Mortgage lending in Bonneville County
3,705 mortgages were originated in Bonneville County, Idaho, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,705
- Median rate
- 6.625%
- Median lender fees
- $7,517
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $255,000
- Above the going rate (spread over APOR)
- 0.139
- Paid discount points
- 36.9%
- Received lender credits
- 13.6%
- Purchases / refinances
- 51.3% / 26.4%
- Conventional / FHA / VA
- 77.9% / 14.8% / 7.2%
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 67.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $410,000
- That home, 20% down
- $328,000
A median-priced home with 20% down leaves $504,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Bonneville County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Idaho Central Credit Union | 651 | $5,467 | 7.000% |
| WESTMARK Credit Union | 295 | — | 6.990% |
| Eagle Bank and Trust Company | 275 | $8,780 | 6.250% |
| Rocket Mortgage, LLC | 211 | $6,768 | 6.500% |
| Mountain America Federal Credit Union | 179 | $880 | 7.375% |
| United Shore Financial Services, LLC | 168 | $9,735 | 6.125% |
| Canopy Mortgage, LLC | 155 | $9,452 | 6.375% |
| Beehive | 84 | — | 7.250% |
| Highlands Residential Mortgage, Ltd. | 75 | $11,092 | 6.490% |
| EAST IDAHO Credit Union | 73 | $6,982 | 6.225% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Bonneville County — not a rule of thumb.
From 2,509 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers