Lowest closing cost mortgage lenders in Gem County County, Idaho
In Gem County, Idaho, homebuyers paid a median of $8,524 in closing costs in 2024 — below the Idaho median of $8,726. The county saw 193 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, TOLL BROTHERS MORTGAGE COMPANY offered the lowest median costs at $7,352.
Homebuyers in Gem County County who chose TOLL BROTHERS MORTGAGE COMPANY paid $1,172 less in closing costs than the county median.
County Median Costs
$8,524
−2.3% vs Idaho ($8,726)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$4,155
Purchase Originations
193
vs Idaho Median
2.3% below
$-202
vs National Median
26.4% above
$1,783
Lender rankings in Gem County County
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,352 | 5.750% | $3,949 | 13 | +$0 | |
| 2 | $7,791 | 6.990% | $5,064 | 10 | +$439 | |
| 3 | $8,172 | 6.500% | $5,249 | 11 | +$820 |
Includes lenders with 10+ purchase originations in Gem 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.