Safe Rate Rankings

Best Bank 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.
Total Lenders6
Total Loans627
Median Rate Spread0.11%

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

RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
U.S. Bank National AssociationBank
Strong
Strong
Strong
Sound
$614Fees
0.132%Above
35
2
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Sound
$2,627Fees
0.403%Above
26
3
Glacier BankBank
Strong
Acceptable
Sound
Exceptional
$3,390Fees
0.015%Below
217
4
Umpqua BankBank
Strong
Acceptable
Strong
Strong
$3,782Fees
0.117%Above
31
5
Willamette Valley BankBank
Sound
Mediocre
Strong
Exceptional
$6,149Fees
0.277%Above
229
6
Sunflower Bank, National AssociationBank
Sound
Acceptable
Strong
Sound
$4,728Fees
0.316%Above
25

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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.