Idaho · Q1 2026
What Idaho borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 403 lenders.
Published 2026-04-29.
Idaho · headline
The gap between Idaho's lowest- and highest-cost ranked lenders in 2025 was $8,298 on a typical loan — borrowers using Premier Mortgage Resources, L.L.C. paid roughly 328% more than borrowers using Mountain America Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=37,234)
In 2025, 403 mortgage lenders originated 37,234 reportable loans in Idaho according to FFIEC HMDA data. The median borrower paid $7,042 in total loan costs. That is 66.0% above the national median across all 50 states and DC.
Idaho's median total loan cost was $7,042, 66.0% above the national median of $4,242. On a typical loan, that translates to roughly $2,800 more than borrowers paid in the average state.
Mountain America Federal Credit Union posted the lowest median total loan costs at $2,528, 64.1% below the Idaho median. Across the ranked lenders, 7 earned an A grade against peer averages and 3 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Idaho are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | $4,940 | $1,384 | 4,149 | A |
| 2 | Rocket Mortgage | $5,912 | $3,542 | 3,395 | A |
| 3 | United Wholesale Mortgage | $8,443 | $4,379 | 2,811 | B |
| 4 | Guild Mortgage | $8,906 | $5,172 | 1,638 | C |
| 5 | loanDepot.com, LLC | $8,336 | $4,683 | 1,033 | B |
| 6 | Premier Mortgage Resources, L.L.C. | $10,826 | $4,745 | 968 | F |
| 7 | U.S. Bank National Association | $4,845 | $2,160 | 719 | A |
| 8 | Movement Mortgage | $8,251 | $4,961 | 716 | B |
| 9 | Pennymac | $5,747 | $2,774 | 705 | A |
| 10 | CMG Financial | $7,389 | $3,577 | 592 | A |
Idaho median total loan cost
Idaho borrowers paid a median $7,042 in total loan costs in 2025, based on 37,234 HMDA-reported loans across 403 lenders.
FFIEC HMDA 2025
Lender spread in Idaho
In Idaho, the gap between Mountain America Federal Credit Union ($2,528 median) and Premier Mortgage Resources, L.L.C. ($10,826 median) was $8,298 on a typical 2025 loan.
FFIEC HMDA 2025
Idaho vs. national
Idaho closing costs ran 66.0% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Idaho was $3,431, with the typical lender clustering tightly around that figure. Discount points appeared on 63% of loans, with a median paid amount of $3,400 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 25% of loans, with a median credit of $510.
Avg $4,979
Median $3,400 when present
Median $510 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Idaho) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Idaho
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