Mortgage lending in Elmore County
958 mortgages were originated in Elmore 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
- 958
- Median rate
- 6.375%
- Median lender fees
- $7,467
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
- $275,000
- Above the going rate (spread over APOR)
- 0.035
- Paid discount points
- 51.8%
- Received lender credits
- 21.4%
- Purchases / refinances
- 53.8% / 30.5%
- Conventional / FHA / VA
- 49.5% / 12.6% / 37.5%
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 72.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $348,000
- That home, 20% down
- $278,400
A median-priced home with 20% down leaves $554,350 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 Elmore County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Premier Mortgage Resources, L.L.C. | 109 | $11,282 | 6.000% |
| Idaho Central Credit Union | 77 | — | 7.000% |
| Movement Mortgage, LLC | 76 | $8,254 | 6.375% |
| Mortgage Research Center, LLC | 65 | $6,899 | 6.125% |
| Pioneer Federal Credit Union | 60 | — | 7.750% |
| Rocket Mortgage, LLC | 59 | $6,077 | 6.375% |
| United Shore Financial Services, LLC | 58 | $6,720 | 5.989% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Elmore County — not a rule of thumb.
From 695 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