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Safe Rate's TrueRank Guarantee
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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,164 | +0.008% | 1,119 | |
2 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,731 | +0.006% | 185 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,738 | +0.285% | 67 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,596 | -0.016% | 57 | |
5 | IDAHO CENTRAL CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $2,087 | +0.104% | 1,435 | |
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 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $5,998 | +0.039% | 141 | |
9 | Mountain America Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $4,166 | -0.106% | 105 | |
10 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,825 | +0.251% | 98 | |
11 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,721 | +0.159% | 81 | |
12 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,993 | +0.269% | 80 | |
13 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $2,590 | +0.125% | 70 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,911 | +0.278% | 719 | |
15 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,006 | +0.213% | 350 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,019 | +0.289% | 324 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,530 | +0.107% | 173 | |
18 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,928 | +0.019% | 65 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,488 | +0.304% | 430 | |
20 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $6,070 | +0.458% | 332 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,229 | +0.114% | 315 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,871 | +0.203% | 179 | |
23 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $4,343 | +0.225% | 162 | |
24 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $4,273 | +0.031% | 48 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,958 | +0.357% | 46 | |
26 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,507 | +0.194% | 570 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,493 | +0.308% | 306 | |
28 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,993 | +0.354% | 155 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $3,249 | +0.167% | 131 | |
30 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Strong | Strong | $4,366 | +0.472% | 85 | |
31 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $7,285 | +0.728% | 67 | |
32 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,461 | +0.276% | 59 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,833 | +0.123% | 34 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,918 | +0.342% | 150 | |
35 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,226 | +0.415% | 109 | |
36 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,185 | +0.321% | 50 | |
37 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $2,981 | +0.438% | 43 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,965 | +0.452% | 89 | |
39 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,780 | -0.023% | 58 | |
40 | AXIA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,806 | +0.335% | 38 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,828 | +0.127% | 33 | |
42 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | Sound | $4,856 | +0.166% | 37 | |
43 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $6,186 | +0.386% | 37 | |
44 | BLUEBIRD HOME LOANS, LLC | Sound | Mediocre | Sound | Sound | Strong | $5,329 | +0.517% | 95 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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