Idaho

Today's Idaho (ID) Mortgage Rates


eRates Mortgage
NMLS # 1071
State Lic # MBL-6051
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Sammamish Mortgage
NMLS # 118653
State Lic # MBL-8245
3.776% APR
3.750% RATE
0 Points
30 day lock
Fees: $795
Monthly Payment
$1,157.79

NEXT  

ConsumerDirect Mortgage, a division of First Bank
NMLS # 790396
State Lic # MBL-8245
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Sebonic Financial
NMLS # 66247
State Lic # MBL-8598
3.687% APR
3.625% RATE
0 Points
30 day lock
Fees: $1,912
Monthly Payment
$1,140.13

NEXT  

Flagstar Bank
NMLS # 417490
State Lic # MBL-8598
3.990% APR
3.990% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,192.10

NEXT  

Northpointe Bank
State Lic # MBL-8598
3.751% APR
3.750% RATE
0 Points
30 day lock
Fees: $25
Monthly Payment
$1,157.79

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


Idaho (ID) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 452,974
  • Application denied by financial institution: 162,501
  • Loan purchased by the institution: 154,244
  • Application withdrawn by applicant: 83,888
  • Application approved but not accepted: 48,887
  • File closed for incompleteness: 19,913
  • Preapproval request denied by financial institution: 141
  • Preapproval request approved but not accepted: 35

  • Refinancing: 540,104
  • Home purchase: 337,421
  • Home improvement: 45,058

  • Conventional: 687,744
  • FHA-insured: 162,965
  • VA-guaranteed: 52,935
  • FSA/RHS-guaranteed: 18,939

  • White: 749,467
  • Not applicable: 77,468
  • Information not provided by applicant in mail, Internet, or telephone application: 75,485
  • Asian: 8,541
  • American Indian or Alaska Native: 6,158
  • Black or African American: 3,003
  • Native Hawaiian or Other Pacific Islander: 2,461

  • Not Hispanic or Latino: 729,781
  • Not applicable: 77,577
  • Information not provided by applicant in mail, Internet, or telephone application: 74,388
  • Hispanic or Latino: 40,837

  • Male: 601,478
  • Female: 196,526
  • Not applicable: 77,480
  • Information not provided by applicant in mail, Internet, or telephone application: 47,099

  • Department of Housing and Urban Development: 234,348
  • Office of the Comptroller of the Currency: 194,071
  • Consumer Financial Protection Bureau: 177,990
  • Federal Deposit Insurance Corporation: 100,428
  • National Credit Union Administration: 85,009
  • Office of Thrift Supervision: 69,387
  • Federal Reserve System: 61,350

  • Ada County: 278,230
  • Canyon County: 111,326
  • Kootenai County: 101,137
  • Bonneville County: 62,009
  • Bannock County: 46,834
  • Twin Falls County: 34,434
  • Bonner County: 28,252
  • Nez Perce County: 21,097
  • Bingham County: 20,402
  • Jefferson County: 14,997
  • Blaine County: 14,891
  • Latah County: 14,121
  • Elmore County: 13,557
  • Payette County: 12,173
  • Madison County: 11,738
  • Valley County: 11,070
  • Gem County: 9,971
  • Jerome County: 8,507
  • Teton County: 8,298
  • Fremont County: 7,512
  • Cassia County: 6,878
  • Shoshone County: 6,851
  • Minidoka County: 6,416
  • Franklin County: 6,125
  • Boise County: 5,878
  • Idaho County: 5,449
  • Boundary County: 5,276
  • Gooding County: 5,016
  • Washington County: 4,562
  • Bear Lake County: 3,875
  • Owyhee County: 3,866
  • Benewah County: 3,504
  • Power County: 3,380
  • Unknown: 3,341
  • Lemhi County: 3,320
  • Clearwater County: 3,279
  • Caribou County: 3,139
  • Adams County: 2,335
  • Lincoln County: 2,072
  • Oneida County: 2,030
  • Custer County: 1,826
  • Lewis County: 1,628
  • Butte County: 1,106
  • Camas County: 704
  • Clark County: 171

  • Boise City, Nampa – ID: 333,384
  • Unknown: 259,235
  • Coeur D’Alene – ID: 100,667
  • Idaho Falls – ID: 77,127
  • Boise City – ID: 75,395
  • Pocatello – ID: 49,563
  • Lewiston – ID, WA: 21,088
  • Logan – UT, ID: 6,124

  • Unknown: 811,476
  • Collateral: 29,295
  • Credit history: 24,581
  • Debt-to-income ratio: 23,158
  • Other: 13,509
  • Credit application incomplete: 11,674
  • Unverifiable information: 4,644
  • Insufficient cash (downpayment, closing costs): 2,266
  • Employment history: 1,802
  • Mortgage insurance denied: 178

  • Not a HOEPA loan: 922,447
  • HOEPA loan: 136

  • Secured by a first lien: 715,419
  • Not applicable: 154,244
  • Secured by a subordinate lien: 44,464
  • Not secured by a lien: 8,456

  • Owner-occupied as a principal dwelling: 811,708
  • Not owner-occupied as a principal dwelling: 108,348
  • Not applicable: 2,527

  • One-to-four family dwelling (other than manufactured housing): 889,520
  • Manufactured housing: 32,096
  • Multifamily dwelling: 967

  • Loan was not originated or was not sold in calendar year covered by register: 438,555
  • Fannie Mae (FNMA): 141,282
  • Freddie Mac (FHLMC): 82,754
  • Ginnie Mae (GNMA): 78,218
  • Other type of purchaser: 56,366
  • Commercial bank, savings bank or savings association: 46,314
  • Affiliate institution: 36,042
  • Life insurance company, credit union, mortgage bank, or finance company: 34,288
  • Private securitization: 8,528
  • Farmer Mac (FAMC): 236