Safe Rate Rankings

Best All Lender Mortgage Lenders in Pocatello

Updated May 22, 2026

⚖️ 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 Lenders20

Total Loans988

Median Rate Spread0.16%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$4,776Fees	0.285%Above	98
2	IDAHO CENTRAL CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$2,659Fees	0.165%Above	243
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$4,129Fees	0.077%Below	112
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,489Fees	0.232%Above	80
5	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,332Fees	0.529%Above	48
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,834Fees	0.655%Above	28
7	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Sound	Sound	$2,816Fees	0.438%Below	20
8	Glacier BankBank	Sound	Acceptable	Sound	Strong	$3,581Fees	0.062%Above	80
9	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,072Fees	0.292%Above	41
10	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$6,662Fees	0.226%Above	52
11	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$5,068Fees	0.495%Above	28

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 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.