Safe Rate Rankings

Best Conventional 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%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,149Fees	0.706%Below	16
2	IDAHO CENTRAL CREDIT UNIONCredit Union	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,290Fees	0.154%Above	291
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$614Fees	0.132%Above	35
4	Global Federal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$2,380Fees	0.080%Above	12
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,085Fees	0.014%Above	151
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,921Fees	0.183%Above	108
7	Boeing Employees Credit UnionCredit Union	Strong	Strong	Strong	Sound	Strong	$1,965Fees	0.107%Below	59
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,525Fees	0.027%Above	12
9	Potlatch No. 1 Financial Credit UnionCredit Union	Strong	Strong	Strong	Strong	Sound	$1,689Fees	0.178%Below	11
10	Morgan Stanley Private Bank, National AssociationBank	Strong	Exceptional	Strong	Sound	Acceptable	$360Fees	0.415%Below	10
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,742Fees	0.110%Above	135
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,627Fees	0.403%Above	26
13	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,390Fees	0.015%Below	217
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,261Fees	0.290%Above	95
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,929Fees	0.215%Above	80
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,714Fees	0.208%Above	68
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,905Fees	0.004%Below	20
18	Washington Trust BankBank	Strong	Strong	Sound	Sound	Sound	$736Fees	0.012%Below	18
19	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$5,448Fees	0.209%Above	59
20	SPOKANE TEACHERSCredit Union	Strong	Acceptable	Strong	Strong	Strong	$3,218Fees	0.291%Above	33
21	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Strong	$3,782Fees	0.117%Above	31
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,241Fees	0.473%Above	28
23	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,933Fees	0.381%Above	27
24	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,221Fees	0.097%Above	23
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,125Fees	0.328%Above	21
26	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,643Fees	0.741%Above	17
27	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,829Fees	0.487%Above	16
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,827Fees	0.216%Above	13
29	Willamette Valley BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$6,149Fees	0.277%Above	229
30	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,891Fees	0.142%Above	71
31	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,698Fees	0.278%Above	66
32	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$4,728Fees	0.316%Above	25
33	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,571Fees	0.682%Above	13
34	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,904Fees	0.252%Above	12
35	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$5,814Fees	0.100%Above	12
36	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$7,169Fees	0.615%Above	32
37	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,386Fees	0.443%Above	30
38	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Sound	$4,266Fees	0.360%Above	12
39	First Interstate BankBank	Sound	Sound	Sound	Acceptable	Sound	$1,469Fees	0.064%Above	12
40	Wallick & Volk, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,840Fees	0.414%Above	16
41	AMERICAN FINANCING CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$5,167Fees	0.071%Above	11
42	NUMERICA CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Sound	Sound	$5,119Fees	0.323%Above	14
43	PRIORITY HOME LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$5,265Fees	0.294%Above	13

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.