🛡️
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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,109 | -0.408% | 14 | |
2 | IDAHO CENTRAL CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,440 | +0.128% | 257 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $3,522 | -0.099% | 24 | |
4 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $1,122 | -0.158% | 13 | |
5 | Premia Mortgage, LLC DBA Premia Relocation Mortgage | Exceptional | Exceptional | Strong | Sound | Sound | $3,163 | -0.323% | 12 | |
6 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,003 | +0.084% | 11 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,449 | +0.169% | 258 | |
8 | Eagle Bank and Trust Company | Strong | Sound | Strong | Strong | Exceptional | $3,830 | +0.063% | 247 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,928 | +0.168% | 143 | |
10 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Sound | $3,386 | -0.288% | 29 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,302 | +0.319% | 23 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,669 | -0.152% | 13 | |
13 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,741 | +0.158% | 134 | |
14 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,319 | +0.122% | 79 | |
15 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $5,925 | +0.428% | 72 | |
16 | Mountain America Federal Credit Union | Strong | Sound | Strong | Sound | Strong | $3,331 | -0.095% | 46 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,865 | +0.021% | 15 | |
18 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $5,923 | +0.320% | 71 | |
19 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,872 | +0.362% | 61 | |
20 | WESTMARK Credit Union | Strong | Sound | Sound | Sound | Strong | $3,168 | -0.183% | 43 | |
21 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $5,055 | +0.570% | 29 | |
22 | BEEHIVE | Strong | Sound | Sound | Sound | Strong | $3,447 | +0.143% | 29 | |
23 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $5,465 | +0.073% | 23 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,126 | +0.286% | 16 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,243 | +0.419% | 16 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,501 | +0.334% | 15 | |
27 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,952 | +0.222% | 15 | |
28 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,544 | +0.683% | 15 | |
29 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $6,010 | -0.166% | 12 | |
30 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,574 | +0.320% | 11 | |
31 | Glacier Bank | Strong | Acceptable | Exceptional | Sound | Sound | $3,290 | -0.083% | 16 | |
32 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,402 | +0.591% | 11 | |
33 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $6,170 | +0.495% | 28 | |
34 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $6,622 | +0.413% | 19 | |
35 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $5,540 | +0.325% | 17 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $6,350 | +0.545% | 16 | |
37 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Acceptable | $5,940 | +0.604% | 10 | |
38 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | 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 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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Idaho Falls, IDConventional
No credit impact
3-minute process
100% free