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Idaho Refinance Rates: 30Y, FHA, 20Y, 10Y, ARMs

Author: Finance Editors

See Idaho Refinance fixed rates (30 Year, 20, 15, 10, FHA, VA and Jumbo), variable rates (10 year, 7, 5, 3),  Cash out rates, plus comparisons with national averages and lender types. Refinancing in Idaho can help lower your monthly payment, shorten your loan term, or tap into equity with a cash-out refinance.

 
Updated: June 3, 2026
 

 
 

Current Idaho Refinance Rates –

 

Find community reported rates by Idaho homeowners (rates are average APR).

 
  Credit Score Satisfaction
 720 - 850690 - 719620 - 689 
Nationally6.54%6.59%6.64%
Idaho6.49%6.54%6.59%
Credit Unions6.08%6.13%6.29%9.2/10
Online lenders6.19%6.24%6.39%7.9/10
Banks6.49%6.54%6.59%7.4/10
30 year fixed6.49%6.54%6.59%
30 year fixed FHA6.50%6.55%6.60%
30 year fixed VA5.99%6.04%6.09%
30 year fixed Jumbo6.60%6.84%7.03%
20 year fixed6.37%6.42%6.47%
15 year fixed6.02%6.07%6.12%
10 year fixed5.63%5.68%5.73%
3 year ARM4.36%4.41%4.46%
5 year ARM6.63%6.68%6.73%
7 year ARM6.46%6.51%6.56%
10 year ARM6.34%6.39%6.44%
Satisfaction9.5/107.8/107.8/10 

Source: MFP’s Community Home Refinance Rates Survey of Idaho homeowner members in the last 30 days.

 
 
 
 
 
 

Cash Out Refinance Rates in Idaho –

 

Find community reported refinance cash-out rates by Idaho homeowners (rates are average APR).

 
  Credit Score 
 720 - 850690 - 719620 - 689
Nationally6.66%6.79%6.91%
Idaho6.61%6.74%6.86%
Credit Unions6.21%6.33%6.56%
Online lenders6.31%6.44%6.66%
Banks6.61%6.74%6.86%
30 year fixed6.61%6.74%6.86%
30 year fixed FHA6.63%6.75%6.88%
30 year fixed VA6.12%6.24%6.37%
30 year fixed Jumbo6.72%6.85%6.97%
20 year fixed6.49%6.62%6.74%
15 year fixed6.14%6.26%6.39%
10 year fixed5.76%5.88%6.01%
3 year ARM4.49%4.61%4.74%
5 year ARM6.75%6.88%7.00%
7 year ARM6.59%6.71%6.84%
10 year ARM6.46%6.59%6.71%

Source: MFP’s Community Home Refinance Rates Survey of Idaho members in the last 30 days.

 
 
 
 
 
 

How Idaho Compares to National Averages

 
  • Idaho refinance rates (6.49% for best credit scores) are in line with national averages (national average: 6.54%).
  • Credit unions are more competitive: In Idaho, credit unions offer 6.33%, banks 6.58%, online lenders 6.44%.
  • Borrower satisfaction: Credit unions 8.7/10, Online lenders 8.4/10, Banks 8.1/10.
 

Refinance Options in Idaho

 
  • 30-year Fixed: At 6.49% APR for excellent credit, Idaho's most popular choice for stable long-term payments with predictable monthly costs
  • 30-year Fixed FHA: At 6.50% APR for excellent credit, government-backed programs with competitive terms and flexible qualification requirements
  • 30-year Fixed VA: At 5.99% APR for excellent credit, exclusive to eligible veterans and military members, featuring Idaho's most competitive rates
  • 30-year Fixed Jumbo: At 6.60% APR for excellent credit, for high-value homes with competitive jumbo mortgage terms
  • 20-year Fixed: At 6.37% APR for excellent credit, a balanced option between shorter and longer terms with moderate payments
  • 15-year Fixed: At 6.02% APR for excellent credit, lower interest rates but higher monthly payments, ideal for building equity faster
  • 10-year Fixed: At 5.63% APR for excellent credit, the shortest fixed-term option with competitive rates for rapid equity building
  • Adjustable-rate mortgages (ARMs): Various terms including 3-year (4.36% APR), 5-year (6.63% APR), 7-year (6.46% APR), and 10-year (6.34% APR) options that start lower but may adjust upward after initial fixed period
 
 
 

Metro Area Rates

 
Metro / City 30-Year Fixed APR 15-Year Fixed APR
Boise 6.74% 5.92%
Meridian 6.73% 5.91%
Nampa 6.73% 5.90%
Online lenders 6.73% 5.90%

* APR Rates shown are for borrowers with the best credit scores. Click the city name to see community recommended lenders and ratings

 
 
 
 
 
 

Compare Lenders Rated by Idaho Homeowners

 

Looking beyond rates, Idaho homeowners rated their refinance lenders on:

 
  • Ease of application
  • Rates and terms offered
  • Customer support and advice
  • Overall recommendation %
 

See the Best Mortgage Refinance Lenders in Idaho

 
 
 

FAQs – Idaho Refinance Rates

 

Are refinance rates lower in Idaho than the U.S. average?

 

They’re close. Idaho averages only 0.13% higher than the national benchmark for top credit scores.

 

What’s the best credit score for refinancing in Idaho?

 

Borrowers with scores above 720 typically access the lowest rates (around 6.73% for 30-year fixed).

 

Which lenders have the highest satisfaction in Idaho?

 

Credit unions lead in borrower satisfaction at 8.8/10, followed by online lenders (8.6/10).

 
 
 

More Info for Idaho Homeowners:

Home Refinance Calculator

Idaho Best Refinance Lenders from Community recommendations

Idaho Home Equity Loan & Idaho HELOC Rates 

Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.

Idaho Best Home Insurance from Community recommendations & Costs

More Resources for Idaho Homeowners.