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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 Jumbo 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 | IDAHO CENTRAL CREDIT UNION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,451 | +0.135% | 3,043 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,450 | +0.049% | 406 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,250 | +0.030% | 112 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,393 | +0.140% | 455 | |
5 | Boeing Employees Credit Union | Exceptional | Strong | Exceptional | Strong | Strong | $2,047 | -0.032% | 86 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,463 | +0.035% | 2,187 | |
7 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,484 | +0.162% | 1,905 | |
8 | Zions Bancorporation, N.A. | Exceptional | Strong | Exceptional | Sound | Strong | $2,724 | -0.154% | 322 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,531 | +0.326% | 603 | |
10 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,519 | +0.296% | 403 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,707 | -0.026% | 281 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,864 | +0.175% | 186 | |
13 | KeyBank National Association | Strong | Strong | Exceptional | Sound | Sound | $2,078 | +0.036% | 75 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,881 | +0.300% | 1,149 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $4,360 | +0.225% | 562 | |
16 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,961 | +0.246% | 482 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,924 | +0.374% | 476 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.379% | 231 | |
19 | Umpqua Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,913 | +0.264% | 86 | |
20 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,197 | +0.283% | 165 | |
21 | Potlatch No. 1 Financial Credit Union | Strong | Sound | — | Sound | Strong | $2,818 | -0.015% | 109 | |
22 | WESTMARK Credit Union | Strong | Sound | — | Sound | Strong | $4,008 | -0.196% | 104 | |
23 | Washington Trust Bank | Strong | Acceptable | Strong | Strong | Strong | $1,159 | +0.144% | 62 | |
24 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,507 | +0.400% | 512 | |
25 | Glacier Bank | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,517 | +0.074% | 476 | |
26 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Sound | Strong | $4,454 | +0.253% | 211 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $5,425 | +0.351% | 502 | |
28 | Willamette Valley Bank | Sound | Mediocre | Strong | Strong | Strong | $5,848 | +0.264% | 343 | |
29 | WASHINGTON FEDERAL BANK | Sound | Mediocre | Exceptional | Sound | Sound | $3,912 | +0.428% | 56 | |
30 | BLUEBIRD HOME LOANS, LLC | Sound | Mediocre | — | Sound | Strong | $5,437 | +0.472% | 111 |
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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