Mortgage lending in Kootenai County
5,879 mortgages were originated in Kootenai 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
- 5,879
- Median rate
- 6.750%
- Median lender fees
- $7,512
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
- $335,000
- Above the going rate (spread over APOR)
- 0.217
- Paid discount points
- 42.3%
- Received lender credits
- 20.4%
- Purchases / refinances
- 48.1% / 30.6%
- Conventional / FHA / VA
- 82.3% / 8.8% / 8.8%
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 66.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $572,700
- Median home price
- $498,000
- That home, 20% down
- $398,400
A median-priced home with 20% down leaves $434,350 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 Kootenai County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Idaho Central Credit Union | 853 | $5,897 | 7.000% |
| Glacier Bank | 321 | $10,962 | 6.500% |
| Rocket Mortgage, LLC | 307 | $4,912 | 6.990% |
| United Shore Financial Services, LLC | 305 | $8,211 | 6.168% |
| Spokane Teachers | 270 | $5,268 | 7.740% |
| Loandepot.Com, LLC | 235 | $9,620 | 6.125% |
| Willamette Valley Bank | 195 | $10,034 | 6.375% |
| Numerica Credit Union | 192 | — | 7.750% |
| CMG Mortgage, Inc. | 176 | $8,347 | 6.625% |
| Guaranteed Rate, Inc. | 150 | $7,737 | 6.624% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Kootenai County — not a rule of thumb.
From 3,925 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