Top Mortgage Lenders in the Lewiston, ID area

Which mortgage lender in the Lewiston, ID area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Lewiston, ID area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Lewiston, ID area is Potlatch No 1 Financial Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.06%. This means that Potlatch No 1 Financial Credit Union provided a -0.06% lower interest rate for its customers than other lenders in Lewiston, ID for a similar set of borrowers. Potlatch No 1 Financial Credit Union has a market share of 30.4%. It is also the most popular lender in the area.

Our detailed rankings of the mortgage lenders for 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, 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 (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Caliber Home Loans Inc. 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 Wells Fargo Bank. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Potlatch No 1 Financial Credit Union 1, -0.06% 30.37%
Mann Mortgage 2, -0.04% 10.27%
HomeBridge Financial Services, Inc 3, -0.04% 3.89%
Caliber Home Loans Inc 4, -0.03% 5.36%
Wells Fargo Bank 5, -0.03% 8.95%
Umpqua Bank 6, 0.00% 2.42%
Us Bank 7, 0.00% 6.46%
American Pacific Mortgage Corporation 8, 0.04% 6.68%
Guaranteed Rate Inc 9, 0.05% 4.33%
Quicken Loans 10, 0.09% 10.71%
Summit Funding Inc 11, 0.12% 7.12%
HomeStreet Bank 12, 0.13% 3.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Potlatch No 1 Financial Credit Union 1, -0.14% 19.27%
HomeBridge Financial Services, Inc 2, -0.06% 4.75%
Wells Fargo Bank 3, -0.05% 10.45%
Mann Mortgage 4, -0.03% 16.01%
Us Bank 5, -0.02% 5.56%
Umpqua Bank 6, 0.01% 3.12%
Caliber Home Loans Inc 7, 0.01% 4.34%
American Pacific Mortgage Corporation 8, 0.06% 9.91%
Guaranteed Rate Inc 9, 0.07% 6.11%
Quicken Loans 10, 0.11% 4.88%
HomeStreet Bank 11, 0.16% 5.56%
Summit Funding Inc 12, 0.16% 10.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.08% 6.55%
Mann Mortgage 2, -0.03% 3.51%
Potlatch No 1 Financial Credit Union 3, -0.02% 43.45%
American Pacific Mortgage Corporation 4, -0.02% 2.88%
Umpqua Bank 5, -0.01% 1.60%
HomeBridge Financial Services, Inc 6, 0.01% 2.88%
Guaranteed Rate Inc 7, 0.02% 2.24%
Us Bank 8, 0.02% 7.51%
Wells Fargo Bank 9, 0.03% 7.19%
HomeStreet Bank 10, 0.03% 0.96%
Summit Funding Inc 11, 0.03% 3.67%
Quicken Loans 12, 0.07% 17.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Potlatch No 1 Financial Credit Union 1, -0.06% 40.31%
Caliber Home Loans Inc 2, -0.03% 5.45%
Wells Fargo Bank 3, -0.02% 10.42%
HomeBridge Financial Services, Inc 4, -0.02% 2.92%
Mann Mortgage 5, -0.01% 6.04%
Umpqua Bank 6, 0.01% 2.43%
Us Bank 7, 0.01% 7.69%
American Pacific Mortgage Corporation 8, 0.06% 5.26%
Guaranteed Rate Inc 9, 0.09% 3.51%
Summit Funding Inc 10, 0.11% 3.99%
HomeStreet Bank 11, 0.13% 2.73%
Quicken Loans 12, 0.14% 9.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Potlatch No 1 Financial Credit Union 1, -0.13% 28.23%
Wells Fargo Bank 2, -0.04% 12.52%
HomeBridge Financial Services, Inc 3, -0.03% 4.17%
Us Bank 4, -0.01% 6.76%
Mann Mortgage 5, 0.02% 9.74%
Umpqua Bank 6, 0.03% 3.18%
Caliber Home Loans Inc 7, 0.03% 5.17%
American Pacific Mortgage Corporation 8, 0.09% 8.95%
Guaranteed Rate Inc 9, 0.12% 5.57%
Quicken Loans 10, 0.15% 5.57%
Summit Funding Inc 11, 0.16% 5.57%
HomeStreet Bank 12, 0.17% 4.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.09% 5.73%
Mann Mortgage 2, -0.03% 2.48%
Potlatch No 1 Financial Credit Union 3, -0.03% 51.91%
Umpqua Bank 4, -0.01% 1.72%
Us Bank 5, 0.02% 8.59%
American Pacific Mortgage Corporation 6, 0.02% 1.72%
Wells Fargo Bank 7, 0.02% 8.40%
Summit Funding Inc 8, 0.03% 2.48%
HomeStreet Bank 9, 0.03% 0.95%
Guaranteed Rate Inc 10, 0.03% 1.53%
HomeBridge Financial Services, Inc 11, 0.04% 1.72%
Quicken Loans 12, 0.13% 12.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Mann Mortgage 1, -0.10% 25.89%
HomeBridge Financial Services, Inc 2, -0.09% 8.63%
Quicken Loans 3, -0.06% 14.21%
Umpqua Bank 4, -0.03% 2.03%
Us Bank 5, -0.02% 3.55%
Caliber Home Loans Inc 6, -0.01% 1.02%
Wells Fargo Bank 7, -0.01% 0.51%
American Pacific Mortgage Corporation 8, 0.01% 8.63%
Guaranteed Rate Inc 9, 0.01% 5.58%
Summit Funding Inc 10, 0.14% 22.84%
HomeStreet Bank 11, 0.16% 7.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.13% 7.28%
Mann Mortgage 2, -0.12% 31.13%
Umpqua Bank 3, -0.04% 2.65%
Us Bank 4, -0.03% 3.97%
Caliber Home Loans Inc 5, -0.02% 0.66%
Wells Fargo Bank 6, -0.02% 0.66%
American Pacific Mortgage Corporation 7, -0.00% 9.93%
Guaranteed Rate Inc 8, -0.00% 5.96%
Quicken Loans 9, 0.01% 3.97%
Summit Funding Inc 10, 0.14% 25.17%
HomeStreet Bank 11, 0.16% 8.61%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.05% 47.83%
American Pacific Mortgage Corporation 2, 0.01% 4.35%
HomeBridge Financial Services, Inc 3, 0.01% 13.04%
Mann Mortgage 4, 0.03% 8.70%
Caliber Home Loans Inc 5, 0.03% 2.17%
Guaranteed Rate Inc 6, 0.04% 4.35%
HomeStreet Bank 7, 0.05% 2.17%
Us Bank 8, 0.06% 2.17%
Summit Funding Inc 9, 0.08% 15.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.00% 50.00%
Us Bank 2, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.04% 10.22%
Caliber Home Loans Inc 2, -0.04% 10.22%
American Pacific Mortgage Corporation 3, -0.02% 14.60%
Guaranteed Rate Inc 4, -0.01% 8.76%
HomeBridge Financial Services, Inc 5, -0.01% 4.38%
Mann Mortgage 6, -0.00% 19.71%
Umpqua Bank 7, 0.01% 2.92%
Us Bank 8, 0.01% 0.73%
Quicken Loans 9, 0.03% 16.79%
HomeStreet Bank 10, 0.06% 3.65%
Summit Funding Inc 11, 0.08% 8.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.05% 15.85%
Caliber Home Loans Inc 2, -0.04% 4.88%
Guaranteed Rate Inc 3, -0.03% 9.76%
HomeBridge Financial Services, Inc 4, -0.01% 3.66%
Mann Mortgage 5, -0.00% 26.83%
American Pacific Mortgage Corporation 6, 0.01% 15.85%
Umpqua Bank 7, 0.01% 3.66%
Us Bank 8, 0.01% 1.22%
Quicken Loans 9, 0.02% 2.44%
HomeStreet Bank 10, 0.05% 6.10%
Summit Funding Inc 11, 0.09% 9.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
American Pacific Mortgage Corporation 1, -0.06% 12.73%
Caliber Home Loans Inc 2, -0.04% 18.18%
Mann Mortgage 3, -0.01% 9.09%
HomeBridge Financial Services, Inc 4, 0.00% 5.45%
Umpqua Bank 5, 0.00% 1.82%
Guaranteed Rate Inc 6, 0.02% 7.27%
Wells Fargo Bank 7, 0.03% 1.82%
Quicken Loans 8, 0.03% 38.18%
Summit Funding Inc 9, 0.04% 5.45%

* 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 for the data comes from 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 based on the MSA, 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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