Mortgage Lenders and Brokers in Sandpoint, 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
Sandpoint, Idaho mortgage lenders include Glacier BankGlacier Bank1323 Highway 2, Sandpoint, ID 83864A+5.0 ★Texas Ratio: 1.87%, US Bank, N.A.US Bank, N.A.201 Main St, Sandpoint, ID 83864A+5.0 ★Texas Ratio: 2.85%, Washington Trust BankWashington Trust Bank509 N Fifth Ave, Sandpoint, ID 83864A+5.0 ★Texas Ratio: 4.63%, Wells Fargo Bank NAWells Fargo Bank NA320 N Fourth Ave, Sandpoint, ID 83864A+5.0 ★Texas Ratio: 5.36%, Columbia BankColumbia Bank414 Church Street, Sandpoint, ID 83864A+5.0 ★Texas Ratio: 2.28%, Washington FederalWashington Federal405 N Second Ave, Sandpoint, ID 83864A+5.0 ★Texas Ratio: 4.48%, Idaho Central Credit UnionIdaho Central Credit Union246 Idaho St, American Falls, ID 83211 1236A+5.0 ★Texas Ratio: 4.55%, Freedom Northwest Credit UnionFreedom Northwest Credit Union303 Main Street, Kamiah, ID 83536A+5.0 ★Texas Ratio: 3.79%, First Interstate BankFirst Interstate Bank8351 W Overland Rd, Boise, ID 83709A+5.0 ★Texas Ratio: 4.72%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1711 S 25th E, Ammon, ID 83406A+5.0 ★Texas Ratio: 3.68%. 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 Sandpoint, Idaho in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sandpoint 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 Sandpoint, Idaho
Market share is the lender's share of all home loans closed in Sandpoint, 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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1 office in Sandpoint 1323 Highway 2, Sandpoint, ID 83864 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA, Jumbo, HELOC | 12 +7 HELOCs |
7.5% | 92.3% | $558,333 | View |
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1 office in Sandpoint 201 Main St, Sandpoint, ID 83864 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
3.1% | 50% | $961,000 | View |
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1 office in Sandpoint 509 N Fifth Ave, Sandpoint, ID 83864 A+5.0 ★Texas Ratio: 4.63% |
Conventional, HELOC | 4 +9 HELOCs |
2.5% | 66.7% | $417,500 | View |
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1 office in Sandpoint 320 N Fourth Ave, Sandpoint, ID 83864 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.2% | 100% | $315,000 | View |
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1 office in Sandpoint 414 Church Street, Sandpoint, ID 83864 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $355,000 | View |
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1 office in Sandpoint 405 N Second Ave, Sandpoint, ID 83864 A+5.0 ★Texas Ratio: 4.48% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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, Jumbo, HELOC | 9 +6 HELOCs |
5.6% | 100% | $499,444 | View |
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303 Main Street, Kamiah, ID 83536 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 3 | 1.9% | 100% | $255,000 | View |
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★ 1 stars, 1 review 8351 W Overland Rd, Boise, ID 83709 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 1 +4 HELOCs |
0.6% | 100% | $485,000 | View |
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1711 S 25th E, Ammon, ID 83406 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $435,000 | View |
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8521 W Franklin Rd, Boise, ID 83709 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $425,000 | View |
Premier Mortgage Resources, LLC
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Conventional, Jumbo | 4 | 2.5% | 100% | $522,500 | |
Potlatch No 1 Financial Credit U
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Cmg Mortgage Inc
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Conventional, VA, HELOC | 17 +2 HELOCs |
10.6% | 94.7% | $405,588 | |
Rocket Mortgage
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Conventional | 14 | 8.7% | 73.7% | $267,857 | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA, VA | 12 | 7.5% | 100% | $334,166 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 5.6% | 90% | $535,000 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 3 +2 HELOCs |
1.9% | 100% | $448,333 | |
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A+5.0 ★Texas Ratio: 2.22% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
1.9% | 100% | $1,015,000 | View |
Pennymac Loan Services LLC
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Conventional | 3 | 1.9% | 100% | $285,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 3 | 1.9% | 100% | $468,333 | |
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A+5.0 ★Texas Ratio: 0.89% |
Conventional | 3 | 1.9% | 100% | $435,000 | View |
Spokane Teachers Credit Union
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Conventional, HELOC | 2 +7 HELOCs |
1.2% | 50% | $100,000 | |
Farmers Insurance Federal Credit Union
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Conventional | 2 | 1.2% | 100% | $185,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 1.2% | 100% | $400,000 | |
First Colony Mortgage Corporat
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Conventional | 2 | 1.2% | 100% | $295,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 2 | 1.2% | 100% | $495,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.2% | 100% | $75,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 1.2% | 100% | $590,000 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional, Jumbo | 2 | 1.2% | 100% | $740,000 | View |
Kind Lending, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $385,000 | |
Arc Home LLC
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Conventional | 1 | 0.6% | 100% | $695,000 | |
Originpoint, LLC
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Conventional | 1 | 0.6% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.49% |
Conventional | 1 | 0.6% | 100% | $605,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 100% | $445,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.6% | 33.3% | $435,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.6% | 100% | $645,000 | |
Global Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $635,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $805,000 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $925,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 16.7% | $135,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.6% | 100% | $385,000 | |
Sammamish Mortgage Company
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Conventional | 1 | 0.6% | 100% | $405,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.6% | 100% | $335,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.6% | 100% | $205,000 | |
American Financing Corporation
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Conventional | 1 | 0.6% | 100% | $585,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $615,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 66.7% | $525,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.6% | 100% | $545,000 | View |
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A+5.0 ★Texas Ratio: 2.69% |
Conventional | 1 | 0.6% | 100% | $425,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 50% | $405,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,285,000 | View |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,385,000 | View |
New American Funding, LLC.
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Conventional | 1 | 0.6% | 100% | $455,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.6% | 100% | $355,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,645,000 | |
Gesa Credit Union
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Conventional | 1 | 0.6% | 50% | $305,000 | |
Florida Capital Bank, N.A
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VA, Jumbo | 1 | 0.6% | 100% | $875,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,655,000 | View |
Navy Federal Credit Union
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VA | 1 | 0.6% | 100% | $155,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 100% | $805,000 | |
Direct Rate Home Loans, Inc
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Conventional | 1 | 0.6% | 100% | $785,000 | |
Ark-La-Tex Financial Services LLC
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VA, Jumbo | 1 | 0.6% | 100% | $1,565,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.6% | 100% | $495,000 | View |
Horizon Credit Union
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HELOC | 0 +5 HELOCs |
0% | 100% | ||
Boeing Employees' Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sandpoint 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 Sandpoint, Idaho
Looking for mortgage lenders near me or mortgage brokers near me in Sandpoint? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sandpoint in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sandpoint, ID
Use these to narrow the list above. Each category shows how many Sandpoint, ID lenders fit and what that kind of lender is usually best for.
Who Lends in Sandpoint, ID
Independent mortgage companies closed 61.5 percent of home loans in Sandpoint, Idaho in 2025, banks 24.2 percent and credit unions 14.3 percent. Premier Mortgage Resources, LLC was the largest mortgage company, Glacier Bank the largest bank and Idaho Central Credit Union the largest credit union. Among lenders headquartered in Idaho, Idaho Central 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 Sandpoint, ID
By home loans closed in 2025, Glacier Bank was the largest mortgage lender in Sandpoint, Idaho with 12 loans, about 7.5 percent of the market. The largest lender headquartered in Idaho was Idaho Central Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Sandpoint, Idaho in 2025, led by Evergreen Moneysource Mortgage Company with 2. 8 lenders closed VA loans, led by Cmg Mortgage Inc. 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. 18 banks and 13 credit unions closed home loans in Sandpoint, Idaho in 2025, alongside 39 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 Sandpoint, 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 Sandpoint, 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 Sandpoint. 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.
