Safe Rate Rankings

Best Mortgage Lenders in Coeur d'Alene

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders46

Total Loans2,316

Median Rate Spread0.19%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,085Fees	0.014%Above	151
2	IDAHO CENTRAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$2,290Fees	0.154%Above	291
3	Boeing Employees Credit UnionCredit Union	Strong	Strong	Sound	Strong	$1,965Fees	0.107%Below	59
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$614Fees	0.132%Above	35
5	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,921Fees	0.183%Above	108
6	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,714Fees	0.208%Above	68
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,742Fees	0.110%Above	135
8	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,261Fees	0.290%Above	95
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,929Fees	0.215%Above	80
10	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,448Fees	0.209%Above	59
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,627Fees	0.403%Above	26
12	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,905Fees	0.004%Below	20
13	Glacier BankBank	Strong	Acceptable	Sound	Exceptional	$3,390Fees	0.015%Below	217
14	Umpqua BankBank	Strong	Acceptable	Strong	Strong	$3,782Fees	0.117%Above	31
15	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,933Fees	0.381%Above	27
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,125Fees	0.328%Above	21
17	Willamette Valley BankBank	Sound	Mediocre	Strong	Exceptional	$6,149Fees	0.277%Above	229
18	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,698Fees	0.278%Above	66
19	SPOKANE TEACHERSCredit Union	Sound	Acceptable	Sound	Strong	$3,218Fees	0.291%Above	33
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,241Fees	0.473%Above	28
21	Sunflower Bank, National AssociationBank	Sound	Acceptable	Strong	Sound	$4,728Fees	0.316%Above	25
22	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,221Fees	0.097%Above	23
23	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,891Fees	0.142%Above	71
24	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$7,169Fees	0.615%Above	32
25	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$5,386Fees	0.443%Above	30

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.