Top Mortgage Lenders in Boise City, ID

Which mortgage lender in the Boise City, 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 Boise City, ID area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and 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 Boise City, ID area in terms of interest rate is Westmark Credit Union, with an average “Rate Difference” of -0.18%. This means that, comparing similar borrowers, Westmark Credit Union provided a -0.18% lower interest rate for its customers than other lenders in the area. Westmark Credit Union has a market share of 0.3%. On the other hand, the most popular lender in the Boise City, ID area is Idaho Central Credit Union, with a larger market share of 11.6%. Idaho Central Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.17% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Boise City, 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, going by historical data, the cheapest lender for Conventional mortgages in Boise City, ID is Citywide Home Loans. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Idaho Central Credit Union. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Idaho Central Credit Union. The cheapest VA mortgage provider is Navy Federal Credit Union. 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 Boise City, ID

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Westmark Credit Union	-0.18%	(4.5)	0.26%
Idaho Central Credit Union	-0.17%	(4.5)	11.64%
Cherry Creek Mortgage	-0.13%	(4.0)	0.16%
Bank of America	-0.13%	(4.0)	0.32%
Washington Trust Bank	-0.13%	(4.0)	0.47%
First Technology Credit Union	-0.13%	(4.0)	0.36%
Citywide Home Loans	-0.13%	(4.0)	0.77%
AimLoan.com	-0.12%	(4.0)	0.14%
Navy Federal Credit Union	-0.12%	(4.0)	0.42%
Guaranteed Rate	-0.12%	(4.0)	2.10%
Amerisave Mortgage Corporation	-0.10%	(4.0)	0.33%
loanDepot	-0.10%	(4.0)	1.29%
Keller Mortgage	-0.09%	(4.0)	0.43%
FirstBank TN	-0.09%	(4.0)	0.17%
HomeBridge Financial Services	-0.09%	(4.0)	0.63%
BOK Financial	-0.08%	(4.0)	0.23%
RoundPoint Mortgage Servicing Corporation	-0.08%	(4.0)	0.13%
Zions Bank	-0.07%	(4.0)	0.15%
New American Funding	-0.07%	(4.0)	0.41%
NBKC Bank	-0.07%	(4.0)	0.31%
Lakeview Loan Servicing	-0.06%	(4.0)	0.34%
US Bank	-0.06%	(4.0)	1.95%
USAA	-0.06%	(4.0)	1.14%
Summit Funding Inc	-0.06%	(4.0)	0.55%
Provident Funding	-0.06%	(4.0)	0.12%
Bank of Idaho	-0.05%	(4.0)	0.26%
Banner Bank	-0.05%	(4.0)	0.28%
JPMorgan Chase Bank	-0.05%	(4.0)	1.37%
KeyBank	-0.05%	(3.5)	1.47%
First Federal Savings Bank of Twin Falls	-0.05%	(3.5)	0.37%
First Choice Loan Services	-0.04%	(3.5)	0.12%
Fairway Independent Mortgage Corporation	-0.04%	(3.5)	8.34%
Glacier Bank	-0.04%	(3.5)	0.49%
Flagstar Bank	-0.04%	(3.5)	2.59%
Academy Mortgage Corporation Utah	-0.03%	(3.5)	5.90%
Goldwater Bank	-0.03%	(3.5)	0.44%
Gateway First Bank	-0.03%	(3.5)	0.54%
Waterstone Mortgage Corporation	-0.03%	(3.5)	1.60%
NewRez	-0.03%	(3.5)	0.19%
TBI Mortgage Company	-0.02%	(3.5)	0.96%
Mountain America Credit Union	-0.02%	(3.5)	1.21%
First Interstate Bank	-0.02%	(3.5)	0.52%
D. L. Evans Bank	-0.01%	(3.5)	0.60%
Stearns Home Loans	-0.01%	(3.5)	0.13%
American Pacific Mortgage	-0.00%	(3.5)	1.43%
Guild Mortgage Company	0.01%	(3.5)	4.94%
Wells Fargo Bank	0.02%	(3.5)	2.05%
Caliber Home Loans	0.02%	(3.5)	1.58%
Synergy One Lending	0.02%	(3.5)	2.97%
CapEd Credit Union	0.03%	(3.5)	1.50%
Pacific Residential Mortgage	0.03%	(3.5)	0.22%
American Financing	0.03%	(3.5)	0.15%
CMG Financial	0.03%	(3.5)	0.55%
Castle & Cooke Mortgage	0.03%	(3.5)	0.49%
Sierra Pacific Mortgage	0.03%	(3.5)	0.36%
Geneva Financial Home Loans	0.04%	(3.5)	0.19%
Bank of England AR	0.04%	(3.5)	0.48%
Churchill Mortgage	0.04%	(3.5)	0.14%
Cardinal Financial Company	0.04%	(3.5)	0.13%
Axia Home Loans	0.04%	(3.5)	0.46%
PennyMac Loan Services	0.05%	(3.5)	0.78%
Washington Federal	0.05%	(3.0)	0.28%
Umpqua Bank	0.05%	(3.0)	0.32%
Finance of America Mortgage	0.05%	(3.0)	2.27%
Bay Equity Home Loans	0.06%	(3.0)	0.18%
Carrington Mortgage Services	0.06%	(3.0)	0.38%
PRMG Mortgage	0.07%	(3.0)	0.28%
OneTrust Home Loans	0.08%	(3.0)	0.41%
Evergreen Moneysource Mortgage Company	0.08%	(3.0)	2.99%
Supreme Lending	0.08%	(3.0)	0.24%
PrimeLending	0.08%	(3.0)	2.53%
Benchmark	0.08%	(3.0)	0.27%
First Savings Bank	0.08%	(3.0)	0.17%
AmCap Home Loans	0.09%	(3.0)	0.41%
Summit Mortgage Corporation	0.09%	(3.0)	0.25%
The Federal Savings Bank	0.09%	(3.0)	0.22%
Premier Mortgage Resources	0.12%	(3.0)	2.22%
HomeStreet Bank	0.14%	(3.0)	0.53%
Quicken Loans	0.15%	(3.0)	7.37%
First Colony Mortgage Corporation	0.15%	(3.0)	0.19%
CashCall Mortgage	0.16%	(2.5)	0.12%
Movement Mortgage	0.18%	(2.5)	3.22%
Willamette Valley Bank	0.19%	(2.5)	2.34%
Freedom Mortgage Corporation	0.21%	(2.5)	0.51%
Primary Residential Mortgage Inc	0.22%	(2.5)	0.68%
Mr. Cooper	0.24%	(2.5)	0.77%
NewDay USA	0.49%	(1.0)	0.24%

Lender Name	Rate Difference	Rate Rating	Market Share
Westmark Credit Union	-0.19%	(4.5)	0.43%
US Bank	-0.19%	(4.5)	1.37%
Bank of America	-0.18%	(4.5)	0.37%
JPMorgan Chase Bank	-0.17%	(4.5)	1.17%
Citywide Home Loans	-0.16%	(4.5)	1.13%
Washington Trust Bank	-0.16%	(4.5)	0.48%
Navy Federal Credit Union	-0.15%	(4.5)	0.46%
HomeBridge Financial Services	-0.15%	(4.5)	0.65%
loanDepot	-0.12%	(4.0)	0.31%
KeyBank	-0.11%	(4.0)	0.66%
Keller Mortgage	-0.11%	(4.0)	0.57%
First Technology Credit Union	-0.11%	(4.0)	0.31%
Guaranteed Rate	-0.10%	(4.0)	2.44%
Idaho Central Credit Union	-0.10%	(4.0)	11.67%
Wells Fargo Bank	-0.09%	(4.0)	2.10%
NBKC Bank	-0.08%	(4.0)	0.31%
BOK Financial	-0.07%	(4.0)	0.24%
Bank of Idaho	-0.06%	(4.0)	0.33%
Goldwater Bank	-0.06%	(4.0)	0.55%
FirstBank TN	-0.06%	(4.0)	0.12%
Provident Funding	-0.05%	(4.0)	0.08%
USAA	-0.05%	(3.5)	1.13%
Flagstar Bank	-0.05%	(3.5)	2.30%
Summit Funding Inc	-0.05%	(3.5)	0.53%
Fairway Independent Mortgage Corporation	-0.04%	(3.5)	10.52%
Waterstone Mortgage Corporation	-0.04%	(3.5)	2.53%
AimLoan.com	-0.04%	(3.5)	0.06%
Cherry Creek Mortgage	-0.03%	(3.5)	0.12%
Banner Bank	-0.03%	(3.5)	0.22%
Mountain America Credit Union	-0.03%	(3.5)	0.68%
Gateway First Bank	-0.03%	(3.5)	0.59%
TBI Mortgage Company	-0.02%	(3.5)	1.67%
PennyMac Loan Services	-0.02%	(3.5)	0.14%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	7.34%
Glacier Bank	-0.01%	(3.5)	0.57%
CapEd Credit Union	-0.01%	(3.5)	0.62%
First Federal Savings Bank of Twin Falls	-0.01%	(3.5)	0.37%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.05%
D. L. Evans Bank	-0.00%	(3.5)	0.59%
Lakeview Loan Servicing	0.00%	(3.5)	0.02%
Zions Bank	0.00%	(3.5)	0.09%
First Choice Loan Services	0.00%	(3.5)	0.08%
RoundPoint Mortgage Servicing Corporation	0.00%	(3.5)	0.01%
The Federal Savings Bank	0.00%	(3.5)	0.02%
Synergy One Lending	0.01%	(3.5)	3.49%
Stearns Home Loans	0.01%	(3.5)	0.13%
First Interstate Bank	0.01%	(3.5)	0.47%
American Pacific Mortgage	0.01%	(3.5)	1.95%
New American Funding	0.01%	(3.5)	0.24%
American Financing	0.01%	(3.5)	0.04%
CMG Financial	0.01%	(3.5)	0.73%
Mr. Cooper	0.02%	(3.5)	0.10%
Guild Mortgage Company	0.02%	(3.5)	5.55%
Cardinal Financial Company	0.02%	(3.5)	0.05%
Freedom Mortgage Corporation	0.02%	(3.5)	0.08%
Castle & Cooke Mortgage	0.03%	(3.5)	0.53%
NewDay USA	0.03%	(3.5)	0.05%
Axia Home Loans	0.03%	(3.5)	0.59%
Finance of America Mortgage	0.04%	(3.5)	2.69%
NewRez	0.04%	(3.5)	0.03%
Umpqua Bank	0.04%	(3.5)	0.33%
Caliber Home Loans	0.05%	(3.5)	1.67%
Bank of England AR	0.05%	(3.5)	0.49%
Pacific Residential Mortgage	0.05%	(3.5)	0.24%
Geneva Financial Home Loans	0.05%	(3.5)	0.16%
First Colony Mortgage Corporation	0.06%	(3.0)	0.13%
Washington Federal	0.06%	(3.0)	0.39%
Churchill Mortgage	0.06%	(3.0)	0.12%
Sierra Pacific Mortgage	0.06%	(3.0)	0.40%
CashCall Mortgage	0.07%	(3.0)	0.06%
Supreme Lending	0.07%	(3.0)	0.21%
OneTrust Home Loans	0.08%	(3.0)	0.54%
PrimeLending	0.08%	(3.0)	3.14%
Bay Equity Home Loans	0.08%	(3.0)	0.23%
Carrington Mortgage Services	0.08%	(3.0)	0.09%
PRMG Mortgage	0.09%	(3.0)	0.37%
Benchmark	0.09%	(3.0)	0.37%
Summit Mortgage Corporation	0.09%	(3.0)	0.28%
First Savings Bank	0.09%	(3.0)	0.21%
Quicken Loans	0.09%	(3.0)	2.31%
Evergreen Moneysource Mortgage Company	0.10%	(3.0)	3.76%
AmCap Home Loans	0.11%	(3.0)	0.47%
Premier Mortgage Resources	0.13%	(3.0)	2.57%
HomeStreet Bank	0.15%	(3.0)	0.81%
Movement Mortgage	0.23%	(2.5)	4.17%
Willamette Valley Bank	0.24%	(2.5)	2.91%
Primary Residential Mortgage Inc	0.24%	(2.5)	0.95%

Lender Name	Rate Difference	Rate Rating	Market Share
Idaho Central Credit Union	-0.27%	(5.0)	11.61%
Cherry Creek Mortgage	-0.20%	(4.5)	0.21%
First Technology Credit Union	-0.15%	(4.5)	0.42%
Guaranteed Rate	-0.15%	(4.0)	1.66%
AimLoan.com	-0.15%	(4.0)	0.23%
FirstBank TN	-0.11%	(4.0)	0.24%
New American Funding	-0.11%	(4.0)	0.63%
Zions Bank	-0.11%	(4.0)	0.23%
Amerisave Mortgage Corporation	-0.10%	(4.0)	0.70%
Glacier Bank	-0.10%	(4.0)	0.39%
Washington Trust Bank	-0.09%	(4.0)	0.45%
BOK Financial	-0.09%	(4.0)	0.23%
First Federal Savings Bank of Twin Falls	-0.09%	(4.0)	0.38%
loanDepot	-0.09%	(4.0)	2.57%
RoundPoint Mortgage Servicing Corporation	-0.08%	(4.0)	0.30%
USAA	-0.08%	(4.0)	1.17%
Summit Funding Inc	-0.07%	(4.0)	0.58%
First Choice Loan Services	-0.07%	(4.0)	0.17%
Banner Bank	-0.07%	(4.0)	0.37%
Academy Mortgage Corporation Utah	-0.07%	(4.0)	4.03%
Lakeview Loan Servicing	-0.07%	(4.0)	0.75%
Provident Funding	-0.06%	(4.0)	0.17%
Keller Mortgage	-0.06%	(4.0)	0.25%
Navy Federal Credit Union	-0.05%	(4.0)	0.36%
NBKC Bank	-0.05%	(4.0)	0.30%
First Interstate Bank	-0.05%	(3.5)	0.58%
Gateway First Bank	-0.04%	(3.5)	0.48%
Fairway Independent Mortgage Corporation	-0.04%	(3.5)	5.50%
TBI Mortgage Company	-0.04%	(3.5)	0.03%
American Pacific Mortgage	-0.04%	(3.5)	0.75%
Bank of America	-0.04%	(3.5)	0.25%
Flagstar Bank	-0.03%	(3.5)	2.98%
Stearns Home Loans	-0.03%	(3.5)	0.13%
Bank of Idaho	-0.03%	(3.5)	0.18%
NewRez	-0.03%	(3.5)	0.39%
D. L. Evans Bank	-0.03%	(3.5)	0.63%
KeyBank	-0.02%	(3.5)	2.53%
Sierra Pacific Mortgage	-0.02%	(3.5)	0.30%
Mountain America Credit Union	-0.02%	(3.5)	1.90%
Caliber Home Loans	-0.01%	(3.5)	1.47%
Pacific Residential Mortgage	-0.01%	(3.5)	0.19%
Guild Mortgage Company	0.00%	(3.5)	4.15%
HomeBridge Financial Services	0.00%	(3.5)	0.60%
Evergreen Moneysource Mortgage Company	0.01%	(3.5)	2.00%
Bay Equity Home Loans	0.01%	(3.5)	0.12%
Citywide Home Loans	0.01%	(3.5)	0.30%
Churchill Mortgage	0.02%	(3.5)	0.17%
US Bank	0.02%	(3.5)	2.72%
Waterstone Mortgage Corporation	0.02%	(3.5)	0.39%
Washington Federal	0.02%	(3.5)	0.14%
Movement Mortgage	0.02%	(3.5)	1.99%
Goldwater Bank	0.02%	(3.5)	0.30%
Bank of England AR	0.03%	(3.5)	0.48%
Geneva Financial Home Loans	0.03%	(3.5)	0.23%
American Financing	0.03%	(3.5)	0.29%
PRMG Mortgage	0.04%	(3.5)	0.17%
AmCap Home Loans	0.04%	(3.5)	0.33%
CapEd Credit Union	0.04%	(3.5)	2.64%
Castle & Cooke Mortgage	0.04%	(3.5)	0.44%
Cardinal Financial Company	0.05%	(3.5)	0.23%
Westmark Credit Union	0.05%	(3.0)	0.04%
PennyMac Loan Services	0.06%	(3.0)	1.63%
Synergy One Lending	0.06%	(3.0)	2.31%
Benchmark	0.06%	(3.0)	0.15%
JPMorgan Chase Bank	0.06%	(3.0)	1.62%
First Savings Bank	0.06%	(3.0)	0.12%
Carrington Mortgage Services	0.06%	(3.0)	0.75%
Umpqua Bank	0.07%	(3.0)	0.29%
Axia Home Loans	0.07%	(3.0)	0.29%
Willamette Valley Bank	0.08%	(3.0)	1.61%
OneTrust Home Loans	0.08%	(3.0)	0.23%
CMG Financial	0.08%	(3.0)	0.31%
Summit Mortgage Corporation	0.09%	(3.0)	0.22%
HomeStreet Bank	0.09%	(3.0)	0.16%
Finance of America Mortgage	0.09%	(3.0)	1.73%
PrimeLending	0.09%	(3.0)	1.73%
Supreme Lending	0.09%	(3.0)	0.28%
The Federal Savings Bank	0.10%	(3.0)	0.48%
Premier Mortgage Resources	0.11%	(3.0)	1.76%
Primary Residential Mortgage Inc	0.13%	(3.0)	0.34%
Quicken Loans	0.16%	(2.5)	13.97%
Wells Fargo Bank	0.18%	(2.5)	1.98%
CashCall Mortgage	0.20%	(2.5)	0.19%
First Colony Mortgage Corporation	0.20%	(2.5)	0.28%
Freedom Mortgage Corporation	0.22%	(2.5)	1.07%
Mr. Cooper	0.26%	(2.0)	1.63%
NewDay USA	0.55%	(1.0)	0.49%

Lender Name	Rate Difference	Rate Rating	Market Share
Citywide Home Loans	-0.19%	(4.5)	0.71%
Westmark Credit Union	-0.18%	(4.5)	0.35%
Idaho Central Credit Union	-0.17%	(4.5)	13.73%
Cherry Creek Mortgage	-0.15%	(4.5)	0.17%
Washington Trust Bank	-0.15%	(4.5)	0.52%
First Technology Credit Union	-0.14%	(4.0)	0.43%
Bank of America	-0.14%	(4.0)	0.39%
Amerisave Mortgage Corporation	-0.13%	(4.0)	0.32%
Guaranteed Rate	-0.13%	(4.0)	2.19%
AimLoan.com	-0.12%	(4.0)	0.19%
loanDepot	-0.11%	(4.0)	1.12%
Keller Mortgage	-0.11%	(4.0)	0.45%
HomeBridge Financial Services	-0.10%	(4.0)	0.55%
FirstBank TN	-0.10%	(4.0)	0.21%
RoundPoint Mortgage Servicing Corporation	-0.09%	(4.0)	0.15%
New American Funding	-0.08%	(4.0)	0.39%
Summit Funding Inc	-0.08%	(4.0)	0.50%
NBKC Bank	-0.07%	(4.0)	0.28%
Zions Bank	-0.07%	(4.0)	0.19%
US Bank	-0.07%	(4.0)	2.35%
JPMorgan Chase Bank	-0.07%	(4.0)	1.58%
USAA	-0.06%	(4.0)	0.38%
Banner Bank	-0.06%	(4.0)	0.36%
Provident Funding	-0.06%	(4.0)	0.16%
Bank of Idaho	-0.05%	(4.0)	0.27%
Goldwater Bank	-0.05%	(4.0)	0.44%
Glacier Bank	-0.05%	(3.5)	0.52%
Gateway First Bank	-0.05%	(3.5)	0.49%
Fairway Independent Mortgage Corporation	-0.05%	(3.5)	7.97%
First Federal Savings Bank of Twin Falls	-0.05%	(3.5)	0.47%
First Choice Loan Services	-0.05%	(3.5)	0.15%
KeyBank	-0.04%	(3.5)	1.76%
NewRez	-0.04%	(3.5)	0.19%
Academy Mortgage Corporation Utah	-0.04%	(3.5)	6.09%
BOK Financial	-0.04%	(3.5)	0.10%
Flagstar Bank	-0.03%	(3.5)	2.57%
Waterstone Mortgage Corporation	-0.03%	(3.5)	1.55%
American Pacific Mortgage	-0.02%	(3.5)	1.32%
First Interstate Bank	-0.02%	(3.5)	0.62%
Mountain America Credit Union	-0.02%	(3.5)	1.50%
D. L. Evans Bank	-0.01%	(3.5)	0.71%
Stearns Home Loans	-0.01%	(3.5)	0.14%
TBI Mortgage Company	-0.01%	(3.5)	1.00%
Guild Mortgage Company	0.01%	(3.5)	5.04%
Synergy One Lending	0.02%	(3.5)	3.06%
Cardinal Financial Company	0.02%	(3.5)	0.11%
CapEd Credit Union	0.03%	(3.5)	2.03%
Wells Fargo Bank	0.04%	(3.5)	2.42%
Pacific Residential Mortgage	0.04%	(3.5)	0.22%
Caliber Home Loans	0.04%	(3.5)	1.26%
Sierra Pacific Mortgage	0.04%	(3.5)	0.33%
Bank of England AR	0.04%	(3.5)	0.50%
Churchill Mortgage	0.05%	(3.5)	0.16%
Castle & Cooke Mortgage	0.05%	(3.5)	0.36%
Geneva Financial Home Loans	0.05%	(3.0)	0.16%
Navy Federal Credit Union	0.05%	(3.0)	0.17%
Washington Federal	0.06%	(3.0)	0.33%
American Financing	0.06%	(3.0)	0.12%
The Federal Savings Bank	0.06%	(3.0)	0.03%
Finance of America Mortgage	0.06%	(3.0)	2.20%
Bay Equity Home Loans	0.06%	(3.0)	0.18%
Axia Home Loans	0.06%	(3.0)	0.39%
CMG Financial	0.07%	(3.0)	0.40%
AmCap Home Loans	0.07%	(3.0)	0.34%
Umpqua Bank	0.07%	(3.0)	0.34%
Evergreen Moneysource Mortgage Company	0.08%	(3.0)	2.91%
Carrington Mortgage Services	0.08%	(3.0)	0.14%
Benchmark	0.09%	(3.0)	0.18%
Lakeview Loan Servicing	0.09%	(3.0)	0.08%
OneTrust Home Loans	0.09%	(3.0)	0.45%
PrimeLending	0.09%	(3.0)	2.77%
Supreme Lending	0.10%	(3.0)	0.28%
PRMG Mortgage	0.10%	(3.0)	0.23%
First Savings Bank	0.10%	(3.0)	0.10%
Summit Mortgage Corporation	0.11%	(3.0)	0.28%
PennyMac Loan Services	0.11%	(3.0)	0.48%
Premier Mortgage Resources	0.15%	(3.0)	2.04%
HomeStreet Bank	0.16%	(2.5)	0.57%
First Colony Mortgage Corporation	0.17%	(2.5)	0.23%
CashCall Mortgage	0.18%	(2.5)	0.14%
Willamette Valley Bank	0.18%	(2.5)	1.81%
Quicken Loans	0.19%	(2.5)	7.60%
Freedom Mortgage Corporation	0.23%	(2.5)	0.17%
Movement Mortgage	0.29%	(2.0)	2.74%
Primary Residential Mortgage Inc	0.33%	(2.0)	0.59%
Mr. Cooper	0.35%	(1.5)	0.55%

Lender Name	Rate Difference	Rate Rating	Market Share
Citywide Home Loans	-0.24%	(4.5)	1.01%
US Bank	-0.22%	(4.5)	1.65%
JPMorgan Chase Bank	-0.21%	(4.5)	1.36%
Bank of America	-0.20%	(4.5)	0.45%
Westmark Credit Union	-0.20%	(4.5)	0.58%
Washington Trust Bank	-0.18%	(4.5)	0.53%
HomeBridge Financial Services	-0.17%	(4.5)	0.66%
loanDepot	-0.15%	(4.0)	0.35%
KeyBank	-0.13%	(4.0)	0.67%
Keller Mortgage	-0.12%	(4.0)	0.58%
First Technology Credit Union	-0.12%	(4.0)	0.37%
Guaranteed Rate	-0.11%	(4.0)	2.53%
NBKC Bank	-0.10%	(4.0)	0.30%
Wells Fargo Bank	-0.10%	(4.0)	2.37%
Idaho Central Credit Union	-0.08%	(4.0)	13.56%
Goldwater Bank	-0.08%	(4.0)	0.58%
FirstBank TN	-0.07%	(4.0)	0.13%
Bank of Idaho	-0.06%	(4.0)	0.34%
Summit Funding Inc	-0.05%	(4.0)	0.47%
USAA	-0.05%	(4.0)	0.37%
Provident Funding	-0.05%	(4.0)	0.11%
Gateway First Bank	-0.05%	(3.5)	0.57%
Fairway Independent Mortgage Corporation	-0.04%	(3.5)	9.80%
Flagstar Bank	-0.04%	(3.5)	2.34%
AimLoan.com	-0.04%	(3.5)	0.09%
Banner Bank	-0.03%	(3.5)	0.27%
Waterstone Mortgage Corporation	-0.03%	(3.5)	2.42%
BOK Financial	-0.03%	(3.5)	0.11%
PennyMac Loan Services	-0.03%	(3.5)	0.12%
Mountain America Credit Union	-0.03%	(3.5)	0.82%
Cherry Creek Mortgage	-0.03%	(3.5)	0.08%
Academy Mortgage Corporation Utah	-0.02%	(3.5)	7.56%
American Pacific Mortgage	-0.01%	(3.5)	1.80%
Glacier Bank	-0.01%	(3.5)	0.59%
CapEd Credit Union	-0.01%	(3.5)	0.85%
First Federal Savings Bank of Twin Falls	-0.01%	(3.5)	0.46%
TBI Mortgage Company	-0.01%	(3.5)	1.76%
D. L. Evans Bank	-0.00%	(3.5)	0.66%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.06%
Synergy One Lending	0.00%	(3.5)	3.59%
Zions Bank	0.00%	(3.5)	0.12%
Lakeview Loan Servicing	0.00%	(3.5)	0.03%
First Choice Loan Services	0.00%	(3.5)	0.10%
The Federal Savings Bank	0.00%	(3.5)	0.01%
RoundPoint Mortgage Servicing Corporation	0.01%	(3.5)	0.01%
Guild Mortgage Company	0.01%	(3.5)	5.72%
First Interstate Bank	0.01%	(3.5)	0.54%
Freedom Mortgage Corporation	0.02%	(3.5)	0.02%
Stearns Home Loans	0.02%	(3.5)	0.12%
American Financing	0.02%	(3.5)	0.03%
Cardinal Financial Company	0.03%	(3.5)	0.05%
Mr. Cooper	0.03%	(3.5)	0.06%
New American Funding	0.03%	(3.5)	0.21%
Finance of America Mortgage	0.04%	(3.5)	2.59%
Bank of England AR	0.04%	(3.5)	0.50%
CMG Financial	0.04%	(3.5)	0.56%
Castle & Cooke Mortgage	0.05%	(3.5)	0.38%
Axia Home Loans	0.05%	(3.5)	0.52%
Caliber Home Loans	0.05%	(3.0)	1.34%
NewRez	0.05%	(3.0)	0.04%
Pacific Residential Mortgage	0.06%	(3.0)	0.26%
Umpqua Bank	0.06%	(3.0)	0.36%
Washington Federal	0.06%	(3.0)	0.45%
Sierra Pacific Mortgage	0.07%	(3.0)	0.36%
First Colony Mortgage Corporation	0.07%	(3.0)	0.13%
Churchill Mortgage	0.07%	(3.0)	0.14%
Navy Federal Credit Union	0.07%	(3.0)	0.15%
Supreme Lending	0.08%	(3.0)	0.26%
Carrington Mortgage Services	0.08%	(3.0)	0.06%
Geneva Financial Home Loans	0.08%	(3.0)	0.12%
Benchmark	0.08%	(3.0)	0.26%
PrimeLending	0.09%	(3.0)	3.41%
Bay Equity Home Loans	0.09%	(3.0)	0.21%
CashCall Mortgage	0.09%	(3.0)	0.05%
OneTrust Home Loans	0.09%	(3.0)	0.58%
AmCap Home Loans	0.09%	(3.0)	0.34%
Evergreen Moneysource Mortgage Company	0.10%	(3.0)	3.61%
Summit Mortgage Corporation	0.11%	(3.0)	0.31%
PRMG Mortgage	0.11%	(3.0)	0.35%
First Savings Bank	0.11%	(3.0)	0.12%
Quicken Loans	0.12%	(3.0)	2.60%
Premier Mortgage Resources	0.15%	(3.0)	2.37%
HomeStreet Bank	0.17%	(2.5)	0.92%
Willamette Valley Bank	0.23%	(2.5)	2.10%
Movement Mortgage	0.35%	(2.0)	3.77%
Primary Residential Mortgage Inc	0.37%	(1.5)	0.82%

Lender Name	Rate Difference	Rate Rating	Market Share
Idaho Central Credit Union	-0.28%	(5.0)	13.94%
Cherry Creek Mortgage	-0.20%	(4.5)	0.28%
Guaranteed Rate	-0.17%	(4.5)	1.76%
First Technology Credit Union	-0.16%	(4.5)	0.50%
Amerisave Mortgage Corporation	-0.14%	(4.0)	0.64%
AimLoan.com	-0.14%	(4.0)	0.31%
New American Funding	-0.13%	(4.0)	0.61%
Glacier Bank	-0.11%	(4.0)	0.42%
FirstBank TN	-0.11%	(4.0)	0.31%
Washington Trust Bank	-0.11%	(4.0)	0.51%
Zions Bank	-0.11%	(4.0)	0.29%
Summit Funding Inc	-0.10%	(4.0)	0.53%
loanDepot	-0.10%	(4.0)	2.08%
First Federal Savings Bank of Twin Falls	-0.09%	(4.0)	0.48%
RoundPoint Mortgage Servicing Corporation	-0.09%	(4.0)	0.33%
Academy Mortgage Corporation Utah	-0.08%	(4.0)	4.25%
First Choice Loan Services	-0.07%	(4.0)	0.21%
Banner Bank	-0.07%	(4.0)	0.47%
USAA	-0.07%	(4.0)	0.38%
Keller Mortgage	-0.07%	(4.0)	0.28%
Provident Funding	-0.06%	(4.0)	0.22%
Fairway Independent Mortgage Corporation	-0.05%	(4.0)	5.67%
BOK Financial	-0.05%	(3.5)	0.09%
NewRez	-0.05%	(3.5)	0.39%
First Interstate Bank	-0.05%	(3.5)	0.71%
Gateway First Bank	-0.05%	(3.5)	0.40%
American Pacific Mortgage	-0.04%	(3.5)	0.71%
NBKC Bank	-0.04%	(3.5)	0.25%
TBI Mortgage Company	-0.03%	(3.5)	0.04%
Bank of Idaho	-0.03%	(3.5)	0.18%
Bank of America	-0.03%	(3.5)	0.32%
Stearns Home Loans	-0.03%	(3.5)	0.17%
D. L. Evans Bank	-0.02%	(3.5)	0.76%
KeyBank	-0.01%	(3.5)	3.13%
Sierra Pacific Mortgage	-0.01%	(3.5)	0.29%
Flagstar Bank	-0.01%	(3.5)	2.86%
Mountain America Credit Union	-0.01%	(3.5)	2.35%
Pacific Residential Mortgage	-0.01%	(3.5)	0.17%
Guild Mortgage Company	0.01%	(3.5)	4.18%
Citywide Home Loans	0.02%	(3.5)	0.32%
Caliber Home Loans	0.02%	(3.5)	1.17%
Bay Equity Home Loans	0.02%	(3.5)	0.14%
Goldwater Bank	0.02%	(3.5)	0.27%
Evergreen Moneysource Mortgage Company	0.02%	(3.5)	2.03%
US Bank	0.02%	(3.5)	3.24%
Waterstone Mortgage Corporation	0.02%	(3.5)	0.46%
Cardinal Financial Company	0.02%	(3.5)	0.18%
Washington Federal	0.02%	(3.5)	0.17%
Churchill Mortgage	0.03%	(3.5)	0.19%
HomeBridge Financial Services	0.03%	(3.5)	0.41%
Geneva Financial Home Loans	0.03%	(3.5)	0.21%
PRMG Mortgage	0.03%	(3.5)	0.08%
Navy Federal Credit Union	0.04%	(3.5)	0.20%
Bank of England AR	0.04%	(3.5)	0.50%
AmCap Home Loans	0.04%	(3.5)	0.33%
CapEd Credit Union	0.04%	(3.5)	3.51%
Castle & Cooke Mortgage	0.05%	(3.0)	0.33%
Westmark Credit Union	0.06%	(3.0)	0.06%
Synergy One Lending	0.06%	(3.0)	2.40%
JPMorgan Chase Bank	0.06%	(3.0)	1.85%
American Financing	0.07%	(3.0)	0.23%
The Federal Savings Bank	0.07%	(3.0)	0.06%
First Savings Bank	0.08%	(3.0)	0.07%
Carrington Mortgage Services	0.08%	(3.0)	0.23%
Benchmark	0.09%	(3.0)	0.09%
Umpqua Bank	0.09%	(3.0)	0.30%
OneTrust Home Loans	0.09%	(3.0)	0.29%
Willamette Valley Bank	0.09%	(3.0)	1.44%
Summit Mortgage Corporation	0.10%	(3.0)	0.25%
PrimeLending	0.10%	(3.0)	1.97%
Movement Mortgage	0.10%	(3.0)	1.45%
Finance of America Mortgage	0.10%	(3.0)	1.70%
Lakeview Loan Servicing	0.11%	(3.0)	0.16%
Axia Home Loans	0.11%	(3.0)	0.22%
HomeStreet Bank	0.12%	(3.0)	0.13%
Supreme Lending	0.12%	(3.0)	0.30%
PennyMac Loan Services	0.14%	(3.0)	0.92%
CMG Financial	0.15%	(2.5)	0.21%
Premier Mortgage Resources	0.15%	(2.5)	1.63%
Primary Residential Mortgage Inc	0.18%	(2.5)	0.30%
Wells Fargo Bank	0.20%	(2.5)	2.48%
Quicken Loans	0.21%	(2.5)	13.87%
CashCall Mortgage	0.21%	(2.5)	0.26%
First Colony Mortgage Corporation	0.22%	(2.5)	0.35%
Freedom Mortgage Corporation	0.24%	(2.5)	0.37%
Mr. Cooper	0.38%	(1.5)	1.17%

Lender Name	Rate Difference	Rate Rating	Market Share
Idaho Central Credit Union	-0.20%	(4.5)	4.27%
HomeBridge Financial Services	-0.10%	(4.0)	0.53%
TBI Mortgage Company	-0.09%	(4.0)	0.42%
Fairway Independent Mortgage Corporation	-0.08%	(4.0)	12.87%
Bank of Idaho	-0.08%	(4.0)	0.36%
Guaranteed Rate	-0.07%	(4.0)	1.57%
Keller Mortgage	-0.07%	(4.0)	0.21%
Waterstone Mortgage Corporation	-0.06%	(4.0)	2.85%
Washington Trust Bank	-0.06%	(4.0)	0.18%
New American Funding	-0.06%	(4.0)	0.50%
Academy Mortgage Corporation Utah	-0.06%	(4.0)	6.62%
Cherry Creek Mortgage	-0.06%	(4.0)	0.21%
Flagstar Bank	-0.05%	(4.0)	2.05%
Glacier Bank	-0.05%	(3.5)	0.42%
Mountain America Credit Union	-0.04%	(3.5)	0.47%
Summit Funding Inc	-0.03%	(3.5)	0.86%
NBKC Bank	-0.03%	(3.5)	0.06%
Stearns Home Loans	-0.02%	(3.5)	0.09%
Quicken Loans	-0.02%	(3.5)	7.65%
BOK Financial	-0.02%	(3.5)	0.09%
American Financing	-0.02%	(3.5)	0.27%
Axia Home Loans	-0.02%	(3.5)	0.56%
First Interstate Bank	-0.02%	(3.5)	0.24%
Umpqua Bank	-0.02%	(3.5)	0.36%
Citywide Home Loans	-0.02%	(3.5)	1.57%
Banner Bank	-0.02%	(3.5)	0.03%
Castle & Cooke Mortgage	-0.01%	(3.5)	0.98%
Churchill Mortgage	-0.01%	(3.5)	0.12%
Supreme Lending	-0.01%	(3.5)	0.21%
NewRez	-0.01%	(3.5)	0.15%
Goldwater Bank	-0.01%	(3.5)	0.42%
D. L. Evans Bank	-0.01%	(3.5)	0.21%
FirstBank TN	-0.01%	(3.5)	0.03%
Movement Mortgage	-0.00%	(3.5)	4.24%
KeyBank	-0.00%	(3.5)	0.03%
Lakeview Loan Servicing	-0.00%	(3.5)	0.62%
Finance of America Mortgage	-0.00%	(3.5)	2.85%
US Bank	-0.00%	(3.5)	0.15%
Wells Fargo Bank	0.00%	(3.5)	0.03%
Zions Bank	0.00%	(3.5)	0.03%
OneTrust Home Loans	0.00%	(3.5)	0.24%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.42%
Pacific Residential Mortgage	0.00%	(3.5)	0.18%
Primary Residential Mortgage Inc	0.01%	(3.5)	1.54%
Summit Mortgage Corporation	0.01%	(3.5)	0.24%
CashCall Mortgage	0.01%	(3.5)	0.03%
The Federal Savings Bank	0.01%	(3.5)	0.12%
HomeStreet Bank	0.01%	(3.5)	0.15%
CMG Financial	0.01%	(3.5)	0.77%
First Colony Mortgage Corporation	0.01%	(3.5)	0.09%
Geneva Financial Home Loans	0.01%	(3.5)	0.42%
JPMorgan Chase Bank	0.01%	(3.5)	0.03%
RoundPoint Mortgage Servicing Corporation	0.01%	(3.5)	0.03%
First Federal Savings Bank of Twin Falls	0.01%	(3.5)	0.06%
Carrington Mortgage Services	0.02%	(3.5)	1.33%
Synergy One Lending	0.02%	(3.5)	3.09%
Gateway First Bank	0.02%	(3.5)	0.62%
Guild Mortgage Company	0.02%	(3.5)	5.64%
Benchmark	0.02%	(3.5)	0.21%
NewDay USA	0.02%	(3.5)	0.03%
Sierra Pacific Mortgage	0.03%	(3.5)	0.30%
PennyMac Loan Services	0.04%	(3.5)	0.71%
PRMG Mortgage	0.04%	(3.5)	0.53%
Bank of England AR	0.05%	(3.5)	0.53%
PrimeLending	0.05%	(3.0)	2.31%
Premier Mortgage Resources	0.06%	(3.0)	4.30%
loanDepot	0.07%	(3.0)	1.04%
American Pacific Mortgage	0.07%	(3.0)	1.93%
First Savings Bank	0.07%	(3.0)	0.36%
Caliber Home Loans	0.07%	(3.0)	2.20%
Evergreen Moneysource Mortgage Company	0.08%	(3.0)	4.48%
Bay Equity Home Loans	0.08%	(3.0)	0.24%
Cardinal Financial Company	0.08%	(3.0)	0.33%
Mr. Cooper	0.12%	(3.0)	1.93%
AmCap Home Loans	0.13%	(3.0)	0.92%
Freedom Mortgage Corporation	0.14%	(3.0)	1.19%
Willamette Valley Bank	0.20%	(2.5)	6.14%

Lender Name	Rate Difference	Rate Rating	Market Share
Idaho Central Credit Union	-0.22%	(4.5)	5.16%
HomeBridge Financial Services	-0.15%	(4.0)	0.52%
Bank of Idaho	-0.09%	(4.0)	0.39%
Guaranteed Rate	-0.09%	(4.0)	1.74%
Fairway Independent Mortgage Corporation	-0.09%	(4.0)	15.54%
TBI Mortgage Company	-0.09%	(4.0)	0.61%
Keller Mortgage	-0.08%	(4.0)	0.26%
New American Funding	-0.07%	(4.0)	0.30%
Waterstone Mortgage Corporation	-0.07%	(4.0)	4.04%
Flagstar Bank	-0.06%	(4.0)	1.95%
Washington Trust Bank	-0.06%	(4.0)	0.26%
Quicken Loans	-0.06%	(4.0)	1.52%
Cherry Creek Mortgage	-0.06%	(4.0)	0.30%
Glacier Bank	-0.05%	(3.5)	0.56%
Summit Funding Inc	-0.05%	(3.5)	0.78%
Academy Mortgage Corporation Utah	-0.04%	(3.5)	7.94%
Mountain America Credit Union	-0.04%	(3.5)	0.39%
NBKC Bank	-0.03%	(3.5)	0.09%
Castle & Cooke Mortgage	-0.03%	(3.5)	1.04%
BOK Financial	-0.02%	(3.5)	0.04%
Umpqua Bank	-0.02%	(3.5)	0.30%
Stearns Home Loans	-0.02%	(3.5)	0.13%
First Interstate Bank	-0.02%	(3.5)	0.26%
Axia Home Loans	-0.02%	(3.5)	0.69%
Citywide Home Loans	-0.02%	(3.5)	2.13%
Finance of America Mortgage	-0.02%	(3.5)	3.34%
Banner Bank	-0.02%	(3.5)	0.04%
Supreme Lending	-0.02%	(3.5)	0.13%
Geneva Financial Home Loans	-0.01%	(3.5)	0.35%
Goldwater Bank	-0.01%	(3.5)	0.52%
FirstBank TN	-0.01%	(3.5)	0.04%
PennyMac Loan Services	-0.01%	(3.5)	0.04%
NewRez	-0.01%	(3.5)	0.04%
The Federal Savings Bank	-0.01%	(3.5)	0.04%
US Bank	-0.01%	(3.5)	0.13%
Cardinal Financial Company	-0.01%	(3.5)	0.04%
Carrington Mortgage Services	-0.00%	(3.5)	0.09%
KeyBank	-0.00%	(3.5)	0.04%
Pacific Residential Mortgage	-0.00%	(3.5)	0.17%
Summit Mortgage Corporation	-0.00%	(3.5)	0.22%
Wells Fargo Bank	-0.00%	(3.5)	0.04%
OneTrust Home Loans	0.00%	(3.5)	0.35%
D. L. Evans Bank	0.00%	(3.5)	0.17%
loanDepot	0.01%	(3.5)	0.17%
Churchill Mortgage	0.01%	(3.5)	0.04%
Primary Residential Mortgage Inc	0.01%	(3.5)	1.91%
CashCall Mortgage	0.01%	(3.5)	0.04%
CMG Financial	0.01%	(3.5)	0.82%
Freedom Mortgage Corporation	0.01%	(3.5)	0.30%
Movement Mortgage	0.01%	(3.5)	4.95%
First Federal Savings Bank of Twin Falls	0.01%	(3.5)	0.09%
HomeStreet Bank	0.01%	(3.5)	0.13%
Mr. Cooper	0.02%	(3.5)	0.13%
Synergy One Lending	0.02%	(3.5)	3.39%
American Financing	0.02%	(3.5)	0.04%
First Colony Mortgage Corporation	0.02%	(3.5)	0.09%
Gateway First Bank	0.02%	(3.5)	0.78%
Benchmark	0.03%	(3.5)	0.26%
PRMG Mortgage	0.03%	(3.5)	0.48%
Guild Mortgage Company	0.05%	(3.5)	6.08%
Sierra Pacific Mortgage	0.05%	(3.5)	0.30%
PrimeLending	0.05%	(3.0)	2.91%
Bank of England AR	0.07%	(3.0)	0.56%
Premier Mortgage Resources	0.07%	(3.0)	4.64%
American Pacific Mortgage	0.08%	(3.0)	2.43%
Bay Equity Home Loans	0.08%	(3.0)	0.35%
First Savings Bank	0.08%	(3.0)	0.43%
Caliber Home Loans	0.10%	(3.0)	2.34%
Evergreen Moneysource Mortgage Company	0.11%	(3.0)	5.08%
AmCap Home Loans	0.15%	(3.0)	1.17%
Willamette Valley Bank	0.24%	(2.5)	7.29%

Lender Name	Rate Difference	Rate Rating	Market Share
Idaho Central Credit Union	-0.14%	(4.0)	2.34%
Academy Mortgage Corporation Utah	-0.11%	(4.0)	3.75%
Fairway Independent Mortgage Corporation	-0.07%	(4.0)	7.12%
Movement Mortgage	-0.06%	(4.0)	2.72%
Guild Mortgage Company	-0.05%	(4.0)	4.69%
New American Funding	-0.04%	(3.5)	0.94%
Mountain America Credit Union	-0.04%	(3.5)	0.66%
Bank of Idaho	-0.04%	(3.5)	0.28%
Flagstar Bank	-0.03%	(3.5)	2.25%
Sierra Pacific Mortgage	-0.03%	(3.5)	0.28%
American Financing	-0.02%	(3.5)	0.75%
Evergreen Moneysource Mortgage Company	-0.02%	(3.5)	3.19%
BOK Financial	-0.02%	(3.5)	0.19%
D. L. Evans Bank	-0.02%	(3.5)	0.28%
HomeBridge Financial Services	-0.02%	(3.5)	0.56%
Churchill Mortgage	-0.02%	(3.5)	0.28%
Goldwater Bank	-0.02%	(3.5)	0.19%
Axia Home Loans	-0.01%	(3.5)	0.28%
Guaranteed Rate	-0.01%	(3.5)	1.22%
Quicken Loans	-0.01%	(3.5)	20.90%
Gateway First Bank	-0.01%	(3.5)	0.28%
Summit Funding Inc	-0.01%	(3.5)	1.03%
Caliber Home Loans	-0.01%	(3.5)	1.87%
Umpqua Bank	-0.01%	(3.5)	0.47%
First Interstate Bank	-0.01%	(3.5)	0.19%
First Colony Mortgage Corporation	-0.01%	(3.5)	0.09%
Waterstone Mortgage Corporation	-0.01%	(3.5)	0.28%
NewRez	-0.01%	(3.5)	0.37%
Supreme Lending	-0.00%	(3.5)	0.37%
Glacier Bank	-0.00%	(3.5)	0.09%
Keller Mortgage	-0.00%	(3.5)	0.09%
Bank of England AR	-0.00%	(3.5)	0.47%
Lakeview Loan Servicing	0.00%	(3.5)	1.97%
Zions Bank	0.01%	(3.5)	0.09%
Synergy One Lending	0.01%	(3.5)	2.44%
Amerisave Mortgage Corporation	0.01%	(3.5)	1.31%
Benchmark	0.01%	(3.5)	0.09%
HomeStreet Bank	0.01%	(3.5)	0.19%
US Bank	0.01%	(3.5)	0.19%
American Pacific Mortgage	0.01%	(3.5)	0.84%
Pacific Residential Mortgage	0.01%	(3.5)	0.19%
Premier Mortgage Resources	0.01%	(3.5)	3.56%
JPMorgan Chase Bank	0.02%	(3.5)	0.09%
CMG Financial	0.02%	(3.5)	0.66%
The Federal Savings Bank	0.02%	(3.5)	0.28%
RoundPoint Mortgage Servicing Corporation	0.02%	(3.5)	0.09%
Primary Residential Mortgage Inc	0.02%	(3.5)	0.75%
Willamette Valley Bank	0.02%	(3.5)	3.66%
Carrington Mortgage Services	0.02%	(3.5)	4.03%
Summit Mortgage Corporation	0.03%	(3.5)	0.28%
AmCap Home Loans	0.03%	(3.5)	0.37%
Citywide Home Loans	0.03%	(3.5)	0.37%
NewDay USA	0.03%	(3.5)	0.09%
Castle & Cooke Mortgage	0.03%	(3.5)	0.84%
PrimeLending	0.03%	(3.5)	1.03%
First Savings Bank	0.03%	(3.5)	0.19%
PennyMac Loan Services	0.04%	(3.5)	2.16%
Geneva Financial Home Loans	0.05%	(3.5)	0.56%
PRMG Mortgage	0.05%	(3.5)	0.66%
Finance of America Mortgage	0.07%	(3.0)	1.78%
loanDepot	0.08%	(3.0)	2.91%
Cardinal Financial Company	0.09%	(3.0)	0.94%
Mr. Cooper	0.13%	(3.0)	5.81%
Freedom Mortgage Corporation	0.17%	(2.5)	3.09%

Lender Name	Rate Difference	Rate Rating	Market Share
Idaho Central Credit Union	-0.10%	(4.0)	28.35%
Wells Fargo Bank	-0.04%	(3.5)	9.96%
KeyBank	-0.04%	(3.5)	8.62%
Bank of America	0.03%	(3.5)	1.34%
TBI Mortgage Company	0.03%	(3.5)	0.77%
Guaranteed Rate	0.03%	(3.5)	2.30%
First Technology Credit Union	0.03%	(3.5)	2.11%
Keller Mortgage	0.04%	(3.5)	0.57%
HomeBridge Financial Services	0.04%	(3.5)	1.15%
Summit Funding Inc	0.04%	(3.5)	0.19%
Cardinal Financial Company	0.04%	(3.5)	0.19%
Waterstone Mortgage Corporation	0.04%	(3.5)	0.19%
Bank of Idaho	0.04%	(3.5)	0.19%
HomeStreet Bank	0.04%	(3.5)	0.19%
Stearns Home Loans	0.04%	(3.5)	0.19%
Westmark Credit Union	0.04%	(3.5)	0.38%
Bay Equity Home Loans	0.05%	(3.5)	0.19%
Benchmark	0.05%	(3.5)	0.19%
Castle & Cooke Mortgage	0.05%	(3.5)	0.19%
Axia Home Loans	0.05%	(3.5)	0.38%
Glacier Bank	0.05%	(3.5)	0.77%
Bank of England AR	0.05%	(3.5)	0.19%
Quicken Loans	0.05%	(3.5)	1.34%
Sierra Pacific Mortgage	0.05%	(3.0)	0.19%
Finance of America Mortgage	0.05%	(3.0)	0.57%
AmCap Home Loans	0.05%	(3.0)	0.38%
Mountain America Credit Union	0.05%	(3.0)	0.38%
Movement Mortgage	0.05%	(3.0)	0.77%
First Choice Loan Services	0.05%	(3.0)	0.19%
OneTrust Home Loans	0.05%	(3.0)	0.19%
US Bank	0.05%	(3.0)	8.24%
American Pacific Mortgage	0.05%	(3.0)	0.57%
D. L. Evans Bank	0.06%	(3.0)	0.77%
First Federal Savings Bank of Twin Falls	0.06%	(3.0)	0.38%
Academy Mortgage Corporation Utah	0.06%	(3.0)	0.96%
Goldwater Bank	0.06%	(3.0)	0.19%
Washington Trust Bank	0.06%	(3.0)	0.77%
CMG Financial	0.07%	(3.0)	0.19%
Flagstar Bank	0.07%	(3.0)	1.15%
Citywide Home Loans	0.07%	(3.0)	0.19%
New American Funding	0.07%	(3.0)	0.19%
Evergreen Moneysource Mortgage Company	0.08%	(3.0)	0.57%
PrimeLending	0.08%	(3.0)	1.92%
Washington Federal	0.08%	(3.0)	2.11%
Synergy One Lending	0.09%	(3.0)	2.49%
Fairway Independent Mortgage Corporation	0.09%	(3.0)	3.64%
Caliber Home Loans	0.09%	(3.0)	1.15%
Guild Mortgage Company	0.09%	(3.0)	3.26%
JPMorgan Chase Bank	0.10%	(3.0)	8.62%

Lender Name	Rate Difference	Rate Rating	Market Share
Idaho Central Credit Union	-0.10%	(4.0)	26.54%
Wells Fargo Bank	-0.06%	(4.0)	12.96%
KeyBank	-0.03%	(3.5)	7.41%
Bank of America	0.03%	(3.5)	1.85%
First Technology Credit Union	0.03%	(3.5)	1.85%
Guaranteed Rate	0.03%	(3.5)	3.09%
TBI Mortgage Company	0.03%	(3.5)	1.23%
Keller Mortgage	0.04%	(3.5)	0.93%
Summit Funding Inc	0.04%	(3.5)	0.31%
Cardinal Financial Company	0.04%	(3.5)	0.31%
Waterstone Mortgage Corporation	0.04%	(3.5)	0.31%
Axia Home Loans	0.04%	(3.5)	0.31%
HomeStreet Bank	0.05%	(3.5)	0.31%
Stearns Home Loans	0.05%	(3.5)	0.31%
Westmark Credit Union	0.05%	(3.5)	0.62%
Glacier Bank	0.05%	(3.5)	0.62%
Washington Trust Bank	0.05%	(3.5)	0.31%
Bay Equity Home Loans	0.05%	(3.5)	0.31%
Benchmark	0.05%	(3.5)	0.31%
Castle & Cooke Mortgage	0.05%	(3.5)	0.31%
Sierra Pacific Mortgage	0.05%	(3.0)	0.31%
AmCap Home Loans	0.05%	(3.0)	0.62%
US Bank	0.05%	(3.0)	4.94%
Finance of America Mortgage	0.05%	(3.0)	0.62%
Movement Mortgage	0.05%	(3.0)	1.23%
First Choice Loan Services	0.05%	(3.0)	0.31%
Quicken Loans	0.05%	(3.0)	1.23%
OneTrust Home Loans	0.06%	(3.0)	0.31%
Mountain America Credit Union	0.06%	(3.0)	0.31%
American Pacific Mortgage	0.06%	(3.0)	0.93%
Flagstar Bank	0.06%	(3.0)	0.93%
First Federal Savings Bank of Twin Falls	0.06%	(3.0)	0.31%
D. L. Evans Bank	0.06%	(3.0)	0.93%
Academy Mortgage Corporation Utah	0.06%	(3.0)	1.23%
CMG Financial	0.07%	(3.0)	0.31%
Citywide Home Loans	0.07%	(3.0)	0.31%
New American Funding	0.08%	(3.0)	0.31%
Evergreen Moneysource Mortgage Company	0.08%	(3.0)	0.93%
PrimeLending	0.09%	(3.0)	2.16%
JPMorgan Chase Bank	0.09%	(3.0)	6.79%
Washington Federal	0.09%	(3.0)	2.78%
Synergy One Lending	0.09%	(3.0)	3.40%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	4.63%
Caliber Home Loans	0.10%	(3.0)	0.93%
Guild Mortgage Company	0.10%	(3.0)	3.09%

Lender Name	Rate Difference	Rate Rating	Market Share
Idaho Central Credit Union	-0.10%	(4.0)	31.31%
KeyBank	-0.06%	(4.0)	10.61%
Wells Fargo Bank	0.03%	(3.5)	5.05%
First Technology Credit Union	0.04%	(3.5)	2.53%
HomeBridge Financial Services	0.04%	(3.5)	3.03%
Bank of America	0.04%	(3.5)	0.51%
Bank of Idaho	0.04%	(3.5)	0.51%
Quicken Loans	0.04%	(3.5)	1.52%
Academy Mortgage Corporation Utah	0.04%	(3.5)	0.51%
D. L. Evans Bank	0.04%	(3.5)	0.51%
Bank of England AR	0.05%	(3.5)	0.51%
Finance of America Mortgage	0.05%	(3.5)	0.51%
Mountain America Credit Union	0.05%	(3.5)	0.51%
Axia Home Loans	0.05%	(3.5)	0.51%
Guaranteed Rate	0.05%	(3.5)	1.01%
Glacier Bank	0.05%	(3.5)	1.01%
Washington Federal	0.05%	(3.5)	1.01%
First Federal Savings Bank of Twin Falls	0.05%	(3.5)	0.51%
US Bank	0.05%	(3.0)	13.64%
Fairway Independent Mortgage Corporation	0.05%	(3.0)	2.02%
Goldwater Bank	0.06%	(3.0)	0.51%
PrimeLending	0.06%	(3.0)	1.52%
Synergy One Lending	0.06%	(3.0)	1.01%
Washington Trust Bank	0.07%	(3.0)	1.52%
Flagstar Bank	0.07%	(3.0)	1.52%
Guild Mortgage Company	0.08%	(3.0)	3.54%
Caliber Home Loans	0.08%	(3.0)	1.52%
JPMorgan Chase Bank	0.12%	(3.0)	11.62%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.20%	(4.5)	2.43%
Lakeview Loan Servicing	-0.15%	(4.5)	1.67%
Idaho Central Credit Union	-0.15%	(4.0)	3.73%
loanDepot	-0.13%	(4.0)	2.79%
BOK Financial	-0.12%	(4.0)	1.24%
Flagstar Bank	-0.10%	(4.0)	3.52%
Guaranteed Rate	-0.09%	(4.0)	2.03%
TBI Mortgage Company	-0.08%	(4.0)	1.28%
USAA	-0.07%	(4.0)	7.23%
NBKC Bank	-0.07%	(4.0)	0.79%
Caliber Home Loans	-0.07%	(4.0)	2.98%
Keller Mortgage	-0.07%	(4.0)	0.52%
HomeBridge Financial Services	-0.06%	(4.0)	1.15%
CMG Financial	-0.04%	(3.5)	1.24%
Amerisave Mortgage Corporation	-0.04%	(3.5)	0.36%
Gateway First Bank	-0.04%	(3.5)	0.82%
New American Funding	-0.04%	(3.5)	0.46%
Movement Mortgage	-0.04%	(3.5)	5.49%
RoundPoint Mortgage Servicing Corporation	-0.03%	(3.5)	0.15%
Bank of Idaho	-0.03%	(3.5)	0.15%
PennyMac Loan Services	-0.03%	(3.5)	2.85%
First Federal Savings Bank of Twin Falls	-0.03%	(3.5)	0.09%
Cherry Creek Mortgage	-0.02%	(3.5)	0.06%
Wells Fargo Bank	-0.02%	(3.5)	0.58%
American Financing	-0.02%	(3.5)	0.21%
Umpqua Bank	-0.02%	(3.5)	0.21%
Summit Funding Inc	-0.02%	(3.5)	0.61%
First Interstate Bank	-0.02%	(3.5)	0.27%
Mountain America Credit Union	-0.02%	(3.5)	0.30%
Banner Bank	-0.02%	(3.5)	0.15%
US Bank	-0.01%	(3.5)	0.33%
Stearns Home Loans	-0.01%	(3.5)	0.09%
First Choice Loan Services	-0.01%	(3.5)	0.06%
D. L. Evans Bank	-0.01%	(3.5)	0.36%
FirstBank TN	-0.01%	(3.5)	0.09%
Washington Trust Bank	-0.01%	(3.5)	0.36%
KeyBank	-0.01%	(3.5)	0.03%
Pacific Residential Mortgage	-0.01%	(3.5)	0.30%
Cardinal Financial Company	-0.01%	(3.5)	0.06%
Supreme Lending	-0.01%	(3.5)	0.09%
American Pacific Mortgage	-0.01%	(3.5)	1.73%
Guild Mortgage Company	-0.01%	(3.5)	3.89%
Waterstone Mortgage Corporation	-0.00%	(3.5)	0.82%
Summit Mortgage Corporation	-0.00%	(3.5)	0.12%
JPMorgan Chase Bank	0.00%	(3.5)	0.27%
PRMG Mortgage	0.00%	(3.5)	0.39%
Churchill Mortgage	0.00%	(3.5)	0.03%
Zions Bank	0.01%	(3.5)	0.03%
Geneva Financial Home Loans	0.01%	(3.5)	0.18%
Bay Equity Home Loans	0.01%	(3.5)	0.12%
Bank of England AR	0.01%	(3.5)	0.39%
Axia Home Loans	0.01%	(3.5)	0.76%
Sierra Pacific Mortgage	0.02%	(3.5)	0.61%
First Colony Mortgage Corporation	0.02%	(3.5)	0.12%
CashCall Mortgage	0.02%	(3.5)	0.06%
Goldwater Bank	0.02%	(3.5)	0.52%
PrimeLending	0.02%	(3.5)	1.34%
OneTrust Home Loans	0.02%	(3.5)	0.33%
Glacier Bank	0.02%	(3.5)	0.36%
Castle & Cooke Mortgage	0.03%	(3.5)	0.85%
NewRez	0.03%	(3.5)	0.24%
Academy Mortgage Corporation Utah	0.03%	(3.5)	4.80%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	6.71%
First Savings Bank	0.04%	(3.5)	0.43%
Citywide Home Loans	0.04%	(3.5)	0.46%
AmCap Home Loans	0.05%	(3.5)	0.33%
Premier Mortgage Resources	0.05%	(3.0)	1.55%
Primary Residential Mortgage Inc	0.05%	(3.0)	0.49%
Synergy One Lending	0.05%	(3.0)	2.40%
Finance of America Mortgage	0.06%	(3.0)	2.40%
HomeStreet Bank	0.06%	(3.0)	0.70%
Evergreen Moneysource Mortgage Company	0.06%	(3.0)	2.37%
Quicken Loans	0.08%	(3.0)	6.68%
Benchmark	0.08%	(3.0)	0.91%
The Federal Savings Bank	0.09%	(3.0)	1.52%
Carrington Mortgage Services	0.09%	(3.0)	0.91%
Mr. Cooper	0.10%	(3.0)	1.00%
Willamette Valley Bank	0.17%	(2.5)	2.13%
Freedom Mortgage Corporation	0.22%	(2.5)	1.94%
NewDay USA	0.49%	(1.0)	1.94%

Lender Name	Rate Difference	Rate Rating	Market Share
Navy Federal Credit Union	-0.23%	(4.5)	3.42%
Idaho Central Credit Union	-0.15%	(4.0)	4.79%
BOK Financial	-0.10%	(4.0)	1.49%
HomeBridge Financial Services	-0.08%	(4.0)	0.93%
Keller Mortgage	-0.07%	(4.0)	0.81%
TBI Mortgage Company	-0.07%	(4.0)	2.61%
Guaranteed Rate	-0.06%	(4.0)	2.61%
Flagstar Bank	-0.06%	(4.0)	2.80%
CMG Financial	-0.05%	(4.0)	1.86%
NBKC Bank	-0.05%	(4.0)	0.75%
USAA	-0.05%	(3.5)	8.27%
Caliber Home Loans	-0.05%	(3.5)	3.17%
Wells Fargo Bank	-0.03%	(3.5)	0.99%
Umpqua Bank	-0.02%	(3.5)	0.25%
Bank of Idaho	-0.02%	(3.5)	0.25%
Summit Funding Inc	-0.02%	(3.5)	0.62%
First Federal Savings Bank of Twin Falls	-0.02%	(3.5)	0.12%
Cherry Creek Mortgage	-0.02%	(3.5)	0.12%
US Bank	-0.01%	(3.5)	0.44%
Stearns Home Loans	-0.01%	(3.5)	0.12%
American Financing	-0.01%	(3.5)	0.12%
First Choice Loan Services	-0.01%	(3.5)	0.06%
Mr. Cooper	-0.01%	(3.5)	0.37%
Banner Bank	-0.01%	(3.5)	0.19%
PennyMac Loan Services	-0.01%	(3.5)	0.37%
Washington Trust Bank	-0.01%	(3.5)	0.44%
Mountain America Credit Union	-0.01%	(3.5)	0.12%
JPMorgan Chase Bank	-0.01%	(3.5)	0.37%
Gateway First Bank	-0.00%	(3.5)	0.56%
First Interstate Bank	-0.00%	(3.5)	0.37%
Pacific Residential Mortgage	-0.00%	(3.5)	0.25%
KeyBank	-0.00%	(3.5)	0.06%
FirstBank TN	0.00%	(3.5)	0.12%
PRMG Mortgage	0.00%	(3.5)	0.44%
Waterstone Mortgage Corporation	0.00%	(3.5)	1.55%
The Federal Savings Bank	0.00%	(3.5)	0.06%
Goldwater Bank	0.00%	(3.5)	0.50%
Summit Mortgage Corporation	0.00%	(3.5)	0.19%
D. L. Evans Bank	0.01%	(3.5)	0.56%
Supreme Lending	0.01%	(3.5)	0.06%
Churchill Mortgage	0.01%	(3.5)	0.06%
Movement Mortgage	0.01%	(3.5)	6.40%
Zions Bank	0.01%	(3.5)	0.06%
PrimeLending	0.01%	(3.5)	1.80%
loanDepot	0.02%	(3.5)	0.25%
New American Funding	0.02%	(3.5)	0.31%
Freedom Mortgage Corporation	0.02%	(3.5)	0.19%
CashCall Mortgage	0.02%	(3.5)	0.12%
Geneva Financial Home Loans	0.02%	(3.5)	0.19%
Axia Home Loans	0.02%	(3.5)	0.93%
American Pacific Mortgage	0.03%	(3.5)	2.49%
Bay Equity Home Loans	0.03%	(3.5)	0.19%
First Colony Mortgage Corporation	0.03%	(3.5)	0.19%
NewDay USA	0.03%	(3.5)	0.44%
Quicken Loans	0.03%	(3.5)	1.55%
Guild Mortgage Company	0.03%	(3.5)	4.04%
Synergy One Lending	0.03%	(3.5)	2.92%
OneTrust Home Loans	0.04%	(3.5)	0.56%
Fairway Independent Mortgage Corporation	0.04%	(3.5)	9.57%
Bank of England AR	0.04%	(3.5)	0.44%
Academy Mortgage Corporation Utah	0.04%	(3.5)	6.22%
First Savings Bank	0.05%	(3.5)	0.50%
Castle & Cooke Mortgage	0.05%	(3.5)	0.87%
Sierra Pacific Mortgage	0.06%	(3.0)	0.81%
Citywide Home Loans	0.06%	(3.0)	0.75%
Glacier Bank	0.06%	(3.0)	0.44%
AmCap Home Loans	0.07%	(3.0)	0.37%
HomeStreet Bank	0.07%	(3.0)	1.12%
Primary Residential Mortgage Inc	0.08%	(3.0)	0.68%
Premier Mortgage Resources	0.08%	(3.0)	1.55%
Finance of America Mortgage	0.09%	(3.0)	2.86%
Evergreen Moneysource Mortgage Company	0.10%	(3.0)	3.48%
Carrington Mortgage Services	0.11%	(3.0)	0.31%
Benchmark	0.11%	(3.0)	1.31%
Willamette Valley Bank	0.22%	(2.5)	2.86%

Lender Name	Rate Difference	Rate Rating	Market Share
Lakeview Loan Servicing	-0.16%	(4.5)	3.26%
loanDepot	-0.14%	(4.0)	5.22%
BOK Financial	-0.14%	(4.0)	1.01%
Idaho Central Credit Union	-0.14%	(4.0)	2.73%
Navy Federal Credit Union	-0.14%	(4.0)	1.48%
Guaranteed Rate	-0.13%	(4.0)	1.48%
Flagstar Bank	-0.12%	(4.0)	4.21%
USAA	-0.10%	(4.0)	6.23%
Movement Mortgage	-0.09%	(4.0)	4.63%
Caliber Home Loans	-0.09%	(4.0)	2.79%
NBKC Bank	-0.09%	(4.0)	0.83%
New American Funding	-0.07%	(4.0)	0.59%
American Pacific Mortgage	-0.07%	(4.0)	1.01%
Gateway First Bank	-0.06%	(4.0)	1.07%
Sierra Pacific Mortgage	-0.06%	(4.0)	0.42%
HomeBridge Financial Services	-0.06%	(4.0)	1.36%
Amerisave Mortgage Corporation	-0.05%	(4.0)	0.71%
D. L. Evans Bank	-0.05%	(3.5)	0.18%
Guild Mortgage Company	-0.04%	(3.5)	3.74%
First Interstate Bank	-0.04%	(3.5)	0.18%
RoundPoint Mortgage Servicing Corporation	-0.04%	(3.5)	0.30%
PennyMac Loan Services	-0.03%	(3.5)	5.22%
American Financing	-0.03%	(3.5)	0.30%
Keller Mortgage	-0.03%	(3.5)	0.24%
Glacier Bank	-0.03%	(3.5)	0.30%
First Federal Savings Bank of Twin Falls	-0.02%	(3.5)	0.06%
Mountain America Credit Union	-0.02%	(3.5)	0.47%
Banner Bank	-0.02%	(3.5)	0.12%
FirstBank TN	-0.02%	(3.5)	0.06%
Summit Funding Inc	-0.02%	(3.5)	0.59%
Bank of Idaho	-0.02%	(3.5)	0.06%
Umpqua Bank	-0.02%	(3.5)	0.18%
Bank of England AR	-0.02%	(3.5)	0.36%
Bay Equity Home Loans	-0.02%	(3.5)	0.06%
Supreme Lending	-0.02%	(3.5)	0.12%
Evergreen Moneysource Mortgage Company	-0.01%	(3.5)	1.31%
Cardinal Financial Company	-0.01%	(3.5)	0.12%
OneTrust Home Loans	-0.01%	(3.5)	0.12%
Pacific Residential Mortgage	-0.01%	(3.5)	0.36%
Citywide Home Loans	-0.01%	(3.5)	0.18%
First Choice Loan Services	-0.01%	(3.5)	0.06%
Washington Trust Bank	-0.01%	(3.5)	0.30%
CMG Financial	-0.01%	(3.5)	0.65%
Summit Mortgage Corporation	-0.00%	(3.5)	0.06%
US Bank	-0.00%	(3.5)	0.24%
Geneva Financial Home Loans	-0.00%	(3.5)	0.18%
First Colony Mortgage Corporation	-0.00%	(3.5)	0.06%
Axia Home Loans	-0.00%	(3.5)	0.59%
Stearns Home Loans	-0.00%	(3.5)	0.06%
Primary Residential Mortgage Inc	0.00%	(3.5)	0.30%
PRMG Mortgage	0.00%	(3.5)	0.36%
Castle & Cooke Mortgage	0.01%	(3.5)	0.83%
Waterstone Mortgage Corporation	0.01%	(3.5)	0.12%
Finance of America Mortgage	0.02%	(3.5)	1.96%
Premier Mortgage Resources	0.02%	(3.5)	1.54%
Academy Mortgage Corporation Utah	0.02%	(3.5)	3.44%
JPMorgan Chase Bank	0.02%	(3.5)	0.18%
NewRez	0.02%	(3.5)	0.47%
Benchmark	0.03%	(3.5)	0.53%
AmCap Home Loans	0.03%	(3.5)	0.30%
HomeStreet Bank	0.03%	(3.5)	0.30%
Goldwater Bank	0.03%	(3.5)	0.53%
Wells Fargo Bank	0.04%	(3.5)	0.18%
First Savings Bank	0.04%	(3.5)	0.36%
PrimeLending	0.04%	(3.5)	0.89%
Fairway Independent Mortgage Corporation	0.07%	(3.0)	3.98%
Quicken Loans	0.08%	(3.0)	11.57%
The Federal Savings Bank	0.08%	(3.0)	2.91%
Carrington Mortgage Services	0.09%	(3.0)	1.48%
Synergy One Lending	0.09%	(3.0)	1.90%
Willamette Valley Bank	0.10%	(3.0)	1.42%
Mr. Cooper	0.12%	(3.0)	1.60%
Freedom Mortgage Corporation	0.22%	(2.5)	3.62%
NewDay USA	0.54%	(1.0)	3.38%

* Data is compiled for the Boise City, ID commuting zone area, which comprises of counties of Ada County, ID, Boise County, ID, Canyon County, ID, Elmore County, ID, Gem County, ID, and Owyhee County, ID. This includes cities/towns/communities of Boise City, ID as well as Nampa, ID, Meridian, ID, Eagle, ID, Kuna, ID, Caldwell, ID, Middleton, ID, Mountain Home, ID, Emmett, ID, Hidden Spring, ID, Greenleaf, ID, Garden City, ID, Horseshoe Bend, ID, Melba, ID, Homedale, ID, Parma, ID, Marsing, ID, Notus, ID, Glenns Ferry, ID, and Murphy, ID. 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.

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