Safe Rate Rankings

Best Mortgage Lenders in Idaho Falls

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders40

Total Loans1,960

Median Rate Spread0.19%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Eagle Bank and Trust CompanyBank	Strong	Sound	Exceptional	Exceptional	$3,830Fees	0.063%Above	247
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,928Fees	0.168%Above	143
3	IDAHO CENTRAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$3,440Fees	0.128%Above	257
4	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$4,319Fees	0.122%Above	79
5	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$3,522Fees	0.099%Below	24
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,449Fees	0.169%Above	258
7	Zions Bancorporation, N.A.Bank	Strong	Strong	Sound	Sound	$3,386Fees	0.288%Below	29
8	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,741Fees	0.158%Above	134
9	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	$3,331Fees	0.095%Below	46
10	WESTMARK Credit UnionCredit Union	Strong	Sound	Sound	Strong	$3,168Fees	0.183%Below	43
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$5,302Fees	0.319%Above	23
12	BELEM SERVICING LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,923Fees	0.320%Above	71
13	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,872Fees	0.362%Above	61
14	BEEHIVECredit Union	Strong	Sound	Acceptable	Strong	$3,447Fees	0.143%Above	29
15	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$5,055Fees	0.570%Above	29
16	Gateway First BankBank	Sound	Acceptable	Strong	Sound	$5,465Fees	0.073%Above	23
17	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,925Fees	0.428%Above	72
18	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$6,170Fees	0.495%Above	28
19	VERITAS FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$5,340Fees	0.409%Above	61

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.