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. 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 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area 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
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Idaho Central Credit Union | -0.07% | 5.71% | |
| US Bank | -0.07% | 7.13% | |
| Academy Mortgage Corporation Utah | -0.04% | 28.21% | |
| Umpqua Bank | -0.01% | 5.39% | |
| Fairway Independent Mortgage Corporation | -0.01% | 8.40% | |
| Guild Mortgage Company | 0.01% | 5.23% | |
| Quicken Loans | 0.03% | 15.85% | |
| First Colony Mortgage Corporation | 0.06% | 19.02% | |
| Movement Mortgage | 0.07% | 5.07% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.13% | 6.32% | |
| Idaho Central Credit Union | -0.09% | 6.09% | |
| Academy Mortgage Corporation Utah | -0.03% | 34.89% | |
| Fairway Independent Mortgage Corporation | -0.01% | 11.01% | |
| Umpqua Bank | -0.00% | 4.92% | |
| Quicken Loans | 0.03% | 5.15% | |
| Guild Mortgage Company | 0.03% | 4.92% | |
| Movement Mortgage | 0.08% | 5.62% | |
| First Colony Mortgage Corporation | 0.09% | 21.08% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Academy Mortgage Corporation Utah | -0.05% | 14.22% | |
| Idaho Central Credit Union | -0.03% | 4.90% | |
| Guild Mortgage Company | -0.02% | 5.88% | |
| Umpqua Bank | -0.01% | 6.37% | |
| First Colony Mortgage Corporation | -0.01% | 14.71% | |
| US Bank | 0.01% | 8.82% | |
| Movement Mortgage | 0.02% | 3.92% | |
| Quicken Loans | 0.02% | 38.24% | |
| Fairway Independent Mortgage Corporation | 0.03% | 2.94% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Idaho Central Credit Union | -0.08% | 7.03% | |
| US Bank | -0.07% | 9.84% | |
| Academy Mortgage Corporation Utah | -0.04% | 29.51% | |
| Umpqua Bank | -0.00% | 4.92% | |
| Fairway Independent Mortgage Corporation | 0.01% | 7.96% | |
| Guild Mortgage Company | 0.03% | 4.68% | |
| Quicken Loans | 0.04% | 14.99% | |
| First Colony Mortgage Corporation | 0.07% | 16.16% | |
| Movement Mortgage | 0.10% | 4.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.14% | 8.57% | |
| Idaho Central Credit Union | -0.10% | 7.86% | |
| Academy Mortgage Corporation Utah | -0.04% | 36.43% | |
| Umpqua Bank | 0.01% | 4.64% | |
| Fairway Independent Mortgage Corporation | 0.01% | 10.36% | |
| Quicken Loans | 0.04% | 4.64% | |
| Guild Mortgage Company | 0.05% | 4.64% | |
| First Colony Mortgage Corporation | 0.12% | 16.43% | |
| Movement Mortgage | 0.12% | 6.43% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Academy Mortgage Corporation Utah | -0.06% | 16.33% | |
| Idaho Central Credit Union | -0.04% | 5.44% | |
| First Colony Mortgage Corporation | -0.02% | 15.65% | |
| Umpqua Bank | -0.02% | 5.44% | |
| Guild Mortgage Company | -0.01% | 4.76% | |
| US Bank | 0.01% | 12.24% | |
| Fairway Independent Mortgage Corporation | 0.03% | 3.40% | |
| Quicken Loans | 0.04% | 34.69% | |
| Movement Mortgage | 0.04% | 2.04% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.05% | 10.07% | |
| Guild Mortgage Company | -0.03% | 6.47% | |
| Idaho Central Credit Union | -0.02% | 1.44% | |
| Umpqua Bank | -0.02% | 7.19% | |
| Movement Mortgage | -0.02% | 4.32% | |
| US Bank | -0.01% | 0.72% | |
| Academy Mortgage Corporation Utah | -0.01% | 25.18% | |
| Quicken Loans | 0.00% | 18.71% | |
| First Colony Mortgage Corporation | 0.04% | 25.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | -0.05% | 12.38% | |
| Guild Mortgage Company | -0.03% | 4.76% | |
| Umpqua Bank | -0.02% | 6.67% | |
| Idaho Central Credit Union | -0.02% | 1.90% | |
| Movement Mortgage | -0.02% | 4.76% | |
| US Bank | -0.02% | 0.95% | |
| Academy Mortgage Corporation Utah | -0.01% | 32.38% | |
| Quicken Loans | 0.02% | 5.71% | |
| First Colony Mortgage Corporation | 0.05% | 30.48% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guild Mortgage Company | -0.02% | 11.76% | |
| Academy Mortgage Corporation Utah | -0.01% | 2.94% | |
| Umpqua Bank | -0.00% | 8.82% | |
| Quicken Loans | 0.00% | 58.82% | |
| Fairway Independent Mortgage Corporation | 0.01% | 2.94% | |
| First Colony Mortgage Corporation | 0.01% | 11.76% | |
| Movement Mortgage | 0.01% | 2.94% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Academy Mortgage Corporation Utah | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Academy Mortgage Corporation Utah | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Academy Mortgage Corporation Utah | -0.03% | 25.00% | |
| Idaho Central Credit Union | -0.02% | 6.25% | |
| Guild Mortgage Company | -0.01% | 6.25% | |
| Umpqua Bank | -0.01% | 4.69% | |
| Quicken Loans | -0.01% | 15.62% | |
| Fairway Independent Mortgage Corporation | -0.01% | 7.81% | |
| US Bank | -0.00% | 3.12% | |
| Movement Mortgage | 0.00% | 7.81% | |
| First Colony Mortgage Corporation | 0.05% | 23.44% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Academy Mortgage Corporation Utah | -0.04% | 30.95% | |
| Idaho Central Credit Union | -0.02% | 4.76% | |
| Movement Mortgage | -0.01% | 2.38% | |
| Guild Mortgage Company | -0.01% | 7.14% | |
| Fairway Independent Mortgage Corporation | -0.01% | 11.90% | |
| Umpqua Bank | -0.01% | 2.38% | |
| US Bank | -0.01% | 4.76% | |
| Quicken Loans | -0.01% | 7.14% | |
| First Colony Mortgage Corporation | 0.06% | 28.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Idaho Central Credit Union | -0.01% | 9.09% | |
| Guild Mortgage Company | -0.01% | 4.55% | |
| Academy Mortgage Corporation Utah | -0.01% | 13.64% | |
| Umpqua Bank | -0.00% | 9.09% | |
| Quicken Loans | -0.00% | 31.82% | |
| First Colony Mortgage Corporation | 0.01% | 13.64% | |
| Movement Mortgage | 0.01% | 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
This page contains information about the top mortgage lenders in the Fruitland, ID area. For mortgage lender rankings in other cities, click here.