Top 3 Mortgage Lenders in Wallace

Mountain West Bank stands as the premier local banking institution serving the Silver Valley region including Wallace, with their nearest branch located just 9 miles away in Kellogg. As a community-focused bank with deep roots in North Idaho, they offer personalized mortgage services with local underwriting decisions. Their experienced loan officers specialize in mountain and rural property financing, understanding the unique aspects of North Idaho real estate. With consistently high customer satisfaction ratings and competitive rates, they provide the advantage of local decision-making combined with comprehensive mortgage products.

Numerica Credit Union, while headquartered in Spokane Valley, actively serves the entire North Idaho region including Wallace, which is approximately 45 minutes away. As one of the highest-rated financial institutions in the inland Northwest, Numerica offers exceptional mortgage rates for members and provides specialized guidance for rural property purchases common in the Wallace area. Their mortgage team excels at navigating unique property situations including historic homes and mountain properties, with many customers praising their responsive service and competitive closing costs.

Sterling Mortgage, based in Coeur d'Alene, has built an outstanding reputation throughout North Idaho including service to Wallace residents. As an independent mortgage broker, they leverage relationships with multiple lenders to secure competitive rates and terms. Their expertise in Idaho's unique property types - from historic Wallace homes to rural mountain properties - makes them particularly valuable for local buyers. Customers consistently praise their transparent communication, efficient processing, and ability to handle complex property situations that are common in the Silver Valley region.