Top Mortgage Lenders in the Dover, ID area

Which mortgage lender in the Dover, 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 Dover, 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 Dover, ID area is Spokane Teachers Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.13%. This means that Spokane Teachers Credit Union provided a -0.13% lower interest rate for its customers than other lenders in Dover, ID for a similar set of borrowers. Spokane Teachers Credit Union has a market share of 4.8%. On the other hand, the most popular lender in the market is Glacier Bank, with a market share of 17.6%. Glacier Bank is an average rate lender in this area, with a “Rate Difference” of -0.08% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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 $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 Primelending. The cheapest VA mortgage provider is LoanDepot. 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
Spokane Teachers Credit Union 1, -0.13% 4.82%
Glacier Bank 2, -0.08% 17.55%
Guild Mortgage Company 3, -0.02% 3.74%
Primelending 4, -0.02% 3.60%
Washington Trust Bank 5, -0.02% 2.52%
Caliber Home Loans Inc 6, -0.02% 2.66%
LoanDepot 7, -0.02% 2.45%
Wells Fargo Bank 8, -0.01% 5.68%
Us Bank 9, -0.00% 3.31%
Guaranteed Rate Inc 10, 0.01% 4.53%
American Pacific Mortgage Corporation 11, 0.01% 8.56%
Potlatch No 1 Financial Credit Union 12, 0.02% 4.89%
Platinum Home Mortgage Corporation 13, 0.03% 2.73%
Willamette Valley Bank 14, 0.03% 9.86%
Flagstar Bank 15, 0.06% 2.73%
Quicken Loans 16, 0.06% 8.99%
Evergreen Moneysource Mortgage Company 17, 0.09% 11.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Potlatch No 1 Financial Credit Union 1, -0.10% 2.82%
Glacier Bank 2, -0.06% 18.85%
Spokane Teachers Credit Union 3, -0.05% 2.95%
LoanDepot 4, -0.04% 0.38%
Wells Fargo Bank 5, -0.04% 5.00%
Us Bank 6, -0.03% 2.05%
Guild Mortgage Company 7, -0.03% 5.13%
Washington Trust Bank 8, -0.03% 1.79%
Caliber Home Loans Inc 9, -0.02% 2.82%
Primelending 10, -0.02% 4.74%
American Pacific Mortgage Corporation 11, 0.00% 8.85%
Guaranteed Rate Inc 12, 0.00% 5.13%
Willamette Valley Bank 13, 0.02% 12.56%
Platinum Home Mortgage Corporation 14, 0.02% 3.46%
Quicken Loans 15, 0.03% 3.21%
Flagstar Bank 16, 0.09% 3.59%
Evergreen Moneysource Mortgage Company 17, 0.10% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Spokane Teachers Credit Union 1, -0.17% 7.21%
Glacier Bank 2, -0.10% 15.90%
Primelending 3, -0.03% 2.13%
Caliber Home Loans Inc 4, -0.02% 2.46%
Washington Trust Bank 5, -0.01% 3.44%
LoanDepot 6, -0.01% 5.08%
Flagstar Bank 7, -0.01% 1.64%
Guild Mortgage Company 8, -0.01% 1.97%
Guaranteed Rate Inc 9, 0.01% 3.77%
Wells Fargo Bank 10, 0.01% 6.56%
Us Bank 11, 0.02% 4.92%
American Pacific Mortgage Corporation 12, 0.02% 8.20%
Platinum Home Mortgage Corporation 13, 0.03% 1.80%
Willamette Valley Bank 14, 0.05% 6.39%
Evergreen Moneysource Mortgage Company 15, 0.06% 4.59%
Quicken Loans 16, 0.08% 16.39%
Potlatch No 1 Financial Credit Union 17, 0.09% 7.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Spokane Teachers Credit Union 1, -0.13% 6.00%
Glacier Bank 2, -0.08% 20.22%
Caliber Home Loans Inc 3, -0.02% 2.22%
Washington Trust Bank 4, -0.02% 2.95%
Guild Mortgage Company 5, -0.02% 3.14%
Primelending 6, -0.02% 3.42%
Wells Fargo Bank 7, -0.01% 6.19%
LoanDepot 8, -0.01% 1.94%
Us Bank 9, 0.00% 3.05%
American Pacific Mortgage Corporation 10, 0.00% 7.48%
Guaranteed Rate Inc 11, 0.01% 4.34%
Potlatch No 1 Financial Credit Union 12, 0.02% 6.19%
Platinum Home Mortgage Corporation 13, 0.03% 2.22%
Willamette Valley Bank 14, 0.04% 9.14%
Flagstar Bank 15, 0.08% 2.86%
Quicken Loans 16, 0.09% 8.49%
Evergreen Moneysource Mortgage Company 17, 0.12% 10.16%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Potlatch No 1 Financial Credit Union 1, -0.10% 3.77%
Glacier Bank 2, -0.07% 22.47%
Spokane Teachers Credit Union 3, -0.05% 3.95%
Us Bank 4, -0.04% 1.89%
Wells Fargo Bank 5, -0.04% 5.32%
LoanDepot 6, -0.04% 0.51%
Caliber Home Loans Inc 7, -0.03% 2.57%
Washington Trust Bank 8, -0.03% 2.06%
Guild Mortgage Company 9, -0.02% 4.29%
American Pacific Mortgage Corporation 10, -0.02% 6.69%
Primelending 11, -0.01% 4.46%
Guaranteed Rate Inc 12, 0.01% 5.15%
Willamette Valley Bank 13, 0.02% 11.66%
Platinum Home Mortgage Corporation 14, 0.02% 2.57%
Quicken Loans 15, 0.03% 3.60%
Flagstar Bank 16, 0.10% 4.12%
Evergreen Moneysource Mortgage Company 17, 0.13% 14.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Spokane Teachers Credit Union 1, -0.18% 8.40%
Glacier Bank 2, -0.11% 17.60%
Primelending 3, -0.04% 2.20%
Guild Mortgage Company 4, -0.02% 1.80%
Washington Trust Bank 5, -0.01% 4.00%
Flagstar Bank 6, -0.01% 1.40%
Caliber Home Loans Inc 7, -0.01% 1.80%
LoanDepot 8, -0.00% 3.60%
Guaranteed Rate Inc 9, 0.01% 3.40%
Wells Fargo Bank 10, 0.01% 7.20%
American Pacific Mortgage Corporation 11, 0.02% 8.40%
Us Bank 12, 0.03% 4.40%
Platinum Home Mortgage Corporation 13, 0.03% 1.80%
Willamette Valley Bank 14, 0.07% 6.20%
Evergreen Moneysource Mortgage Company 15, 0.07% 4.60%
Potlatch No 1 Financial Credit Union 16, 0.09% 9.00%
Quicken Loans 17, 0.11% 14.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Primelending 1, -0.05% 5.80%
Guild Mortgage Company 2, -0.04% 10.14%
Quicken Loans 3, -0.02% 10.14%
Willamette Valley Bank 4, -0.01% 15.22%
Guaranteed Rate Inc 5, -0.00% 5.07%
Flagstar Bank 6, -0.00% 1.45%
Glacier Bank 7, 0.00% 4.35%
Caliber Home Loans Inc 8, 0.00% 2.90%
LoanDepot 9, 0.01% 1.45%
Evergreen Moneysource Mortgage Company 10, 0.02% 19.57%
American Pacific Mortgage Corporation 11, 0.02% 18.12%
Platinum Home Mortgage Corporation 12, 0.04% 5.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Primelending 1, -0.05% 6.60%
Guild Mortgage Company 2, -0.05% 12.26%
Guaranteed Rate Inc 3, -0.02% 4.72%
Willamette Valley Bank 4, -0.01% 15.09%
Flagstar Bank 5, -0.00% 0.94%
Caliber Home Loans Inc 6, 0.00% 3.77%
Quicken Loans 7, 0.00% 2.83%
Glacier Bank 8, 0.01% 2.83%
Evergreen Moneysource Mortgage Company 9, 0.02% 23.58%
American Pacific Mortgage Corporation 10, 0.03% 19.81%
Platinum Home Mortgage Corporation 11, 0.03% 7.55%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 34.38%
Primelending 2, -0.01% 3.12%
Willamette Valley Bank 3, 0.00% 15.62%
American Pacific Mortgage Corporation 4, 0.00% 12.50%
Glacier Bank 5, 0.00% 9.38%
Flagstar Bank 6, 0.01% 3.12%
Evergreen Moneysource Mortgage Company 7, 0.02% 6.25%
LoanDepot 8, 0.02% 6.25%
Guild Mortgage Company 9, 0.03% 3.12%
Guaranteed Rate Inc 10, 0.03% 6.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.02% 33.33%
Wells Fargo Bank 2, -0.01% 12.12%
Caliber Home Loans Inc 3, 0.00% 6.06%
Washington Trust Bank 4, 0.00% 9.09%
Potlatch No 1 Financial Credit Union 5, 0.00% 3.03%
Evergreen Moneysource Mortgage Company 6, 0.01% 3.03%
American Pacific Mortgage Corporation 7, 0.01% 3.03%
Guaranteed Rate Inc 8, 0.01% 12.12%
Spokane Teachers Credit Union 9, 0.02% 6.06%
Glacier Bank 10, 0.02% 9.09%
Platinum Home Mortgage Corporation 11, 0.03% 3.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 10.53%
Us Bank 2, -0.01% 21.05%
Washington Trust Bank 3, -0.01% 10.53%
Caliber Home Loans Inc 4, -0.01% 10.53%
Evergreen Moneysource Mortgage Company 5, 0.00% 5.26%
American Pacific Mortgage Corporation 6, 0.00% 5.26%
Guaranteed Rate Inc 7, 0.01% 15.79%
Glacier Bank 8, 0.01% 15.79%
Platinum Home Mortgage Corporation 9, 0.02% 5.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 50.00%
Wells Fargo Bank 2, 0.00% 14.29%
Guaranteed Rate Inc 3, 0.00% 7.14%
Potlatch No 1 Financial Credit Union 4, 0.01% 7.14%
Washington Trust Bank 5, 0.02% 7.14%
Spokane Teachers Credit Union 6, 0.03% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.05% 8.09%
Caliber Home Loans Inc 2, -0.03% 5.15%
Flagstar Bank 3, -0.02% 3.68%
Wells Fargo Bank 4, -0.02% 5.88%
Glacier Bank 5, -0.01% 11.76%
Guaranteed Rate Inc 6, -0.01% 3.68%
Us Bank 7, -0.01% 1.47%
Guild Mortgage Company 8, 0.00% 2.94%
Quicken Loans 9, 0.00% 13.97%
Primelending 10, 0.00% 3.68%
Platinum Home Mortgage Corporation 11, 0.00% 3.68%
American Pacific Mortgage Corporation 12, 0.02% 8.82%
Evergreen Moneysource Mortgage Company 13, 0.02% 14.71%
Willamette Valley Bank 14, 0.03% 12.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Glacier Bank 1, -0.04% 13.89%
Wells Fargo Bank 2, -0.03% 8.33%
Flagstar Bank 3, -0.02% 4.17%
Us Bank 4, -0.02% 1.39%
Guaranteed Rate Inc 5, -0.02% 2.78%
Guild Mortgage Company 6, -0.01% 2.78%
Caliber Home Loans Inc 7, -0.01% 1.39%
Quicken Loans 8, -0.00% 1.39%
Primelending 9, -0.00% 5.56%
Platinum Home Mortgage Corporation 10, -0.00% 4.17%
Evergreen Moneysource Mortgage Company 11, 0.01% 23.61%
American Pacific Mortgage Corporation 12, 0.02% 11.11%
Willamette Valley Bank 13, 0.03% 19.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.04% 17.19%
Caliber Home Loans Inc 2, -0.03% 9.38%
Flagstar Bank 3, -0.01% 3.12%
Willamette Valley Bank 4, -0.01% 4.69%
Primelending 5, 0.00% 1.56%
Guaranteed Rate Inc 6, 0.00% 4.69%
American Pacific Mortgage Corporation 7, 0.01% 6.25%
Platinum Home Mortgage Corporation 8, 0.01% 3.12%
Us Bank 9, 0.01% 1.56%
Quicken Loans 10, 0.01% 28.12%
Guild Mortgage Company 11, 0.02% 3.12%
Wells Fargo Bank 12, 0.02% 3.12%
Glacier Bank 13, 0.03% 9.38%
Evergreen Moneysource Mortgage Company 14, 0.03% 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 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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