Top Mortgage Lenders in Moscow, ID

Which mortgage lender in the Moscow, 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 Moscow, 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 Moscow, ID area is HomeBridge Financial Services, Inc, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.09%. This means that HomeBridge Financial Services, Inc provided a -0.09% lower interest rate for its customers than other lenders in Moscow, ID for a similar set of borrowers. HomeBridge Financial Services, Inc has a market share of 9.8%. On the other hand, the most popular lender in the market is Potlatch No 1 Financial Credit Union, with a market share of 16.1%. Potlatch No 1 Financial Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.08% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Moscow, 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 Moscow, ID is HomeBridge Financial Services, Inc. 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 Us Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is HomeBridge Financial Services, Inc. The cheapest VA mortgage provider is Zions Bancorporation. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Moscow, ID

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.09% 9.77%
Potlatch No 1 Financial Credit Union 2, -0.08% 16.15%
Washington State Employees Credit Union 3, -0.06% 6.51%
Wells Fargo Bank 4, -0.02% 11.46%
Zions Bancorporation 5, -0.00% 5.34%
Goldwater Bank National Association 6, 0.00% 4.30%
Washington Trust Bank 7, 0.01% 4.82%
Us Bank 8, 0.02% 6.25%
Platinum Home Mortgage Corporation 9, 0.04% 4.30%
Summit Funding Inc 10, 0.04% 7.16%
Quicken Loans 11, 0.06% 14.58%
HomeStreet Bank 12, 0.15% 9.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Potlatch No 1 Financial Credit Union 1, -0.15% 11.67%
HomeBridge Financial Services, Inc 2, -0.09% 13.28%
Washington State Employees Credit Union 3, -0.06% 5.03%
Wells Fargo Bank 4, -0.05% 12.07%
Goldwater Bank National Association 5, 0.01% 6.04%
Zions Bancorporation 6, 0.01% 5.03%
Us Bank 7, 0.02% 5.23%
Washington Trust Bank 8, 0.03% 5.84%
Platinum Home Mortgage Corporation 9, 0.05% 3.82%
Summit Funding Inc 10, 0.05% 10.26%
Quicken Loans 11, 0.07% 8.05%
HomeStreet Bank 12, 0.17% 13.68%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Washington State Employees Credit Union 1, -0.06% 9.23%
Washington Trust Bank 2, -0.05% 2.95%
Potlatch No 1 Financial Credit Union 3, -0.02% 24.35%
Zions Bancorporation 4, -0.02% 5.90%
HomeBridge Financial Services, Inc 5, -0.02% 3.32%
Goldwater Bank National Association 6, -0.01% 1.11%
Us Bank 7, 0.00% 8.12%
Summit Funding Inc 8, 0.01% 1.48%
HomeStreet Bank 9, 0.02% 1.48%
Platinum Home Mortgage Corporation 10, 0.02% 5.17%
Wells Fargo Bank 11, 0.03% 10.33%
Quicken Loans 12, 0.04% 26.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.09% 8.51%
Potlatch No 1 Financial Credit Union 2, -0.08% 18.51%
Washington State Employees Credit Union 3, -0.06% 7.46%
Wells Fargo Bank 4, -0.02% 12.39%
Zions Bancorporation 5, -0.00% 5.52%
Goldwater Bank National Association 6, 0.00% 4.48%
Washington Trust Bank 7, 0.01% 4.48%
Us Bank 8, 0.02% 6.57%
Platinum Home Mortgage Corporation 9, 0.04% 4.33%
Summit Funding Inc 10, 0.06% 5.37%
Quicken Loans 11, 0.06% 14.48%
HomeStreet Bank 12, 0.18% 7.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Potlatch No 1 Financial Credit Union 1, -0.15% 13.91%
HomeBridge Financial Services, Inc 2, -0.10% 12.23%
Washington State Employees Credit Union 3, -0.06% 6.00%
Wells Fargo Bank 4, -0.05% 13.19%
Goldwater Bank National Association 5, 0.01% 6.47%
Zions Bancorporation 6, 0.01% 5.04%
Us Bank 7, 0.03% 5.52%
Washington Trust Bank 8, 0.03% 5.28%
Platinum Home Mortgage Corporation 9, 0.06% 3.84%
Summit Funding Inc 10, 0.07% 8.15%
Quicken Loans 11, 0.08% 8.15%
HomeStreet Bank 12, 0.19% 12.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Washington State Employees Credit Union 1, -0.06% 9.88%
Washington Trust Bank 2, -0.05% 3.16%
Potlatch No 1 Financial Credit Union 3, -0.02% 26.09%
Zions Bancorporation 4, -0.02% 6.32%
HomeBridge Financial Services, Inc 5, -0.02% 2.37%
Goldwater Bank National Association 6, -0.01% 1.19%
Summit Funding Inc 7, -0.01% 0.79%
Us Bank 8, 0.00% 8.30%
Platinum Home Mortgage Corporation 9, 0.02% 5.14%
HomeStreet Bank 10, 0.02% 0.79%
Wells Fargo Bank 11, 0.03% 11.07%
Quicken Loans 12, 0.04% 24.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.07% 28.07%
Summit Funding Inc 2, -0.00% 21.05%
Wells Fargo Bank 3, -0.00% 1.75%
Zions Bancorporation 4, 0.00% 5.26%
Platinum Home Mortgage Corporation 5, 0.00% 5.26%
Washington Trust Bank 6, 0.01% 3.51%
Goldwater Bank National Association 7, 0.02% 1.75%
Us Bank 8, 0.03% 1.75%
Quicken Loans 9, 0.03% 14.04%
HomeStreet Bank 10, 0.08% 17.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.08% 29.79%
Summit Funding Inc 2, -0.00% 23.40%
Wells Fargo Bank 3, 0.00% 2.13%
Platinum Home Mortgage Corporation 4, 0.00% 4.26%
Zions Bancorporation 5, 0.00% 6.38%
Washington Trust Bank 6, 0.01% 4.26%
Goldwater Bank National Association 7, 0.03% 2.13%
Quicken Loans 8, 0.06% 8.51%
HomeStreet Bank 9, 0.09% 19.15%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.02% 20.00%
Quicken Loans 2, -0.01% 40.00%
Platinum Home Mortgage Corporation 3, -0.00% 10.00%
HomeStreet Bank 4, 0.01% 10.00%
Us Bank 5, 0.02% 10.00%
Summit Funding Inc 6, 0.03% 10.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 25.00%
HomeBridge Financial Services, Inc 2, -0.00% 25.00%
Washington Trust Bank 3, 0.01% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 25.00%
HomeBridge Financial Services, Inc 2, -0.00% 25.00%
Washington Trust Bank 3, 0.01% 50.00%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Zions Bancorporation 1, -0.04% 2.70%
Wells Fargo Bank 2, -0.03% 10.81%
Platinum Home Mortgage Corporation 3, -0.03% 2.70%
Washington Trust Bank 4, -0.02% 8.11%
Us Bank 5, -0.02% 5.41%
HomeBridge Financial Services, Inc 6, -0.02% 2.70%
Goldwater Bank National Association 7, -0.01% 5.41%
Quicken Loans 8, 0.00% 18.92%
Summit Funding Inc 9, 0.00% 18.92%
HomeStreet Bank 10, 0.04% 24.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Zions Bancorporation 1, -0.04% 3.45%
Wells Fargo Bank 2, -0.03% 13.79%
Platinum Home Mortgage Corporation 3, -0.03% 3.45%
Washington Trust Bank 4, -0.02% 10.34%
Us Bank 5, -0.02% 6.90%
Goldwater Bank National Association 6, -0.01% 6.90%
Quicken Loans 7, -0.01% 6.90%
Summit Funding Inc 8, 0.00% 20.69%
HomeStreet Bank 9, 0.04% 27.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.02% 12.50%
HomeStreet Bank 2, -0.01% 12.50%
Summit Funding Inc 3, -0.00% 12.50%
Quicken Loans 4, 0.01% 62.50%

* Data is compiled for the Moscow, ID commuting zone area, which comprises of counties of Latah County, ID, and Whitman County, WA. This includes cities/towns/communities of Moscow, ID as well as Pullman, WA, Potlatch, ID, Troy, ID, Genesee, ID, Palouse, WA, Colfax, WA, Tekoa, WA, and Colton, WA. 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.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Moscow, ID area. For mortgage lender rankings of other cities, click here.