Coeur d'Alene Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Coeur D'alene averaged
7.17%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
6.93% and
one month ago for the week of 2026-10-01, the
average rate was 7.27%.
Coeur D'alene's average rate one year ago was 5.86%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.07%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Coeur D'alene 30 Year Fixed Rate | 2026-11-05 | 7.17% |
| Coeur D'alene 30 Year Fixed Rate Refi | 2026-11-05 | 7.07% |
| Coeur D'alene 15 Year Fixed Rate | 2026-11-05 | 6.37% |
| Coeur D'alene 15 Year Fixed Rate Refi | 2026-11-05 | 6.57% |
| Coeur D'alene 30 Year FHA | 2026-11-05 | 6.73% |
| Coeur D'alene 30 Year FHA Refi | 2026-11-05 | 7.13% |
| Coeur D'alene 30 Year USDA | 2026-11-05 | 6.8% |
| Coeur D'alene 30 Year USDA Refi | 2026-11-05 | 6.9% |
| Coeur D'alene 30 Year VA | 2026-11-05 | 6.51% |
| Coeur D'alene 30 Year VA Refi | 2026-11-05 | 6.39% |
Coeur d'Alene Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Coeur d'Alene, ID market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Coeur d'Alene Average Closing Costs & Other Stats
Coeur d'Alene, ID's 165 lenders originated 5,882
loans during 2025. The total origination value was $2,331,950,000, with an average loan value of
$396,455.
Coeur d'Alene's average closing costs are $7,118.
The top Coeur d'Alene lender as defined by loan originations is IDAHO CENTRAL, with
256 loans originated. Their average total fees are
$6,499, which is $2,506
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Coeur d'Alene lenders (with over 10 loans originated) are
Morgan Stanley Private Bank ($4,196), Potlatch No. 1 Financial Credit Union ($5,585), EAGLE HOME MORTGAGE, LLC ($5,701), Century Mortgage Company DBA Century Lending Company ($6,152) and IDAHO CENTRAL ($6,499).
The lowest rate Coeur d'Alene lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.45%), Morgan Stanley Private Bank (5.77%), GESA (5.83%), LOANDEPOT.COM, LLC (5.88%) and Boeing Employees Credit Union (6.23%).
Coeur d'Alene, ID Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| IDAHO CENTRAL | $194,960,000 | $276,925,000 | 42.0% | 11.9% |
| Glacier Bank | $113,160,000 | $166,495,000 | 47.1% | 7.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $88,535,000 | $139,685,000 | 57.8% | 6.0% |
| LOANDEPOT.COM, LLC | $56,370,000 | $94,045,000 | 66.8% | 4.0% |
| QUICKEN LOANS, LLC | $63,565,000 | $87,355,000 | 37.4% | 3.7% |
| CMG MORTGAGE, INC. | $50,585,000 | $82,495,000 | 63.1% | 3.5% |
| Willamette Valley Bank | $108,825,000 | $78,055,000 | -28.3% | 3.3% |
| JPMorgan Chase Bank | $16,185,000 | $77,055,000 | 376.1% | 3.3% |
| GUARANTEED RATE, INC. | $37,370,000 | $66,160,000 | 77.0% | 2.8% |
| PLANET HOME LENDING, LLC | $30,535,000 | $45,610,000 | 49.4% | 2.0% |
| GUILD MORTGAGE COMPANY | $38,880,000 | $45,150,000 | 16.1% | 1.9% |
| SPOKANE TEACHERS | $31,055,000 | $44,940,000 | 44.7% | 1.9% |
| NUMERICA CREDIT UNION | $24,735,000 | $43,260,000 | 74.9% | 1.9% |
| Boeing Employees Credit Union | $48,465,000 | $42,755,000 | -11.8% | 1.8% |
| U.S. Bank | $33,095,000 | $42,555,000 | 28.6% | 1.8% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $33,130,000 | $39,005,000 | 17.7% | 1.7% |
| Wells Fargo Bank | $9,335,000 | $36,210,000 | 287.9% | 1.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $34,510,000 | $32,780,000 | -5.0% | 1.4% |
| Washington Trust Bank | $30,210,000 | $31,145,000 | 3.1% | 1.3% |
| GESA | $5,365,000 | $29,625,000 | 452.2% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $12,180,000 | $29,305,000 | 140.6% | 1.3% |
| EAGLE HOME MORTGAGE, LLC | $32,275,000 | $28,590,000 | -11.4% | 1.2% |
| GREYSTONE SERVICING COMPANY LLC | $26,355,000 | n/a | 1.1% | |
| Paramount Residential Mortgage Group, Inc. | $9,300,000 | $26,295,000 | 182.7% | 1.1% |
| Potlatch No. 1 Financial Credit Union | $17,950,000 | $22,690,000 | 26.4% | 1.0% |
| Umpqua Bank | $25,880,000 | $22,480,000 | -13.1% | 1.0% |
| Century Mortgage Company DBA Century Lending Company | $10,100,000 | $21,520,000 | 113.1% | 0.9% |
| SUMMIT FUNDING, INC. | $16,730,000 | $21,465,000 | 28.3% | 0.9% |
| Mortgage Research Center, LLC | $15,305,000 | $19,600,000 | 28.1% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $14,410,000 | $17,580,000 | 22.0% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $6,895,000 | $17,445,000 | 153.0% | 0.7% |
| Bank of America | $17,320,000 | $17,060,000 | -1.5% | 0.7% |
| NEWREZ LLC | $9,240,000 | $17,015,000 | 84.1% | 0.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $15,385,000 | $16,985,000 | 10.4% | 0.7% |
| The Loan Store, Inc. | $9,115,000 | $16,025,000 | 75.8% | 0.7% |
| Citibank | $1,205,000 | $15,710,000 | 1,203.7% | 0.7% |
| Sunflower Bank | $14,940,000 | $15,195,000 | 1.7% | 0.7% |
| NFM, INC. | $295,000 | $14,925,000 | 4,959.3% | 0.6% |
| First Interstate Bank | $14,205,000 | $14,285,000 | 0.6% | 0.6% |
| Banner Bank | $8,045,000 | $13,565,000 | 68.6% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $8,710,000 | $12,395,000 | 42.3% | 0.5% |
| Morgan Stanley Private Bank | $9,295,000 | $11,615,000 | 25.0% | 0.5% |
| CANOPY MORTGAGE, LLC | $5,890,000 | $10,010,000 | 69.9% | 0.4% |
| Charles Schwab Bank, SSB | $9,790,000 | $8,695,000 | -11.2% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $11,010,000 | $8,455,000 | -23.2% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $8,215,000 | $8,240,000 | 0.3% | 0.4% |
| BROKER SOLUTIONS, INC. | $8,675,000 | $7,945,000 | -8.4% | 0.3% |
| UBS Bank USA | $825,000 | $7,910,000 | 858.8% | 0.3% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $7,365,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $5,700,000 | $7,245,000 | 27.1% | 0.3% |
| Granite Community Bank | $7,145,000 | n/a | 0.3% | |
| LENDINGHOME FUNDING CORPORATION | $6,535,000 | n/a | 0.3% | |
| Alaska USA Federal Credit Union | $5,695,000 | $6,330,000 | 11.2% | 0.3% |
| ORIX REAL ESTATE CAPITAL, LLC | $6,105,000 | n/a | 0.3% | |
| MOUNTAIN AMERICA | $23,150,000 | $5,585,000 | -75.9% | 0.2% |
| Plains Commerce Bank | $2,665,000 | $5,505,000 | 106.6% | 0.2% |
| ENVOY MORTGAGE, LTD | $3,890,000 | $5,380,000 | 38.3% | 0.2% |
| Firefighters First Federal Credit Union | $1,030,000 | $5,345,000 | 418.9% | 0.2% |
| LENDSURE MORTGAGE CORP. | $4,550,000 | $5,265,000 | 15.7% | 0.2% |
| Citizens Bank | $5,205,000 | n/a | 0.2% | |
| Citadel Servicing Corporation | $2,130,000 | $5,100,000 | 139.4% | 0.2% |
| Great Southern Bank | $5,005,000 | n/a | 0.2% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,970,000 | $5,000,000 | 153.8% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,580,000 | $4,945,000 | 213.0% | 0.2% |
| Zions Bank | $2,010,000 | $4,785,000 | 138.1% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $2,280,000 | $4,535,000 | 98.9% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $4,605,000 | $4,455,000 | -3.3% | 0.2% |
| JMAC LENDING, INC. | $375,000 | $4,440,000 | 1,084.0% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $7,680,000 | $4,425,000 | -42.4% | 0.2% |
| Raymond James Bank | $4,395,000 | n/a | 0.2% | |
| SPRING EQ, LLC | $1,580,000 | $4,190,000 | 165.2% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $2,485,000 | $4,090,000 | 64.6% | 0.2% |
| Commerce Home Mortgage, Inc. | $1,160,000 | $4,035,000 | 247.8% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $1,375,000 | $3,990,000 | 190.2% | 0.2% |
| AMERITRUST MORTGAGE CORPORATION | $900,000 | $3,980,000 | 342.2% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $3,070,000 | $3,835,000 | 24.9% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $820,000 | $3,810,000 | 364.6% | 0.2% |
| OCMBC, INC. | $820,000 | $3,715,000 | 353.0% | 0.2% |
| Renasant Bank | $3,715,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $4,270,000 | $3,560,000 | -16.6% | 0.2% |
| GEORGIA'S OWN | $2,230,000 | $3,505,000 | 57.2% | 0.2% |
| Stifel Bank and Trust | $2,585,000 | $3,410,000 | 31.9% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,095,000 | $3,240,000 | 195.9% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,840,000 | $3,205,000 | 74.2% | 0.1% |
| AMERICAN FINANCING CORPORATION | $5,385,000 | $3,030,000 | -43.7% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,900,000 | $3,020,000 | 58.9% | 0.1% |
| RF Renovo Management Company, LLC | $2,945,000 | n/a | 0.1% | |
| TBI MORTGAGE COMPANY | $1,740,000 | $2,820,000 | 62.1% | 0.1% |
| BOKF | $2,815,000 | n/a | 0.1% | |
| QUORUM FEDERAL CREDIT UNION | $175,000 | $2,800,000 | 1,500.0% | 0.1% |
| WASHINGTON STATE EMPLOYEES Credit Union | $1,340,000 | $2,790,000 | 108.2% | 0.1% |
| Figure Lending LLC | $3,390,000 | $2,775,000 | -18.1% | 0.1% |
| OAKTREE FUNDING CORP. | $2,755,000 | $2,745,000 | -0.4% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $5,865,000 | $2,740,000 | -53.3% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $2,810,000 | $2,725,000 | -3.0% | 0.1% |
| PNC Bank | $850,000 | $2,675,000 | 214.7% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,600,000 | $2,600,000 | 62.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $2,550,000 | $2,270,000 | -11.0% | 0.1% |
| Northwest Farm Credit Services, FLCA | $485,000 | $2,260,000 | 366.0% | 0.1% |
| Wallick & Volk, Inc. | $7,005,000 | $2,205,000 | -68.5% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $5,950,000 | $2,200,000 | -63.0% | 0.1% |
| A&D Mortgage LLC | $340,000 | $2,180,000 | 541.2% | 0.1% |
| CARDINAL FINANCIAL | $1,245,000 | $2,110,000 | 69.5% | 0.1% |
| Luxury Mortgage Corp. | $2,055,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $2,050,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $280,000 | $1,825,000 | 551.8% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $435,000 | $1,800,000 | 313.8% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $1,780,000 | n/a | 0.1% | |
| HORIZON | $1,895,000 | $1,740,000 | -8.2% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $4,510,000 | $1,710,000 | -62.1% | 0.1% |
| LOANPAL, LLC | $565,000 | $1,590,000 | 181.4% | 0.1% |
| Gold Coast Bank | $1,530,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $225,000 | $1,530,000 | 580.0% | 0.1% |
| NuVision Federal Credit Union | $1,530,000 | n/a | 0.1% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,520,000 | n/a | 0.1% | |
| TEACHERS | $1,515,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $2,220,000 | $1,480,000 | -33.3% | 0.1% |
| BAY EQUITY LLC | $1,980,000 | $1,475,000 | -25.5% | 0.1% |
| City Bank | $1,455,000 | n/a | 0.1% | |
| NexBank | $3,225,000 | $1,335,000 | -58.6% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,645,000 | $1,330,000 | -19.1% | 0.1% |
| BNY Mellon | $1,325,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,290,000 | $1,325,000 | -42.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,710,000 | $1,300,000 | -24.0% | 0.1% |
| S1L, Inc. | $245,000 | $1,250,000 | 410.2% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,505,000 | $1,240,000 | -17.6% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $860,000 | $1,225,000 | 42.4% | 0.1% |
| NBKC BANK | $1,070,000 | $1,210,000 | 13.1% | 0.1% |
| Coastal Community Bank | $1,205,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $2,965,000 | $1,175,000 | -60.4% | 0.1% |
| GTE Federal Credit Union | $600,000 | $1,150,000 | 91.7% | 0.0% |
| Equity Prime Mortgage LLC | $3,165,000 | $1,145,000 | -63.8% | 0.0% |
| GOLDENWEST | $1,335,000 | $1,145,000 | -14.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,455,000 | $1,115,000 | -23.4% | 0.0% |
| BMO Harris Bank | $1,925,000 | $1,105,000 | -42.6% | 0.0% |
| USAA Federal Savings Bank | $2,565,000 | $1,105,000 | -56.9% | 0.0% |
| The Federal Savings Bank | $3,230,000 | $1,055,000 | -67.3% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $525,000 | $1,035,000 | 97.1% | 0.0% |
| TRUWEST Credit Union | $1,035,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $1,895,000 | $1,010,000 | -46.7% | 0.0% |
| GENEVA FINANCIAL, LLC | $950,000 | $1,000,000 | 5.3% | 0.0% |
| FUNDLOANS CAPITAL | $715,000 | $995,000 | 39.2% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $995,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $985,000 | n/a | 0.0% | |
| MORTGAGE CAPITAL PARTNERS, INC. | $970,000 | n/a | 0.0% | |
| SPOKANE FIREFIGHTERS CREDIT UNION | $360,000 | $970,000 | 169.4% | 0.0% |
| Axos Bank | $1,010,000 | $945,000 | -6.4% | 0.0% |
| PREMIER LENDING, INC. | $465,000 | $935,000 | 101.1% | 0.0% |
| M&T Bank | $390,000 | $900,000 | 130.8% | 0.0% |
| KeyBank | $1,690,000 | $870,000 | -48.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $1,190,000 | $860,000 | -27.7% | 0.0% |
| HomeStreet Bank | $3,720,000 | $850,000 | -77.2% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,760,000 | $825,000 | -53.1% | 0.0% |
| USAlliance Federal Credit Union | $825,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $1,065,000 | $820,000 | -23.0% | 0.0% |
| TOWER | $820,000 | n/a | 0.0% | |
| 1st Security Bank of Washington | $1,280,000 | $810,000 | -36.7% | 0.0% |
| University Bank | $805,000 | n/a | 0.0% | |
| AMERICA FIRST | $910,000 | $790,000 | -13.2% | 0.0% |
| MORTGAGEONE, INC. | $790,000 | n/a | 0.0% | |
| HomeTrust Bank | $375,000 | $785,000 | 109.3% | 0.0% |
| ZILLOW HOME LOANS, LLC | $1,355,000 | $780,000 | -42.4% | 0.0% |
| Goldman Sachs Bank USA | $1,005,000 | $755,000 | -24.9% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $750,000 | n/a | 0.0% | |
| DIRECTORS MORTGAGE, INC. | $335,000 | $735,000 | 119.4% | 0.0% |
| Flagstar Bank, FSB | $1,260,000 | $715,000 | -43.3% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $3,620,000 | $690,000 | -80.9% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $685,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $665,000 | n/a | 0.0% | |
| MORTGAGE EXPRESS, LLC | $295,000 | $630,000 | 113.6% | 0.0% |
| GoPrime Mortgage, Inc. | $625,000 | n/a | 0.0% | |
| 5TH STREET CAPITAL, INC. | $605,000 | n/a | 0.0% | |
| ARC HOME LLC | $605,000 | n/a | 0.0% | |
| HAPO COMMUNITY CREDIT UNION | $605,000 | $605,000 | 0.0% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $305,000 | $595,000 | 95.1% | 0.0% |
| Bank of Utah | $585,000 | n/a | 0.0% | |
| LANTZMAN MANAGEMENT, INC. | $990,000 | $585,000 | -40.9% | 0.0% |
| The Huntington National Bank | $1,775,000 | $575,000 | -67.6% | 0.0% |
| FIRST TECHNOLOGY | $2,155,000 | $565,000 | -73.8% | 0.0% |
| Discover Bank | $2,105,000 | $560,000 | -73.4% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $545,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $535,000 | n/a | 0.0% | |
| Southern Michigan Bank & Trust | $535,000 | n/a | 0.0% | |
| CANOPY | $280,000 | $530,000 | 89.3% | 0.0% |
| SUMMIT MORTGAGE CORPORATION | $525,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $525,000 | n/a | 0.0% | |
| RESIDENTIAL MORTGAGE, LLC | $520,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $505,000 | n/a | 0.0% | |
| Summit Mortgage Corporation | $505,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $640,000 | $500,000 | -21.9% | 0.0% |
| Carrington Mortgage Services, LLC | $1,695,000 | $495,000 | -70.8% | 0.0% |
| Princeton Mortgage Corporation | $490,000 | n/a | 0.0% | |
| Gate City Bank | $485,000 | n/a | 0.0% | |
| LPMC, LLC | $485,000 | n/a | 0.0% | |
| FIRST COMMUNITY | $475,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $975,000 | $475,000 | -51.3% | 0.0% |
| INTERCAP LENDING INC. | $475,000 | n/a | 0.0% | |
| GARDNER FINANCIAL SERVICES, LTD. | $465,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $465,000 | $465,000 | 0.0% | 0.0% |
| SeaTrust Mortgage Company | $465,000 | n/a | 0.0% | |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | $105,000 | $460,000 | 338.1% | 0.0% |
| Bethpage Federal Credit Union | $390,000 | $445,000 | 14.1% | 0.0% |
| Mechanics Bank | $445,000 | n/a | 0.0% | |
| WESTMARK Credit Union | $865,000 | $435,000 | -49.7% | 0.0% |
| Pacific Lending LLC | $365,000 | $415,000 | 13.7% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $225,000 | $410,000 | 82.2% | 0.0% |
| Network Funding, L.P. | $405,000 | n/a | 0.0% | |
| The Dart Bank | $405,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $395,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $660,000 | $385,000 | -41.7% | 0.0% |
| NP, Inc. | $375,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $375,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $365,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $345,000 | n/a | 0.0% | |
| MY MOVE MORTGAGE, LLC | $335,000 | n/a | 0.0% | |
| Northpointe Bank | $335,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $335,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $325,000 | n/a | 0.0% | |
| Truist | $325,000 | n/a | 0.0% | |
| First Federal Savings Bank | $525,000 | $315,000 | -40.0% | 0.0% |
| HighTechLending Inc | $275,000 | $315,000 | 14.5% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $315,000 | n/a | 0.0% | |
| NMSI, INC. | $305,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $795,000 | $295,000 | -62.9% | 0.0% |
| Watermark Capital, Inc. | $395,000 | $295,000 | -25.3% | 0.0% |
| Leader Bank | $285,000 | n/a | 0.0% | |
| Performance Financial, Inc. | $275,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $245,000 | $265,000 | 8.2% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $245,000 | n/a | 0.0% | |
| PRIORITY HOME LENDING, LLC | $5,035,000 | $205,000 | -95.9% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $425,000 | $195,000 | -54.1% | 0.0% |
| SIRVA MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| First Bank | $135,000 | n/a | 0.0% | |
| CHEVRON | $335,000 | $105,000 | -68.7% | 0.0% |
| Strong Home Mortgage, LLC | $245,000 | $105,000 | -57.1% | 0.0% |
| Consolidated Federal Credit Union | $75,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $55,000 | n/a | 0.0% | |
| SPIRE Credit Union | $55,000 | n/a | 0.0% | |
| BayCoast Bank | $35,000 | n/a | 0.0% |
Coeur d'Alene's top lender by overall market share is IDAHO CENTRAL, with 11.9% market share. In second place, with 7.1%, is Glacier Bank, having originated $166,495,000 in loans. In third place, with 6.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $139,685,000 in loans. In fourth place, with 4.0%, is LOANDEPOT.COM, LLC, having originated $94,045,000 in loans. In fifth place, with 3.7%, is QUICKEN LOANS, LLC, having originated $87,355,000 in loans.
Coeur d'Alene, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,830 | $1,371,120,000 | $484,495 |
| Cash Out Refi | 974 | $290,490,000 | $298,244 |
| Refi | 826 | $406,620,000 | $492,276 |
| Home Improvement | 722 | $140,850,000 | $195,083 |
| Other | 528 | $121,230,000 | $229,602 |
| NA | 2 | $1,640,000 | $820,000 |
Coeur D'alene's most frequently cited loan purpose was Home Purchase, with 2,830 originations. The 2nd most popular reason was Cash Out Refi, with 974 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,334 | $1,067,980,000 | $457,575 |
| 5-6% | 1,228 | $643,000,000 | $523,616 |
| 7-8% | 1,177 | $346,825,000 | $294,669 |
| Over 8% | 882 | $134,140,000 | $152,086 |
| 4-5% | 157 | $104,225,000 | $663,854 |
| 3-4% | 24 | $9,990,000 | $416,250 |
| 2.5-3% | 17 | $2,455,000 | $144,412 |
| <2.5% | 6 | $1,980,000 | $330,000 |
During 2025, Coeur D'alene's most frequently originated rate bucket was 6-7%, with 2,334 originations.
Loan Sizing (Coeur d'Alene, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,716 | $525,950,000 | $306,498 |
| $400k-600k | 1,507 | $726,215,000 | $481,894 |
| $100,000 or less | 978 | $54,240,000 | $55,460 |
| $100k-200k | 888 | $122,760,000 | $138,243 |
| $600k-1000k | 598 | $436,560,000 | $730,033 |
| $Over $1MM | 195 | $466,225,000 | $2,390,897 |
Coeur d'Alene's loan sizing saw the bucket of loans from $200k-400k with 1,716 originations, totaling $525,950,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,579 | $828,705,000 | $524,829 |
| Under 20% | 1,307 | $113,115,000 | $86,546 |
| 60-80% | 1,158 | $698,980,000 | $603,610 |
| 20-40% | 927 | $223,175,000 | $240,750 |
| 40-60% | 732 | $376,670,000 | $514,577 |
| Over 100% | 60 | $38,900,000 | $648,333 |
Coeur d'Alene's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,579 originations, totaling $828,705,000 in origination value.