Which mortgage lender in the Moscow, ID area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Moscow, ID area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Moscow, ID area in terms of interest rate is HomeBridge Financial Services, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, HomeBridge Financial Services provided a -0.09% lower interest rate for its customers than other lenders in the area. HomeBridge Financial Services has a market share of 9.8%. On the other hand, the most popular lender in the Moscow, ID area is Potlatch No 1 Financial Credit Union, with a larger market share of 16.2%. Potlatch No 1 Financial Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.08% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Moscow, ID area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Moscow, ID is HomeBridge Financial Services. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is US Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is HomeBridge Financial Services. The cheapest VA mortgage provider is Zions Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Moscow, ID
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| HomeBridge Financial Services | -0.09% | 9.79% | |
| Potlatch No 1 Financial Credit Union | -0.08% | 16.19% | |
| Washington State Employees Credit Union | -0.06% | 6.53% | |
| Wells Fargo Bank | -0.03% | 11.36% | |
| Zions Bank | -0.00% | 5.35% | |
| Goldwater Bank | 0.00% | 4.31% | |
| Washington Trust Bank | 0.01% | 4.83% | |
| US Bank | 0.02% | 6.27% | |
| Platinum Home Mortgage Corporation | 0.04% | 4.31% | |
| Summit Funding Inc | 0.04% | 7.18% | |
| Quicken Loans | 0.05% | 14.49% | |
| HomeStreet Bank | 0.15% | 9.40% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Potlatch No 1 Financial Credit Union | -0.15% | 11.67% | |
| HomeBridge Financial Services | -0.09% | 13.28% | |
| Washington State Employees Credit Union | -0.06% | 5.03% | |
| Wells Fargo Bank | -0.05% | 12.07% | |
| Goldwater Bank | 0.01% | 6.04% | |
| Zions Bank | 0.01% | 5.03% | |
| US Bank | 0.02% | 5.23% | |
| Washington Trust Bank | 0.03% | 5.84% | |
| Platinum Home Mortgage Corporation | 0.05% | 3.82% | |
| Summit Funding Inc | 0.05% | 10.26% | |
| Quicken Loans | 0.07% | 8.05% | |
| HomeStreet Bank | 0.17% | 13.68% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Washington State Employees Credit Union | -0.06% | 9.29% | |
| Washington Trust Bank | -0.04% | 2.97% | |
| Potlatch No 1 Financial Credit Union | -0.02% | 24.54% | |
| Zions Bank | -0.02% | 5.95% | |
| HomeBridge Financial Services | -0.01% | 3.35% | |
| Goldwater Bank | -0.00% | 1.12% | |
| US Bank | 0.01% | 8.18% | |
| Summit Funding Inc | 0.01% | 1.49% | |
| Wells Fargo Bank | 0.01% | 10.04% | |
| HomeStreet Bank | 0.02% | 1.49% | |
| Platinum Home Mortgage Corporation | 0.02% | 5.20% | |
| Quicken Loans | 0.04% | 26.39% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| HomeBridge Financial Services | -0.09% | 8.53% | |
| Potlatch No 1 Financial Credit Union | -0.08% | 18.56% | |
| Washington State Employees Credit Union | -0.06% | 7.49% | |
| Wells Fargo Bank | -0.03% | 12.28% | |
| Zions Bank | 0.00% | 5.54% | |
| Goldwater Bank | 0.00% | 4.49% | |
| Washington Trust Bank | 0.01% | 4.49% | |
| US Bank | 0.02% | 6.59% | |
| Platinum Home Mortgage Corporation | 0.04% | 4.34% | |
| Summit Funding Inc | 0.06% | 5.39% | |
| Quicken Loans | 0.06% | 14.37% | |
| HomeStreet Bank | 0.18% | 7.93% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Potlatch No 1 Financial Credit Union | -0.15% | 13.91% | |
| HomeBridge Financial Services | -0.10% | 12.23% | |
| Washington State Employees Credit Union | -0.06% | 6.00% | |
| Wells Fargo Bank | -0.05% | 13.19% | |
| Goldwater Bank | 0.01% | 6.47% | |
| Zions Bank | 0.01% | 5.04% | |
| US Bank | 0.03% | 5.52% | |
| Washington Trust Bank | 0.03% | 5.28% | |
| Platinum Home Mortgage Corporation | 0.06% | 3.84% | |
| Summit Funding Inc | 0.07% | 8.15% | |
| Quicken Loans | 0.08% | 8.15% | |
| HomeStreet Bank | 0.19% | 12.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Washington State Employees Credit Union | -0.06% | 9.96% | |
| Washington Trust Bank | -0.04% | 3.19% | |
| Potlatch No 1 Financial Credit Union | -0.02% | 26.29% | |
| Zions Bank | -0.02% | 6.37% | |
| HomeBridge Financial Services | -0.01% | 2.39% | |
| Goldwater Bank | -0.00% | 1.20% | |
| Summit Funding Inc | -0.00% | 0.80% | |
| US Bank | 0.01% | 8.37% | |
| Wells Fargo Bank | 0.01% | 10.76% | |
| Platinum Home Mortgage Corporation | 0.03% | 5.18% | |
| HomeStreet Bank | 0.03% | 0.80% | |
| Quicken Loans | 0.04% | 24.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| HomeBridge Financial Services | -0.07% | 28.07% | |
| Summit Funding Inc | -0.00% | 21.05% | |
| Wells Fargo Bank | -0.00% | 1.75% | |
| Zions Bank | 0.00% | 5.26% | |
| Platinum Home Mortgage Corporation | 0.00% | 5.26% | |
| Washington Trust Bank | 0.01% | 3.51% | |
| Goldwater Bank | 0.02% | 1.75% | |
| US Bank | 0.03% | 1.75% | |
| Quicken Loans | 0.03% | 14.04% | |
| HomeStreet Bank | 0.08% | 17.54% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| HomeBridge Financial Services | -0.08% | 29.79% | |
| Summit Funding Inc | -0.00% | 23.40% | |
| Wells Fargo Bank | 0.00% | 2.13% | |
| Platinum Home Mortgage Corporation | 0.00% | 4.26% | |
| Zions Bank | 0.00% | 6.38% | |
| Washington Trust Bank | 0.01% | 4.26% | |
| Goldwater Bank | 0.03% | 2.13% | |
| Quicken Loans | 0.06% | 8.51% | |
| HomeStreet Bank | 0.09% | 19.15% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| HomeBridge Financial Services | -0.02% | 20.00% | |
| Quicken Loans | -0.01% | 40.00% | |
| Platinum Home Mortgage Corporation | -0.00% | 10.00% | |
| HomeStreet Bank | 0.01% | 10.00% | |
| US Bank | 0.02% | 10.00% | |
| Summit Funding Inc | 0.03% | 10.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 25.00% | |
| HomeBridge Financial Services | -0.00% | 25.00% | |
| Washington Trust Bank | 0.01% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 25.00% | |
| HomeBridge Financial Services | -0.00% | 25.00% | |
| Washington Trust Bank | 0.01% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Zions Bank | -0.04% | 2.70% | |
| Wells Fargo Bank | -0.03% | 10.81% | |
| Platinum Home Mortgage Corporation | -0.03% | 2.70% | |
| Washington Trust Bank | -0.02% | 8.11% | |
| US Bank | -0.02% | 5.41% | |
| HomeBridge Financial Services | -0.02% | 2.70% | |
| Goldwater Bank | -0.01% | 5.41% | |
| Quicken Loans | 0.00% | 18.92% | |
| Summit Funding Inc | 0.00% | 18.92% | |
| HomeStreet Bank | 0.04% | 24.32% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Zions Bank | -0.04% | 3.45% | |
| Wells Fargo Bank | -0.03% | 13.79% | |
| Platinum Home Mortgage Corporation | -0.03% | 3.45% | |
| Washington Trust Bank | -0.02% | 10.34% | |
| US Bank | -0.02% | 6.90% | |
| Goldwater Bank | -0.01% | 6.90% | |
| Quicken Loans | -0.01% | 6.90% | |
| Summit Funding Inc | 0.00% | 20.69% | |
| HomeStreet Bank | 0.04% | 27.59% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| HomeBridge Financial Services | -0.02% | 12.50% | |
| HomeStreet Bank | -0.01% | 12.50% | |
| Summit Funding Inc | -0.00% | 12.50% | |
| Quicken Loans | 0.01% | 62.50% |
* Data is compiled for the Moscow, ID commuting zone area, which comprises of counties of Latah County, ID, and Whitman County, WA. This includes cities/towns/communities of Moscow, ID as well as Pullman, WA, Potlatch, ID, Troy, ID, Genesee, ID, Palouse, WA, Colfax, WA, Tekoa, WA, and Colton, WA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Moscow, ID area. For mortgage lender rankings in other cities, click here.