Homebuyers in Gem County County who chose IDAHO CENTRAL CREDIT UNION paid $3,701 less in closing costs than the county median.
County Median Costs
$8,141
−6.9% vs Idaho ($8,741)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$3,466
Purchase Originations
236
Denial Rate
7.4%
vs Idaho avg (5.4%)
vs Idaho Median
6.9% below
$-600
vs National Median
21.9% above
$1,461
3 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,440 | 6.250% | $899 | 20 | −$2,124 | |
| 2 | $6,923 | 6.502% | $2,267 | 18 | +$358 | |
| 3 | $7,385 | 6.625% | $4,141 | 17 | +$820 |
Includes lenders with 10+ purchase originations in Gem County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Idaho → Lender Directory
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Data source: HMDA Modified Loan Application Register 2025, 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.