Lowest closing cost mortgage lenders in Bonner County County, Idaho
In Bonner County, Idaho, homebuyers paid a median of $9,503 in closing costs in 2024 — above the Idaho median of $8,726. The county saw 402 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, IDAHO CENTRAL CREDIT UNION offered the lowest median costs at $5,640, which is $3,343 less than the county median.
Homebuyers in Bonner County County who chose IDAHO CENTRAL CREDIT UNION paid $3,863 less in closing costs than the county median.
County Median Costs
$9,503
+8.9% vs Idaho ($8,726)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$4,984
Purchase Originations
402
vs Idaho Median
8.9% above
$777
vs National Median
41.0% above
$2,762
Lender rankings in Bonner County County
7 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,640 | 6.500% | $2,386 | 13 | −$3,343 | |
| 2 | $8,586 | 6.625% | $4,915 | 16 | −$397 | |
| 3 | $8,958 | 6.812% | $6,760 | 24 | −$25 | |
| 4 | $9,136 | 6.875% | $5,981 | 23 | +$153 | |
| 5 | $9,487 | 6.870% | $5,352 | 10 | +$504 | |
| 6 | $9,824 | 6.437% | $5,456 | 14 | +$841 | |
| 7 | $11,357 | 7.000% | $6,928 | 31 | +$2,374 |
Includes lenders with 10+ purchase originations in Bonner 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.