Which mortgage lender in the Lewiston, 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 Lewiston, 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 Lewiston, ID area in terms of interest rate is Potlatch No 1 Financial Credit Union, with an average “Rate Difference” of -0.06%. This means that, comparing similar borrowers, Potlatch No 1 Financial Credit Union provided a -0.06% lower interest rate for its customers than other lenders in the area. Potlatch No 1 Financial Credit Union has a market share of 30.5%. It is the most popular lender in the Lewiston, ID area.
Our detailed ranking of mortgage lenders in the Lewiston, 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 Lewiston, ID is Potlatch No 1 Financial 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 Caliber Home Loans. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Mann Mortgage. The cheapest VA mortgage provider is Caliber Home Loans. 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 Lewiston, ID
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Potlatch No 1 Financial Credit Union | -0.06% | 30.46% | |
| Mann Mortgage | -0.04% | 10.30% | |
| HomeBridge Financial Services | -0.04% | 3.90% | |
| Caliber Home Loans | -0.03% | 5.37% | |
| Wells Fargo Bank | -0.03% | 8.98% | |
| Umpqua Bank | 0.00% | 2.43% | |
| US Bank | 0.00% | 6.48% | |
| American Pacific Mortgage | 0.03% | 6.70% | |
| Guaranteed Rate | 0.05% | 4.34% | |
| Quicken Loans | 0.09% | 10.45% | |
| Summit Funding Inc | 0.12% | 7.14% | |
| HomeStreet Bank | 0.13% | 3.46% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Potlatch No 1 Financial Credit Union | -0.14% | 19.27% | |
| HomeBridge Financial Services | -0.06% | 4.75% | |
| Wells Fargo Bank | -0.05% | 10.45% | |
| Mann Mortgage | -0.03% | 16.01% | |
| US Bank | -0.02% | 5.56% | |
| Umpqua Bank | 0.01% | 3.12% | |
| Caliber Home Loans | 0.01% | 4.34% | |
| American Pacific Mortgage | 0.06% | 9.91% | |
| Guaranteed Rate | 0.07% | 6.11% | |
| Quicken Loans | 0.11% | 4.88% | |
| HomeStreet Bank | 0.16% | 5.56% | |
| Summit Funding Inc | 0.16% | 10.04% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.08% | 6.59% | |
| Mann Mortgage | -0.03% | 3.54% | |
| American Pacific Mortgage | -0.02% | 2.89% | |
| Potlatch No 1 Financial Credit Union | -0.02% | 43.73% | |
| Umpqua Bank | -0.01% | 1.61% | |
| HomeBridge Financial Services | 0.01% | 2.89% | |
| Guaranteed Rate | 0.02% | 2.25% | |
| US Bank | 0.02% | 7.56% | |
| Wells Fargo Bank | 0.03% | 7.23% | |
| HomeStreet Bank | 0.03% | 0.96% | |
| Summit Funding Inc | 0.03% | 3.70% | |
| Quicken Loans | 0.07% | 17.04% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Potlatch No 1 Financial Credit Union | -0.06% | 40.39% | |
| Caliber Home Loans | -0.03% | 5.46% | |
| Wells Fargo Bank | -0.02% | 10.44% | |
| HomeBridge Financial Services | -0.02% | 2.93% | |
| Mann Mortgage | -0.01% | 6.05% | |
| Umpqua Bank | 0.01% | 2.44% | |
| US Bank | 0.01% | 7.71% | |
| American Pacific Mortgage | 0.06% | 5.27% | |
| Guaranteed Rate | 0.09% | 3.51% | |
| Summit Funding Inc | 0.11% | 4.00% | |
| HomeStreet Bank | 0.13% | 2.73% | |
| Quicken Loans | 0.14% | 9.07% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Potlatch No 1 Financial Credit Union | -0.13% | 28.23% | |
| Wells Fargo Bank | -0.04% | 12.52% | |
| HomeBridge Financial Services | -0.03% | 4.17% | |
| US Bank | -0.01% | 6.76% | |
| Mann Mortgage | 0.02% | 9.74% | |
| Umpqua Bank | 0.03% | 3.18% | |
| Caliber Home Loans | 0.03% | 5.17% | |
| American Pacific Mortgage | 0.09% | 8.95% | |
| Guaranteed Rate | 0.12% | 5.57% | |
| Quicken Loans | 0.15% | 5.57% | |
| Summit Funding Inc | 0.16% | 5.57% | |
| HomeStreet Bank | 0.17% | 4.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.09% | 5.75% | |
| Mann Mortgage | -0.03% | 2.49% | |
| Potlatch No 1 Financial Credit Union | -0.03% | 52.11% | |
| Umpqua Bank | -0.01% | 1.72% | |
| US Bank | 0.02% | 8.62% | |
| American Pacific Mortgage | 0.02% | 1.72% | |
| Wells Fargo Bank | 0.02% | 8.43% | |
| Summit Funding Inc | 0.03% | 2.49% | |
| HomeStreet Bank | 0.03% | 0.96% | |
| Guaranteed Rate | 0.03% | 1.53% | |
| HomeBridge Financial Services | 0.04% | 1.72% | |
| Quicken Loans | 0.13% | 12.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Mann Mortgage | -0.10% | 25.89% | |
| HomeBridge Financial Services | -0.09% | 8.63% | |
| Quicken Loans | -0.06% | 14.21% | |
| Umpqua Bank | -0.03% | 2.03% | |
| US Bank | -0.02% | 3.55% | |
| Caliber Home Loans | -0.01% | 1.02% | |
| Wells Fargo Bank | -0.01% | 0.51% | |
| American Pacific Mortgage | 0.01% | 8.63% | |
| Guaranteed Rate | 0.01% | 5.58% | |
| Summit Funding Inc | 0.14% | 22.84% | |
| HomeStreet Bank | 0.16% | 7.11% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| HomeBridge Financial Services | -0.13% | 7.28% | |
| Mann Mortgage | -0.12% | 31.13% | |
| Umpqua Bank | -0.04% | 2.65% | |
| US Bank | -0.03% | 3.97% | |
| Caliber Home Loans | -0.02% | 0.66% | |
| Wells Fargo Bank | -0.02% | 0.66% | |
| American Pacific Mortgage | -0.00% | 9.93% | |
| Guaranteed Rate | -0.00% | 5.96% | |
| Quicken Loans | 0.01% | 3.97% | |
| Summit Funding Inc | 0.14% | 25.17% | |
| HomeStreet Bank | 0.16% | 8.61% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.05% | 47.83% | |
| American Pacific Mortgage | 0.01% | 4.35% | |
| HomeBridge Financial Services | 0.01% | 13.04% | |
| Mann Mortgage | 0.03% | 8.70% | |
| Caliber Home Loans | 0.03% | 2.17% | |
| Guaranteed Rate | 0.04% | 4.35% | |
| HomeStreet Bank | 0.05% | 2.17% | |
| US Bank | 0.06% | 2.17% | |
| Summit Funding Inc | 0.08% | 15.22% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.00% | 50.00% | |
| US Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.05% | 10.37% | |
| Wells Fargo Bank | -0.05% | 10.37% | |
| American Pacific Mortgage | -0.02% | 14.81% | |
| Guaranteed Rate | -0.01% | 8.89% | |
| HomeBridge Financial Services | -0.01% | 4.44% | |
| Mann Mortgage | -0.00% | 20.00% | |
| Umpqua Bank | 0.00% | 2.96% | |
| US Bank | 0.01% | 0.74% | |
| Quicken Loans | 0.04% | 15.56% | |
| HomeStreet Bank | 0.05% | 3.70% | |
| Summit Funding Inc | 0.08% | 8.15% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.05% | 15.85% | |
| Caliber Home Loans | -0.04% | 4.88% | |
| Guaranteed Rate | -0.03% | 9.76% | |
| HomeBridge Financial Services | -0.01% | 3.66% | |
| Mann Mortgage | -0.00% | 26.83% | |
| American Pacific Mortgage | 0.01% | 15.85% | |
| Umpqua Bank | 0.01% | 3.66% | |
| US Bank | 0.01% | 1.22% | |
| Quicken Loans | 0.02% | 2.44% | |
| HomeStreet Bank | 0.05% | 6.10% | |
| Summit Funding Inc | 0.09% | 9.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| American Pacific Mortgage | -0.06% | 13.21% | |
| Caliber Home Loans | -0.05% | 18.87% | |
| Mann Mortgage | -0.02% | 9.43% | |
| HomeBridge Financial Services | -0.00% | 5.66% | |
| Umpqua Bank | -0.00% | 1.89% | |
| Guaranteed Rate | 0.01% | 7.55% | |
| Wells Fargo Bank | 0.02% | 1.89% | |
| Summit Funding Inc | 0.04% | 5.66% | |
| Quicken Loans | 0.05% | 35.85% |
* Data is compiled for the Lewiston, ID commuting zone area, which comprises of counties of Clearwater County, ID, Idaho County, ID, Lewis County, ID, Nez Perce County, ID, Asotin County, WA, and Garfield County, WA. This includes cities/towns/communities of Lewiston, ID as well as Clarkston Heights-Vineland, WA, Clarkston, WA, West Clarkston-Highland, WA, White Bird, ID, Orofino, ID, Culdesac, ID, Pierce, ID, Kooskia, ID, Pomeroy, WA, Kamiah, ID, Reubens, ID, Elk City, ID, Riggins, ID, and Cottonwood, ID. 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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