Mortgage lender closing cost rankings in Idaho (2024)
In Idaho, homebuyers paid a median of $8,726 in total closing costs on purchase mortgages in 2024, which is above the national median of $6,741. The median interest rate was 6.49% across 19,841 purchase originations. The most active lender was IDAHO CENTRAL CREDIT UNION with 2,171 originations. The lowest-cost lender (with 50+ loans) was HOMEAMERICAN MORTGAGE CORPORATION at $2,567.
Median Total Costs
$8,726
+29.4% vs national ($6,741)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$4,324
Purchase Originations
19,841
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 13,404 | 6.624% | $7,311 |
| fha | 3,892 | 6.125% | $14,632 |
| va | 2,460 | 6.125% | $8,487 |
| usda | 85 | 6.125% | $9,814 |
Lowest closing cost lenders in Idaho
Ranked by median total loan costs among lenders with 50+ purchase originations in Idaho.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,567 | 5.250% | $0 | 105 | −$6,159 | |
| 2 | $3,831 | 6.000% | $0 | 119 | −$4,895 | |
| 3 | $5,162 | 6.375% | $1,521 | 120 | −$3,564 | |
| 4 | $5,228 | 4.990% | $1,550 | 252 | −$3,498 | |
| 5 | $5,639 | 6.438% | $3,175 | 82 | −$3,087 | |
| 6 | $5,658 | 6.500% | $2,000 | 79 | −$3,068 | |
| 7 | $5,944 | 6.250% | $0 | 336 | −$2,782 | |
| 8 | $6,037 | 6.375% | $2,056 | 56 | −$2,689 | |
| 9 | $6,086 | 6.500% | $2,015 | 321 | −$2,640 | |
| 10 | $6,265 | 6.188% | $3,240 | 50 | −$2,461 | |
| 11 | $6,591 | 6.500% | $2,750 | 2,171 | −$2,135 | |
| 12 | $6,940 | 6.875% | $945 | 76 | −$1,786 | |
| 13 | $7,039 | 6.500% | $2,881 | 332 | −$1,687 | |
| 14 | $7,115 | 6.562% | $4,544 | 54 | −$1,611 | |
| 15 | $7,199 | 6.125% | $4,095 | 60 | −$1,527 | |
| 16 | $7,256 | 6.375% | $3,864 | 190 | −$1,470 | |
| 17 | $7,468 | 6.312% | $1,309 | 56 | −$1,258 | |
| 18 | $7,610 | 6.562% | $3,028 | 50 | −$1,116 | |
| 19 | $7,701 | 6.250% | $4,654 | 174 | −$1,025 | |
| 20 | $7,799 | 6.500% | $3,650 | 86 | −$927 | |
| 21 | $7,869 | 6.625% | $4,142 | 317 | −$857 | |
| 22 | $7,905 | 6.500% | $3,824 | 93 | −$821 | |
| 23 | $8,013 | 6.125% | $4,304 | 238 | −$713 | |
| 24 | $8,016 | 6.250% | $2,716 | 138 | −$710 | |
| 25 | $8,042 | 6.500% | $3,240 | 61 | −$684 |
Includes lenders with 50+ purchase originations in Idaho. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Ada County
6,114 originations
Canyon County
3,634 originations
Kootenai County
2,038 originations
Bonneville County
1,350 originations
Twin Falls County
982 originations
Bannock County
816 originations
Bonner County
402 originations
Bingham County
337 originations
Nez Perce County
329 originations
Elmore County
324 originations
Jefferson County
294 originations
Latah County
268 originations
Payette County
261 originations
Madison County
211 originations
Gem County
193 originations
Jerome County
193 originations
Cassia County
182 originations
Minidoka County
166 originations
Shoshone County
139 originations
Blaine County
134 originations
Franklin County
122 originations
Teton County
118 originations
Boundary County
104 originations
See Idaho closing cost details, fee benchmarks, and county comparisons → Idaho Closing Costs Guide
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.