Mortgage Rates Idaho (ID) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Idaho. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Idaho as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Goldenwest Federal Credit UnionGoldenwest Federal Credit Union355 S 3rd St, Boise, ID, 83402A+5.0 ★Texas Ratio: 2.10% at 5.75%, Westmark Credit UnionWestmark Credit Union1385 Fremont Ave, Blackfoot, ID, 83201A+5.0 ★Texas Ratio: 2.97% at 6.00%, America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID, 83440A5.0 ★Texas Ratio: 8.12% at 6.00%, CAPITAL EDUCATORSCAPITAL EDUCATORS1023 12th Ave Rd, Boise, ID, 83301A5.0 ★Texas Ratio: 7.10% at 6.00%, and Wells FargoWells Fargo100 E Main St, Aberdeen, ID, 83201A5.0 ★Texas Ratio: 7.44% at 6.25%.
Mortgage rates in Idaho (ID) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Idaho borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Idaho Mortgage Rate Trends
Compare local Idaho mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — ID Avg
6.322%
▲ 0.237 from last week
For buyers in Idaho, the broader Idaho 30-year fixed average mortgage rate rose 0.237 points this week to 6.322%, according to MonitorBankRates trend data.
15-Year Fixed — ID Avg
5.836%
▼ 1.935 from last week
For buyers in Idaho, the broader Idaho 15-year fixed average mortgage rate fell 1.935 points this week to 5.836%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Idaho
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
355 S 3rd St, Boise, ID, 83402
30 Year Fixed Loan
5.75%
5.93%
▼
Rate5.75%
APR5.93%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1385 Fremont Ave, Blackfoot, ID, 83201
30 Year Fixed
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83440
30 Year Fixed
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
1023 12th Ave Rd, Boise, ID, 83301
Conventional Fixed 30 Year Mortgage
30 Year
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points0.000
UpdatedMar 16, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 E Main St, Aberdeen, ID, 83201
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1250 W Ironwood Dr Ste 102, Coeur d Alene, ID, 83814 2681
30-year Fixed
6.25%
6.43%
▼
Rate6.25%
APR6.43%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1250 W Ironwood Dr Ste 102, Coeur d Alene, ID, 83814 2681
30-year Fixed - Construction
6.38%
6.59%
▼
Rate6.38%
APR6.59%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83440
30 Year Fixed
30 Year
6.75%
6.84%
▼
Rate6.75%
APR6.84%
Points-0.375
UpdatedMar 17, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1385 Fremont Ave, Blackfoot, ID, 83201
15 Year Fixed
5.38%
5.48%
▼
Rate5.38%
APR5.48%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83440
15 Year Fixed
5.25%
5.50%
▼
Rate5.25%
APR5.50%
Points0.625
UpdatedMar 17, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
355 S 3rd St, Boise, ID, 83402
15 Year Fixed Loan
5.25%
5.53%
▼
Rate5.25%
APR5.53%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 E Main St, Aberdeen, ID, 83201
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83440
15 Year Fixed
15 Year
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points-0.250
UpdatedMar 17, 2026
Details
As Low As
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1250 W Ironwood Dr Ste 102, Coeur d Alene, ID, 83814 2681
15-year Fixed
5.75%
6.02%
▼
Rate5.75%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1012 Yellowstone Ave, Ammon, ID, 83201 4419
Second mortgage 15-year fixed rate
7.50%
7.79%
▼
Rate7.50%
APR7.79%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
1st Deed Jumbo 3/3/30 Year - 1 Yr. TCM
360
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
1st Deed Jumbo 5/5/30 Year - 1 Yr. TCM
360
5.50%
5.50%
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
1st Deed Jumbo 7/2/30 Year - 1 Yr. TCM
360
5.88%
5.88%
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1012 Yellowstone Ave, Ammon, ID, 83201 4419
7/6 Adjustable-rate mortgage
5.50%
6.18%
▼
Rate5.50%
APR6.18%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
2nd Deed 3/1/30 Year - 1Yr. TCM
360
6.25%
6.25%
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1012 Yellowstone Ave, Ammon, ID, 83201 4419
10/6 Adjustable-rate mortgage
5.88%
6.26%
▼
Rate5.88%
APR6.26%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 E Main St, Aberdeen, ID, 83201
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1012 Yellowstone Ave, Ammon, ID, 83201 4419
5/6 Adjustable-rate mortgage
5.50%
6.31%
▼
Rate5.50%
APR6.31%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
2nd Deed 5/1/30 Year - 1 Yr. TCM
360
6.50%
6.50%
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1012 Yellowstone Ave, Ammon, ID, 83201 4419
7/6 First-time homebuyer Adjustable-rate mortgage
6.75%
6.87%
▼
Rate6.75%
APR6.87%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID, 83501
Fixed Rate 15 Year Jumbo Loan
5.50%
5.72%
▼
Rate5.50%
APR5.72%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID, 83501
Fixed Rate 30 Year Jumbo Loan
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1250 W Ironwood Dr Ste 102, Coeur d Alene, ID, 83814 2681
30-year Fixed - Jumbo
7.12%
7.26%
▼
Rate7.12%
APR7.26%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID, 83501
15 Year FHA Loan
4.88%
5.61%
▼
Rate4.88%
APR5.61%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
355 S 3rd St, Boise, ID, 83402
20 Year Fixed FHA Mortgage
5.25%
6.08%
▼
Rate5.25%
APR6.08%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID, 83501
30 Year FHA Loan
5.38%
6.13%
▼
Rate5.38%
APR6.13%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
355 S 3rd St, Boise, ID, 83402
30 Year Fixed FHA Mortgage
5.49%
6.15%
▼
Rate5.49%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
355 S 3rd St, Boise, ID, 83402
15 Year Fixed FHA Mortgage
5.49%
6.17%
▼
Rate5.49%
APR6.17%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83440
FHA 30 Year
5.50%
6.33%
▼
Rate5.50%
APR6.33%
Points0.375
UpdatedMar 17, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83440
Utah Housing FHA
6.38%
7.20%
▼
Rate6.38%
APR7.20%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID, 83501
15 Year VA Loan
4.99%
5.33%
▼
Rate4.99%
APR5.33%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1015 WARNER AVE, Athol, ID, 83501
30 Year VA Loan
5.38%
5.58%
▼
Rate5.38%
APR5.58%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
355 S 3rd St, Boise, ID, 83402
30 Year Fixed VA Mortgage
5.50%
5.65%
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 E Main St, Aberdeen, ID, 83201
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83440
VA 30 Year
5.50%
5.98%
▼
Rate5.50%
APR5.98%
Points0.500
UpdatedMar 17, 2026
Details
As Low As
Zions Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
102 W Main St, Ammon, ID, 83201
30-Year VA Fixed
30
5.88%
6.18%
▼
Rate5.88%
APR6.18%
Points0.000
UpdatedMar 15, 2026
Details
Advertised APR assumes excellent credit. Your APR may be higher.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1 Country Club Ln, Blackfoot, ID, 83201
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
355 S 3rd St, Boise, ID, 83402
15 Year Fixed VA Mortgage
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Powered by
MonitorBankRates
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Idaho directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Idaho. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in ID.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Idaho
How does my credit score affect my rate in Idaho?
Your credit score is a major factor. Generally, borrowers in Idaho with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Idaho because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Idaho?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Idaho, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Idaho, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Idaho?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Idaho, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Idaho?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Idaho offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Idaho?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Idaho?
- Goldenwest Federal Credit Union: 5.75% (30 Year Fixed Loan)
- Westmark Credit Union: 6.00% (30 Year Fixed)
- America First Federal Credit Union: 6.00% (30 Year Fixed)
- CAPITAL EDUCATORS: 6.00% (Conventional Fixed 30 Year Mortgage)
- Wells Fargo: 6.25% (30-Year Fixed Rate)
Mortgage Rates reflect actual verified offers from lenders actively lending to Idaho borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Idaho
