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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 Conventional Mortgage Company Lenders in Idaho Falls
Updated February 5, 2026
Market Overview
24
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 | Premia Mortgage, LLC DBA Premia Relocation Mortgage | Exceptional | Exceptional | Strong | Sound | Sound | $3,163 | -0.323% | 12 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,449 | +0.169% | 258 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,928 | +0.168% | 143 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,302 | +0.319% | 23 | |
5 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,741 | +0.158% | 134 | |
6 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,319 | +0.122% | 79 | |
7 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $5,925 | +0.428% | 72 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,865 | +0.021% | 15 | |
9 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $5,923 | +0.320% | 71 | |
10 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,872 | +0.362% | 61 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,126 | +0.286% | 16 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,243 | +0.419% | 16 | |
13 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,501 | +0.334% | 15 | |
14 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,952 | +0.222% | 15 | |
15 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,544 | +0.683% | 15 | |
16 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $6,010 | -0.166% | 12 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,574 | +0.320% | 11 | |
18 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,402 | +0.591% | 11 | |
19 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $6,170 | +0.495% | 28 | |
20 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $6,622 | +0.413% | 19 | |
21 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $5,540 | +0.325% | 17 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $6,350 | +0.545% | 16 | |
23 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Acceptable | $5,940 | +0.604% | 10 | |
24 | 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.
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Idaho Falls, IDConventional
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