Safe Rate Rankings

Best Jumbo Mortgage Lenders in Idaho

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 Lenders180

Total Loans26,170

Median Rate Spread0.23%

Idaho Market Insights

Idaho Central Credit Union is Safe Rate's top-ranked Jumbo lender in Idaho, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Idaho, Us Bank National Association and Wells Fargo Bank National Association scores highest on Jumbo pricing while Idaho Central Credit Union and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Idaho, 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 Idaho: Rocket Mortgage (#5) and Idaho Central Credit Union (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Idaho

Need rankings for a different loan product?

FHA Loans Conventional Loans VA Loans USDA Loans

By Institution Type

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

❓ Frequently Asked Questions

How are mortgage lenders ranked in Idaho?+

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 Idaho), 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 Idaho?+

Based on 2024 HMDA data, 180 lenders originated a combined 26,170 loans in Idaho. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Idaho?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Idaho is 0.23%. 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 Idaho'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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ 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.