Mortgage Lenders and Brokers in Lapwai, Idaho
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Lapwai, Idaho mortgage lenders include Freedom Northwest Credit UnionFreedom Northwest Credit Union303 Main Street, Kamiah, ID 83536A+5.0 ★Texas Ratio: 3.79%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.2540 E Sunnyside Rd, Ammon, ID 83406A+5.0 ★Texas Ratio: 3.72%, US Bank, N.A.US Bank, N.A.9 S Ash St, Blackfoot, ID 83221A+5.0 ★Texas Ratio: 2.85%, Idaho Central Credit UnionIdaho Central Credit Union246 Idaho St, American Falls, ID 83211 1236A+5.0 ★Texas Ratio: 4.55%, Washington Trust BankWashington Trust Bank901 W Bannock St, Boise, ID 83702A+5.0 ★Texas Ratio: 4.63%, Potlatch No 1 Financial Credit UPotlatch No 1 Financial Credit ULewiston, ID, Rocket Mortgage, United Wholesale Mortgage, Kind Lending, LLC, and Newrez LLC. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Lapwai, Idaho in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lapwai are listed first, then lenders elsewhere in Idaho, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Lapwai, Idaho
Market share is the lender's share of all home loans closed in Lapwai, Idaho. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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303 Main Street, Kamiah, ID 83536 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 9 | 19.1% | 100% | $317,222 | View |
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2540 E Sunnyside Rd, Ammon, ID 83406 A+5.0 ★Texas Ratio: 3.72% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
4.3% | 66.7% | $705,000 | View |
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9 S Ash St, Blackfoot, ID 83221 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
2.1% | 100% | $125,000 | View |
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★ 5 stars, 1 review 246 Idaho St, American Falls, ID 83211 1236 A+5.0 ★Texas Ratio: 4.55% |
Conventional | 1 | 2.1% | 50% | $405,000 | View |
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901 W Bannock St, Boise, ID 83702 A+5.0 ★Texas Ratio: 4.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Potlatch No 1 Financial Credit U
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Conventional, HELOC | 8 +2 HELOCs |
17% | 81.8% | $217,500 | |
Rocket Mortgage
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Conventional, VA, Jumbo | 6 | 12.8% | 75% | $380,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
10.6% | 100% | $285,000 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 6.4% | 100% | $281,666 | |
Newrez LLC
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Conventional | 2 | 4.3% | 100% | $565,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 2.1% | 100% | $555,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 2.1% | 100% | $185,000 | |
Qualstar Credit Union
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Conventional | 1 | 2.1% | 100% | $55,000 | |
Cmg Mortgage Inc
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FHA | 1 | 2.1% | 100% | $295,000 | |
Horizon Credit Union
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Conventional | 1 | 2.1% | 100% | $145,000 | |
Click n' Close, Inc.
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FHA | 1 | 2.1% | 100% | $255,000 | |
Land Home Financial Services,
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Conventional | 1 | 2.1% | 100% | $285,000 | |
Evergreen Moneysource Mortgage Company
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Conventional | 1 | 2.1% | 100% | $335,000 | |
Mortgage Research Center
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VA | 1 | 2.1% | 100% | $325,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 2.1% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lapwai Mortgage Rate Trends
Daily average mortgage rates for Idaho compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Lapwai, Idaho
Looking for mortgage lenders near me or mortgage brokers near me in Lapwai? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lapwai in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lapwai, ID
Use these to narrow the list above. Each category shows how many Lapwai, ID lenders fit and what that kind of lender is usually best for.
Who Lends in Lapwai, ID
Independent mortgage companies closed 51.1 percent of home loans in Lapwai, Idaho in 2025, banks 6.4 percent and credit unions 42.6 percent. Rocket Mortgage was the largest mortgage company, Zions Bancorporation, N.A. the largest bank and Freedom Northwest Credit Union the largest credit union. Among lenders headquartered in Idaho, Freedom Northwest Credit Union led with 9 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Idaho. None
More Idaho Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Lapwai, ID
By home loans closed in 2025, Freedom Northwest Credit Union was the largest mortgage lender in Lapwai, Idaho with 9 loans, about 19.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Lapwai, Idaho in 2025, led by United Wholesale Mortgage with 1. 3 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 3 banks and 6 credit unions closed home loans in Lapwai, Idaho in 2025, alongside 13 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Lapwai, Idaho during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Lapwai, Idaho for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Lapwai. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
