Mortgage lending in Idaho Falls, ID
4,753 mortgages were originated in the Idaho Falls, 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
- 4,753
- Median rate
- 6.625%
- Median lender fees
- $7,543
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)
- 0.140
- Paid discount points
- 37.7%
- Received lender credits
- 14.1%
- Purchases / refinances
- 50.5% / 27%
- Conventional / FHA / VA
- 78.2% / 14.5% / 6.9%
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 68.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Idaho Falls, ID area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Idaho Central Credit Union | 833 | $5,503 | 7.000% |
| WESTMARK Credit Union | 348 | — | 6.990% |
| Eagle Bank and Trust Company | 327 | $8,924 | 6.250% |
| Rocket Mortgage, LLC | 301 | $7,144 | 6.500% |
| United Shore Financial Services, LLC | 226 | $9,534 | 6.125% |
| Mountain America Federal Credit Union | 213 | $675 | 7.240% |
| Canopy Mortgage, LLC | 208 | $9,441 | 6.375% |
| Beehive | 154 | — | 7.250% |
| Highlands Residential Mortgage, Ltd. | 102 | $12,233 | 6.490% |
| EAST IDAHO Credit Union | 90 | $7,046 | 6.200% |