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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Conventional Mortgage Lenders in Boise City

Updated February 5, 2026

Market Overview

107

Total Lenders

12,455

Total Loans

0.20%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,133	+0.037%	194
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,301	-0.644%	55
3	IDAHO CENTRAL CREDIT UNION	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,087	+0.104%	1,435
4	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$2,306	+0.013%	43
5	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,164	+0.008%	1,119
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,431	+0.118%	845
7	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$4,903	+0.194%	336
8	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$3,249	+0.167%	131
9	Zions Bancorporation, N.A.	Strong	Strong	Strong	Sound	Strong	$3,414	-0.185%	128
10	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,802	+0.119%	110
11	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,369	-0.044%	54
12	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,911	+0.278%	719
13	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,731	+0.006%	185
14	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$4,461	+0.276%	59
15	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$2,596	-0.016%	57
16	PIONEER FEDERAL CREDIT UNION	Strong	Sound	Sound	Exceptional	Strong	$3,074	+0.063%	36
17	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,488	+0.304%	430
18	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Exceptional	$5,006	+0.213%	350
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$5,019	+0.289%	324
20	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,229	+0.114%	315
21	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,871	+0.203%	179
22	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$4,530	+0.107%	173
23	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,918	+0.342%	150
24	Mountain America Federal Credit Union	Strong	Sound	Strong	Sound	Strong	$4,166	-0.106%	105
25	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,825	+0.251%	98
26	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,721	+0.159%	81
27	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,993	+0.269%	80
28	MY MOVE MORTGAGE, LLC	Strong	Sound	Strong	Strong	Sound	$4,273	+0.031%	48
29	First Federal Savings Bank of Twin Falls	Strong	Sound	Strong	Strong	Sound	$3,322	-0.161%	30
30	PREMIER MORTGAGE RESOURCES, L.L.C.	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,507	+0.194%	570
31	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	Strong	Mediocre	Exceptional	Strong	Exceptional	$6,070	+0.458%	332
32	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	Strong	$4,343	+0.225%	162
33	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,965	+0.452%	89
34	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$3,738	+0.285%	67
35	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,928	+0.019%	65
36	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,780	-0.023%	58
37	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$3,958	+0.357%	46
38	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,833	+0.123%	34
39	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,828	+0.127%	33
40	FIRST TECHNOLOGY FEDERAL CREDIT UNION	Strong	Sound	Strong	Sound	Sound	$172	+0.264%	32
41	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,162	-0.132%	29
42	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$5,493	+0.308%	306
43	Waterstone Mortgage Corporation	Strong	Mediocre	Exceptional	Strong	Strong	$4,993	+0.354%	155
44	CLM MORTGAGE, INC.	Strong	Acceptable	Strong	Sound	Strong	$5,998	+0.039%	141
45	CHURCHILL MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,226	+0.415%	109
46	CAPITAL EDUCATORS FEDERAL CREDIT UNION	Strong	Sound	Acceptable	Sound	Strong	$3,722	-0.410%	86
47	Bank of England	Strong	Acceptable	Strong	Sound	Strong	$2,590	+0.125%	70
48	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,762	+0.262%	33
49	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$2,974	-0.075%	27
50	JMJ FINANCIAL GROUP	Sound	Acceptable	Sound	Sound	Strong	$4,366	+0.472%	85

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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