# Best Mortgage Lenders in Pocatello, ID

**As of:** 2026-05-22

Compare the top mortgage lenders in Pocatello, ID. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/pocatello-id/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 20
- **Total Loans:** 988
- **Median Rate Spread:** 0.1638235294117647%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FIRST COLONY MORTGAGE CORPORATION | 84 | 42 | 84 | 98 | Independent Mortgage Company |
| 2 | IDAHO CENTRAL CREDIT UNION | 78 | 51 | 78 | 243 | Credit Union |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 112 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 80 | Independent Mortgage Company |
| 5 | VAN DYK MORTGAGE CORPORATION | 63 | 27 | 67 | 48 | Independent Mortgage Company |
| 6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 28 | Independent Mortgage Company |
| 7 | Mountain America Federal Credit Union | 60 | 46 | 53 | 20 | Credit Union |
| 8 | Glacier Bank | 58 | 32 | 58 | 80 | Bank |
| 9 | Mortgage Research Center, LLC | 58 | 34 | 70 | 23 | Independent Mortgage Company |
| 10 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 41 | Independent Mortgage Company |
| 11 | PREMIER MORTGAGE RESOURCES, L.L.C. | 50 | 16 | 78 | 52 | Independent Mortgage Company |
| 12 | SUMMIT FUNDING, INC. | 49 | 13 | 81 | 28 | Independent Mortgage Company |
| 13 | Connections Credit Union | 46 | N/A | 46 | 29 | Credit Union |
| 14 | ADVANTAGE PLUS | 40 | N/A | 36 | 28 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Pocatello, ID.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.