Top Mortgage Lenders in Fruitland, ID

Which mortgage lender in the Fruitland, ID area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Fruitland, ID area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Fruitland, ID area in terms of interest rate is Idaho Central Credit Union, with an average “Rate Difference” of -0.07%. This means that, comparing similar borrowers, Idaho Central Credit Union provided a -0.07% lower interest rate for its customers than other lenders in the area. Idaho Central Credit Union has a market share of 5.7%. On the other hand, the most popular lender in the Fruitland, ID area is Academy Mortgage Corporation Utah, with a larger market share of 28.2%. Academy Mortgage Corporation Utah is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.04% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Fruitland, ID area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Fruitland, ID is Idaho Central Credit Union. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Academy Mortgage Corporation Utah. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Fairway Independent Mortgage Corporation. The cheapest VA mortgage provider is Academy Mortgage Corporation Utah. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Fruitland, ID

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.07%(4.0)5.71%
US Bank-0.07%(4.0)7.13%
Academy Mortgage Corporation Utah-0.04%(3.5)28.21%
Umpqua Bank-0.01%(3.5)5.39%
Fairway Independent Mortgage Corporation-0.01%(3.5)8.40%
Guild Mortgage Company0.01%(3.5)5.23%
Quicken Loans0.03%(3.5)15.85%
First Colony Mortgage Corporation0.06%(3.0)19.02%
Movement Mortgage0.07%(3.0)5.07%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.13%(4.0)6.32%
Idaho Central Credit Union-0.09%(4.0)6.09%
Academy Mortgage Corporation Utah-0.03%(3.5)34.89%
Fairway Independent Mortgage Corporation-0.01%(3.5)11.01%
Umpqua Bank-0.00%(3.5)4.92%
Quicken Loans0.03%(3.5)5.15%
Guild Mortgage Company0.03%(3.5)4.92%
Movement Mortgage0.08%(3.0)5.62%
First Colony Mortgage Corporation0.09%(3.0)21.08%
Lender NameRate DifferenceRate RatingMarket Share
Academy Mortgage Corporation Utah-0.05%(3.5)14.22%
Idaho Central Credit Union-0.03%(3.5)4.90%
Guild Mortgage Company-0.02%(3.5)5.88%
Umpqua Bank-0.01%(3.5)6.37%
First Colony Mortgage Corporation-0.01%(3.5)14.71%
US Bank0.01%(3.5)8.82%
Movement Mortgage0.02%(3.5)3.92%
Quicken Loans0.02%(3.5)38.24%
Fairway Independent Mortgage Corporation0.03%(3.5)2.94%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.08%(4.0)7.03%
US Bank-0.07%(4.0)9.84%
Academy Mortgage Corporation Utah-0.04%(3.5)29.51%
Umpqua Bank-0.00%(3.5)4.92%
Fairway Independent Mortgage Corporation0.01%(3.5)7.96%
Guild Mortgage Company0.03%(3.5)4.68%
Quicken Loans0.04%(3.5)14.99%
First Colony Mortgage Corporation0.07%(3.0)16.16%
Movement Mortgage0.10%(3.0)4.92%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.14%(4.0)8.57%
Idaho Central Credit Union-0.10%(4.0)7.86%
Academy Mortgage Corporation Utah-0.04%(3.5)36.43%
Umpqua Bank0.01%(3.5)4.64%
Fairway Independent Mortgage Corporation0.01%(3.5)10.36%
Quicken Loans0.04%(3.5)4.64%
Guild Mortgage Company0.05%(3.0)4.64%
First Colony Mortgage Corporation0.12%(3.0)16.43%
Movement Mortgage0.12%(3.0)6.43%
Lender NameRate DifferenceRate RatingMarket Share
Academy Mortgage Corporation Utah-0.06%(4.0)16.33%
Idaho Central Credit Union-0.04%(3.5)5.44%
First Colony Mortgage Corporation-0.02%(3.5)15.65%
Umpqua Bank-0.02%(3.5)5.44%
Guild Mortgage Company-0.01%(3.5)4.76%
US Bank0.01%(3.5)12.24%
Fairway Independent Mortgage Corporation0.03%(3.5)3.40%
Quicken Loans0.04%(3.5)34.69%
Movement Mortgage0.04%(3.5)2.04%
Lender NameRate DifferenceRate RatingMarket Share
Fairway Independent Mortgage Corporation-0.05%(3.5)10.07%
Guild Mortgage Company-0.03%(3.5)6.47%
Idaho Central Credit Union-0.02%(3.5)1.44%
Umpqua Bank-0.02%(3.5)7.19%
Movement Mortgage-0.02%(3.5)4.32%
US Bank-0.01%(3.5)0.72%
Academy Mortgage Corporation Utah-0.01%(3.5)25.18%
Quicken Loans0.00%(3.5)18.71%
First Colony Mortgage Corporation0.04%(3.5)25.90%
Lender NameRate DifferenceRate RatingMarket Share
Fairway Independent Mortgage Corporation-0.05%(4.0)12.38%
Guild Mortgage Company-0.03%(3.5)4.76%
Umpqua Bank-0.02%(3.5)6.67%
Idaho Central Credit Union-0.02%(3.5)1.90%
Movement Mortgage-0.02%(3.5)4.76%
US Bank-0.02%(3.5)0.95%
Academy Mortgage Corporation Utah-0.01%(3.5)32.38%
Quicken Loans0.02%(3.5)5.71%
First Colony Mortgage Corporation0.05%(3.5)30.48%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.02%(3.5)11.76%
Academy Mortgage Corporation Utah-0.01%(3.5)2.94%
Umpqua Bank-0.00%(3.5)8.82%
Quicken Loans0.00%(3.5)58.82%
Fairway Independent Mortgage Corporation0.01%(3.5)2.94%
First Colony Mortgage Corporation0.01%(3.5)11.76%
Movement Mortgage0.01%(3.5)2.94%
Lender NameRate DifferenceRate RatingMarket Share
Academy Mortgage Corporation Utah0.00%(3.5)100.00%
Insufficient data available.
Lender NameRate DifferenceRate RatingMarket Share
Academy Mortgage Corporation Utah0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Academy Mortgage Corporation Utah-0.03%(3.5)25.00%
Idaho Central Credit Union-0.02%(3.5)6.25%
Guild Mortgage Company-0.01%(3.5)6.25%
Umpqua Bank-0.01%(3.5)4.69%
Quicken Loans-0.01%(3.5)15.62%
Fairway Independent Mortgage Corporation-0.01%(3.5)7.81%
US Bank-0.00%(3.5)3.12%
Movement Mortgage0.00%(3.5)7.81%
First Colony Mortgage Corporation0.05%(3.0)23.44%
Lender NameRate DifferenceRate RatingMarket Share
Academy Mortgage Corporation Utah-0.04%(3.5)30.95%
Idaho Central Credit Union-0.02%(3.5)4.76%
Movement Mortgage-0.01%(3.5)2.38%
Guild Mortgage Company-0.01%(3.5)7.14%
Fairway Independent Mortgage Corporation-0.01%(3.5)11.90%
Umpqua Bank-0.01%(3.5)2.38%
US Bank-0.01%(3.5)4.76%
Quicken Loans-0.01%(3.5)7.14%
First Colony Mortgage Corporation0.06%(3.0)28.57%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.01%(3.5)9.09%
Guild Mortgage Company-0.01%(3.5)4.55%
Academy Mortgage Corporation Utah-0.01%(3.5)13.64%
Umpqua Bank-0.00%(3.5)9.09%
Quicken Loans-0.00%(3.5)31.82%
First Colony Mortgage Corporation0.01%(3.5)13.64%
Movement Mortgage0.01%(3.5)18.18%

* Data is compiled for the Fruitland, ID commuting zone area, which comprises of counties of Payette County, ID, Washington County, ID, and Malheur County, OR. This includes cities/towns/communities of Fruitland, ID as well as Payette, ID, Weiser, ID, Ontario, OR, New Plymouth, ID, Vale, OR, Nyssa, OR, Cambridge, ID, Annex, OR, and Adrian, OR. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

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