Top Mortgage Lenders in Dover, ID

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. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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, 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 (for example, above $548,250 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

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Spokane Teachers Credit Union-0.13%(4.0)4.78%
Glacier Bank-0.08%(4.0)17.58%
Guild Mortgage Company-0.02%(3.5)3.76%
PrimeLending-0.02%(3.5)3.62%
Washington Trust Bank-0.02%(3.5)2.53%
Caliber Home Loans-0.02%(3.5)2.68%
loanDepot-0.02%(3.5)2.46%
Wells Fargo Bank-0.01%(3.5)5.72%
US Bank-0.00%(3.5)3.33%
Guaranteed Rate0.01%(3.5)4.49%
American Pacific Mortgage0.01%(3.5)8.47%
Potlatch No 1 Financial Credit Union0.02%(3.5)4.92%
Platinum Home Mortgage Corporation0.03%(3.5)2.75%
Willamette Valley Bank0.03%(3.5)9.91%
Flagstar Bank0.06%(3.0)2.75%
Quicken Loans0.07%(3.0)8.90%
Evergreen Moneysource Mortgage Company0.09%(3.0)11.36%
Lender NameRate DifferenceRate RatingMarket Share
Potlatch No 1 Financial Credit Union-0.10%(4.0)2.84%
Glacier Bank-0.06%(4.0)18.86%
Spokane Teachers Credit Union-0.05%(4.0)2.97%
loanDepot-0.04%(3.5)0.39%
Wells Fargo Bank-0.04%(3.5)5.04%
US Bank-0.04%(3.5)2.07%
Guild Mortgage Company-0.03%(3.5)5.17%
Washington Trust Bank-0.03%(3.5)1.81%
Caliber Home Loans-0.02%(3.5)2.84%
PrimeLending-0.02%(3.5)4.78%
American Pacific Mortgage-0.00%(3.5)8.79%
Guaranteed Rate0.01%(3.5)5.04%
Willamette Valley Bank0.02%(3.5)12.66%
Platinum Home Mortgage Corporation0.02%(3.5)3.49%
Quicken Loans0.03%(3.5)2.97%
Flagstar Bank0.09%(3.0)3.62%
Evergreen Moneysource Mortgage Company0.09%(3.0)16.67%
Lender NameRate DifferenceRate RatingMarket Share
Spokane Teachers Credit Union-0.17%(4.5)7.07%
Glacier Bank-0.10%(4.0)15.95%
PrimeLending-0.03%(3.5)2.14%
Caliber Home Loans-0.02%(3.5)2.47%
Washington Trust Bank-0.01%(3.5)3.45%
loanDepot-0.01%(3.5)5.10%
Flagstar Bank-0.01%(3.5)1.64%
Guild Mortgage Company-0.01%(3.5)1.97%
Guaranteed Rate0.01%(3.5)3.78%
Wells Fargo Bank0.01%(3.5)6.58%
US Bank0.02%(3.5)4.93%
American Pacific Mortgage0.02%(3.5)8.06%
Platinum Home Mortgage Corporation0.03%(3.5)1.81%
Willamette Valley Bank0.05%(3.0)6.41%
Evergreen Moneysource Mortgage Company0.06%(3.0)4.61%
Quicken Loans0.08%(3.0)16.45%
Potlatch No 1 Financial Credit Union0.09%(3.0)7.57%
Lender NameRate DifferenceRate RatingMarket Share
Spokane Teachers Credit Union-0.13%(4.0)6.04%
Glacier Bank-0.08%(4.0)20.24%
Caliber Home Loans-0.02%(3.5)2.23%
Washington Trust Bank-0.02%(3.5)2.97%
Guild Mortgage Company-0.02%(3.5)3.16%
PrimeLending-0.02%(3.5)3.44%
Wells Fargo Bank-0.01%(3.5)6.22%
loanDepot-0.01%(3.5)1.95%
US Bank0.00%(3.5)3.06%
American Pacific Mortgage0.00%(3.5)7.43%
Guaranteed Rate0.01%(3.5)4.27%
Potlatch No 1 Financial Credit Union0.02%(3.5)6.22%
Platinum Home Mortgage Corporation0.03%(3.5)2.23%
Willamette Valley Bank0.04%(3.5)9.19%
Flagstar Bank0.08%(3.0)2.88%
Quicken Loans0.09%(3.0)8.36%
Evergreen Moneysource Mortgage Company0.12%(3.0)10.12%
Lender NameRate DifferenceRate RatingMarket Share
Potlatch No 1 Financial Credit Union-0.10%(4.0)3.81%
Glacier Bank-0.07%(4.0)22.49%
Spokane Teachers Credit Union-0.05%(4.0)3.98%
US Bank-0.04%(3.5)1.90%
Wells Fargo Bank-0.04%(3.5)5.36%
loanDepot-0.04%(3.5)0.52%
Caliber Home Loans-0.03%(3.5)2.60%
Washington Trust Bank-0.03%(3.5)2.08%
Guild Mortgage Company-0.02%(3.5)4.33%
American Pacific Mortgage-0.02%(3.5)6.75%
PrimeLending-0.01%(3.5)4.50%
Guaranteed Rate0.01%(3.5)5.02%
Willamette Valley Bank0.02%(3.5)11.76%
Platinum Home Mortgage Corporation0.02%(3.5)2.60%
Quicken Loans0.04%(3.5)3.29%
Flagstar Bank0.10%(3.0)4.15%
Evergreen Moneysource Mortgage Company0.13%(3.0)14.88%
Lender NameRate DifferenceRate RatingMarket Share
Spokane Teachers Credit Union-0.18%(4.5)8.42%
Glacier Bank-0.11%(4.0)17.64%
PrimeLending-0.04%(3.5)2.20%
Guild Mortgage Company-0.02%(3.5)1.80%
Washington Trust Bank-0.01%(3.5)4.01%
Flagstar Bank-0.01%(3.5)1.40%
Caliber Home Loans-0.01%(3.5)1.80%
loanDepot-0.00%(3.5)3.61%
Guaranteed Rate0.01%(3.5)3.41%
Wells Fargo Bank0.01%(3.5)7.21%
American Pacific Mortgage0.03%(3.5)8.22%
US Bank0.03%(3.5)4.41%
Platinum Home Mortgage Corporation0.03%(3.5)1.80%
Willamette Valley Bank0.07%(3.0)6.21%
Evergreen Moneysource Mortgage Company0.07%(3.0)4.61%
Potlatch No 1 Financial Credit Union0.09%(3.0)9.02%
Quicken Loans0.11%(3.0)14.23%
Lender NameRate DifferenceRate RatingMarket Share
PrimeLending-0.05%(3.5)5.80%
Guild Mortgage Company-0.04%(3.5)10.14%
Quicken Loans-0.02%(3.5)10.14%
Willamette Valley Bank-0.01%(3.5)15.22%
Guaranteed Rate-0.00%(3.5)5.07%
Flagstar Bank-0.00%(3.5)1.45%
Glacier Bank0.00%(3.5)4.35%
Caliber Home Loans0.00%(3.5)2.90%
loanDepot0.01%(3.5)1.45%
Evergreen Moneysource Mortgage Company0.02%(3.5)19.57%
American Pacific Mortgage0.02%(3.5)18.12%
Platinum Home Mortgage Corporation0.04%(3.5)5.80%
Lender NameRate DifferenceRate RatingMarket Share
PrimeLending-0.05%(4.0)6.60%
Guild Mortgage Company-0.05%(4.0)12.26%
Guaranteed Rate-0.02%(3.5)4.72%
Willamette Valley Bank-0.01%(3.5)15.09%
Flagstar Bank-0.00%(3.5)0.94%
Caliber Home Loans0.00%(3.5)3.77%
Quicken Loans0.00%(3.5)2.83%
Glacier Bank0.01%(3.5)2.83%
Evergreen Moneysource Mortgage Company0.02%(3.5)23.58%
American Pacific Mortgage0.03%(3.5)19.81%
Platinum Home Mortgage Corporation0.03%(3.5)7.55%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.02%(3.5)34.38%
PrimeLending-0.01%(3.5)3.12%
Willamette Valley Bank0.00%(3.5)15.62%
American Pacific Mortgage0.00%(3.5)12.50%
Glacier Bank0.00%(3.5)9.38%
Flagstar Bank0.01%(3.5)3.12%
Evergreen Moneysource Mortgage Company0.02%(3.5)6.25%
loanDepot0.02%(3.5)6.25%
Guild Mortgage Company0.03%(3.5)3.12%
Guaranteed Rate0.03%(3.5)6.25%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)34.38%
Wells Fargo Bank-0.01%(3.5)12.50%
Caliber Home Loans-0.00%(3.5)6.25%
Washington Trust Bank0.00%(3.5)9.38%
Potlatch No 1 Financial Credit Union0.00%(3.5)3.12%
Evergreen Moneysource Mortgage Company0.01%(3.5)3.12%
American Pacific Mortgage0.01%(3.5)3.12%
Guaranteed Rate0.01%(3.5)12.50%
Spokane Teachers Credit Union0.01%(3.5)3.12%
Glacier Bank0.02%(3.5)9.38%
Platinum Home Mortgage Corporation0.03%(3.5)3.12%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)10.53%
US Bank-0.01%(3.5)21.05%
Washington Trust Bank-0.01%(3.5)10.53%
Caliber Home Loans-0.01%(3.5)10.53%
Evergreen Moneysource Mortgage Company0.00%(3.5)5.26%
American Pacific Mortgage0.00%(3.5)5.26%
Guaranteed Rate0.01%(3.5)15.79%
Glacier Bank0.01%(3.5)15.79%
Platinum Home Mortgage Corporation0.02%(3.5)5.26%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)53.85%
Guaranteed Rate0.00%(3.5)7.69%
Wells Fargo Bank0.00%(3.5)15.38%
Potlatch No 1 Financial Credit Union0.01%(3.5)7.69%
Washington Trust Bank0.02%(3.5)7.69%
Spokane Teachers Credit Union0.02%(3.5)7.69%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.05%(3.5)8.15%
Caliber Home Loans-0.03%(3.5)5.19%
Flagstar Bank-0.02%(3.5)3.70%
Wells Fargo Bank-0.02%(3.5)5.93%
Glacier Bank-0.01%(3.5)11.85%
US Bank-0.00%(3.5)1.48%
Guaranteed Rate-0.00%(3.5)3.70%
Guild Mortgage Company0.00%(3.5)2.96%
PrimeLending0.00%(3.5)3.70%
Platinum Home Mortgage Corporation0.00%(3.5)3.70%
Quicken Loans0.01%(3.5)14.07%
American Pacific Mortgage0.01%(3.5)8.15%
Evergreen Moneysource Mortgage Company0.02%(3.5)14.81%
Willamette Valley Bank0.03%(3.5)12.59%
Lender NameRate DifferenceRate RatingMarket Share
Glacier Bank-0.03%(3.5)14.08%
Wells Fargo Bank-0.03%(3.5)8.45%
Flagstar Bank-0.02%(3.5)4.23%
US Bank-0.02%(3.5)1.41%
Guild Mortgage Company-0.01%(3.5)2.82%
Caliber Home Loans-0.01%(3.5)1.41%
Quicken Loans-0.00%(3.5)1.41%
Guaranteed Rate-0.00%(3.5)2.82%
PrimeLending-0.00%(3.5)5.63%
Platinum Home Mortgage Corporation0.00%(3.5)4.23%
American Pacific Mortgage0.00%(3.5)9.86%
Evergreen Moneysource Mortgage Company0.01%(3.5)23.94%
Willamette Valley Bank0.03%(3.5)19.72%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.04%(3.5)17.19%
Caliber Home Loans-0.03%(3.5)9.38%
Flagstar Bank-0.01%(3.5)3.12%
Willamette Valley Bank-0.01%(3.5)4.69%
PrimeLending-0.00%(3.5)1.56%
Guaranteed Rate0.00%(3.5)4.69%
American Pacific Mortgage0.00%(3.5)6.25%
Platinum Home Mortgage Corporation0.01%(3.5)3.12%
US Bank0.01%(3.5)1.56%
Quicken Loans0.02%(3.5)28.12%
Guild Mortgage Company0.02%(3.5)3.12%
Wells Fargo Bank0.02%(3.5)3.12%
Glacier Bank0.02%(3.5)9.38%
Evergreen Moneysource Mortgage Company0.03%(3.5)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.

Mortgage Lender Rankings in Other Cities

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