Mortgage Lenders and Brokers in Spirit Lake, 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
Spirit Lake, Idaho mortgage lenders include First Interstate BankFirst Interstate Bank31845 N 5th Ave, Spirit Lake, ID 83869A+5.0 ★Texas Ratio: 4.72%, Idaho Central Credit UnionIdaho Central Credit Union246 Idaho St, American Falls, ID 83211 1236A+5.0 ★Texas Ratio: 4.55%, Glacier BankGlacier Bank2797 S 25th E, Ammon, ID 83406A+5.0 ★Texas Ratio: 1.87%, Washington Trust BankWashington Trust Bank901 W Bannock St, Boise, ID 83702A+5.0 ★Texas Ratio: 4.63%, Freedom Northwest Credit UnionFreedom Northwest Credit Union303 Main Street, Kamiah, ID 83536A+5.0 ★Texas Ratio: 3.79%, Banner BankBanner Bank950 W Bannock St, Boise, ID 83702A+5.0 ★Texas Ratio: 2.91%, US Bank, N.A.US Bank, N.A.9 S Ash St, Blackfoot, ID 83221A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1711 S 25th E, Ammon, ID 83406A+5.0 ★Texas Ratio: 3.68%, Columbia BankColumbia Bank190 N 8th Street, Boise, ID 83702A+5.0 ★Texas Ratio: 2.28%, and Zions Bancorporation, N.A.Zions Bancorporation, N.A.2540 E Sunnyside Rd, Ammon, ID 83406A+5.0 ★Texas Ratio: 3.72%. 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 Spirit Lake, Idaho in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spirit Lake 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 Spirit Lake, Idaho
Market share is the lender's share of all home loans closed in Spirit Lake, 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 stars, 1 review 1 office in Spirit Lake 31845 N 5th Ave, Spirit Lake, ID 83869 A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +3 HELOCs |
0% | 100% | 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, VA, Jumbo, HELOC | 16 +16 HELOCs |
6.6% | 91.3% | $413,125 | View |
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2797 S 25th E, Ammon, ID 83406 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA, VA, HELOC | 10 +3 HELOCs |
4.1% | 84.6% | $353,000 | View |
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901 W Bannock St, Boise, ID 83702 A+5.0 ★Texas Ratio: 4.63% |
Conventional, FHA, HELOC | 5 +4 HELOCs |
2% | 71.4% | $241,000 | View |
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303 Main Street, Kamiah, ID 83536 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 5 | 2% | 100% | $181,000 | View |
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950 W Bannock St, Boise, ID 83702 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 3 | 1.2% | 100% | $438,333 | View |
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9 S Ash St, Blackfoot, ID 83221 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.8% | 100% | $465,000 | View |
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1711 S 25th E, Ammon, ID 83406 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 50% | $295,000 | View |
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190 N 8th Street, Boise, ID 83702 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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2540 E Sunnyside Rd, Ammon, ID 83406 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Potlatch No 1 Financial Credit U
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Conventional, HELOC | 4 +10 HELOCs |
1.6% | 80% | $145,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 3 | 1.2% | 100% | $338,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 24 | 9.8% | 96.2% | $488,750 | |
Rocket Mortgage
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Conventional, FHA, VA | 23 | 9.4% | 79.3% | $242,391 | |
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A+5.0 ★Texas Ratio: 0.89% |
Conventional, FHA, VA, Jumbo | 12 | 4.9% | 100% | $444,166 | View |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
3.3% | 88.9% | $510,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 8 +1 HELOCs |
3.3% | 88.9% | $315,000 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 8 | 3.3% | 100% | $390,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2.9% | 87.5% | $249,285 | |
Guild Mortgage Company
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Conventional, VA | 7 | 2.9% | 100% | $416,428 | |
Cmg Mortgage Inc
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Conventional, VA, Jumbo | 7 | 2.9% | 100% | $645,000 | |
Spokane Teachers Credit Union
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Conventional, HELOC | 6 +14 HELOCs |
2.5% | 66.7% | $336,666 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo | 5 | 2% | 100% | $647,000 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional, FHA | 5 | 2% | 83.3% | $369,000 | View |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 2% | 62.5% | $145,000 | |
Gesa Credit Union
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Conventional, HELOC | 4 +1 HELOCs |
1.6% | 57.1% | $595,000 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 4 | 1.6% | 100% | $327,500 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 4 | 1.6% | 100% | $455,000 | View |
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A+5.0 ★Texas Ratio: 2.22% |
Conventional, HELOC | 3 +14 HELOCs |
1.2% | 100% | $561,666 | View |
The Loan Store, Inc
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Conventional | 3 | 1.2% | 100% | $385,000 | |
Summit Funding.Inc
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Conventional, FHA | 3 | 1.2% | 100% | $331,666 | |
Fairway Independent Mort Corp
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Conventional, VA, Jumbo | 3 | 1.2% | 100% | $585,000 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 3 | 1.2% | 100% | $505,000 | |
Boeing Employees' Credit Union
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Conventional, Jumbo, HELOC | 2 +3 HELOCs |
0.8% | 66.7% | $1,245,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 2 +2 HELOCs |
0.8% | 100% | $205,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.8% | 75% | $440,000 | |
Lakeview Loan Servicing, LLC
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VA | 2 | 0.8% | 40% | $440,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.8% | 100% | $470,000 | |
Global Federal Credit Union
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Conventional, VA, Jumbo | 2 | 0.8% | 100% | $770,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, VA | 2 | 0.8% | 100% | $500,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 0.8% | 100% | $430,000 | |
21St Mortgage
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Conventional | 2 | 0.8% | 50% | $245,000 | |
Wsecu
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Conventional | 2 | 0.8% | 66.7% | $465,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $115,000 | |
Originpoint, LLC
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VA | 1 | 0.4% | 100% | $655,000 | |
American Financial Resources LLC
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FHA | 1 | 0.4% | 100% | $265,000 | |
Goodleap, LLC
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Conventional | 1 | 0.4% | 50% | $185,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.4% | 50% | $975,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.4% | 100% | $385,000 | |
Kind Lending, LLC
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FHA | 1 | 0.4% | 100% | $335,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 100% | $75,000 | |
5Th Sreet Capital Inc.
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Conventional | 1 | 0.4% | 100% | $605,000 | |
Oaktree Funding Corp
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Conventional, Jumbo | 1 | 0.4% | 100% | $905,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.4% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.4% | 100% | $655,000 | View |
Bay Equity LLC
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VA | 1 | 0.4% | 100% | $605,000 | |
Nfm, Inc
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FHA | 1 | 0.4% | 100% | $375,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Gardner Financial Services
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Conventional | 1 | 0.4% | 100% | $465,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $275,000 | |
New American Funding, LLC.
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FHA | 1 | 0.4% | 100% | $245,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $405,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.4% | 66.7% | $145,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.4% | 100% | $735,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.4% | 100% | $345,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Horizon Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spirit Lake 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 Spirit Lake, Idaho
Looking for mortgage lenders near me or mortgage brokers near me in Spirit Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spirit Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spirit Lake, ID
Use these to narrow the list above. Each category shows how many Spirit Lake, ID lenders fit and what that kind of lender is usually best for.
Who Lends in Spirit Lake, ID
Independent mortgage companies closed 62.3 percent of home loans in Spirit Lake, Idaho in 2025, banks 18.9 percent and credit unions 18.9 percent. Premier Mortgage Resources, LLC was the largest mortgage company, First Interstate Bank the largest bank and Idaho Central Credit Union the largest credit union. Among lenders headquartered in Idaho, Idaho Central Credit Union led with 16 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 Spirit Lake, ID
By home loans closed in 2025, First Interstate Bank was the largest mortgage lender in Spirit Lake, Idaho with 0 loans, about 0 percent of the market. The largest lender headquartered in Idaho was Idaho Central Credit Union with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Spirit Lake, Idaho in 2025, led by Glacier Bank with 3. 25 lenders closed VA loans, led by United Wholesale 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. 16 banks and 14 credit unions closed home loans in Spirit Lake, Idaho in 2025, alongside 43 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 Spirit Lake, 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 Spirit Lake, 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 Spirit Lake. 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.
