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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 Mortgage Lenders in Idaho Falls
Updated February 5, 2026
Market Overview
40
Total Lenders
1,960
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Eagle Bank and Trust Company | Strong | Sound | Exceptional | Exceptional | $3,830 | +0.063% | 247 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,928 | +0.168% | 143 | |
3 | IDAHO CENTRAL CREDIT UNION | Strong | Sound | Strong | Exceptional | $3,440 | +0.128% | 257 | |
4 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $4,319 | +0.122% | 79 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $3,522 | -0.099% | 24 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,449 | +0.169% | 258 | |
7 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Sound | $3,386 | -0.288% | 29 | |
8 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,741 | +0.158% | 134 | |
9 | Mountain America Federal Credit Union | Strong | Sound | Sound | Strong | $3,331 | -0.095% | 46 | |
10 | WESTMARK Credit Union | Strong | Sound | Sound | Strong | $3,168 | -0.183% | 43 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $5,302 | +0.319% | 23 | |
12 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | $5,923 | +0.320% | 71 | |
13 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $4,872 | +0.362% | 61 | |
14 | BEEHIVE | Strong | Sound | Acceptable | Strong | $3,447 | +0.143% | 29 | |
15 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $5,055 | +0.570% | 29 | |
16 | Gateway First Bank | Sound | Acceptable | Strong | Sound | $5,465 | +0.073% | 23 | |
17 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $5,925 | +0.428% | 72 | |
18 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Sound | $6,170 | +0.495% | 28 | |
19 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Strong | $5,340 | +0.409% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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