Idaho First Bank Mortgage Rates, Fees & Info

MCCALL, ID

LEI: 549300SQ82MLLWN3PD61

Tax ID: 20-2307374

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Mortgage Data

Review & Overview

Idaho First Bank is a smaller bank specializing in Home Purchase loans. Idaho First Bank has a high proportion of conventional loans. Their top markets by origination volume include: Hailey, Bend, Boise City, Cleveland, and Portland among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

Idaho First Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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Originations

29

Origination Dollar Volume (All Markets)

$25,715,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Hailey, ID (FHA|USDA|VA) 7 $12,945,000 $1,849,286 $0 0.00%
Outside of Metro Areas 9 $5,725,000 $636,111 $0 0.00%
BEND, OR (FHA|USDA|VA) 2 $4,110,000 $2,055,000 $0 0.00%
BOISE CITY, ID (FHA|USDA|VA) 9 $2,595,000 $288,333 $0 0.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
Idaho First Bank's top markets include Hailey, Bend, Boise City, Cleveland, and Portland among others.

Their top states include:
  • Idaho (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 29 $25,715,000 $886,724 $0 0.00%

    For 2023, Idaho First Bank's most frequently originated type of loan was Conventional, with 29 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 23 $21,955,000 $954,565 $0 0.00%
    Refi 3 $3,205,000 $1,068,333 $0 0.00%
    Other 2 $280,000 $140,000 $0 0.00%
    Cash Out Refi 1 $275,000 $275,000 $0 0.00%

    For 2023, Idaho First Bank's most frequently cited loan purpose was Home Purchase, with 23 originations. The 2nd most popular reason was Refi, with 3 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 29 $25,715,000 $886,724 $0 0.00%

    For 2023, Idaho First Bank's most frequently cited loan duration was Other, with 29 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 10 $19,270,000 $1,927,000 $0 0.00%
    $200k-400k 8 $2,320,000 $290,000 $0 0.00%
    $400k-600k 5 $2,275,000 $455,000 $0 0.00%
    $100,000 or less 2 $140,000 $70,000 $0 0.00%
    $100k-200k 2 $280,000 $140,000 $0 0.00%
    $600k-1MM 2 $1,430,000 $715,000 $0 0.00%

    2023 saw Idaho First Bank place emphasis on $1MM+ loans with 10 originations, totaling $19,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 9 $14,295,000 $1,588,333 $0 0.00%
    $150k-250k 5 $1,695,000 $339,000 $0 0.00%
    $50k-75k 2 $420,000 $210,000 $0 0.00%
    $50k or less 2 $370,000 $185,000 $0 0.00%
    $75k-100k 2 $680,000 $340,000 $0 0.00%
    $100k-150k 1 $725,000 $725,000 $0 0.00%

    Idaho First Bank lent most frequently to those with incomes in the $250k+ range, with 9 originations. The second most popular income band? $150k-250k, with 5 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 29 $25,715,000 $886,724 $0 0.00%

    Idaho First Bank lent most frequently to those with DTI ratios of Exempt%, with 29 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 17 $15,655,000 $920,882 $0 0.00%
    Not applicable 8 $7,530,000 $941,250 $0 0.00%
    Not provided 4 $2,530,000 $632,500 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.24%

    Idaho First Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.41%

    Idaho First Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 29 $25,715,000 $886,724

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    29 $25,715,000 $886,724