Mortgage Lenders and Brokers in Challis, Idaho
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Challis, Idaho mortgage lenders include Idaho Central Credit UnionIdaho Central Credit Union246 Idaho St, American Falls, ID 83211 1236A+5.0 ★Texas Ratio: 4.55%, US Bank, N.A.US Bank, N.A.9 S Ash St, Blackfoot, ID 83221A+5.0 ★Texas Ratio: 2.85%, Westmark Credit UnionWestmark Credit Union575 Jensen Grove Dr, Blackfoot, ID 83221 1682A+5.0 ★Texas Ratio: 3.04%, D. L. Evans BankD. L. Evans Bank200 W Market St, Albion, ID 83311A+5.0 ★Texas Ratio: 1.13%, Glacier BankGlacier Bank2797 S 25th E, Ammon, ID 83406A+5.0 ★Texas Ratio: 1.87%, Frontier Credit UnionFrontier Credit Union493 S US 93 HWY, Challis, ID 83226A+5.0 ★Texas Ratio: 5.41%, The Bank of CommerceThe Bank of Commerce590 Tyhee Ave, American Falls, ID 83211A5.0 ★Texas Ratio: 6.88%, Wells Fargo Bank NAWells Fargo Bank NA165 S Main St, Aberdeen, ID 83210A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA9140 W Emerald St, Boise, ID 83704A+5.0 ★Texas Ratio: 3.54%, and Rails West FCURails West FCU4708 Yellowstone Ave, Chubbuck, ID 83202 2336A+5.0 ★Texas Ratio: 1.13%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Challis, Idaho in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Challis are listed first, then lenders elsewhere in Idaho, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Challis, Idaho
Market share is the lender's share of all home loans closed in Challis, Idaho. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 5 stars, 1 review 246 Idaho St, American Falls, ID 83211 1236 A+5.0 ★Texas Ratio: 4.55% |
Conventional, HELOC | 3 +4 HELOCs |
4.1% | 100% | $228,333 | View |
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9 S Ash St, Blackfoot, ID 83221 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +1 HELOCs |
4.1% | 42.9% | $118,333 | View |
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575 Jensen Grove Dr, Blackfoot, ID 83221 1682 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 2 | 2.7% | 100% | $205,000 | View |
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200 W Market St, Albion, ID 83311 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 2 | 2.7% | 100% | $815,000 | View |
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2797 S 25th E, Ammon, ID 83406 A+5.0 ★Texas Ratio: 1.87% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $105,000 | View |
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493 S US 93 HWY, Challis, ID 83226 A+5.0 ★Texas Ratio: 5.41% |
Conventional | 1 | 1.4% | 50% | $175,000 | View |
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590 Tyhee Ave, American Falls, ID 83211 A5.0 ★Texas Ratio: 6.88% |
Conventional | 1 | 1.4% | 100% | $225,000 | View |
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165 S Main St, Aberdeen, ID 83210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.4% | 100% | $195,000 | View |
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9140 W Emerald St, Boise, ID 83704 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4708 Yellowstone Ave, Chubbuck, ID 83202 2336 A+5.0 ★Texas Ratio: 1.13% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 1.4% | 100% | $285,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA, USDA | 9 | 12.2% | 90% | $272,777 | |
Rocket Mortgage
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Conventional, VA | 8 | 10.8% | 75% | $230,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 5 | 6.8% | 83.3% | $313,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA | 4 | 5.4% | 100% | $162,500 | |
Nationstar Mortgage
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Conventional, VA | 3 | 4.1% | 100% | $135,000 | |
Mortgage Research Center
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Conventional, VA | 3 | 4.1% | 60% | $165,000 | |
MortgageOne, Inc
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FHA, VA | 2 | 2.7% | 100% | $365,000 | |
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A5.0 ★Texas Ratio: 9.78% |
Conventional | 2 | 2.7% | 100% | $605,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 2 | 2.7% | 100% | $135,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $85,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.4% | 100% | $375,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1.4% | 100% | $395,000 | |
Newrez LLC
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Conventional | 1 | 1.4% | 50% | $315,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.4% | 100% | $255,000 | |
Kind Lending, LLC
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VA, Jumbo | 1 | 1.4% | 100% | $1,095,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 1.4% | 100% | $345,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 1.4% | 100% | $135,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 1.4% | 100% | $265,000 | View |
Synergy One Lending, Inc.
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VA | 1 | 1.4% | 100% | $495,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.4% | 100% | $215,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1.4% | 100% | $445,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 1.4% | 100% | $105,000 | |
Pivot Financial Partners, Inc
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Conventional | 1 | 1.4% | 100% | $225,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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Conventional | 1 | 1.4% | 100% | $265,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 1.4% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 2.91% |
Conventional, Jumbo | 1 | 1.4% | 100% | $895,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 1.4% | 100% | $235,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 1.4% | 100% | $405,000 | View |
Nations Direct Mortgage, LLC
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Conventional | 1 | 1.4% | 100% | $245,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 1.4% | 100% | $305,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.33% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Challis Mortgage Rate Trends
Daily average mortgage rates for Idaho compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Challis, Idaho
Looking for mortgage lenders near me or mortgage brokers near me in Challis? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Challis in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Challis, ID
Use these to narrow the list above. Each category shows how many Challis, ID lenders fit and what that kind of lender is usually best for.
Who Lends in Challis, ID
Independent mortgage companies closed 66.2 percent of home loans in Challis, Idaho in 2025, banks 21.6 percent and credit unions 12.2 percent. Premier Mortgage Resources, LLC was the largest mortgage company, US Bank, N.A. the largest bank and Idaho Central Credit Union the largest credit union. Among lenders headquartered in Idaho, Idaho Central Credit Union led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Idaho. None
More Idaho Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Challis, ID
By home loans closed in 2025, Idaho Central Credit Union was the largest mortgage lender in Challis, Idaho with 3 loans, about 4.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Challis, Idaho in 2025, led by United Wholesale Mortgage with 2. 9 lenders closed VA loans, led by Rocket Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 11 banks and 7 credit unions closed home loans in Challis, Idaho in 2025, alongside 26 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Challis, Idaho during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Challis, Idaho for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Challis. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
