Safe Rate Rankings

Best VA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,085Fees	0.014%Above	151
2	IDAHO CENTRAL CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$2,290Fees	0.154%Above	291
3	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,714Fees	0.208%Above	68
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,149Fees	0.706%Below	16
5	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,261Fees	0.290%Above	95
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,905Fees	0.004%Below	20
7	Glacier BankBank	Strong	Sound	Strong	Strong	Exceptional	$3,390Fees	0.015%Below	217
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,921Fees	0.183%Above	108
9	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$5,448Fees	0.209%Above	59
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,742Fees	0.110%Above	135
11	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,929Fees	0.215%Above	80
12	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$5,933Fees	0.381%Above	27
13	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,698Fees	0.278%Above	66
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,241Fees	0.473%Above	28
15	Willamette Valley BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$6,149Fees	0.277%Above	229
16	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,891Fees	0.142%Above	71
17	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$7,169Fees	0.615%Above	32

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.