Lowest closing cost mortgage lenders in Ada County County, Idaho
In Ada County, Idaho, homebuyers paid a median of $8,349 in closing costs in 2024 — below the Idaho median of $8,726. The county saw 6,114 purchase mortgages at a median rate of 6.49%. Among lenders with 10+ originations, HOMEAMERICAN MORTGAGE CORPORATION offered the lowest median costs at $820, which is $6,464 less than the county median.
Homebuyers in Ada County County who chose HOMEAMERICAN MORTGAGE CORPORATION paid $7,529 less in closing costs than the county median.
County Median Costs
$8,349
−4.3% vs Idaho ($8,726)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$4,140
Purchase Originations
6,114
vs Idaho Median
4.3% below
$-377
vs National Median
23.9% above
$1,608
Lender rankings in Ada County County
63 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $820 | 5.375% | $0 | 35 | −$6,464 | |
| 2 | $1,230 | 6.500% | $0 | 16 | −$6,054 | |
| 3 | $3,378 | 6.000% | $815 | 14 | −$3,906 | |
| 4 | $3,869 | 6.250% | $0 | 21 | −$3,415 | |
| 5 | $4,708 | 6.125% | $747 | 14 | −$2,576 | |
| 6 | $4,742 | 6.625% | $1,075 | 27 | −$2,542 | |
| 7 | $4,821 | 4.990% | $1,550 | 46 | −$2,463 | |
| 8 | $5,075 | 6.500% | $1,495 | 13 | −$2,209 | |
| 9 | $5,250 | 6.500% | $1,249 | 695 | −$2,034 | |
| 10 | $5,251 | 6.250% | $1,482 | 59 | −$2,033 | |
| 11 | $5,504 | 6.375% | $1,420 | 126 | −$1,780 | |
| 12 | $5,678 | 7.000% | $1,642 | 10 | −$1,606 | |
| 13 | $6,083 | 6.250% | $2,347 | 23 | −$1,201 | |
| 14 | $6,155 | 6.995% | $2,615 | 10 | −$1,129 | |
| 15 | $6,195 | 6.625% | $4,266 | 27 | −$1,089 | |
| 16 | $6,203 | 6.625% | $3,697 | 32 | −$1,081 | |
| 17 | $6,341 | 6.500% | $875 | 11 | −$943 | |
| 18 | $6,410 | 6.625% | $2,752 | 142 | −$874 | |
| 19 | $6,438 | 6.625% | $2,708 | 63 | −$846 | |
| 20 | $6,628 | 6.000% | $2,825 | 45 | −$656 | |
| 21 | $6,631 | 6.500% | $2,640 | 19 | −$653 | |
| 22 | $6,943 | 6.500% | $3,913 | 195 | −$341 | |
| 23 | $7,021 | 6.625% | $4,070 | 44 | −$263 | |
| 24 | $7,039 | 6.433% | $2,830 | 56 | −$245 | |
| 25 | $7,047 | 6.125% | $5,160 | 34 | −$237 | |
| 26 | $7,266 | 6.624% | $3,966 | 17 | −$18 | |
| 27 | $7,451 | 6.375% | $1,250 | 11 | +$167 | |
| 28 | $7,470 | 6.688% | $5,529 | 182 | +$186 | |
| 29 | $7,483 | 6.062% | $4,432 | 34 | +$199 | |
| 30 | $7,484 | 6.625% | $4,306 | 57 | +$200 | |
| 31 | $7,533 | 6.875% | $4,248 | 16 | +$249 | |
| 32 | $7,547 | 6.624% | $4,095 | 73 | +$263 | |
| 33 | $7,577 | 6.625% | $3,898 | 31 | +$293 | |
| 34 | $7,664 | 6.625% | $4,128 | 82 | +$380 | |
| 35 | $7,689 | 5.990% | $4,781 | 33 | +$405 | |
| 36 | $7,826 | 6.625% | $5,734 | 95 | +$542 | |
| 37 | $7,871 | 6.625% | $3,845 | 33 | +$587 | |
| 38 | $7,898 | 6.500% | $4,588 | 13 | +$614 | |
| 39 | $7,925 | 6.625% | $4,442 | 78 | +$641 | |
| 40 | $8,036 | 6.438% | $5,332 | 36 | +$752 | |
| 41 | $8,180 | 6.125% | $4,905 | 113 | +$896 | |
| 42 | $8,324 | 6.625% | $5,270 | 244 | +$1,040 | |
| 43 | $8,342 | 6.500% | $5,002 | 140 | +$1,058 | |
| 44 | $8,565 | 6.625% | $4,657 | 12 | +$1,281 | |
| 45 | $8,606 | 6.500% | $4,972 | 29 | +$1,322 | |
| 46 | $8,625 | 6.625% | $5,161 | 136 | +$1,341 | |
| 47 | $8,687 | 6.500% | $5,666 | 379 | +$1,403 | |
| 48 | $9,035 | 6.125% | $5,393 | 191 | +$1,751 | |
| 49 | $9,228 | 6.000% | $5,536 | 33 | +$1,944 | |
| 50 | $9,282 | 6.625% | $3,950 | 23 | +$1,998 | |
| 51 | $9,379 | 6.862% | $5,544 | 60 | +$2,095 | |
| 52 | $9,414 | 6.875% | $6,363 | 20 | +$2,130 | |
| 53 | $9,530 | 6.125% | $5,625 | 11 | +$2,246 | |
| 54 | $9,890 | 6.625% | $6,608 | 43 | +$2,606 | |
| 55 | $9,930 | 6.624% | $6,463 | 14 | +$2,646 | |
| 56 | $10,064 | 6.575% | $6,154 | 78 | +$2,780 | |
| 57 | $10,327 | 6.875% | $6,520 | 13 | +$3,043 | |
| 58 | $10,578 | 6.933% | $6,540 | 38 | +$3,294 | |
| 59 | $10,842 | 6.933% | $7,579 | 10 | +$3,558 | |
| 60 | $10,981 | 6.250% | $7,581 | 23 | +$3,697 | |
| 61 | $13,664 | 6.990% | $9,114 | 37 | +$6,380 |
Includes lenders with 10+ purchase originations in Ada County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Idaho → Lender Directory
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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.