Top Mortgage Lenders in Idaho Falls, ID

Which mortgage lender in the Idaho Falls, ID area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Idaho Falls, 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 Idaho Falls, ID area in terms of interest rate is Westmark Credit Union, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, Westmark Credit Union provided a -0.09% lower interest rate for its customers than other lenders in the area. Westmark Credit Union has a market share of 3.3%. On the other hand, the most popular lender in the Idaho Falls, ID area is Idaho Central Credit Union, with a larger market share of 19.8%. Idaho Central Credit Union is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Idaho Falls, 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 Idaho Falls, ID is Glacier Bank. 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 Wells Fargo Bank. 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 Eagle Bank and Trust Company. 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 Idaho Falls, ID

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Westmark Credit Union-0.09%(4.0)3.28%
Glacier Bank-0.09%(4.0)5.64%
East Idaho Credit Union-0.09%(4.0)1.10%
Eagle Bank and Trust Company-0.08%(4.0)10.54%
Idaho Central Credit Union-0.06%(4.0)19.84%
Citywide Home Loans-0.05%(3.5)1.09%
First Colony Mortgage Corporation-0.05%(3.5)0.91%
Zions Bank-0.05%(3.5)0.78%
US Bank-0.05%(3.5)1.98%
Gateway First Bank-0.04%(3.5)1.63%
Advantage Plus CU-0.03%(3.5)1.67%
VanDyk Mortgage Corporation-0.03%(3.5)2.23%
NBKC Bank-0.02%(3.5)0.54%
Bank of Idaho-0.01%(3.5)4.37%
Navy Federal Credit Union-0.00%(3.5)0.53%
Fairway Independent Mortgage Corporation0.01%(3.5)1.52%
Flagstar Bank0.01%(3.5)2.66%
American Financing0.02%(3.5)0.51%
Mountain America Credit Union0.02%(3.5)3.56%
Caliber Home Loans0.03%(3.5)0.64%
American Pacific Mortgage0.04%(3.5)2.52%
Keller Mortgage0.04%(3.5)0.82%
Carrington Mortgage Services0.04%(3.5)0.56%
Academy Mortgage Corporation Utah0.05%(3.0)0.68%
JPMorgan Chase Bank0.05%(3.0)1.01%
D. L. Evans Bank0.06%(3.0)0.87%
Sierra Pacific Mortgage0.07%(3.0)0.58%
Guild Mortgage Company0.07%(3.0)6.86%
Synergy One Lending0.08%(3.0)2.01%
Summit Funding Inc0.08%(3.0)0.71%
Mann Mortgage0.09%(3.0)2.92%
Freedom Mortgage Corporation0.10%(3.0)0.64%
Wells Fargo Bank0.11%(3.0)1.29%
Cornerstone Home Lending0.14%(3.0)0.74%
Mr. Cooper0.14%(3.0)0.82%
Quicken Loans0.18%(2.5)7.40%
Lender NameRate DifferenceRate RatingMarket Share
Westmark Credit Union-0.11%(4.0)4.79%
Eagle Bank and Trust Company-0.07%(4.0)12.80%
Gateway First Bank-0.06%(4.0)1.80%
US Bank-0.06%(4.0)1.38%
First Colony Mortgage Corporation-0.05%(4.0)1.07%
Citywide Home Loans-0.05%(3.5)1.28%
VanDyk Mortgage Corporation-0.04%(3.5)2.76%
East Idaho Credit Union-0.03%(3.5)0.55%
NBKC Bank-0.02%(3.5)0.75%
Idaho Central Credit Union-0.02%(3.5)22.09%
Bank of Idaho-0.02%(3.5)4.63%
Glacier Bank-0.01%(3.5)5.98%
Navy Federal Credit Union-0.00%(3.5)0.70%
Fairway Independent Mortgage Corporation0.01%(3.5)1.77%
JPMorgan Chase Bank0.01%(3.5)0.73%
Advantage Plus CU0.01%(3.5)1.64%
Carrington Mortgage Services0.02%(3.5)0.10%
Freedom Mortgage Corporation0.02%(3.5)0.13%
Mountain America Credit Union0.03%(3.5)2.89%
Flagstar Bank0.03%(3.5)2.52%
American Pacific Mortgage0.04%(3.5)3.30%
Caliber Home Loans0.04%(3.5)0.49%
Keller Mortgage0.04%(3.5)1.20%
American Financing0.05%(3.5)0.10%
Zions Bank0.05%(3.0)0.47%
Wells Fargo Bank0.06%(3.0)1.14%
D. L. Evans Bank0.07%(3.0)1.01%
Sierra Pacific Mortgage0.07%(3.0)0.75%
Academy Mortgage Corporation Utah0.07%(3.0)0.75%
Mr. Cooper0.07%(3.0)0.21%
Guild Mortgage Company0.07%(3.0)8.85%
Synergy One Lending0.09%(3.0)1.93%
Summit Funding Inc0.10%(3.0)0.86%
Mann Mortgage0.10%(3.0)3.51%
Quicken Loans0.13%(3.0)1.82%
Cornerstone Home Lending0.15%(2.5)0.96%
Lender NameRate DifferenceRate RatingMarket Share
Glacier Bank-0.26%(5.0)5.04%
Idaho Central Credit Union-0.15%(4.0)15.94%
Eagle Bank and Trust Company-0.12%(4.0)6.62%
East Idaho Credit Union-0.11%(4.0)2.07%
Zions Bank-0.11%(4.0)1.31%
Advantage Plus CU-0.10%(4.0)1.71%
Citywide Home Loans-0.05%(4.0)0.77%
US Bank-0.04%(3.5)3.02%
First Colony Mortgage Corporation-0.03%(3.5)0.63%
Flagstar Bank-0.01%(3.5)2.88%
Gateway First Bank-0.00%(3.5)1.35%
Mountain America Credit Union0.00%(3.5)4.73%
Academy Mortgage Corporation Utah0.00%(3.5)0.54%
Fairway Independent Mortgage Corporation0.01%(3.5)1.08%
Navy Federal Credit Union0.01%(3.5)0.23%
VanDyk Mortgage Corporation0.01%(3.5)1.31%
Bank of Idaho0.01%(3.5)3.92%
American Financing0.01%(3.5)1.22%
NBKC Bank0.02%(3.5)0.18%
Caliber Home Loans0.02%(3.5)0.90%
D. L. Evans Bank0.03%(3.5)0.63%
Summit Funding Inc0.03%(3.5)0.45%
Keller Mortgage0.04%(3.5)0.18%
Carrington Mortgage Services0.04%(3.5)1.35%
Guild Mortgage Company0.05%(3.5)3.42%
Cornerstone Home Lending0.05%(3.0)0.36%
Synergy One Lending0.06%(3.0)2.16%
Sierra Pacific Mortgage0.06%(3.0)0.27%
American Pacific Mortgage0.06%(3.0)1.17%
Mann Mortgage0.07%(3.0)1.89%
Westmark Credit Union0.08%(3.0)0.68%
JPMorgan Chase Bank0.09%(3.0)1.49%
Freedom Mortgage Corporation0.10%(3.0)1.53%
Mr. Cooper0.16%(2.5)1.89%
Wells Fargo Bank0.17%(2.5)1.53%
Quicken Loans0.19%(2.5)17.06%
Lender NameRate DifferenceRate RatingMarket Share
Glacier Bank-0.10%(4.0)6.84%
Westmark Credit Union-0.09%(4.0)4.42%
Eagle Bank and Trust Company-0.09%(4.0)11.03%
East Idaho Credit Union-0.08%(4.0)1.52%
Citywide Home Loans-0.06%(4.0)1.18%
US Bank-0.05%(3.5)2.45%
Idaho Central Credit Union-0.04%(3.5)22.09%
Zions Bank-0.04%(3.5)1.04%
Gateway First Bank-0.04%(3.5)1.22%
First Colony Mortgage Corporation-0.04%(3.5)0.82%
Advantage Plus CU-0.03%(3.5)2.15%
NBKC Bank-0.02%(3.5)0.50%
Fairway Independent Mortgage Corporation-0.00%(3.5)1.25%
Bank of Idaho0.00%(3.5)4.37%
VanDyk Mortgage Corporation0.01%(3.5)1.20%
Mountain America Credit Union0.02%(3.5)4.30%
American Financing0.03%(3.5)0.32%
Academy Mortgage Corporation Utah0.03%(3.5)0.54%
Keller Mortgage0.03%(3.5)0.79%
Guild Mortgage Company0.05%(3.5)5.87%
American Pacific Mortgage0.05%(3.5)1.63%
Summit Funding Inc0.05%(3.0)0.34%
Navy Federal Credit Union0.05%(3.0)0.18%
Caliber Home Loans0.06%(3.0)0.50%
Carrington Mortgage Services0.06%(3.0)0.27%
JPMorgan Chase Bank0.06%(3.0)1.29%
D. L. Evans Bank0.07%(3.0)0.97%
Flagstar Bank0.08%(3.0)2.04%
Synergy One Lending0.08%(3.0)1.72%
Mann Mortgage0.09%(3.0)2.20%
Sierra Pacific Mortgage0.10%(3.0)0.45%
Freedom Mortgage Corporation0.12%(3.0)0.27%
Wells Fargo Bank0.13%(3.0)1.63%
Cornerstone Home Lending0.16%(2.5)0.54%
Mr. Cooper0.22%(2.5)0.50%
Quicken Loans0.23%(2.5)7.11%
Lender NameRate DifferenceRate RatingMarket Share
Westmark Credit Union-0.11%(4.0)6.64%
Eagle Bank and Trust Company-0.08%(4.0)13.99%
US Bank-0.07%(4.0)1.70%
Citywide Home Loans-0.07%(4.0)1.37%
Gateway First Bank-0.06%(4.0)1.33%
First Colony Mortgage Corporation-0.04%(3.5)0.96%
East Idaho Credit Union-0.03%(3.5)0.77%
NBKC Bank-0.03%(3.5)0.70%
Glacier Bank-0.01%(3.5)7.16%
Bank of Idaho-0.01%(3.5)4.43%
Fairway Independent Mortgage Corporation-0.00%(3.5)1.59%
JPMorgan Chase Bank0.01%(3.5)0.92%
Idaho Central Credit Union0.01%(3.5)24.10%
Advantage Plus CU0.01%(3.5)2.10%
VanDyk Mortgage Corporation0.01%(3.5)1.44%
Freedom Mortgage Corporation0.02%(3.5)0.04%
Mountain America Credit Union0.03%(3.5)3.28%
American Financing0.03%(3.5)0.07%
Keller Mortgage0.03%(3.5)1.14%
American Pacific Mortgage0.04%(3.5)2.03%
Guild Mortgage Company0.05%(3.5)7.71%
Academy Mortgage Corporation Utah0.05%(3.5)0.59%
Navy Federal Credit Union0.05%(3.0)0.22%
Caliber Home Loans0.06%(3.0)0.37%
Summit Funding Inc0.06%(3.0)0.33%
Zions Bank0.06%(3.0)0.63%
Wells Fargo Bank0.08%(3.0)1.40%
D. L. Evans Bank0.08%(3.0)1.18%
Synergy One Lending0.09%(3.0)1.62%
Mann Mortgage0.09%(3.0)2.77%
Mr. Cooper0.09%(3.0)0.15%
Flagstar Bank0.09%(3.0)2.03%
Sierra Pacific Mortgage0.10%(3.0)0.59%
Quicken Loans0.16%(2.5)1.88%
Cornerstone Home Lending0.20%(2.5)0.66%
Lender NameRate DifferenceRate RatingMarket Share
Glacier Bank-0.27%(5.0)6.34%
Idaho Central Credit Union-0.15%(4.0)18.90%
Eagle Bank and Trust Company-0.13%(4.0)6.34%
East Idaho Credit Union-0.11%(4.0)2.70%
Zions Bank-0.10%(4.0)1.70%
Advantage Plus CU-0.10%(4.0)2.23%
Citywide Home Loans-0.06%(4.0)0.88%
First Colony Mortgage Corporation-0.04%(3.5)0.59%
US Bank-0.04%(3.5)3.64%
Academy Mortgage Corporation Utah-0.00%(3.5)0.47%
Gateway First Bank0.00%(3.5)1.06%
Mountain America Credit Union0.01%(3.5)5.93%
Fairway Independent Mortgage Corporation0.01%(3.5)0.70%
VanDyk Mortgage Corporation0.02%(3.5)0.82%
Bank of Idaho0.02%(3.5)4.28%
NBKC Bank0.02%(3.5)0.18%
American Financing0.03%(3.5)0.70%
D. L. Evans Bank0.04%(3.5)0.65%
Summit Funding Inc0.04%(3.5)0.35%
Keller Mortgage0.04%(3.5)0.23%
Navy Federal Credit Union0.05%(3.5)0.12%
Guild Mortgage Company0.05%(3.0)2.93%
Caliber Home Loans0.06%(3.0)0.70%
Cornerstone Home Lending0.06%(3.0)0.35%
Flagstar Bank0.06%(3.0)2.05%
Carrington Mortgage Services0.06%(3.0)0.70%
Synergy One Lending0.07%(3.0)1.88%
Westmark Credit Union0.09%(3.0)0.88%
American Pacific Mortgage0.09%(3.0)1.00%
Mann Mortgage0.09%(3.0)1.29%
Sierra Pacific Mortgage0.09%(3.0)0.23%
JPMorgan Chase Bank0.10%(3.0)1.88%
Freedom Mortgage Corporation0.13%(3.0)0.65%
Wells Fargo Bank0.18%(2.5)2.00%
Mr. Cooper0.24%(2.5)1.06%
Quicken Loans0.25%(2.5)15.43%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.15%(4.0)15.81%
Flagstar Bank-0.09%(4.0)4.49%
First Colony Mortgage Corporation-0.07%(4.0)1.53%
VanDyk Mortgage Corporation-0.07%(4.0)6.29%
Bank of Idaho-0.05%(4.0)4.31%
Gateway First Bank-0.04%(3.5)2.70%
Eagle Bank and Trust Company-0.01%(3.5)8.09%
American Financing0.00%(3.5)1.17%
NBKC Bank0.00%(3.5)0.18%
US Bank0.00%(3.5)0.27%
Zions Bank0.01%(3.5)0.09%
Caliber Home Loans0.01%(3.5)0.99%
Citywide Home Loans0.01%(3.5)0.81%
Fairway Independent Mortgage Corporation0.01%(3.5)2.43%
Glacier Bank0.01%(3.5)2.16%
D. L. Evans Bank0.02%(3.5)0.72%
Carrington Mortgage Services0.02%(3.5)1.44%
American Pacific Mortgage0.03%(3.5)5.66%
Sierra Pacific Mortgage0.03%(3.5)0.99%
Keller Mortgage0.05%(3.5)0.81%
Mountain America Credit Union0.05%(3.0)1.62%
Quicken Loans0.06%(3.0)8.00%
Advantage Plus CU0.06%(3.0)0.54%
Freedom Mortgage Corporation0.08%(3.0)1.08%
Academy Mortgage Corporation Utah0.08%(3.0)1.26%
Mr. Cooper0.09%(3.0)1.80%
Synergy One Lending0.09%(3.0)2.70%
Guild Mortgage Company0.10%(3.0)9.79%
Summit Funding Inc0.10%(3.0)2.34%
Cornerstone Home Lending0.11%(3.0)1.80%
Mann Mortgage0.12%(3.0)6.11%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.14%(4.0)20.38%
First Colony Mortgage Corporation-0.08%(4.0)1.76%
VanDyk Mortgage Corporation-0.07%(4.0)7.55%
Flagstar Bank-0.07%(4.0)3.14%
Bank of Idaho-0.05%(4.0)5.03%
Gateway First Bank-0.05%(3.5)2.89%
NBKC Bank0.01%(3.5)0.25%
Freedom Mortgage Corporation0.01%(3.5)0.25%
Citywide Home Loans0.01%(3.5)1.01%
US Bank0.01%(3.5)0.38%
Eagle Bank and Trust Company0.01%(3.5)8.43%
Zions Bank0.01%(3.5)0.13%
Fairway Independent Mortgage Corporation0.02%(3.5)2.39%
D. L. Evans Bank0.02%(3.5)0.75%
Glacier Bank0.02%(3.5)2.64%
Carrington Mortgage Services0.02%(3.5)0.38%
Caliber Home Loans0.03%(3.5)0.75%
American Pacific Mortgage0.03%(3.5)7.17%
Sierra Pacific Mortgage0.04%(3.5)1.13%
Quicken Loans0.05%(3.0)1.01%
Keller Mortgage0.06%(3.0)1.13%
Mr. Cooper0.06%(3.0)0.25%
Mountain America Credit Union0.06%(3.0)2.01%
Advantage Plus CU0.07%(3.0)0.75%
American Financing0.07%(3.0)0.25%
Academy Mortgage Corporation Utah0.11%(3.0)1.38%
Guild Mortgage Company0.11%(3.0)11.95%
Synergy One Lending0.12%(3.0)2.77%
Cornerstone Home Lending0.12%(3.0)2.26%
Summit Funding Inc0.12%(3.0)2.77%
Mann Mortgage0.14%(3.0)6.42%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.13%(4.0)4.40%
Flagstar Bank-0.13%(4.0)7.86%
Eagle Bank and Trust Company-0.08%(4.0)7.23%
Caliber Home Loans-0.03%(3.5)1.57%
American Financing-0.03%(3.5)3.46%
Mountain America Credit Union-0.03%(3.5)0.63%
Bank of Idaho-0.02%(3.5)2.52%
Gateway First Bank-0.02%(3.5)2.20%
VanDyk Mortgage Corporation-0.02%(3.5)3.14%
Fairway Independent Mortgage Corporation-0.02%(3.5)2.52%
Glacier Bank-0.01%(3.5)0.94%
Sierra Pacific Mortgage-0.01%(3.5)0.63%
First Colony Mortgage Corporation-0.00%(3.5)0.94%
American Pacific Mortgage0.00%(3.5)1.89%
Carrington Mortgage Services0.00%(3.5)4.09%
D. L. Evans Bank0.00%(3.5)0.63%
Citywide Home Loans0.01%(3.5)0.31%
Academy Mortgage Corporation Utah0.01%(3.5)0.94%
Summit Funding Inc0.02%(3.5)1.26%
Synergy One Lending0.02%(3.5)2.52%
Guild Mortgage Company0.03%(3.5)4.40%
Mann Mortgage0.04%(3.5)5.35%
Cornerstone Home Lending0.04%(3.5)0.63%
Quicken Loans0.05%(3.5)25.47%
Mr. Cooper0.08%(3.0)5.66%
Freedom Mortgage Corporation0.08%(3.0)3.14%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)8.33%
Idaho Central Credit Union-0.01%(3.5)36.11%
Westmark Credit Union0.00%(3.5)11.11%
Quicken Loans0.01%(3.5)2.78%
Mountain America Credit Union0.01%(3.5)5.56%
US Bank0.01%(3.5)19.44%
Cornerstone Home Lending0.01%(3.5)2.78%
JPMorgan Chase Bank0.02%(3.5)8.33%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)13.04%
Idaho Central Credit Union-0.01%(3.5)34.78%
Westmark Credit Union0.00%(3.5)17.39%
US Bank0.01%(3.5)13.04%
Cornerstone Home Lending0.01%(3.5)4.35%
JPMorgan Chase Bank0.03%(3.5)8.70%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.01%(3.5)38.46%
Quicken Loans0.00%(3.5)7.69%
Mountain America Credit Union0.00%(3.5)15.38%
JPMorgan Chase Bank0.00%(3.5)7.69%
US Bank0.01%(3.5)30.77%
Lender NameRate DifferenceRate RatingMarket Share
Eagle Bank and Trust Company-0.10%(4.0)12.38%
Gateway First Bank-0.06%(4.0)2.99%
Bank of Idaho-0.04%(3.5)4.79%
Navy Federal Credit Union-0.04%(3.5)4.79%
NBKC Bank-0.04%(3.5)1.80%
Idaho Central Credit Union-0.03%(3.5)7.78%
Glacier Bank-0.01%(3.5)3.19%
Caliber Home Loans-0.01%(3.5)1.20%
Mann Mortgage-0.01%(3.5)2.40%
Flagstar Bank-0.01%(3.5)4.19%
VanDyk Mortgage Corporation-0.01%(3.5)2.40%
Wells Fargo Bank-0.01%(3.5)0.60%
Citywide Home Loans-0.01%(3.5)1.00%
D. L. Evans Bank-0.00%(3.5)0.40%
First Colony Mortgage Corporation0.00%(3.5)0.40%
US Bank0.00%(3.5)0.40%
Sierra Pacific Mortgage0.01%(3.5)0.80%
JPMorgan Chase Bank0.01%(3.5)0.20%
American Financing0.02%(3.5)0.80%
Fairway Independent Mortgage Corporation0.02%(3.5)2.00%
Summit Funding Inc0.02%(3.5)0.40%
American Pacific Mortgage0.02%(3.5)3.59%
Synergy One Lending0.02%(3.5)3.19%
Mountain America Credit Union0.02%(3.5)1.20%
Academy Mortgage Corporation Utah0.03%(3.5)0.60%
Carrington Mortgage Services0.04%(3.5)1.20%
Mr. Cooper0.06%(3.0)1.60%
Freedom Mortgage Corporation0.06%(3.0)2.99%
Keller Mortgage0.07%(3.0)1.20%
Quicken Loans0.08%(3.0)8.98%
Guild Mortgage Company0.08%(3.0)9.58%
Lender NameRate DifferenceRate RatingMarket Share
Eagle Bank and Trust Company-0.08%(4.0)14.60%
Gateway First Bank-0.08%(4.0)3.17%
NBKC Bank-0.03%(3.5)2.54%
Bank of Idaho-0.03%(3.5)5.71%
Navy Federal Credit Union-0.03%(3.5)6.67%
Mann Mortgage-0.02%(3.5)2.86%
VanDyk Mortgage Corporation-0.01%(3.5)2.22%
Flagstar Bank-0.01%(3.5)5.40%
Idaho Central Credit Union-0.01%(3.5)8.25%
Glacier Bank-0.01%(3.5)4.76%
Citywide Home Loans-0.00%(3.5)1.27%
Wells Fargo Bank-0.00%(3.5)0.95%
Carrington Mortgage Services0.00%(3.5)0.32%
D. L. Evans Bank0.01%(3.5)0.32%
US Bank0.01%(3.5)0.32%
Caliber Home Loans0.01%(3.5)0.95%
Sierra Pacific Mortgage0.01%(3.5)1.27%
First Colony Mortgage Corporation0.02%(3.5)0.32%
JPMorgan Chase Bank0.02%(3.5)0.32%
Summit Funding Inc0.02%(3.5)0.63%
Freedom Mortgage Corporation0.02%(3.5)0.63%
American Pacific Mortgage0.03%(3.5)4.76%
Mountain America Credit Union0.03%(3.5)1.90%
Synergy One Lending0.03%(3.5)2.54%
Fairway Independent Mortgage Corporation0.03%(3.5)1.90%
Academy Mortgage Corporation Utah0.04%(3.5)0.63%
Mr. Cooper0.04%(3.5)0.63%
Quicken Loans0.05%(3.0)3.49%
Keller Mortgage0.08%(3.0)1.90%
Guild Mortgage Company0.11%(3.0)11.43%
Lender NameRate DifferenceRate RatingMarket Share
Eagle Bank and Trust Company-0.13%(4.0)8.60%
Idaho Central Credit Union-0.06%(4.0)6.99%
Bank of Idaho-0.06%(4.0)3.23%
Caliber Home Loans-0.04%(3.5)1.61%
Navy Federal Credit Union-0.04%(3.5)1.61%
Gateway First Bank-0.03%(3.5)2.69%
D. L. Evans Bank-0.02%(3.5)0.54%
First Colony Mortgage Corporation-0.02%(3.5)0.54%
Fairway Independent Mortgage Corporation-0.01%(3.5)2.15%
Citywide Home Loans-0.01%(3.5)0.54%
NBKC Bank-0.01%(3.5)0.54%
American Pacific Mortgage-0.01%(3.5)1.61%
VanDyk Mortgage Corporation-0.01%(3.5)2.69%
US Bank-0.01%(3.5)0.54%
Glacier Bank-0.00%(3.5)0.54%
Flagstar Bank-0.00%(3.5)2.15%
American Financing0.00%(3.5)2.15%
Mann Mortgage0.00%(3.5)1.61%
Synergy One Lending0.01%(3.5)4.30%
Guild Mortgage Company0.02%(3.5)6.45%
Academy Mortgage Corporation Utah0.02%(3.5)0.54%
Carrington Mortgage Services0.04%(3.5)2.69%
Mr. Cooper0.05%(3.0)3.23%
Freedom Mortgage Corporation0.06%(3.0)6.99%
Quicken Loans0.08%(3.0)18.28%

* Data is compiled for the Idaho Falls, ID commuting zone area, which comprises of counties of Bannock County, ID, Bingham County, ID, Bonneville County, ID, Butte County, ID, Clark County, ID, Jefferson County, ID, and Power County, ID. This includes cities/towns/communities of Idaho Falls, ID as well as Pocatello, ID, Ammon, ID, Rigby, ID, Chubbuck, ID, Blackfoot, ID, Iona, ID, Shelley, ID, Ririe, ID, McCammon, ID, Groveland, ID, Riverside, ID, American Falls, ID, Atomic City, ID, Menan, ID, Firth, ID, Tyhee, ID, Arco, ID, Roberts, ID, Arbon Valley, ID, Fort Hall, ID, Dubois, ID, and Fort Hall, 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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