Mortgage lending in Bingham County
1,166 mortgages were originated in Bingham County, Idaho, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,166
- Median rate
- 6.625%
- Median lender fees
- $7,202
- Median loan amount
- $215,000
- Median spread over APOR
- 0.146
- Paid discount points
- 40%
- Received lender credits
- 13.3%
- Purchases / refinances
- 46.8% / 32.1%
- Conventional / FHA / VA
- 75% / 16.1% / 7.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Bingham County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 275 | $6,607 | 7.000% |
| Rocket Mortgage, LLC | 88 | $6,032 | 6.500% |
| WESTMARK Credit Union | 64 | — | 6.990% |
| CANOPY MORTGAGE, LLC | 51 | $8,073 | 6.375% |
| Eagle Bank and Trust Company | 50 | — | 6.375% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Bingham County — not a rule of thumb.
From 765 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers