Current Idaho Mortgage Rates
Average market rates for December 04, 2025 in Idaho are 6.18% for 30-year fixed purchase and 6.30% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.18% | 6.21% |
| 30-year Fixed Refinance | 6.30% | 6.32% |
Rates based on market averages as of Dec 03, 2025.Mortgage Rate Trends in Idaho
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.18% | 6.21% |
| 30-year Fixed Refinance | 6.30% | 6.32% |
Rates based on market averages as of Dec 03, 2025.Idaho Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.31% | 5.36% |
| 15-year Fixed Jumbo Purchase | 6.17% | 6.20% |
| 30-year Fixed Purchase | 6.18% | 6.21% |
| 30-year Fixed Jumbo Purchase | 6.83% | 6.84% |
Rates based on market averages as of Dec 03, 2025.Idaho Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.30% | 5.35% |
| 15-year Fixed Jumbo Refinance | 6.17% | 6.19% |
| 30-year Fixed Refinance | 6.30% | 6.32% |
| 30-year Fixed Jumbo Refinance | 6.85% | 6.86% |
Rates based on market averages as of Dec 03, 2025.Idaho ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.03% | 6.07% |
| 5/6 Arm (refinance) | 6.04% | 6.07% |
| 5/6 Jumbo Arm (purchase) | 5.87% | 5.88% |
| 5/6 Jumbo Arm (refinance) | 5.89% | 5.90% |
Rates based on market averages as of Dec 03, 2025.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in Idaho
- Conventional: 22,746 loans
- FHA: 3,354 loans
- VA: 2,465 loans
- USDA: 211 loans
Top Purchase Lenders in Idaho by Volume
- Idaho Central Credit Union: 3,398 loans
- Fairway Independent Mortgage Corporation: 1,300 loans
- Academy Mortgage Corporation: 1,034 loans
- Premier Mortgage Resources, L.l.c.: 950 loans
- Guild Mortgage Company LLC: 935 loans
- Movement Mortgage, LLC: 792 loans
- Willamette Valley Bank: 719 loans
- Glacier Bank: 671 loans
- Rocket Mortgage, LLC: 634 loans
- Evergreen Moneysource Mortgage Company: 609 loans
Top Refinance Lenders in Idaho by Volume
- Idaho Central Credit Union: 786 loans
- Mountain America Federal Credit Union: 518 loans
- U.S. Bank: 443 loans
- American Advisors Group: 296 loans
- Zions Bancorporation, N.a.: 203 loans
- Mutual Of Omaha Mortgage, Inc.: 202 loans
- Finance Of America Reverse LLC: 195 loans
- Rocket Mortgage, LLC: 194 loans
- Glacier Bank: 184 loans
- Longbridge Financial, LLC: 166 loans
Top Cash-Out Refinance Lenders in Idaho by Volume
- Idaho Central Credit Union: 4,293 loans
- Rocket Mortgage, LLC: 2,069 loans
- Loandepot.com, LLC: 648 loans
- Flagstar Bank, Fsb: 456 loans
- Freedom Mortgage Corporation: 369 loans
- Fairway Independent Mortgage Corporation: 295 loans
- Pennymac Loan Services, LLC: 286 loans
- Unknown: 273 loans
- Wells Fargo Bank: 265 loans
- Nationstar Mortgage LLC: 256 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
