Which mortgage lender in the Dover, 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 Dover, 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 Dover, ID area in terms of interest rate is Spokane Teachers Credit Union, with an average “Rate Difference” of -0.13%. This means that, comparing similar borrowers, Spokane Teachers Credit Union provided a -0.13% lower interest rate for its customers than other lenders in the area. Spokane Teachers Credit Union has a market share of 4.8%. On the other hand, the most popular lender in the Dover, ID area is Glacier Bank, with a larger market share of 17.6%. Glacier Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.08% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Dover, 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 Dover, ID is Spokane Teachers Credit Union. 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 PrimeLending. The cheapest VA mortgage provider is loanDepot. 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 Dover, ID
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Spokane Teachers Credit Union | -0.13% | 4.78% | |
| Glacier Bank | -0.08% | 17.58% | |
| Guild Mortgage Company | -0.02% | 3.76% | |
| PrimeLending | -0.02% | 3.62% | |
| Washington Trust Bank | -0.02% | 2.53% | |
| Caliber Home Loans | -0.02% | 2.68% | |
| loanDepot | -0.02% | 2.46% | |
| Wells Fargo Bank | -0.01% | 5.72% | |
| US Bank | -0.00% | 3.33% | |
| Guaranteed Rate | 0.01% | 4.49% | |
| American Pacific Mortgage | 0.01% | 8.47% | |
| Potlatch No 1 Financial Credit Union | 0.02% | 4.92% | |
| Platinum Home Mortgage Corporation | 0.03% | 2.75% | |
| Willamette Valley Bank | 0.03% | 9.91% | |
| Flagstar Bank | 0.06% | 2.75% | |
| Quicken Loans | 0.07% | 8.90% | |
| Evergreen Moneysource Mortgage Company | 0.09% | 11.36% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Potlatch No 1 Financial Credit Union | -0.10% | 2.84% | |
| Glacier Bank | -0.06% | 18.86% | |
| Spokane Teachers Credit Union | -0.05% | 2.97% | |
| loanDepot | -0.04% | 0.39% | |
| Wells Fargo Bank | -0.04% | 5.04% | |
| US Bank | -0.04% | 2.07% | |
| Guild Mortgage Company | -0.03% | 5.17% | |
| Washington Trust Bank | -0.03% | 1.81% | |
| Caliber Home Loans | -0.02% | 2.84% | |
| PrimeLending | -0.02% | 4.78% | |
| American Pacific Mortgage | -0.00% | 8.79% | |
| Guaranteed Rate | 0.01% | 5.04% | |
| Willamette Valley Bank | 0.02% | 12.66% | |
| Platinum Home Mortgage Corporation | 0.02% | 3.49% | |
| Quicken Loans | 0.03% | 2.97% | |
| Flagstar Bank | 0.09% | 3.62% | |
| Evergreen Moneysource Mortgage Company | 0.09% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Spokane Teachers Credit Union | -0.17% | 7.07% | |
| Glacier Bank | -0.10% | 15.95% | |
| PrimeLending | -0.03% | 2.14% | |
| Caliber Home Loans | -0.02% | 2.47% | |
| Washington Trust Bank | -0.01% | 3.45% | |
| loanDepot | -0.01% | 5.10% | |
| Flagstar Bank | -0.01% | 1.64% | |
| Guild Mortgage Company | -0.01% | 1.97% | |
| Guaranteed Rate | 0.01% | 3.78% | |
| Wells Fargo Bank | 0.01% | 6.58% | |
| US Bank | 0.02% | 4.93% | |
| American Pacific Mortgage | 0.02% | 8.06% | |
| Platinum Home Mortgage Corporation | 0.03% | 1.81% | |
| Willamette Valley Bank | 0.05% | 6.41% | |
| Evergreen Moneysource Mortgage Company | 0.06% | 4.61% | |
| Quicken Loans | 0.08% | 16.45% | |
| Potlatch No 1 Financial Credit Union | 0.09% | 7.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Spokane Teachers Credit Union | -0.13% | 6.04% | |
| Glacier Bank | -0.08% | 20.24% | |
| Caliber Home Loans | -0.02% | 2.23% | |
| Washington Trust Bank | -0.02% | 2.97% | |
| Guild Mortgage Company | -0.02% | 3.16% | |
| PrimeLending | -0.02% | 3.44% | |
| Wells Fargo Bank | -0.01% | 6.22% | |
| loanDepot | -0.01% | 1.95% | |
| US Bank | 0.00% | 3.06% | |
| American Pacific Mortgage | 0.00% | 7.43% | |
| Guaranteed Rate | 0.01% | 4.27% | |
| Potlatch No 1 Financial Credit Union | 0.02% | 6.22% | |
| Platinum Home Mortgage Corporation | 0.03% | 2.23% | |
| Willamette Valley Bank | 0.04% | 9.19% | |
| Flagstar Bank | 0.08% | 2.88% | |
| Quicken Loans | 0.09% | 8.36% | |
| Evergreen Moneysource Mortgage Company | 0.12% | 10.12% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Potlatch No 1 Financial Credit Union | -0.10% | 3.81% | |
| Glacier Bank | -0.07% | 22.49% | |
| Spokane Teachers Credit Union | -0.05% | 3.98% | |
| US Bank | -0.04% | 1.90% | |
| Wells Fargo Bank | -0.04% | 5.36% | |
| loanDepot | -0.04% | 0.52% | |
| Caliber Home Loans | -0.03% | 2.60% | |
| Washington Trust Bank | -0.03% | 2.08% | |
| Guild Mortgage Company | -0.02% | 4.33% | |
| American Pacific Mortgage | -0.02% | 6.75% | |
| PrimeLending | -0.01% | 4.50% | |
| Guaranteed Rate | 0.01% | 5.02% | |
| Willamette Valley Bank | 0.02% | 11.76% | |
| Platinum Home Mortgage Corporation | 0.02% | 2.60% | |
| Quicken Loans | 0.04% | 3.29% | |
| Flagstar Bank | 0.10% | 4.15% | |
| Evergreen Moneysource Mortgage Company | 0.13% | 14.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Spokane Teachers Credit Union | -0.18% | 8.42% | |
| Glacier Bank | -0.11% | 17.64% | |
| PrimeLending | -0.04% | 2.20% | |
| Guild Mortgage Company | -0.02% | 1.80% | |
| Washington Trust Bank | -0.01% | 4.01% | |
| Flagstar Bank | -0.01% | 1.40% | |
| Caliber Home Loans | -0.01% | 1.80% | |
| loanDepot | -0.00% | 3.61% | |
| Guaranteed Rate | 0.01% | 3.41% | |
| Wells Fargo Bank | 0.01% | 7.21% | |
| American Pacific Mortgage | 0.03% | 8.22% | |
| US Bank | 0.03% | 4.41% | |
| Platinum Home Mortgage Corporation | 0.03% | 1.80% | |
| Willamette Valley Bank | 0.07% | 6.21% | |
| Evergreen Moneysource Mortgage Company | 0.07% | 4.61% | |
| Potlatch No 1 Financial Credit Union | 0.09% | 9.02% | |
| Quicken Loans | 0.11% | 14.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PrimeLending | -0.05% | 5.80% | |
| Guild Mortgage Company | -0.04% | 10.14% | |
| Quicken Loans | -0.02% | 10.14% | |
| Willamette Valley Bank | -0.01% | 15.22% | |
| Guaranteed Rate | -0.00% | 5.07% | |
| Flagstar Bank | -0.00% | 1.45% | |
| Glacier Bank | 0.00% | 4.35% | |
| Caliber Home Loans | 0.00% | 2.90% | |
| loanDepot | 0.01% | 1.45% | |
| Evergreen Moneysource Mortgage Company | 0.02% | 19.57% | |
| American Pacific Mortgage | 0.02% | 18.12% | |
| Platinum Home Mortgage Corporation | 0.04% | 5.80% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PrimeLending | -0.05% | 6.60% | |
| Guild Mortgage Company | -0.05% | 12.26% | |
| Guaranteed Rate | -0.02% | 4.72% | |
| Willamette Valley Bank | -0.01% | 15.09% | |
| Flagstar Bank | -0.00% | 0.94% | |
| Caliber Home Loans | 0.00% | 3.77% | |
| Quicken Loans | 0.00% | 2.83% | |
| Glacier Bank | 0.01% | 2.83% | |
| Evergreen Moneysource Mortgage Company | 0.02% | 23.58% | |
| American Pacific Mortgage | 0.03% | 19.81% | |
| Platinum Home Mortgage Corporation | 0.03% | 7.55% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 34.38% | |
| PrimeLending | -0.01% | 3.12% | |
| Willamette Valley Bank | 0.00% | 15.62% | |
| American Pacific Mortgage | 0.00% | 12.50% | |
| Glacier Bank | 0.00% | 9.38% | |
| Flagstar Bank | 0.01% | 3.12% | |
| Evergreen Moneysource Mortgage Company | 0.02% | 6.25% | |
| loanDepot | 0.02% | 6.25% | |
| Guild Mortgage Company | 0.03% | 3.12% | |
| Guaranteed Rate | 0.03% | 6.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 34.38% | |
| Wells Fargo Bank | -0.01% | 12.50% | |
| Caliber Home Loans | -0.00% | 6.25% | |
| Washington Trust Bank | 0.00% | 9.38% | |
| Potlatch No 1 Financial Credit Union | 0.00% | 3.12% | |
| Evergreen Moneysource Mortgage Company | 0.01% | 3.12% | |
| American Pacific Mortgage | 0.01% | 3.12% | |
| Guaranteed Rate | 0.01% | 12.50% | |
| Spokane Teachers Credit Union | 0.01% | 3.12% | |
| Glacier Bank | 0.02% | 9.38% | |
| Platinum Home Mortgage Corporation | 0.03% | 3.12% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 10.53% | |
| US Bank | -0.01% | 21.05% | |
| Washington Trust Bank | -0.01% | 10.53% | |
| Caliber Home Loans | -0.01% | 10.53% | |
| Evergreen Moneysource Mortgage Company | 0.00% | 5.26% | |
| American Pacific Mortgage | 0.00% | 5.26% | |
| Guaranteed Rate | 0.01% | 15.79% | |
| Glacier Bank | 0.01% | 15.79% | |
| Platinum Home Mortgage Corporation | 0.02% | 5.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 53.85% | |
| Guaranteed Rate | 0.00% | 7.69% | |
| Wells Fargo Bank | 0.00% | 15.38% | |
| Potlatch No 1 Financial Credit Union | 0.01% | 7.69% | |
| Washington Trust Bank | 0.02% | 7.69% | |
| Spokane Teachers Credit Union | 0.02% | 7.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.05% | 8.15% | |
| Caliber Home Loans | -0.03% | 5.19% | |
| Flagstar Bank | -0.02% | 3.70% | |
| Wells Fargo Bank | -0.02% | 5.93% | |
| Glacier Bank | -0.01% | 11.85% | |
| US Bank | -0.00% | 1.48% | |
| Guaranteed Rate | -0.00% | 3.70% | |
| Guild Mortgage Company | 0.00% | 2.96% | |
| PrimeLending | 0.00% | 3.70% | |
| Platinum Home Mortgage Corporation | 0.00% | 3.70% | |
| Quicken Loans | 0.01% | 14.07% | |
| American Pacific Mortgage | 0.01% | 8.15% | |
| Evergreen Moneysource Mortgage Company | 0.02% | 14.81% | |
| Willamette Valley Bank | 0.03% | 12.59% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Glacier Bank | -0.03% | 14.08% | |
| Wells Fargo Bank | -0.03% | 8.45% | |
| Flagstar Bank | -0.02% | 4.23% | |
| US Bank | -0.02% | 1.41% | |
| Guild Mortgage Company | -0.01% | 2.82% | |
| Caliber Home Loans | -0.01% | 1.41% | |
| Quicken Loans | -0.00% | 1.41% | |
| Guaranteed Rate | -0.00% | 2.82% | |
| PrimeLending | -0.00% | 5.63% | |
| Platinum Home Mortgage Corporation | 0.00% | 4.23% | |
| American Pacific Mortgage | 0.00% | 9.86% | |
| Evergreen Moneysource Mortgage Company | 0.01% | 23.94% | |
| Willamette Valley Bank | 0.03% | 19.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.04% | 17.19% | |
| Caliber Home Loans | -0.03% | 9.38% | |
| Flagstar Bank | -0.01% | 3.12% | |
| Willamette Valley Bank | -0.01% | 4.69% | |
| PrimeLending | -0.00% | 1.56% | |
| Guaranteed Rate | 0.00% | 4.69% | |
| American Pacific Mortgage | 0.00% | 6.25% | |
| Platinum Home Mortgage Corporation | 0.01% | 3.12% | |
| US Bank | 0.01% | 1.56% | |
| Quicken Loans | 0.02% | 28.12% | |
| Guild Mortgage Company | 0.02% | 3.12% | |
| Wells Fargo Bank | 0.02% | 3.12% | |
| Glacier Bank | 0.02% | 9.38% | |
| Evergreen Moneysource Mortgage Company | 0.03% | 4.69% |
* Data is compiled for the Dover, ID commuting zone area, which comprises of counties of Bonner County, ID, Boundary County, ID, and Pend Oreille County, WA. This includes cities/towns/communities of Dover, ID as well as Kootenai, ID, Bonners Ferry, ID, Blanchard, ID, Oldtown, ID, Sandpoint, ID, Hope, ID, Newport, WA, Cusick, WA, and Ione, 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.
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