.