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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Coeur d'Alene
Updated February 5, 2026
Market Overview
46
Total Lenders
2,316
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,149 | -0.706% | 16 | |
2 | IDAHO CENTRAL CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,290 | +0.154% | 291 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $614 | +0.132% | 35 | |
4 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Strong | Sound | $2,380 | +0.080% | 12 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,085 | +0.014% | 151 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,921 | +0.183% | 108 | |
7 | Boeing Employees Credit Union | Strong | Strong | Strong | Sound | Strong | $1,965 | -0.107% | 59 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,525 | +0.027% | 12 | |
9 | Potlatch No. 1 Financial Credit Union | Strong | Strong | Strong | Strong | Sound | $1,689 | -0.178% | 11 | |
10 | Morgan Stanley Private Bank, National Association | Strong | Exceptional | Strong | Sound | Acceptable | $360 | -0.415% | 10 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,742 | +0.110% | 135 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,627 | +0.403% | 26 | |
13 | Glacier Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,390 | -0.015% | 217 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,261 | +0.290% | 95 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,929 | +0.215% | 80 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,714 | +0.208% | 68 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,905 | -0.004% | 20 | |
18 | Washington Trust Bank | Strong | Strong | Sound | Sound | Sound | $736 | -0.012% | 18 | |
19 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,448 | +0.209% | 59 | |
20 | SPOKANE TEACHERS | Strong | Acceptable | Strong | Strong | Strong | $3,218 | +0.291% | 33 | |
21 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Strong | $3,782 | +0.117% | 31 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,241 | +0.473% | 28 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,933 | +0.381% | 27 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,221 | +0.097% | 23 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,125 | +0.328% | 21 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,643 | +0.741% | 17 | |
27 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,829 | +0.487% | 16 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,827 | +0.216% | 13 | |
29 | Willamette Valley Bank | Strong | Mediocre | Strong | Strong | Exceptional | $6,149 | +0.277% | 229 | |
30 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $4,891 | +0.142% | 71 | |
31 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $4,698 | +0.278% | 66 | |
32 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Sound | $4,728 | +0.316% | 25 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,571 | +0.682% | 13 | |
34 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,904 | +0.252% | 12 | |
35 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,814 | +0.100% | 12 | |
36 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $7,169 | +0.615% | 32 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,386 | +0.443% | 30 | |
38 | CORNERSTONE CAPITAL BANK, SSB | Sound | Mediocre | Exceptional | Strong | Sound | $4,266 | +0.360% | 12 | |
39 | First Interstate Bank | Sound | Sound | Sound | Acceptable | Sound | $1,469 | +0.064% | 12 | |
40 | Wallick & Volk, Inc. | Sound | Mediocre | Strong | Strong | Sound | $3,840 | +0.414% | 16 | |
41 | AMERICAN FINANCING CORPORATION | Sound | Acceptable | Strong | Acceptable | Sound | $5,167 | +0.071% | 11 | |
42 | NUMERICA CREDIT UNION | Sound | Mediocre | Sound | Sound | Sound | $5,119 | +0.323% | 14 | |
43 | PRIORITY HOME LENDING, LLC | Sound | Mediocre | Sound | Sound | Sound | $5,265 | +0.294% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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Coeur d'Alene, IDConventional
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