Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	IDAHO CENTRAL CREDIT UNIONCredit Union	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,659Fees	0.165%Above	243
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,129Fees	0.077%Below	112
3	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,776Fees	0.285%Above	98
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,489Fees	0.232%Above	80
5	Zions Bancorporation, N.A.Bank	Strong	Strong	Strong	Sound	Sound	$3,257Fees	0.442%Below	17
6	Glacier BankBank	Strong	Acceptable	Exceptional	Sound	Strong	$3,581Fees	0.062%Above	80
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,834Fees	0.655%Above	28
8	Mountain America Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Sound	$2,816Fees	0.438%Below	20
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,779Fees	0.385%Above	16
10	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$6,662Fees	0.226%Above	52
11	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,332Fees	0.529%Above	48
12	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,072Fees	0.292%Above	41
13	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,920Fees	0.283%Above	15
14	WESTMARK Credit UnionCredit Union	Strong	Sound	Sound	Sound	Sound	$4,733Fees	0.111%Below	10
15	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,454Fees	0.007%Above	10
16	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,068Fees	0.495%Above	28
17	D. L. EVANS BANKBank	Sound	Acceptable	Sound	Sound	Sound	$4,055Fees	0.237%Above	10

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)

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.