Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,109Fees	0.408%Below	14
2	IDAHO CENTRAL CREDIT UNIONCredit Union	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,440Fees	0.128%Above	257
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$3,522Fees	0.099%Below	24
4	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,122Fees	0.158%Below	13
5	Premia Mortgage, LLC DBA Premia Relocation MortgageIndependent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Sound	$3,163Fees	0.323%Below	12
6	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,003Fees	0.084%Above	11
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,449Fees	0.169%Above	258
8	Eagle Bank and Trust CompanyBank	Strong	Sound	Strong	Strong	Exceptional	$3,830Fees	0.063%Above	247
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,928Fees	0.168%Above	143
10	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$3,386Fees	0.288%Below	29
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$5,302Fees	0.319%Above	23
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,669Fees	0.152%Below	13
13	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$4,741Fees	0.158%Above	134
14	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,319Fees	0.122%Above	79
15	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,925Fees	0.428%Above	72
16	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Strong	$3,331Fees	0.095%Below	46
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,865Fees	0.021%Above	15
18	BELEM SERVICING LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$5,923Fees	0.320%Above	71
19	Synergy One Lending, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,872Fees	0.362%Above	61
20	WESTMARK Credit UnionCredit Union	Strong	Sound	Sound	Sound	Strong	$3,168Fees	0.183%Below	43
21	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$5,055Fees	0.570%Above	29
22	BEEHIVECredit Union	Strong	Sound	Sound	Sound	Strong	$3,447Fees	0.143%Above	29
23	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$5,465Fees	0.073%Above	23
24	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,126Fees	0.286%Above	16
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,243Fees	0.419%Above	16
26	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,501Fees	0.334%Above	15
27	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,952Fees	0.222%Above	15
28	INTERCAP LENDING INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,544Fees	0.683%Above	15
29	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$6,010Fees	0.166%Below	12
30	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,574Fees	0.320%Above	11
31	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Sound	$3,290Fees	0.083%Below	16
32	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,402Fees	0.591%Above	11
33	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$6,170Fees	0.495%Above	28
34	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$6,622Fees	0.413%Above	19
35	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$5,540Fees	0.325%Above	17
36	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$6,350Fees	0.545%Above	16
37	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Acceptable	$5,940Fees	0.604%Above	10
38	VERITAS FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	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 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.