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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 VA 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 | 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 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,407 | +0.478% | 163 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,298 | -0.612% | 134 | |
6 | IDAHO CENTRAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $2,451 | +0.135% | 3,043 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,393 | +0.140% | 455 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,450 | +0.049% | 406 | |
9 | Eagle Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Strong | $3,817 | +0.089% | 316 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,707 | -0.026% | 281 | |
11 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,197 | +0.283% | 165 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $4,262 | +0.319% | 156 | |
13 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,531 | +0.326% | 603 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,519 | +0.296% | 403 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,438 | +0.146% | 206 | |
16 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,864 | +0.175% | 186 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,484 | +0.162% | 1,905 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,360 | +0.225% | 562 | |
19 | Glacier Bank | Strong | Sound | Strong | Strong | Exceptional | $3,517 | +0.074% | 476 | |
20 | Mountain America Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $3,404 | -0.098% | 247 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,972 | +0.155% | 184 | |
22 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,110 | +0.191% | 161 | |
23 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,926 | +0.230% | 123 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,599 | +0.004% | 77 | |
25 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,088 | -0.153% | 63 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,881 | +0.300% | 1,149 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,924 | +0.374% | 476 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,811 | +0.468% | 199 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $3,211 | +0.320% | 108 | |
30 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,675 | +0.046% | 91 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $4,074 | +0.218% | 76 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $32 | +0.453% | 340 | |
33 | First Federal Savings Bank of Twin Falls | Strong | Sound | — | Strong | Strong | $3,540 | -0.078% | 267 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.379% | 231 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $5,435 | +0.463% | 140 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,430 | +0.188% | 127 | |
37 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,360 | +0.275% | 102 | |
38 | Bank of England | Strong | Sound | Strong | Strong | Sound | $2,352 | +0.144% | 72 | |
39 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $4,138 | -0.005% | 60 | |
40 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,253 | +0.240% | 1,048 | |
41 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,507 | +0.400% | 512 | |
42 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,961 | +0.246% | 482 | |
43 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $4,454 | +0.253% | 211 | |
44 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $5,815 | +0.297% | 98 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,297 | +0.378% | 74 | |
46 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,066 | +0.033% | 57 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,425 | +0.351% | 502 | |
48 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,613 | +0.172% | 273 | |
49 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Sound | Strong | $4,510 | +0.465% | 94 | |
50 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $3,881 | +0.381% | 75 |
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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