Commercial Real Estate Financing in Idaho | ID Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Idaho. Current commercial loan rates in Idaho range from 4.7% to 16.11%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of ID. We also have a dedicated page for apartment loans in Idaho.

Idaho Commercial Loans

Idaho Commercial Loan Rates

Commercial Loan Types Average Idaho Rates LTV Loan Amount Occupancy
Conventional 5.11% - 8.04% 80% $1,000,000+ Investment + Owner Occupied
Conduit / CMBS 5.59% - 6.71% 75% $2,000,000+ Investment
Insurance 5.04% - 7.29% 75% $5,000,000+ Investment + Owner Occupied
FHA / HUD 4.59% - 5.44% 83.3% $5,000,000+ Investment
USDA 5.70% - 8.70% 85% $1,000,000+ Investment + Owner Occupied
Bridge 7.11% - 16.11% 80% $1,500,000+ Investment
Construction 7.20% - 12.20% 83.3% $1,000,000+ Investment
SBA 4.70% - 8.20% 85% - 90% $1,000,000+ Owner Occupied

Types of Commercial Loans in Idaho

Investment Property Mortgages

The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.

Owner Occupied Commercial Mortgages

Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.

Apply for a Commercial Loan in Idaho

Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.

Locations Served in Idaho

We are proud to be serving the state of Idaho. Here are our commercial loan statistics for this state.

Idaho Cities and Towns Served

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Idaho Economic Data

Please note that commercial loan rates are dependent on the market. We have provided market data for ID below to help you understand what kind of market you are in. Simply click one of the options below to see the data for ID. Economic data reports provided by Data USA.

Economy

Housing

Lending Cities

Commercial loan direct provides services in the following Idaho cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Idaho economic reports to get a better understanding of your market.

  • Aberdeen
  • Ada County
  • Adams County
  • American Falls
  • Ammon
  • Arco
  • Ashton
  • Bannock County
  • Bear Lake County
  • Bellevue
  • Benewah County
  • Bingham County
  • Blackfoot
  • Blaine County
  • Boise
  • Boise County
  • Bonner County
  • Bonners Ferry
  • Bonneville County
  • Boundary County
  • Buhl
  • Burley
  • Butte County
  • Caldwell
  • Camas County
  • Canyon County
  • Caribou County
  • Cascade
  • Cassia County
  • Challis
  • Chubbuck
  • Clark County
  • Clearwater County
  • Coeur d'Alene
  • Council
  • Custer County
  • Dalton Gardens
  • Driggs
  • Dubois
  • Eagle
  • Elmore County
  • Emmett
  • Fairfield
  • Filer
  • Fort Hall
  • Franklin County
  • Fremont County
  • Fruitland
  • Garden City
  • Gem County
  • Glenns Ferry
  • Gooding
  • Gooding County
  • Grangeville
  • Hailey
  • Hansen
  • Hayden
  • Heyburn
  • Hidden Spring
  • Homedale
  • Idaho City
  • Idaho County
  • Idaho Falls
  • Iona
  • Jefferson County
  • Jerome
  • Jerome County
  • Kamiah
  • Kellogg
  • Ketchum
  • Kimberly
  • Kootenai County
  • Kuna
  • Lapwai
  • Latah County
  • Lemhi County
  • Lewis County
  • Lewiston
  • Lewiston Orchards
  • Lincoln
  • Lincoln County
  • Madison County
  • Malad City
  • Marsing
  • McCall
  • Meridian
  • Middleton
  • Minidoka County
  • Montpelier
  • Moreland
  • Moscow
  • Mountain Home
  • Murphy
  • Nampa
  • New Plymouth
  • Nez Perce County
  • Nezperce
  • Oneida County
  • Orofino
  • Osburn
  • Owyhee County
  • Paris
  • Parma
  • Paul
  • Payette
  • Payette County
  • Pinehurst
  • Plummer
  • Pocatello
  • Ponderay
  • Post Falls
  • Power County
  • Preston
  • Priest River
  • Rathdrum
  • Rexburg
  • Rigby
  • Rupert
  • Saint Anthony
  • Saint Maries
  • Salmon
  • Sandpoint
  • Shelley
  • Shoshone
  • Shoshone County
  • Soda Springs
  • Spirit Lake
  • Star
  • Sugar City
  • Sun Valley
  • Teton County
  • Twin Falls
  • Twin Falls County
  • Tyhee
  • Ucon
  • Valley County
  • Victor
  • Wallace
  • Washington County
  • Weiser
  • Wendell
  • Wilder
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