Idaho USDA Loan Rates, Closing Costs & Stats

Idaho

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Idaho USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Idaho averaged 6.38% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Idaho's average USDA mortgage closing costs are $6,896.

    The average rate for the prior week (2025-03-28) was 6.14% and one month ago for the week of 2025-02-28, the average rate was 6.49%.

    The average rate one year ago was 6.45%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.08%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Idaho USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Idaho level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 11 5.83% $11,106
    Eagle Bank and Trust Company 9 5.86% $9,516
    Glacier Bank 5 6.30% $10,456
    CANOPY MORTGAGE, LLC 5 6.35% $12,302
    FIRST COLONY MORTGAGE CORPORATION 5 6.03% $9,749
    PREMIER MORTGAGE RESOURCES, L.L.C. 5 5.78% $11,856
    IDAHO CENTRAL 4 6.16% $8,726
    GUILD MORTGAGE COMPANY 4 5.94% $11,295
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 5.83% $14,180
    Flagstar Bank, FSB 3 6.04% $10,530
    ADVANTAGE PLUS 2 6.06% $5,716
    MOVEMENT MORTGAGE, LLC 2 6.38% $7,767
    NEWREZ LLC 2 5.94% $11,017
    First Federal Savings Bank of Twin Falls 2 6.19% $8,001
    LOANDEPOT.COM, LLC 1 6.63% $10,684
    Mortgage Research Center, LLC 1 5.25% $3,130
    Plains Commerce Bank 1 5.13% $13,921
    PLANET HOME LENDING, LLC 1 6.13% $9,766
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $8,428
    Sierra Pacific Mortgage Company, Inc. 1 5.75% $10,870
    SUMMIT FUNDING, INC. 1 6.13% $16,057
    The Loan Store, Inc. 1 5.75% $9,116
    Umpqua Bank 1 6.50% $9,814
    Waterstone Mortgage Corporation 1 5.50% $11,080
    Bank of England 1 5.75% $28,239
    BAY EQUITY LLC 1 6.49% $12,121
    Cache Valley Bank 1 6.00% $5,950
    Century Mortgage Company DBA Century Lending Company 1 6.13% $7,039
    CMG MORTGAGE, INC. 1 6.25% $7,891
    CORNERSTONE HOME LENDING, INC. 1 6.50% $5,568
    D. L. Evans Bank 1 5.50% $9,936
    Equity Prime Mortgage LLC 1 5.88% $12,050
    Evolve Bank & Trust 1 6.63% $10,393
    Goldwater Bank, N.A. 1 6.88% $6,448
    GUARANTEED RATE, INC. 1 4.75% $19,863
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.62% $9,763
    LEADERONE FINANCIAL CORPORATION 1 6.49% $6,718

    The top Idaho USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 11 USDA loans originated. Their average total fees are $11,106, which is $1,590 higher than the next largest lender, Eagle Bank and Trust Company.

    The lowest fee Idaho USDA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($11,106), .

    The lowest rate Idaho USDA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.83%), .