Idaho First Bank Mortgage Rates, Fees & Info
MCCALL, IDLEI: 549300SQ82MLLWN3PD61
Tax ID: 20-2307374
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Idaho First Bank is a smaller bank specializing in Home Purchase and Refi loans. Idaho First Bank has a high proportion of conventional loans. Their top markets by origination volume include: Hailey, Walla Walla, Reno, Boise City, and Bend among others. We have data for 8 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
28Origination Dollar Volume (All Markets)
$38,830,000Top 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) | 6 | $8,930,000 | $1,488,333 | $0 | 0.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $8,505,000 | $8,505,000 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 3 | $7,595,000 | $2,531,667 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 10 | $6,710,000 | $671,000 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $3,555,000 | $3,555,000 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $2,495,000 | $499,000 | $0 | 0.00% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $0 | 0.00% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 28 | $38,830,000 | $1,386,786 | $0 | 0.00% |
For 2024, Idaho First Bank's most frequently originated type of loan was Conventional, with 28 originations.
Loan Reason
For 2024, Idaho First Bank's most frequently cited loan purpose was Home Purchase, with 22 originations. The 2nd most popular reason was Refi, with 4 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 28 | $38,830,000 | $1,386,786 | $0 | 0.00% |
For 2024, Idaho First Bank's most frequently cited loan duration was Other, with 28 originations.
Loan Sizing
2024 saw Idaho First Bank place emphasis on $1MM+ loans with 11 originations, totaling $29,705,000 in origination value.
Applicant Income
Idaho First Bank lent most frequently to those with incomes in the $250k+ range, with 13 originations. The second most popular income band? $100k-150k, with 1 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 28 | $38,830,000 | $1,386,786 | $0 | 0.00% |
Idaho First Bank lent most frequently to those with DTI ratios of Exempt%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.49%
Idaho First Bank has an average approval rate.
Pick Rate
Approvals leading to origination53.57%
Idaho First Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 28 | $38,830,000 | $1,386,786 |