Safe Rate Rankings

Best Mortgage Lenders in Boise City

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders107

Total Loans12,455

Median Rate Spread0.20%

Boise City Market Insights

Idaho Central Credit Union is Safe Rate's top-ranked lender in Boise City, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Boise City: Bank: Us Bank National Association (#3). Credit union: Idaho Central Credit Union (#1). Mortgage company: United Wholesale Mortgage (#2).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Boise City, Navy Federal Credit Union and Us Bank National Association scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Boise City, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Boise City: Rocket Mortgage (#5) and Idaho Central Credit Union (#1).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	IDAHO CENTRAL CREDIT UNION Credit UnionDirect	Strong	Sound	Strong	Exceptional	$2,087Fees	0.104%Above	1,435
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,164Fees	0.008%Above	1,119
3	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Strong	$1,133Fees	0.037%Above	194
4	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Sound	$1,301Fees	0.644%Below	55
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,431Fees	0.118%Above	845
6	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$4,903Fees	0.194%Above	336
7	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$4,488Fees	0.304%Above	430
8	KeyBank National Association BankDirect	Strong	Strong	Strong	Sound	$2,306Fees	0.013%Above	43
9	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$4,911Fees	0.278%Above	719
10	Zions Bancorporation, N.A. BankDirect	Strong	Strong	Sound	Strong	$3,414Fees	0.185%Below	128
11	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,731Fees	0.006%Above	185
12	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	$2,825Fees	0.251%Above	98
13	MY MOVE MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	$4,273Fees	0.031%Above	48
14	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$3,229Fees	0.114%Above	315
15	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	$2,596Fees	0.016%Below	57
16	PREMIER MORTGAGE RESOURCES, L.L.C. Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Exceptional	$5,507Fees	0.194%Above	570
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$5,019Fees	0.289%Above	324
18	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,871Fees	0.203%Above	179
19	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,802Fees	0.119%Above	110
20	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$4,530Fees	0.107%Above	173
21	CLM MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$5,998Fees	0.039%Above	141
22	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Sound	Strong	$3,249Fees	0.167%Above	131
23	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	$3,738Fees	0.285%Above	67
24	EVERGREEN MONEYSOURCE MORTGAGE COMPANY Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Exceptional	$6,070Fees	0.458%Above	332
25	Sunflower Bank, National Association BankDirect	Sound	Acceptable	Strong	Strong	$4,343Fees	0.225%Above	162
26	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$2,721Fees	0.159%Above	81
27	Wells Fargo Bank, National Association BankDirect	Sound	Strong	Sound	Sound	$2,369Fees	0.044%Below	54
28	FIRST TECHNOLOGY FEDERAL CREDIT UNION Credit UnionDirect	Sound	Strong	Strong	Sound	$172Fees	0.264%Above	32
29	AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	$5,493Fees	0.308%Above	306
30	Synergy One Lending, Inc. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	$5,006Fees	0.213%Above	350
31	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$2,993Fees	0.269%Above	80
32	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	—	—	107
33	Mountain America Federal Credit Union Credit UnionDirect	Sound	Sound	Sound	Strong	$4,166Fees	0.106%Below	105
34	Waterstone Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$4,993Fees	0.354%Above	155
35	BAY EQUITY LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	$4,461Fees	0.276%Above	59
36	First Federal Savings Bank of Twin Falls BankDirect	Sound	Sound	Strong	Sound	$3,322Fees	0.161%Below	30
37	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$4,918Fees	0.342%Above	150
38	Plains Commerce Bank BankWholesale	Sound	Acceptable*	Strong	Sound	$3,928Fees	0.019%Above	65
39	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$3,162Fees	0.132%Below	29
40	NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,974Fees	0.075%Below	27
41	CAPITAL EDUCATORS FEDERAL CREDIT UNION Credit UnionDirect	Sound	Sound	Acceptable	Strong	$3,722Fees	0.410%Below	86
42	Bank of England BankDirect	Sound	Acceptable	Strong	Strong	$2,590Fees	0.125%Above	70
43	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$3,958Fees	0.357%Above	46
44	RIGHT START MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	$7,285Fees	0.728%Above	67
45	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,780Fees	0.023%Below	58
46	PIONEER FEDERAL CREDIT UNION Credit UnionDirect	Sound	Sound	Sound	Strong	$3,074Fees	0.063%Above	36
47	D. L. EVANS BANK BankDirect	Sound	Acceptable	Strong	Sound	$4,376Fees	0.024%Below	32
48	CHURCHILL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$4,226Fees	0.415%Above	109
49	SUMMIT FUNDING, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	$6,185Fees	0.321%Above	50
50	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$3,833Fees	0.123%Above	34

❓ Frequently Asked Questions

How are mortgage lenders ranked in Boise City, ID?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Boise City, ID), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Boise City, ID?+

Based on 2024 HMDA data, 107 lenders originated a combined 12,455 loans in Boise City, ID. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Boise City, ID?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Boise City, ID is 0.20%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Boise City, ID's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.