Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in Coeur d'Alene, ID
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
Coeur d'Alene, ID HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| Under 20% | 112 | 21% |
| 20% to 29% | 302 | 13% |
| 30% to 35% | 219 | 18% |
| 36% to 42% | 353 | 13% |
| 43% to 49% | 360 | 18% |
| 50% to 60% | 175 | 49% |
| Over 60% | 192 | 96% |
If you were denied a HELOC in Coeur d'Alene, ID
4 of the six major home equity investment providers list Idaho as a service area: CHEIFS, Hometap, Splitero, Unlock. See which could fit you.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 7.38% at today’s prime rate.
State rules: Idaho.
Other metro areas in Idaho
Boise City, ID (27%) · Idaho Falls, ID (26%) · Lewiston, ID-WA (22%) · Twin Falls, ID (30%) · Pocatello, ID (23%) · All 358 metro areas
Questions
What is the HELOC denial rate in Coeur d'Alene, ID?
Lenders denied 28.2% of the 1,715 HELOC applications they decided in the Coeur d'Alene, ID metro area in 2025, below the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in Coeur d'Alene, ID?
The most common first reason lenders gave was debt-to-income ratio (57% of denials with a reason reported).
What is a typical HELOC rate in Coeur d'Alene, ID?
The median starting rate on HELOCs opened in the Coeur d'Alene, ID area in 2025 was 7.75%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 7.38%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
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