Let’s take a look at the top mortgage lenders in Idaho, based on annual loan origination volume.
The Gem State has been one of the hotter housing markets in recent years, seeing an influx of buyers from other states nationwide.
That, plus rising home prices, led to over $42 billion in home loan origination volume there last year.
And while some 450+ mortgage companies took part, only one could claim the top spot.
Interestingly, the #1 mortgage lender in Idaho is homegrown. Read on to find out who it is.
Top Mortgage Lenders in Idaho (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Idaho Central CU | $1.5 billion |
| 2. | UWM | $1.0 billion |
| 3. | Rocket Mortgage | $710 million |
| 4. | Guild Mortgage | $487 million |
| 5. | Premier Mortgage | $392 million |
| 6. | U.S. Bank | $266 million |
| 7. | Glacier Bank | $265 million |
| 8. | loanDepot | $250 million |
| 9. | Movement | $244 million |
| 10. | CMG Mortgage | $226 million |
Even if you’re headquartered in a particular state, it’s difficult to beat out the national mortgage brands these days.
But Idaho Central Credit Union did just that, originating $1.5 billion in home loans in the state of Idaho in 2024 (latest full year), per HMDA data from Richey May.
That was more than enough to take out top ranked United Wholesale Mortgage (UWM), which only mustered $1.0 billion.
Pretty impressive feat, and a testament to how much Idahoans like their own local lender. It’s also one of the few credit unions (if only) to rank #1 in a state.
In third was Rocket Mortgage with $710 million, followed by Guild Mortgage with $487 million, Premier Mortgage Resources with $392 million.
Spots six through 10 went to U.S. Bank, Glacier Bank, loanDepot, Movement Mortgage, and CMG Mortgage.
So just one hometown lender the in the bunch, though it was far and away the leader of the pack.
Top Idaho Mortgage Lenders (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Idaho Central CU | $1.0 billion |
| 2. | UWM | $778 million |
| 3. | Guild Mortgage | $414 million |
| 4. | Rocket Mortgage | $365 million |
| 5. | Premier Mortgage | $349 million |
| 6. | Glacier Bank | $221 million |
| 7. | Movement | $219 million |
| 8. | U.S. Bank | $201 million |
| 9. | Evergreen | $199 million |
| 10. | loanDepot | $192 million |
As far as home purchase lending was concerned, Idaho Central was just as dominant, taking first place easily with $1.0 billion funded.
That was plenty more than second place UWM’s $778 million, and more than double Guild Mortgage’s $414 million.
In fourth was Rocket Mortgage with $365 million, followed by Meridian, Idaho’s own Premier Mortgage Resources with $349 million.
The rest of the best included Dallas-based Kalispell, Montana-based Glacier Bank, Movement Mortgage, U.S. Bank, Evergreen Home Loans, and loanDepot.
Surprisingly, just the two Idaho-based companies in the list, despite home purchases being pretty personal, and thus often local.
But again, Idaho’s own Idaho Central CU was easily the leader here too.
Top Refinance Lenders in Idaho (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Idaho Central CU | $447 million |
| 2. | Rocket Mortgage | $324 million |
| 3. | UWM | $256 million |
| 4. | Freedom Mortgage | $81 million |
| 5. | Guild Mortgage | $69 million |
| 6. | loanDepot | $53 million |
| 7. | U.S. Bank | $49 million |
| 8. | Premier Mortgage | $44 million |
| 9. | CMG Mortgage | $43 million |
| 10. | Pennymac | $41 million |
If we filter out purchase loans and focus only on existing homeowners who refinanced, Idaho Central was still king with $447 million funded.
However, Rocket Mortgage wasn’t too far behind with $324 million in refi originations. It then dropped off quite a bit with UWM coming in third with $256 million.
Refi specialist Freedom Mortgage and Guild Mortgage took fourth and fifth, with $81 million and $69 million, respectively.
The bottom half of the top 10 included loanDepot, U.S. Bank, Premier Mortgage Resources, CMG Mortgage, and Pennymac.
Again, mostly bigger national brands and only the one Idaho-based lender. Perhaps there just aren’t a lot of large mortgage companies headquartered in the state.
But impressive to see Idaho Central sweep all three categories, including both home purchases and mortgage refinances.
Top Mortgage Lenders in Boise
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Idaho Central CU | $741 million |
| 2. | UWM | $550 million |
| 3. | Rocket Mortgage | $339 million |
| 4. | Guild Mortgage | $307 million |
| 5. | Premier Mortgage | $225 million |
| 6. | Movement | $180 million |
| 7. | TBI Mortgage | $157 million |
| 8. | Synergy One | $149 million |
| 9. | Fairway Home | $147 million |
| 10. | Rate | $143 million |
The Best Idaho Mortgage Lenders (based on customer reviews)
We’ve discussed the biggest mortgage lenders in the state of Idaho. But what about the best?
As I always say, it’s difficult to get mortgage-specific reviews for a bank or credit union because they offer lots of different products.
There are also smaller companies that don’t necessarily make the lists above, but are still highly-rated.
For example, Meridian, Idaho-based Premier Mortgage Resources has a 4.93/5 on Zillow from 300+ reviews.
And Boise-based Blue Sky Financial has a 4.90/5 from nearly 160+ reviews. They aren’t as big as the others, but come highly reviewed and are local to Idaho.
As for the big guys, Rocket has a 4.48/5 on Zillow, U.S. Bank has a 4.98/5, Fairway Home Mortgage a 4.95/5, and Wells Fargo a 4.95/5.
So there appear to be good options both small and large, and local and non-local. Take the time to compare different companies, and different types of companies.
That includes credit unions, banks, nonbank lenders, and independent mortgage brokers located in the state of Idaho and beyond.
(photo: Hillary Hartley)
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