IDAHO CENTRAL CREDIT UNION
10,608 mortgages originated in 2025 across 3 states, and what they cost borrowers.
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
- 10,608
- Median rate
- 7.000%
- Median lender fees
- $4,908
- Median loan amount
- $195,000
- Median spread over APOR
- -1.181
- Paid discount points
- 20.9%
- Received lender credits
- 4.5%
- Purchases / refinances
- 33% / 29.8%
- Conventional / FHA / VA
- 95.8% / 2.8% / 1.3%
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 42.8% of loans here — see methodology.
Where IDAHO CENTRAL CREDIT UNION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Idaho | 9,871 | $4,940 | 7.000% |
| Washington | 612 | $4,450 | 7.000% |
| Arizona | 83 | — | 7.000% |