Mortgage lending in Pocatello, ID
2,399 mortgages were originated in the Pocatello, 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
- 2,399
- Median rate
- 6.625%
- Median lender fees
- $6,790
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
- $215,000
- Above the going rate (spread over APOR)
- 0.160
- Paid discount points
- 35.7%
- Received lender credits
- 13.4%
- Purchases / refinances
- 50.7% / 30%
- Conventional / FHA / VA
- 78% / 15% / 7%
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 61.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Pocatello, ID area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Idaho Central Credit Union | 615 | $5,473 | 7.000% |
| United Shore Financial Services, LLC | 147 | $6,835 | 6.084% |
| First Colony Mortgage Corporation | 137 | $8,746 | 6.375% |
| Glacier Bank | 127 | $7,240 | 6.750% |
| Rocket Mortgage, LLC | 126 | $5,424 | 6.750% |
| Mountain America Federal Credit Union | 119 | $2,570 | 7.240% |
| Premier Mortgage Resources, L.L.C. | 90 | — | 6.500% |
| Connections Credit Union | 80 | — | 6.750% |
| American Pacific Mortgage Corporation | 68 | — | 6.688% |
| Van Dyk Mortgage Corporation | 58 | $11,147 | 6.313% |