Top Mortgage Lenders in the Fruitland, ID area

Which mortgage lender in the Fruitland, ID area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Fruitland, ID area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Fruitland, ID area is Idaho Central Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.07%. This means that Idaho Central Credit Union provided a -0.07% lower interest rate for its customers than other lenders in Fruitland, ID for a similar set of borrowers. Idaho Central Credit Union has a market share of 5.7%. On the other hand, the most popular lender in the market is Academy Mortgage Corporation, with a market share of 28.2%. Academy Mortgage Corporation is an average rate lender in this area, with a “Rate Difference” of -0.04% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, 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 (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Academy Mortgage Corporation. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Fairway Independent Mort Corp. The cheapest VA mortgage provider is Academy Mortgage Corporation. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Idaho Central Credit Union 1, -0.07% 5.70%
Us Bank 2, -0.07% 7.12%
Academy Mortgage Corporation 3, -0.04% 28.16%
Umpqua Bank 4, -0.01% 5.38%
Fairway Independent Mort Corp 5, -0.01% 8.39%
Guild Mortgage Company 6, 0.02% 5.38%
Quicken Loans 7, 0.03% 15.82%
First Colony Mortgage Corporation 8, 0.06% 18.99%
Movement Mortgage 9, 0.06% 5.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.13% 6.31%
Idaho Central Credit Union 2, -0.09% 6.07%
Academy Mortgage Corporation 3, -0.03% 34.81%
Fairway Independent Mort Corp 4, -0.01% 10.98%
Umpqua Bank 5, -0.00% 4.91%
Quicken Loans 6, 0.02% 5.14%
Guild Mortgage Company 7, 0.05% 5.14%
Movement Mortgage 8, 0.08% 5.61%
First Colony Mortgage Corporation 9, 0.09% 21.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Academy Mortgage Corporation 1, -0.05% 14.22%
Idaho Central Credit Union 2, -0.03% 4.90%
Guild Mortgage Company 3, -0.02% 5.88%
Umpqua Bank 4, -0.01% 6.37%
First Colony Mortgage Corporation 5, -0.01% 14.71%
Us Bank 6, 0.01% 8.82%
Movement Mortgage 7, 0.02% 3.92%
Quicken Loans 8, 0.02% 38.24%
Fairway Independent Mort Corp 9, 0.03% 2.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Idaho Central Credit Union 1, -0.08% 7.01%
Us Bank 2, -0.07% 9.81%
Academy Mortgage Corporation 3, -0.04% 29.44%
Umpqua Bank 4, -0.00% 4.91%
Fairway Independent Mort Corp 5, 0.01% 7.94%
Quicken Loans 6, 0.04% 14.95%
Guild Mortgage Company 7, 0.05% 4.91%
First Colony Mortgage Corporation 8, 0.07% 16.12%
Movement Mortgage 9, 0.10% 4.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.14% 8.54%
Idaho Central Credit Union 2, -0.10% 7.83%
Academy Mortgage Corporation 3, -0.04% 36.30%
Umpqua Bank 4, 0.01% 4.63%
Fairway Independent Mort Corp 5, 0.01% 10.32%
Quicken Loans 6, 0.03% 4.63%
Guild Mortgage Company 7, 0.08% 4.98%
First Colony Mortgage Corporation 8, 0.11% 16.37%
Movement Mortgage 9, 0.12% 6.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Academy Mortgage Corporation 1, -0.06% 16.33%
Idaho Central Credit Union 2, -0.04% 5.44%
First Colony Mortgage Corporation 3, -0.02% 15.65%
Umpqua Bank 4, -0.02% 5.44%
Guild Mortgage Company 5, -0.01% 4.76%
Us Bank 6, 0.01% 12.24%
Fairway Independent Mort Corp 7, 0.03% 3.40%
Quicken Loans 8, 0.04% 34.69%
Movement Mortgage 9, 0.04% 2.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.05% 10.07%
Guild Mortgage Company 2, -0.03% 6.47%
Idaho Central Credit Union 3, -0.02% 1.44%
Umpqua Bank 4, -0.02% 7.19%
Movement Mortgage 5, -0.02% 4.32%
Us Bank 6, -0.01% 0.72%
Academy Mortgage Corporation 7, -0.01% 25.18%
Quicken Loans 8, 0.00% 18.71%
First Colony Mortgage Corporation 9, 0.04% 25.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.05% 12.38%
Guild Mortgage Company 2, -0.03% 4.76%
Umpqua Bank 3, -0.02% 6.67%
Idaho Central Credit Union 4, -0.02% 1.90%
Movement Mortgage 5, -0.02% 4.76%
Us Bank 6, -0.02% 0.95%
Academy Mortgage Corporation 7, -0.01% 32.38%
Quicken Loans 8, 0.02% 5.71%
First Colony Mortgage Corporation 9, 0.05% 30.48%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guild Mortgage Company 1, -0.02% 11.76%
Academy Mortgage Corporation 2, -0.01% 2.94%
Umpqua Bank 3, -0.00% 8.82%
Quicken Loans 4, 0.00% 58.82%
Fairway Independent Mort Corp 5, 0.01% 2.94%
First Colony Mortgage Corporation 6, 0.01% 11.76%
Movement Mortgage 7, 0.01% 2.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Academy Mortgage Corporation 1, 0.00% 100.00%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Academy Mortgage Corporation 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Academy Mortgage Corporation 1, -0.03% 25.00%
Idaho Central Credit Union 2, -0.02% 6.25%
Guild Mortgage Company 3, -0.01% 6.25%
Umpqua Bank 4, -0.01% 4.69%
Quicken Loans 5, -0.01% 15.62%
Fairway Independent Mort Corp 6, -0.01% 7.81%
Us Bank 7, -0.00% 3.12%
Movement Mortgage 8, 0.00% 7.81%
First Colony Mortgage Corporation 9, 0.05% 23.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Academy Mortgage Corporation 1, -0.04% 30.95%
Idaho Central Credit Union 2, -0.02% 4.76%
Movement Mortgage 3, -0.01% 2.38%
Guild Mortgage Company 4, -0.01% 7.14%
Fairway Independent Mort Corp 5, -0.01% 11.90%
Umpqua Bank 6, -0.01% 2.38%
Us Bank 7, -0.01% 4.76%
Quicken Loans 8, -0.01% 7.14%
First Colony Mortgage Corporation 9, 0.06% 28.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Idaho Central Credit Union 1, -0.01% 9.09%
Guild Mortgage Company 2, -0.01% 4.55%
Academy Mortgage Corporation 3, -0.01% 13.64%
Umpqua Bank 4, -0.00% 9.09%
Quicken Loans 5, -0.00% 31.82%
First Colony Mortgage Corporation 6, 0.01% 13.64%
Movement Mortgage 7, 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 for the data comes from 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 based on the MSA, 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.

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