Top Mortgage Lenders in Hayden, ID

Lender Rankings / Last Updated: January 25, 2021

Which mortgage lender in the Hayden, 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 Hayden, 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 Hayden, ID area in terms of interest rate is Spokane Teachers Credit Union, with an average “Rate Difference” of -0.19%. This means that, comparing similar borrowers, Spokane Teachers Credit Union provided a -0.19% lower interest rate for its customers than other lenders in the area. Spokane Teachers Credit Union has a market share of 3.7%. On the other hand, the most popular lender in the Hayden, ID area is Willamette Valley Bank, with a larger market share of 16.6%. Willamette Valley Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.07% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Hayden, 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 Hayden, 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 Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Banner Bank. The cheapest VA mortgage provider is First Interstate 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 Hayden, ID

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Spokane Teachers Credit Union-0.19%(4.5)3.74%
Idaho Central Credit Union-0.15%(4.0)5.03%
US Bank-0.10%(4.0)2.80%
Keller Mortgage-0.08%(4.0)0.73%
Bank of America-0.07%(4.0)1.20%
Amerisave Mortgage Corporation-0.07%(4.0)0.59%
First Interstate Bank-0.07%(4.0)2.80%
Washington Trust Bank-0.05%(4.0)1.53%
Glacier Bank-0.05%(4.0)10.89%
Umpqua Bank-0.03%(3.5)3.20%
Global Credit Union-0.03%(3.5)1.06%
Banner Bank-0.03%(3.5)0.56%
loanDepot-0.03%(3.5)1.43%
Flagstar Bank-0.02%(3.5)1.20%
JPMorgan Chase Bank-0.01%(3.5)1.46%
PennyMac Loan Services-0.01%(3.5)1.08%
New American Funding-0.01%(3.5)0.61%
Academy Mortgage Corporation Utah-0.01%(3.5)4.52%
Wells Fargo Bank0.00%(3.5)3.95%
Guild Mortgage Company0.00%(3.5)0.84%
USAA0.00%(3.5)1.22%
Finance of America Mortgage0.01%(3.5)0.57%
Caliber Home Loans0.01%(3.5)0.75%
Premier Mortgage Resources0.01%(3.5)2.14%
Cardinal Financial Company0.02%(3.5)1.20%
American Pacific Mortgage0.02%(3.5)1.29%
Stearns Home Loans0.02%(3.5)2.05%
Fairway Independent Mortgage Corporation0.02%(3.5)1.24%
Platinum Home Mortgage Corporation0.03%(3.5)7.19%
Numerica Credit Union0.03%(3.5)2.07%
Potlatch No 1 Financial Credit Union0.05%(3.5)2.56%
Freedom Mortgage Corporation0.05%(3.0)0.68%
Willamette Valley Bank0.07%(3.0)16.61%
Evergreen Moneysource Mortgage Company0.09%(3.0)1.93%
Quicken Loans0.10%(3.0)7.52%
HomeStreet Bank0.11%(3.0)0.85%
Mr. Cooper0.13%(3.0)0.92%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.14%(4.0)5.89%
Potlatch No 1 Financial Credit Union-0.12%(4.0)0.77%
Bank of America-0.11%(4.0)0.96%
Spokane Teachers Credit Union-0.11%(4.0)2.16%
First Interstate Bank-0.10%(4.0)3.36%
US Bank-0.10%(4.0)2.25%
Keller Mortgage-0.09%(4.0)1.02%
Global Credit Union-0.08%(4.0)0.80%
Washington Trust Bank-0.07%(4.0)1.60%
Wells Fargo Bank-0.07%(4.0)3.15%
JPMorgan Chase Bank-0.06%(4.0)1.45%
Glacier Bank-0.05%(3.5)13.07%
Banner Bank-0.04%(3.5)0.59%
PennyMac Loan Services-0.03%(3.5)0.28%
Umpqua Bank-0.03%(3.5)4.04%
loanDepot-0.02%(3.5)0.15%
Numerica Credit Union-0.01%(3.5)1.48%
Flagstar Bank-0.01%(3.5)1.48%
Amerisave Mortgage Corporation-0.00%(3.5)0.06%
Freedom Mortgage Corporation-0.00%(3.5)0.03%
Premier Mortgage Resources0.00%(3.5)2.65%
Guild Mortgage Company0.01%(3.5)0.74%
Academy Mortgage Corporation Utah0.01%(3.5)5.43%
New American Funding0.01%(3.5)0.34%
Quicken Loans0.02%(3.5)2.62%
Mr. Cooper0.02%(3.5)0.09%
USAA0.02%(3.5)1.36%
Cardinal Financial Company0.03%(3.5)1.39%
Finance of America Mortgage0.03%(3.5)0.49%
American Pacific Mortgage0.03%(3.5)1.48%
Caliber Home Loans0.03%(3.5)0.71%
Fairway Independent Mortgage Corporation0.04%(3.5)1.54%
Platinum Home Mortgage Corporation0.04%(3.5)8.02%
Stearns Home Loans0.05%(3.5)2.34%
Willamette Valley Bank0.09%(3.0)21.83%
Evergreen Moneysource Mortgage Company0.10%(3.0)2.93%
HomeStreet Bank0.11%(3.0)1.45%
Lender NameRate DifferenceRate RatingMarket Share
Spokane Teachers Credit Union-0.23%(4.5)5.79%
Idaho Central Credit Union-0.16%(4.5)3.91%
US Bank-0.10%(4.0)3.51%
Amerisave Mortgage Corporation-0.07%(4.0)1.28%
Glacier Bank-0.06%(4.0)8.06%
Umpqua Bank-0.06%(4.0)2.12%
Keller Mortgage-0.04%(3.5)0.36%
Academy Mortgage Corporation Utah-0.04%(3.5)3.35%
Flagstar Bank-0.04%(3.5)0.84%
Bank of America-0.04%(3.5)1.52%
Stearns Home Loans-0.03%(3.5)1.68%
loanDepot-0.02%(3.5)3.07%
USAA-0.02%(3.5)1.04%
Washington Trust Bank-0.02%(3.5)1.44%
New American Funding-0.02%(3.5)0.96%
Banner Bank-0.01%(3.5)0.52%
Caliber Home Loans-0.01%(3.5)0.80%
Finance of America Mortgage-0.01%(3.5)0.68%
PennyMac Loan Services-0.01%(3.5)2.12%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.84%
Guild Mortgage Company-0.00%(3.5)0.96%
American Pacific Mortgage0.00%(3.5)1.04%
Cardinal Financial Company0.00%(3.5)0.96%
Global Credit Union0.00%(3.5)1.40%
First Interstate Bank0.00%(3.5)2.08%
HomeStreet Bank0.01%(3.5)0.08%
Evergreen Moneysource Mortgage Company0.01%(3.5)0.64%
Platinum Home Mortgage Corporation0.01%(3.5)6.11%
Willamette Valley Bank0.04%(3.5)9.86%
Premier Mortgage Resources0.04%(3.5)1.48%
JPMorgan Chase Bank0.05%(3.5)1.48%
Wells Fargo Bank0.05%(3.0)4.99%
Freedom Mortgage Corporation0.06%(3.0)1.52%
Numerica Credit Union0.07%(3.0)2.83%
Potlatch No 1 Financial Credit Union0.08%(3.0)4.87%
Quicken Loans0.13%(3.0)13.85%
Mr. Cooper0.14%(3.0)2.00%
Lender NameRate DifferenceRate RatingMarket Share
Spokane Teachers Credit Union-0.19%(4.5)4.89%
Idaho Central Credit Union-0.17%(4.5)5.28%
US Bank-0.11%(4.0)3.26%
Keller Mortgage-0.09%(4.0)0.80%
Amerisave Mortgage Corporation-0.09%(4.0)0.62%
Bank of America-0.07%(4.0)1.33%
Glacier Bank-0.06%(4.0)11.81%
First Interstate Bank-0.06%(4.0)3.14%
Washington Trust Bank-0.06%(4.0)1.65%
loanDepot-0.04%(3.5)1.08%
Global Credit Union-0.03%(3.5)1.01%
Umpqua Bank-0.03%(3.5)3.30%
Banner Bank-0.02%(3.5)0.50%
New American Funding-0.02%(3.5)0.48%
JPMorgan Chase Bank-0.02%(3.5)1.63%
USAA-0.01%(3.5)0.50%
Flagstar Bank-0.01%(3.5)1.08%
PennyMac Loan Services-0.01%(3.5)0.67%
Academy Mortgage Corporation Utah-0.01%(3.5)3.83%
Wells Fargo Bank0.00%(3.5)4.59%
Finance of America Mortgage0.01%(3.5)0.53%
Guild Mortgage Company0.01%(3.5)0.46%
Cardinal Financial Company0.01%(3.5)1.08%
Premier Mortgage Resources0.03%(3.5)2.11%
Caliber Home Loans0.03%(3.5)0.64%
American Pacific Mortgage0.03%(3.5)1.22%
Freedom Mortgage Corporation0.03%(3.5)0.21%
Fairway Independent Mortgage Corporation0.04%(3.5)1.01%
Numerica Credit Union0.05%(3.5)2.32%
Potlatch No 1 Financial Credit Union0.05%(3.5)3.37%
Platinum Home Mortgage Corporation0.06%(3.0)7.18%
Stearns Home Loans0.06%(3.0)1.84%
Evergreen Moneysource Mortgage Company0.08%(3.0)1.74%
Willamette Valley Bank0.09%(3.0)15.85%
HomeStreet Bank0.13%(3.0)0.92%
Quicken Loans0.14%(3.0)7.30%
Mr. Cooper0.18%(2.5)0.78%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.17%(4.5)5.99%
Bank of America-0.13%(4.0)1.01%
US Bank-0.12%(4.0)2.35%
Potlatch No 1 Financial Credit Union-0.11%(4.0)1.05%
Spokane Teachers Credit Union-0.11%(4.0)2.89%
Keller Mortgage-0.10%(4.0)1.13%
First Interstate Bank-0.10%(4.0)3.77%
Global Credit Union-0.09%(4.0)0.84%
Washington Trust Bank-0.08%(4.0)1.84%
JPMorgan Chase Bank-0.07%(4.0)1.59%
Wells Fargo Bank-0.07%(4.0)3.56%
Glacier Bank-0.05%(4.0)14.42%
loanDepot-0.04%(3.5)0.13%
Banner Bank-0.03%(3.5)0.54%
PennyMac Loan Services-0.03%(3.5)0.29%
Umpqua Bank-0.02%(3.5)4.36%
USAA-0.01%(3.5)0.67%
Amerisave Mortgage Corporation-0.01%(3.5)0.04%
Numerica Credit Union-0.00%(3.5)1.59%
Flagstar Bank0.00%(3.5)1.30%
Academy Mortgage Corporation Utah0.02%(3.5)4.44%
Premier Mortgage Resources0.02%(3.5)2.60%
New American Funding0.02%(3.5)0.38%
Cardinal Financial Company0.02%(3.5)1.30%
Quicken Loans0.03%(3.5)2.60%
Finance of America Mortgage0.03%(3.5)0.46%
Mr. Cooper0.03%(3.5)0.08%
Guild Mortgage Company0.04%(3.5)0.42%
American Pacific Mortgage0.04%(3.5)1.42%
Caliber Home Loans0.04%(3.5)0.75%
Fairway Independent Mortgage Corporation0.06%(3.0)1.30%
Platinum Home Mortgage Corporation0.09%(3.0)7.80%
Stearns Home Loans0.09%(3.0)2.22%
Willamette Valley Bank0.10%(3.0)20.70%
Evergreen Moneysource Mortgage Company0.10%(3.0)2.56%
HomeStreet Bank0.13%(3.0)1.59%
Lender NameRate DifferenceRate RatingMarket Share
Spokane Teachers Credit Union-0.23%(4.5)7.30%
Idaho Central Credit Union-0.18%(4.5)4.41%
US Bank-0.10%(4.0)4.36%
Amerisave Mortgage Corporation-0.09%(4.0)1.32%
Glacier Bank-0.08%(4.0)8.67%
Umpqua Bank-0.06%(4.0)2.03%
Keller Mortgage-0.05%(3.5)0.41%
Academy Mortgage Corporation Utah-0.04%(3.5)3.09%
New American Funding-0.04%(3.5)0.61%
loanDepot-0.04%(3.5)2.23%
Flagstar Bank-0.04%(3.5)0.81%
Bank of America-0.04%(3.5)1.72%
Washington Trust Bank-0.03%(3.5)1.42%
USAA-0.02%(3.5)0.30%
Guild Mortgage Company-0.01%(3.5)0.51%
Finance of America Mortgage-0.01%(3.5)0.61%
Banner Bank-0.01%(3.5)0.46%
Caliber Home Loans-0.01%(3.5)0.51%
Stearns Home Loans-0.01%(3.5)1.37%
Cardinal Financial Company-0.01%(3.5)0.81%
American Pacific Mortgage-0.00%(3.5)0.96%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.66%
PennyMac Loan Services0.00%(3.5)1.12%
HomeStreet Bank0.01%(3.5)0.10%
Evergreen Moneysource Mortgage Company0.01%(3.5)0.76%
First Interstate Bank0.01%(3.5)2.38%
Platinum Home Mortgage Corporation0.02%(3.5)6.44%
Global Credit Union0.02%(3.5)1.22%
Freedom Mortgage Corporation0.03%(3.5)0.46%
Premier Mortgage Resources0.04%(3.5)1.52%
Willamette Valley Bank0.04%(3.5)9.98%
JPMorgan Chase Bank0.05%(3.0)1.67%
Wells Fargo Bank0.06%(3.0)5.83%
Numerica Credit Union0.08%(3.0)3.19%
Potlatch No 1 Financial Credit Union0.08%(3.0)6.18%
Quicken Loans0.16%(2.5)12.98%
Mr. Cooper0.19%(2.5)1.62%
Lender NameRate DifferenceRate RatingMarket Share
Banner Bank-0.07%(4.0)0.62%
Platinum Home Mortgage Corporation-0.07%(4.0)9.29%
Stearns Home Loans-0.07%(4.0)3.56%
First Interstate Bank-0.06%(4.0)0.93%
Washington Trust Bank-0.05%(4.0)0.93%
Numerica Credit Union-0.05%(4.0)0.93%
Glacier Bank-0.05%(3.5)6.35%
Global Credit Union-0.04%(3.5)1.24%
Academy Mortgage Corporation Utah-0.03%(3.5)8.05%
Idaho Central Credit Union-0.03%(3.5)4.33%
Premier Mortgage Resources-0.02%(3.5)3.56%
Keller Mortgage-0.02%(3.5)0.46%
Quicken Loans-0.02%(3.5)8.98%
Amerisave Mortgage Corporation-0.01%(3.5)0.15%
Guild Mortgage Company-0.01%(3.5)2.01%
Umpqua Bank-0.01%(3.5)2.17%
Flagstar Bank-0.01%(3.5)1.24%
Fairway Independent Mortgage Corporation-0.00%(3.5)2.32%
US Bank-0.00%(3.5)0.15%
Caliber Home Loans0.00%(3.5)0.77%
PennyMac Loan Services0.01%(3.5)0.62%
American Pacific Mortgage0.01%(3.5)2.17%
New American Funding0.01%(3.5)1.24%
Wells Fargo Bank0.01%(3.5)0.31%
Cardinal Financial Company0.03%(3.5)2.32%
Finance of America Mortgage0.03%(3.5)0.77%
Mr. Cooper0.03%(3.5)1.86%
HomeStreet Bank0.04%(3.5)0.93%
Willamette Valley Bank0.05%(3.5)25.08%
loanDepot0.05%(3.0)1.08%
Freedom Mortgage Corporation0.07%(3.0)1.70%
Evergreen Moneysource Mortgage Company0.13%(3.0)3.87%
Lender NameRate DifferenceRate RatingMarket Share
Platinum Home Mortgage Corporation-0.09%(4.0)10.18%
Banner Bank-0.07%(4.0)0.88%
Stearns Home Loans-0.07%(4.0)3.32%
Washington Trust Bank-0.06%(4.0)1.11%
First Interstate Bank-0.06%(4.0)1.33%
Numerica Credit Union-0.06%(4.0)1.11%
Glacier Bank-0.06%(4.0)7.96%
Global Credit Union-0.03%(3.5)0.88%
Idaho Central Credit Union-0.03%(3.5)5.53%
Premier Mortgage Resources-0.03%(3.5)4.42%
Guild Mortgage Company-0.03%(3.5)1.55%
Academy Mortgage Corporation Utah-0.02%(3.5)8.19%
Keller Mortgage-0.02%(3.5)0.66%
PennyMac Loan Services-0.02%(3.5)0.22%
New American Funding-0.01%(3.5)0.44%
Flagstar Bank-0.01%(3.5)1.77%
Umpqua Bank-0.01%(3.5)2.65%
Fairway Independent Mortgage Corporation-0.01%(3.5)2.43%
US Bank-0.00%(3.5)0.22%
Quicken Loans-0.00%(3.5)2.21%
loanDepot-0.00%(3.5)0.22%
Caliber Home Loans0.00%(3.5)0.66%
American Pacific Mortgage0.01%(3.5)2.21%
Cardinal Financial Company0.03%(3.5)1.99%
Finance of America Mortgage0.03%(3.5)0.88%
HomeStreet Bank0.04%(3.5)1.33%
Willamette Valley Bank0.06%(3.0)30.09%
Evergreen Moneysource Mortgage Company0.12%(3.0)5.53%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.06%(4.0)4.12%
Academy Mortgage Corporation Utah-0.05%(4.0)7.73%
Global Credit Union-0.04%(3.5)2.06%
Quicken Loans-0.02%(3.5)24.74%
Umpqua Bank-0.02%(3.5)1.03%
Idaho Central Credit Union-0.01%(3.5)1.55%
Glacier Bank-0.01%(3.5)2.58%
Washington Trust Bank-0.01%(3.5)0.52%
Numerica Credit Union-0.01%(3.5)0.52%
Amerisave Mortgage Corporation-0.01%(3.5)0.52%
Platinum Home Mortgage Corporation-0.00%(3.5)7.22%
Caliber Home Loans-0.00%(3.5)1.03%
Fairway Independent Mortgage Corporation-0.00%(3.5)2.06%
Willamette Valley Bank-0.00%(3.5)13.40%
American Pacific Mortgage0.02%(3.5)2.06%
PennyMac Loan Services0.02%(3.5)1.55%
Wells Fargo Bank0.02%(3.5)1.03%
Guild Mortgage Company0.02%(3.5)3.09%
New American Funding0.03%(3.5)3.09%
Cardinal Financial Company0.03%(3.5)3.09%
Premier Mortgage Resources0.03%(3.5)1.55%
Finance of America Mortgage0.03%(3.5)0.52%
Mr. Cooper0.04%(3.5)6.19%
loanDepot0.07%(3.0)3.09%
Freedom Mortgage Corporation0.08%(3.0)5.67%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.03%(3.5)8.40%
Idaho Central Credit Union-0.02%(3.5)15.27%
Wells Fargo Bank-0.02%(3.5)13.74%
Keller Mortgage-0.01%(3.5)1.53%
First Interstate Bank-0.00%(3.5)1.53%
Flagstar Bank-0.00%(3.5)0.76%
Global Credit Union0.00%(3.5)1.53%
Quicken Loans0.00%(3.5)3.82%
US Bank0.00%(3.5)11.45%
loanDepot0.00%(3.5)0.76%
Spokane Teachers Credit Union0.00%(3.5)1.53%
Umpqua Bank0.00%(3.5)1.53%
Numerica Credit Union0.01%(3.5)1.53%
Washington Trust Bank0.01%(3.5)3.05%
Platinum Home Mortgage Corporation0.01%(3.5)7.63%
Banner Bank0.01%(3.5)0.76%
Glacier Bank0.02%(3.5)6.11%
JPMorgan Chase Bank0.02%(3.5)9.92%
Guild Mortgage Company0.02%(3.5)2.29%
American Pacific Mortgage0.03%(3.5)0.76%
Willamette Valley Bank0.03%(3.5)4.58%
Caliber Home Loans0.04%(3.5)1.53%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.03%(3.5)8.64%
Wells Fargo Bank-0.02%(3.5)13.58%
Idaho Central Credit Union-0.01%(3.5)18.52%
Keller Mortgage-0.01%(3.5)1.23%
First Interstate Bank-0.00%(3.5)1.23%
Flagstar Bank-0.00%(3.5)1.23%
Global Credit Union0.00%(3.5)2.47%
Umpqua Bank0.00%(3.5)1.23%
US Bank0.00%(3.5)16.05%
Quicken Loans0.01%(3.5)3.70%
Washington Trust Bank0.01%(3.5)1.23%
Spokane Teachers Credit Union0.01%(3.5)1.23%
JPMorgan Chase Bank0.01%(3.5)11.11%
Glacier Bank0.02%(3.5)6.17%
Platinum Home Mortgage Corporation0.03%(3.5)6.17%
Willamette Valley Bank0.04%(3.5)6.17%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.04%(3.5)8.00%
Idaho Central Credit Union-0.03%(3.5)10.00%
Wells Fargo Bank-0.01%(3.5)14.00%
Keller Mortgage-0.01%(3.5)2.00%
Quicken Loans-0.01%(3.5)4.00%
Platinum Home Mortgage Corporation-0.01%(3.5)10.00%
First Interstate Bank-0.00%(3.5)2.00%
Spokane Teachers Credit Union-0.00%(3.5)2.00%
US Bank0.00%(3.5)4.00%
loanDepot0.00%(3.5)2.00%
Willamette Valley Bank0.00%(3.5)2.00%
Umpqua Bank0.01%(3.5)2.00%
Numerica Credit Union0.01%(3.5)4.00%
Glacier Bank0.01%(3.5)6.00%
Washington Trust Bank0.01%(3.5)6.00%
Banner Bank0.01%(3.5)2.00%
Guild Mortgage Company0.02%(3.5)6.00%
JPMorgan Chase Bank0.02%(3.5)8.00%
American Pacific Mortgage0.03%(3.5)2.00%
Caliber Home Loans0.04%(3.5)4.00%
Lender NameRate DifferenceRate RatingMarket Share
First Interstate Bank-0.11%(4.0)2.61%
Umpqua Bank-0.07%(4.0)3.92%
Platinum Home Mortgage Corporation-0.05%(4.0)4.90%
Flagstar Bank-0.05%(4.0)2.12%
Idaho Central Credit Union-0.05%(4.0)1.80%
Banner Bank-0.04%(3.5)0.82%
Wells Fargo Bank-0.04%(3.5)1.14%
New American Funding-0.03%(3.5)0.98%
Numerica Credit Union-0.03%(3.5)1.63%
Caliber Home Loans-0.03%(3.5)1.31%
Stearns Home Loans-0.03%(3.5)2.45%
PennyMac Loan Services-0.03%(3.5)4.74%
loanDepot-0.03%(3.5)4.41%
Global Credit Union-0.03%(3.5)1.14%
Guild Mortgage Company-0.02%(3.5)1.96%
American Pacific Mortgage-0.02%(3.5)0.98%
Finance of America Mortgage-0.02%(3.5)0.82%
Washington Trust Bank-0.02%(3.5)0.98%
Keller Mortgage-0.02%(3.5)0.33%
US Bank-0.01%(3.5)0.49%
Fairway Independent Mortgage Corporation-0.00%(3.5)1.96%
Premier Mortgage Resources-0.00%(3.5)1.31%
USAA0.00%(3.5)7.84%
Amerisave Mortgage Corporation0.00%(3.5)0.98%
Evergreen Moneysource Mortgage Company0.01%(3.5)1.63%
Cardinal Financial Company0.01%(3.5)1.14%
HomeStreet Bank0.01%(3.5)0.49%
Academy Mortgage Corporation Utah0.01%(3.5)6.70%
Glacier Bank0.03%(3.5)10.13%
Willamette Valley Bank0.04%(3.5)15.69%
Freedom Mortgage Corporation0.05%(3.5)3.10%
Quicken Loans0.05%(3.5)8.33%
Mr. Cooper0.05%(3.5)1.14%
Lender NameRate DifferenceRate RatingMarket Share
First Interstate Bank-0.13%(4.0)3.70%
Umpqua Bank-0.09%(4.0)4.32%
Platinum Home Mortgage Corporation-0.07%(4.0)7.10%
Idaho Central Credit Union-0.06%(4.0)2.47%
Flagstar Bank-0.06%(4.0)2.47%
Wells Fargo Bank-0.05%(3.5)1.85%
Numerica Credit Union-0.05%(3.5)1.54%
Banner Bank-0.04%(3.5)0.62%
Finance of America Mortgage-0.03%(3.5)0.31%
American Pacific Mortgage-0.03%(3.5)1.23%
Keller Mortgage-0.02%(3.5)0.62%
Premier Mortgage Resources-0.02%(3.5)1.23%
Freedom Mortgage Corporation-0.02%(3.5)0.31%
PennyMac Loan Services-0.02%(3.5)0.31%
Mr. Cooper-0.02%(3.5)0.31%
Washington Trust Bank-0.01%(3.5)0.62%
Amerisave Mortgage Corporation-0.01%(3.5)0.31%
Guild Mortgage Company-0.01%(3.5)2.16%
Quicken Loans-0.01%(3.5)3.09%
US Bank-0.01%(3.5)0.93%
Caliber Home Loans-0.01%(3.5)0.62%
loanDepot-0.00%(3.5)0.31%
Fairway Independent Mortgage Corporation0.00%(3.5)2.47%
Stearns Home Loans0.00%(3.5)2.47%
Evergreen Moneysource Mortgage Company0.01%(3.5)2.78%
HomeStreet Bank0.01%(3.5)0.93%
Academy Mortgage Corporation Utah0.01%(3.5)10.19%
Cardinal Financial Company0.02%(3.5)1.54%
USAA0.03%(3.5)8.64%
Glacier Bank0.04%(3.5)12.04%
Willamette Valley Bank0.05%(3.0)22.53%
Lender NameRate DifferenceRate RatingMarket Share
Stearns Home Loans-0.07%(4.0)2.43%
Umpqua Bank-0.06%(4.0)3.47%
First Interstate Bank-0.05%(3.5)1.39%
Flagstar Bank-0.05%(3.5)1.74%
Guild Mortgage Company-0.04%(3.5)1.74%
USAA-0.04%(3.5)6.94%
Caliber Home Loans-0.03%(3.5)2.08%
Banner Bank-0.03%(3.5)1.04%
Idaho Central Credit Union-0.03%(3.5)1.04%
New American Funding-0.03%(3.5)2.08%
Platinum Home Mortgage Corporation-0.03%(3.5)2.43%
Cardinal Financial Company-0.02%(3.5)0.69%
loanDepot-0.02%(3.5)9.03%
PennyMac Loan Services-0.02%(3.5)9.72%
Global Credit Union-0.02%(3.5)2.43%
Washington Trust Bank-0.02%(3.5)1.39%
Evergreen Moneysource Mortgage Company-0.02%(3.5)0.35%
Fairway Independent Mortgage Corporation-0.02%(3.5)1.39%
American Pacific Mortgage-0.02%(3.5)0.69%
Numerica Credit Union-0.01%(3.5)1.74%
Finance of America Mortgage-0.01%(3.5)1.39%
Willamette Valley Bank0.01%(3.5)7.99%
Wells Fargo Bank0.01%(3.5)0.35%
Academy Mortgage Corporation Utah0.01%(3.5)2.78%
Amerisave Mortgage Corporation0.01%(3.5)1.74%
Premier Mortgage Resources0.01%(3.5)1.39%
Glacier Bank0.03%(3.5)7.99%
Freedom Mortgage Corporation0.05%(3.0)6.25%
Mr. Cooper0.06%(3.0)2.08%
Quicken Loans0.06%(3.0)14.24%

* Data is compiled for the Hayden, ID commuting zone area, which comprises of counties of Benewah County, ID, Kootenai County, ID, and Shoshone County, ID. This includes cities/towns/communities of Hayden, ID as well as Post Falls, ID, Coeur dAlene, ID, Rathdrum, ID, Athol, ID, Spirit Lake, ID, Hauser, ID, Huetter, ID, State Line, ID, Hayden Lake, ID, Harrison, ID, Conkling Park, ID, Wallace, ID, Pinehurst, ID, St. Maries, ID, Smelterville, ID, Dalton Gardens, ID, and Parkline, 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.

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