Mortgage lending in Boise City, ID
26,087 mortgages were originated in the Boise City, ID area in 2025, and here is what they cost.
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
- 26,087
- Median rate
- 6.625%
- Median lender fees
- $7,161
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
- $315,000
- Above the going rate (spread over APOR)
- 0.063
- Paid discount points
- 44.7%
- Received lender credits
- 16.3%
- Purchases / refinances
- 55.3% / 25.7%
- Conventional / FHA / VA
- 78.8% / 12.5% / 8.5%
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 67.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Boise City, ID area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Idaho Central Credit Union | 5,168 | $4,557 | 7.000% |
| Rocket Mortgage, LLC | 1,577 | $5,772 | 6.625% |
| United Shore Financial Services, LLC | 1,380 | $8,686 | 6.123% |
| Guild Mortgage Company | 1,074 | $8,951 | 6.375% |
| Premier Mortgage Resources, L.L.C. | 882 | $11,629 | 5.990% |
| Loandepot.Com, LLC | 563 | $9,570 | 6.500% |
| U.S. Bank National Association | 560 | $4,834 | 7.375% |
| Toll Brothers Mortgage Company | 529 | $8,868 | 6.000% |
| Movement Mortgage, LLC | 485 | $8,530 | 6.500% |
| Fairway Independent Mortgage Corporation | 469 | $9,644 | 6.490% |