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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 Credit Union Mortgage Lenders in Coeur d'Alene

Updated February 5, 2026

Market Overview

Total Lenders

2,316

Total Loans

0.19%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
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	Global Federal Credit Union	Exceptional	Strong	Exceptional	Strong	Sound	$2,380	+0.080%	12
4	Boeing Employees Credit Union	Strong	Strong	Strong	Sound	Strong	$1,965	-0.107%	59
5	Potlatch No. 1 Financial Credit Union	Strong	Strong	Strong	Strong	Sound	$1,689	-0.178%	11
6	SPOKANE TEACHERS	Strong	Acceptable	Strong	Strong	Strong	$3,218	+0.291%	33
7	NUMERICA CREDIT UNION	Sound	Mediocre	Sound	Sound	Sound	$5,119	+0.323%	14

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.

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Coeur d'Alene, IDConventional

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