Mortgage lending in Bonner County
1,602 mortgages were originated in Bonner 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
- 1,602
- Median rate
- 6.875%
- Median lender fees
- $7,726
- Median loan amount
- $325,000
- Median spread over APOR
- 0.332
- Paid discount points
- 38.6%
- Received lender credits
- 20.8%
- Purchases / refinances
- 41.2% / 34.5%
- Conventional / FHA / VA
- 84.1% / 7.2% / 8.6%
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 64.8% 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 Bonner County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Glacier Bank | 117 | $10,351 | 7.375% |
| IDAHO CENTRAL CREDIT UNION | 105 | $5,027 | 7.000% |
| Rocket Mortgage, LLC | 88 | $6,082 | 6.813% |
| SPOKANE TEACHERS | 84 | — | 6.625% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 83 | $9,122 | 6.625% |
| CMG MORTGAGE, INC. | 66 | — | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 66 | $8,862 | 6.479% |
| Washington Trust Bank | 62 | — | 7.500% |
| Potlatch No. 1 Financial Credit Union | 53 | — | 7.500% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Bonner County — not a rule of thumb.
From 1,038 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