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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,463 | +0.035% | 2,187 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $4,262 | +0.319% | 156 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,450 | +0.049% | 406 | |
4 | Zions Bancorporation, N.A. | Exceptional | Exceptional | Sound | Sound | Strong | $2,724 | -0.154% | 322 | |
5 | Eagle Bank and Trust Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,817 | +0.089% | 316 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,707 | -0.026% | 281 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,599 | +0.004% | 77 | |
8 | IDAHO CENTRAL CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $2,451 | +0.135% | 3,043 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,484 | +0.162% | 1,905 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,360 | +0.225% | 562 | |
11 | Glacier Bank | Strong | Sound | Strong | Strong | Exceptional | $3,517 | +0.074% | 476 | |
12 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $4,168 | +0.272% | 362 | |
13 | Mountain America Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $3,404 | -0.098% | 247 | |
14 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,197 | +0.283% | 165 | |
15 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,110 | +0.191% | 161 | |
16 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $5,998 | +0.039% | 141 | |
17 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,926 | +0.230% | 123 | |
18 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,308 | -0.172% | 60 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,881 | +0.300% | 1,149 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,924 | +0.374% | 476 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,438 | +0.146% | 206 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,811 | +0.468% | 199 | |
23 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,407 | +0.478% | 163 | |
24 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,675 | +0.046% | 91 | |
25 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,514 | +0.243% | 90 | |
26 | Bank of England | Strong | Sound | Exceptional | Strong | Sound | $2,352 | +0.144% | 72 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,531 | +0.326% | 603 | |
28 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,961 | +0.246% | 482 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,393 | +0.140% | 455 | |
30 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,519 | +0.296% | 403 | |
31 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,613 | +0.172% | 273 | |
32 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $4,454 | +0.253% | 211 | |
33 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,211 | +0.320% | 108 | |
34 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,360 | +0.275% | 102 | |
35 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,065 | +0.472% | 80 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,297 | +0.378% | 74 | |
37 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $4,138 | -0.005% | 60 | |
38 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,253 | +0.240% | 1,048 | |
39 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,507 | +0.400% | 512 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,425 | +0.351% | 502 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $32 | +0.453% | 340 | |
42 | First Federal Savings Bank of Twin Falls | Strong | Sound | Sound | Sound | Strong | $3,540 | -0.078% | 267 | |
43 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,051 | +0.514% | 186 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,972 | +0.155% | 184 | |
45 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,958 | +0.362% | 172 | |
46 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,435 | +0.463% | 140 | |
47 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $5,815 | +0.297% | 98 | |
48 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Strong | Strong | $4,510 | +0.465% | 94 | |
49 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,074 | +0.218% | 76 | |
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)
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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