Mortgage lending in Jefferson County
997 mortgages were originated in Jefferson 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
- 997
- Median rate
- 6.625%
- Median lender fees
- $8,007
- Median loan amount
- $265,000
- Median spread over APOR
- 0.127
- Paid discount points
- 40.4%
- Received lender credits
- 15.9%
- Purchases / refinances
- 46.9% / 29%
- Conventional / FHA / VA
- 79.4% / 12.7% / 6.2%
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 69.1% 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 Jefferson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 178 | $5,909 | 6.945% |
| Rocket Mortgage, LLC | 84 | $8,017 | 6.375% |
| BEEHIVE | 70 | — | 7.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 54 | $8,861 | 6.125% |
| Eagle Bank and Trust Company | 51 | — | 6.125% |
| WESTMARK Credit Union | 50 | — | 6.990% |
| CANOPY MORTGAGE, LLC | 50 | $9,665 | 6.375% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Jefferson County — not a rule of thumb.
From 689 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