What are the average closing costs in Jefferson County County?

In Jefferson County County, the median total loan costs on purchase mortgages were $8,450 in 2024, based on 294 originations.

Which lender has the lowest closing costs in Jefferson County County?

Among lenders with 10+ originations in Jefferson County County, IDAHO CENTRAL CREDIT UNION had the lowest median total closing costs at $7,059 in 2024.

How do closing costs in Jefferson County County compare to Idaho?

Jefferson County County closing costs (median $8,450) are 3.2% below the Idaho state median of $8,726.

Lowest closing cost mortgage lenders in Jefferson County County, Idaho

In Jefferson County, Idaho, homebuyers paid a median of $8,450 in closing costs in 2024 — below the Idaho median of $8,726. The county saw 294 purchase mortgages at a median rate of 6.49%. Among lenders with 10+ originations, IDAHO CENTRAL CREDIT UNION offered the lowest median costs at $7,059, which is $621 less than the county median.

Homebuyers in Jefferson County County who chose IDAHO CENTRAL CREDIT UNION paid $1,391 less in closing costs than the county median.

County Median Costs

$8,450

−3.2% vs Idaho ($8,726)

Median Rate

6.490%

−2.0% vs national (6.620%)

Median Origination

$4,275

Purchase Originations

294

vs Idaho Median

3.2% below

$-276

vs National Median

25.4% above

$1,709

Lender rankings in Jefferson County County

6 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	IDAHO CENTRAL CREDIT UNION	$7,059	6.500%	$3,706	32	−$621
2	FIRST COLONY MORTGAGE CORPORATION	$7,151	6.625%	$4,010	11	−$529
3	Eagle Bank and Trust Company	$7,341	6.500%	$4,070	16	−$339
4	Synergy One Lending, Inc.	$7,815	6.562%	$4,532	10	+$135
5	ROCKET MORTGAGE, LLC	$8,348	6.750%	$4,477	36	+$668
6	CANOPY MORTGAGE, LLC	$9,040	6.500%	$4,794	12	+$1,360

Includes lenders with 10+ purchase originations in Jefferson 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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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.