The Lenders Community Survey gathers homeowners feedback and 86 lenders recommendations for Idaho homeowners. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 28, 2025
<< Human Powered Recommendations >>
Idaho Top Lenders for Home Refinance Loans
Boise, Meridian, Nampa, Idaho Falls, Pocatello, Caldwell, Coeur d’Alene, Twin Falls, Online lenders.
Recommendations are gathered from 790 local Idaho members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Idaho Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Idaho Homeowners.
Boise Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Boise’s area are Idaho Central Credit Union, U.S. Bank and Bank of Idaho.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.0 | 89% |
| Bank of Idaho | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Chase Bank | Bank | 3.5 | 4.0 | 3.5 | 82% |
| D.L. Evans Bank | Community Bank | 4.0 | 3.5 | 4.0 | 81% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 80% |
| Zions Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Ally Bank | Bank | 4.0 | 3.5 | 3.0 | 76% |
| Mountain America Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 75% |
| Banner Bank | Community Bank | 3.0 | 3.5 | 3.5 | 74% |
| Umpqua Bank | Bank | 3.0 | 3.5 | 3.0 | 72% |
| First Interstate Bank | Bank | 3.0 | 3.0 | 3.5 | 70% |
| Columbia Bank | Community Bank | 3.0 | 3.0 | 3.0 | 68% |
| HomeStreet Bank | Bank | 3.0 | 3.0 | 3.0 | 65% |
Meridian Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Meridian’s area are Idaho Central Credit Union, U.S. Bank, and Bank of Idaho.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.0 | 88% |
| Bank of Idaho | Community Bank | 4.0 | 4.0 | 4.5 | 86% |
| D.L. Evans Bank | Community Bank | 4.0 | 3.5 | 4.0 | 83% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 82% |
| Chase Bank | Bank | 3.5 | 4.0 | 3.5 | 80% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 78% |
| Mountain America Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 76% |
| Zions Bank | Bank | 3.5 | 3.5 | 3.0 | 74% |
| Banner Bank | Community Bank | 3.0 | 3.5 | 3.5 | 72% |
Nampa Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Nampa’s area are Idaho Central Credit Union, U.S. Bank and D.L. Evans Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.0 | 87% |
| D.L. Evans Bank | Community Bank | 4.0 | 4.0 | 4.5 | 85% |
| Bank of Idaho | Community Bank | 4.0 | 4.0 | 4.0 | 83% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 81% |
| Chase Bank | Bank | 3.5 | 4.0 | 3.5 | 79% |
| Zions Bank | Bank | 3.5 | 3.5 | 4.0 | 77% |
| KeyBank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| Mountain America Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 73% |
| Banner Bank | Community Bank | 3.0 | 3.5 | 3.5 | 71% |
Idaho Falls Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Idaho Falls’s area are Idaho Central Credit Union, Mountain America Credit Union and Bank of Idaho.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Mountain America Credit Union | Credit Union | 4.5 | 4.5 | 4.0 | 90% |
| Bank of Idaho | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| D.L. Evans Bank | Community Bank | 4.0 | 3.5 | 4.0 | 83% |
| Zions Bank | Bank | 3.5 | 4.0 | 3.5 | 80% |
| Wells Fargo | Bank | 3.5 | 3.5 | 4.0 | 78% |
| Chase Bank | Bank | 3.5 | 3.5 | 3.5 | 76% |
| KeyBank | Bank | 3.5 | 3.5 | 3.5 | 74% |
| First Interstate Bank | Bank | 3.0 | 3.5 | 3.5 | 72% |
Pocatello Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Pocatello’s area are Idaho Central Credit Union, Mountain America Credit Union and D.L. Evans Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Mountain America Credit Union | Credit Union | 4.5 | 4.5 | 4.0 | 89% |
| D.L. Evans Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 84% |
| Bank of Idaho | Community Bank | 4.0 | 3.5 | 4.0 | 82% |
| Zions Bank | Bank | 3.5 | 4.0 | 3.5 | 79% |
| Wells Fargo | Bank | 3.5 | 3.5 | 4.0 | 77% |
| Chase Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| KeyBank | Bank | 3.5 | 3.5 | 3.5 | 73% |
| First Interstate Bank | Bank | 3.0 | 3.5 | 3.5 | 71% |
Caldwell Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Caldwell’s area are Idaho Central Credit Union, D.L. Evans Bank and U.S. Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| D.L. Evans Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of Idaho | Community Bank | 4.0 | 3.5 | 4.0 | 82% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 80% |
| Zions Bank | Bank | 3.5 | 3.5 | 3.5 | 76% |
| Chase Bank | Bank | 3.5 | 3.5 | 3.5 | 74% |
Coeur d’Alene Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Coeur d’Alene’s area are Horizon Credit Union, Umpqua Bank and Bank of Idaho.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Horizon Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Umpqua Bank | Bank | 4.5 | 4.0 | 4.5 | 91% |
| Bank of Idaho | Community Bank | 4.0 | 4.5 | 4.0 | 89% |
| Stellar Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 87% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| First Interstate Bank | Bank | 3.5 | 4.0 | 3.5 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 4.0 | 80% |
Twin Falls Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Twin Falls’s area are Idaho Central Credit Union, D.L. Evans Bank and U.S. Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| D.L. Evans Bank | Community Bank | 4.5 | 4.0 | 4.5 | 90% |
| U.S. Bank | Bank | 4.0 | 4.5 | 4.0 | 88% |
| Bank of Idaho | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 82% |
| Zions Bank | Bank | 3.5 | 3.5 | 3.5 | 78% |
| Mountain America Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 76% |
Best Idaho Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Idaho are Rocket Mortgage, Better.com and LoanDepot.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100k-$3M | 5.5%-7.5% | 15-30 years | 5.0 | 4.5 | 4.5 | 93% |
| Better.com | $100k-$2M | 5.25%-7.25% | 10-30 years | 4.5 | 4.5 | 4.0 | 90% |
| LoanDepot | $50k-$3M | 5.75%-7.75% | 15-30 years | 4.5 | 4.0 | 4.0 | 88% |
| Guaranteed Rate | $100k-$2.5M | 5.5%-7.5% | 10-30 years | 4.0 | 4.5 | 4.0 | 87% |
| New American Funding | $50k-$3M | 5.25%-7.25% | 15-30 years | 4.0 | 4.0 | 4.5 | 86% |
| PennyMac | $100k-$2M | 5.75%-7.75% | 15-30 years | 4.0 | 4.0 | 4.0 | 84% |
| Freedom Mortgage | $50k-$1.5M | 5.5%-7.5% | 15-30 years | 3.5 | 4.0 | 3.5 | 82% |
| Fairway Independent Mortgage | $100k-$2M | 5.25%-7.25% | 15-30 years | 3.5 | 3.5 | 4.0 | 80% |
| Caliber Home Loans | $50k-$3M | 5.75%-7.75% | 15-30 years | 3.5 | 3.5 | 3.5 | 78% |
| Mr. Cooper | $100k-$2M | 5.5%-7.5% | 15-30 years | 3.0 | 3.5 | 3.5 | 76% |
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