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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 VA Mortgage Company Lenders in Idaho
Updated February 6, 2026
Market Overview
43
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 | Strong | Exceptional | Exceptional | Exceptional | $3,463 | +0.035% | 2,187 | |
2 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | $5,998 | +0.039% | 141 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,168 | +0.272% | 362 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,393 | +0.140% | 455 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,707 | -0.026% | 281 | |
6 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,197 | +0.283% | 165 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $4,262 | +0.319% | 156 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,531 | +0.326% | 603 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,519 | +0.296% | 403 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,438 | +0.146% | 206 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,484 | +0.162% | 1,905 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,360 | +0.225% | 562 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,972 | +0.155% | 184 | |
14 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,110 | +0.191% | 161 | |
15 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,926 | +0.230% | 123 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,599 | +0.004% | 77 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,881 | +0.300% | 1,149 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,924 | +0.374% | 476 | |
19 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,811 | +0.468% | 199 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $3,211 | +0.320% | 108 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $4,074 | +0.218% | 76 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $32 | +0.453% | 340 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.379% | 231 | |
24 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $5,435 | +0.463% | 140 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,430 | +0.188% | 127 | |
26 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,360 | +0.275% | 102 | |
27 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $4,138 | -0.005% | 60 | |
28 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,253 | +0.240% | 1,048 | |
29 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,507 | +0.400% | 512 | |
30 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,961 | +0.246% | 482 | |
31 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $5,815 | +0.297% | 98 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,297 | +0.378% | 74 | |
33 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,066 | +0.033% | 57 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,425 | +0.351% | 502 | |
35 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,613 | +0.172% | 273 | |
36 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,051 | +0.514% | 186 | |
37 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,958 | +0.362% | 172 | |
38 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Sound | Strong | $4,510 | +0.465% | 94 | |
39 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $3,881 | +0.381% | 75 | |
40 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $4,564 | +0.415% | 176 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,569 | +0.508% | 153 | |
42 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,590 | +0.509% | 139 | |
43 | BLUEBIRD HOME LOANS, LLC | Sound | Mediocre | Sound | 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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