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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 Lenders in Idaho

Updated February 6, 2026

Market Overview

180

Total Lenders

26,170

Total Loans

0.23%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,298	-0.612%	134
2	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,450	+0.049%	406
3	IDAHO CENTRAL CREDIT UNION	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,451	+0.135%	3,043
4	Potlatch No. 1 Financial Credit Union	Exceptional	Strong	Strong	Strong	Strong	$2,818	-0.015%	109
5	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$2,078	+0.036%	75
6	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,463	+0.035%	2,187
7	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,484	+0.162%	1,905
8	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$4,360	+0.225%	562
9	Zions Bancorporation, N.A.	Strong	Strong	Strong	Sound	Strong	$2,724	-0.154%	322
10	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,864	+0.175%	186
11	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,972	+0.155%	184
12	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,250	+0.030%	112
13	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$4,360	+0.275%	102
14	Boeing Employees Credit Union	Strong	Strong	Strong	Sound	Strong	$2,047	-0.032%	86
15	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,881	+0.300%	1,149
16	Eagle Bank and Trust Company	Strong	Sound	Strong	Strong	Strong	$3,817	+0.089%	316
17	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,707	-0.026%	281
18	First Federal Savings Bank of Twin Falls	Strong	Sound	Strong	Strong	Strong	$3,540	-0.078%	267
19	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$2,599	+0.004%	77
20	PIONEER FEDERAL CREDIT UNION	Strong	Sound	Sound	Exceptional	Strong	$2,801	+0.087%	77
21	Washington Trust Bank	Strong	Strong	Sound	Sound	Strong	$1,159	+0.144%	62
22	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,531	+0.326%	603
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,924	+0.374%	476
24	Glacier Bank	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,517	+0.074%	476
25	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,393	+0.140%	455
26	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,519	+0.296%	403
27	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,168	+0.272%	362
28	Mountain America Federal Credit Union	Strong	Sound	Strong	Sound	Strong	$3,404	-0.098%	247
29	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,635	+0.379%	231
30	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$4,438	+0.146%	206
31	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,197	+0.283%	165
32	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,110	+0.191%	161
33	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$4,262	+0.319%	156
34	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Strong	$5,435	+0.463%	140
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,430	+0.188%	127
36	MY MOVE MORTGAGE, LLC	Strong	Sound	Strong	Strong	Sound	$4,138	-0.005%	60
37	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Strong	Strong	$4,961	+0.246%	482
38	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,613	+0.172%	273
39	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	Strong	$4,454	+0.253%	211
40	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,569	+0.508%	153
41	PLANET HOME LENDING, LLC	Strong	Acceptable	Strong	Strong	Strong	$4,926	+0.230%	123
42	WESTMARK Credit Union	Strong	Sound	Sound	Sound	Strong	$4,008	-0.196%	104
43	BELEM SERVICING LLC	Strong	Acceptable	Strong	Strong	Strong	$5,815	+0.297%	98
44	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,675	+0.046%	91
45	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$3,514	+0.243%	90
46	Umpqua Bank	Strong	Acceptable	Strong	Strong	Strong	$2,913	+0.264%	86
47	BEEHIVE	Strong	Sound	Sound	Sound	Strong	$3,540	-0.002%	78
48	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$4,074	+0.218%	76
49	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$4,297	+0.378%	74
50	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,066	+0.033%	57

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.

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