🛡️
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 Mortgage Company Lenders in Idaho
Updated February 6, 2026
Market Overview
47
Total Lenders
17,697
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,463 | +0.035% | 2,187 | |
2 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $4,168 | +0.272% | 362 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,484 | +0.162% | 1,905 | |
4 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,881 | +0.300% | 1,149 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,360 | +0.225% | 562 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,393 | +0.140% | 455 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,707 | -0.026% | 281 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $4,262 | +0.319% | 156 | |
9 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $4,360 | +0.275% | 102 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,599 | +0.004% | 77 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,531 | +0.326% | 603 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,924 | +0.374% | 476 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,519 | +0.296% | 403 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,438 | +0.146% | 206 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,811 | +0.468% | 199 | |
16 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,972 | +0.155% | 184 | |
17 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $4,926 | +0.230% | 123 | |
18 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Sound | $4,138 | -0.005% | 60 | |
19 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $4,961 | +0.246% | 482 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $32 | +0.453% | 340 | |
21 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,613 | +0.172% | 273 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,635 | +0.379% | 231 | |
23 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,197 | +0.283% | 165 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,110 | +0.191% | 161 | |
25 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,998 | +0.039% | 141 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,430 | +0.188% | 127 | |
27 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | $5,815 | +0.297% | 98 | |
28 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,065 | +0.472% | 80 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $4,297 | +0.378% | 74 | |
30 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $4,308 | -0.172% | 60 | |
31 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Exceptional | $5,253 | +0.240% | 1,048 | |
32 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | $5,507 | +0.400% | 512 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,425 | +0.351% | 502 | |
34 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $6,051 | +0.514% | 186 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,569 | +0.508% | 153 | |
36 | JMJ FINANCIAL GROUP | Sound | Acceptable | Sound | Strong | $4,510 | +0.465% | 94 | |
37 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,074 | +0.218% | 76 | |
38 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,066 | +0.033% | 57 | |
39 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $4,564 | +0.415% | 176 | |
40 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $4,958 | +0.362% | 172 | |
41 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $5,435 | +0.463% | 140 | |
42 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | $4,590 | +0.509% | 139 | |
43 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,211 | +0.320% | 108 | |
44 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $3,881 | +0.381% | 75 | |
45 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Exceptional | Sound | $7,274 | +0.752% | 69 | |
46 | BLUEBIRD HOME LOANS, LLC | Sound | Mediocre | Sound | Strong | $5,437 | +0.472% | 111 | |
47 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Strong | $5,268 | +0.409% | 78 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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
No credit impact
3-minute process
100% free