Mortgage Lenders and Brokers in Garden City, 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
Garden City, Idaho mortgage lenders include First Interstate BankFirst Interstate Bank4128 Adams St, Garden City, ID 83714A+5.0 ★Texas Ratio: 4.72%, Washington Trust BankWashington Trust Bank7309 W State St, Garden City, ID 83714A+5.0 ★Texas Ratio: 4.63%, 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%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1711 S 25th E, Ammon, ID 83406A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA165 S Main St, Aberdeen, ID 83210A+5.0 ★Texas Ratio: 5.36%, Keybank National AssociationKeybank National Association15 N Ash St, Blackfoot, ID 83221A+5.0 ★Texas Ratio: 4.81%, Bank of America NABank of America NA8521 W Franklin Rd, Boise, ID 83709A+5.0 ★Texas Ratio: 4.14%, Pioneer Federal Credit UnionPioneer Federal Credit Union8100 W Emerald St, Boise, ID 83704A5.0 ★Texas Ratio: 7.01%, and Connections Credit UnionConnections Credit Union249 N 9th St, Boise, ID 83702 5710A5.0 ★Texas Ratio: 11.80%. 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 Garden City, Idaho in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garden City 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 Garden City, Idaho
Market share is the lender's share of all home loans closed in Garden City, 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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★ 1 stars, 1 review 1 office in Garden City 4128 Adams St, Garden City, ID 83714 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 2 +5 HELOCs |
1% | 100% | $400,000 | View |
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1 office in Garden City 7309 W State St, Garden City, ID 83714 A+5.0 ★Texas Ratio: 4.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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, VA, Jumbo, HELOC | 41 +43 HELOCs |
19.9% | 90.7% | $446,463 | View |
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9 S Ash St, Blackfoot, ID 83221 A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +6 HELOCs |
1.5% | 100% | $581,666 | View |
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1711 S 25th E, Ammon, ID 83406 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.5% | 100% | $601,666 | View |
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165 S Main St, Aberdeen, ID 83210 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1% | 100% | $670,000 | View |
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15 N Ash St, Blackfoot, ID 83221 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $265,000 | View |
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8521 W Franklin Rd, Boise, ID 83709 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $515,000 | View |
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8100 W Emerald St, Boise, ID 83704 A5.0 ★Texas Ratio: 7.01% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $635,000 | View |
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249 N 9th St, Boise, ID 83702 5710 A5.0 ★Texas Ratio: 11.80% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
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200 W Market St, Albion, ID 83311 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 1 | 0.5% | 50% | $115,000 | View |
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2797 S 25th E, Ammon, ID 83406 A+5.0 ★Texas Ratio: 1.87% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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190 N 8th Street, Boise, ID 83702 A+5.0 ★Texas Ratio: 2.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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950 W Bannock St, Boise, ID 83702 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 10 | 4.9% | 100% | $371,000 | |
Capital Educators Fed CU
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Conventional | 7 | 3.4% | 70% | $243,571 | |
First Federal Savings Bank
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Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1% | 100% | $660,000 | |
Bluebird Home Loans LLC
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Conventional | 2 | 1% | 100% | $295,000 | |
Rocket Mortgage
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Conventional, FHA | 22 | 10.7% | 88% | $305,909 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 11 +1 HELOCs |
5.3% | 78.6% | $571,363 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 7 | 3.4% | 100% | $636,428 | |
Guaranteed Rate, Inc.
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Conventional | 5 | 2.4% | 100% | $399,000 | |
Synergy One Lending, Inc.
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Conventional | 5 | 2.4% | 100% | $365,000 | |
Guild Mortgage Company
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Conventional, FHA | 5 | 2.4% | 100% | $339,000 | |
Nationstar Mortgage
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Conventional | 5 | 2.4% | 83.3% | $79,000 | |
The Loan Store, Inc
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Conventional | 5 | 2.4% | 100% | $361,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 4 | 1.9% | 100% | $402,500 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 4 | 1.9% | 100% | $535,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo | 3 | 1.5% | 75% | $891,666 | |
loanDepot.com LLC
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Conventional | 3 | 1.5% | 50% | $425,000 | |
JMJ Financial Group Inc.
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Conventional, Jumbo | 3 | 1.5% | 100% | $581,666 | |
Evergreen Moneysource Mortgage Company
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Conventional | 3 | 1.5% | 100% | $271,666 | |
American Pacific Mortgage Corporation
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Conventional, VA | 3 | 1.5% | 100% | $391,666 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional, VA | 3 | 1.5% | 100% | $405,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 1.5% | 75% | $365,000 | |
21St Mortgage
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Conventional | 3 | 1.5% | 50% | $115,000 | |
Kind Lending, LLC
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Conventional, Jumbo | 2 | 1% | 100% | $1,045,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1% | 83.3% | $105,000 | |
Summit Mortgage Corporation
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Conventional | 2 | 1% | 100% | $405,000 | |
Navy Federal Credit Union
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Conventional, VA | 2 | 1% | 100% | $310,000 | |
First Technology Federal Credit Union
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Conventional | 2 | 1% | 100% | $170,000 | |
Horizon Credit Union
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Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
Alameda Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.5% | 100% | $785,000 | View |
Nbkc Bank
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Conventional | 1 | 0.5% | 100% | $665,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.5% | 100% | $85,000 | |
Weichert Financial Services
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Franklin Loan Corporation
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Conventional | 1 | 0.5% | 100% | $445,000 | |
Waterstone Mortgage Corporation
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VA | 1 | 0.5% | 100% | $465,000 | |
Castle & Cooke Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $405,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Rogue Credit Union
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Conventional | 1 | 0.5% | 100% | $65,000 | |
Mortgage Research Center
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VA, Jumbo | 1 | 0.5% | 25% | $945,000 | |
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A5.0 ★Texas Ratio: 8.33% |
Conventional | 1 | 0.5% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 0.89% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,325,000 | View |
Keystone Funding, Inc
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Conventional | 1 | 0.5% | 100% | $765,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.5% | 100% | $115,000 | |
Lower, LLC
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Conventional | 1 | 0.5% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $515,000 | View |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.5% | 100% | $495,000 | |
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A5.0 ★Texas Ratio: 10.59% |
Conventional, Jumbo | 1 | 0.5% | 100% | $965,000 | View |
Cmg Mortgage Inc
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HELOC | 0 +2 HELOCs |
0% | 50% | ||
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A5.0 ★Texas Ratio: 9.78% |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 5.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Credit Union of Colorado, A Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Garden City 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 Garden City, Idaho
Looking for mortgage lenders near me or mortgage brokers near me in Garden City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garden City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garden City, ID
Use these to narrow the list above. Each category shows how many Garden City, ID lenders fit and what that kind of lender is usually best for.
Who Lends in Garden City, ID
Independent mortgage companies closed 60.2 percent of home loans in Garden City, Idaho in 2025, banks 11.2 percent and credit unions 28.6 percent. Premier Mortgage Resources, LLC was the largest mortgage company, First Interstate Bank the largest bank and Idaho Central Credit Union the largest credit union. Among lenders headquartered in Idaho, Idaho Central Credit Union led with 41 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 Garden City, ID
By home loans closed in 2025, First Interstate Bank was the largest mortgage lender in Garden City, Idaho with 2 loans, about 1 percent of the market. The largest lender headquartered in Idaho was Idaho Central Credit Union with 41 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Garden City, Idaho in 2025, led by Premier Mortgage Resources, LLC with 5. 10 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 19 banks and 14 credit unions closed home loans in Garden City, Idaho in 2025, alongside 36 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 Garden City, 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 Garden City, 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 Garden City. 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.
