Lowest closing cost mortgage lenders in Kootenai County County, Idaho
In Kootenai County, Idaho, homebuyers paid a median of $9,047 in closing costs in 2024 — above the Idaho median of $8,726. The county saw 2,038 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, JPMorgan Chase Bank, National Association offered the lowest median costs at $4,100, which is $3,601 less than the county median.
Homebuyers in Kootenai County County who chose JPMorgan Chase Bank, National Association paid $4,947 less in closing costs than the county median.
County Median Costs
$9,047
+3.7% vs Idaho ($8,726)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$4,999
Purchase Originations
2,038
vs Idaho Median
3.7% above
$321
vs National Median
34.2% above
$2,306
Lender rankings in Kootenai County County
28 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,100 | 6.558% | $1,474 | 16 | −$3,601 | |
| 2 | $4,479 | 5.625% | $1,594 | 50 | −$3,222 | |
| 3 | $5,272 | 6.625% | $1,598 | 21 | −$2,429 | |
| 4 | $5,758 | 6.500% | $2,000 | 51 | −$1,943 | |
| 5 | $5,844 | 6.500% | $3,260 | 23 | −$1,857 | |
| 6 | $6,219 | 6.600% | $2,532 | 66 | −$1,482 | |
| 7 | $6,467 | 6.625% | $2,853 | 192 | −$1,234 | |
| 8 | $6,538 | 6.750% | $4,486 | 59 | −$1,163 | |
| 9 | $6,606 | 6.575% | $3,253 | 35 | −$1,095 | |
| 10 | $6,828 | 6.875% | $875 | 13 | −$873 | |
| 11 | $6,871 | 6.375% | $4,690 | 19 | −$830 | |
| 12 | $6,883 | 6.875% | $2,397 | 11 | −$818 | |
| 13 | $7,541 | 6.500% | $5,266 | 36 | −$160 | |
| 14 | $7,733 | 6.750% | $5,086 | 14 | +$32 | |
| 15 | $8,092 | 6.625% | $4,509 | 87 | +$391 | |
| 16 | $8,460 | 7.000% | $5,238 | 10 | +$758 | |
| 17 | $8,812 | 6.625% | $5,415 | 28 | +$1,111 | |
| 18 | $8,870 | 6.625% | $6,796 | 125 | +$1,169 | |
| 19 | $9,037 | 6.625% | $5,712 | 49 | +$1,336 | |
| 20 | $9,179 | 6.500% | $5,690 | 136 | +$1,478 | |
| 21 | $9,412 | 7.075% | $4,437 | 15 | +$1,711 | |
| 22 | $9,824 | 6.625% | $6,409 | 33 | +$2,123 | |
| 23 | $10,370 | 6.625% | $7,169 | 11 | +$2,669 | |
| 24 | $10,578 | 6.625% | $7,295 | 31 | +$2,876 | |
| 25 | $10,580 | 6.625% | $8,372 | 17 | +$2,879 | |
| 26 | $11,707 | 6.875% | $9,369 | 21 | +$4,006 |
Includes lenders with 10+ purchase originations in Kootenai 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.