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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 VA 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 | Strong | Exceptional | Exceptional | Exceptional | $3,164 | +0.008% | 1,119 | |
2 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | $5,998 | +0.039% | 141 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,825 | +0.251% | 98 | |
4 | IDAHO CENTRAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $2,087 | +0.104% | 1,435 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,229 | +0.114% | 315 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,133 | +0.037% | 194 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,731 | +0.006% | 185 | |
8 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,993 | +0.269% | 80 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,301 | -0.644% | 55 | |
10 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,488 | +0.304% | 430 | |
11 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,871 | +0.203% | 179 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,530 | +0.107% | 173 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,738 | +0.285% | 67 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,431 | +0.118% | 845 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,903 | +0.194% | 336 | |
16 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,249 | +0.167% | 131 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,721 | +0.159% | 81 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,596 | -0.016% | 57 | |
19 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,664 | -0.116% | 27 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,911 | +0.278% | 719 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,019 | +0.289% | 324 | |
22 | Bank of England | Strong | Sound | Strong | Strong | Strong | $2,590 | +0.125% | 70 | |
23 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,928 | +0.019% | 65 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $3,762 | +0.262% | 33 | |
25 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Exceptional | $5,006 | +0.213% | 350 | |
26 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $6,070 | +0.458% | 332 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,918 | +0.342% | 150 | |
28 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $4,273 | +0.031% | 48 | |
29 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,507 | +0.194% | 570 | |
30 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $4,343 | +0.225% | 162 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,780 | -0.023% | 58 | |
32 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,974 | -0.075% | 27 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,493 | +0.308% | 306 | |
34 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,993 | +0.354% | 155 | |
35 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Sound | Strong | $4,366 | +0.472% | 85 | |
36 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $4,226 | +0.415% | 109 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,965 | +0.452% | 89 | |
38 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $6,185 | +0.321% | 50 | |
39 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,828 | +0.127% | 33 | |
40 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,806 | +0.335% | 38 | |
41 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | Sound | $4,856 | +0.166% | 37 | |
42 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $6,186 | +0.386% | 37 | |
43 | 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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