Idaho First Bank Mortgage Rates, Fees & Info
MCCALL, IDLEI: 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: Boise City, Hailey, Portland, San Luis Obispo, and Phoenix among others. We have data for 15 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
215Origination Dollar Volume (All Markets)
$63,905,000Top 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 |
|---|---|---|---|---|---|
| BOISE CITY, ID (FHA|USDA|VA) | 146 | $40,860,000 | $279,863 | $0 | 0.00% |
| Outside of Metro Areas | 53 | $16,165,000 | $305,000 | $0 | 0.00% |
| Hailey, ID (FHA|USDA|VA) | 2 | $2,440,000 | $1,220,000 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $0 | 0.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 215 | $63,905,000 | $297,233 | $0 | 0.00% |
For 2018, Idaho First Bank's most frequently originated type of loan was Conventional, with 215 originations.
Loan Reason
For 2018, Idaho First Bank's most frequently cited loan purpose was Home Purchase, with 160 originations. The 2nd most popular reason was Cash Out Refi, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 215 | $63,905,000 | $297,233 | $0 | 0.00% |
For 2018, Idaho First Bank's most frequently cited loan duration was Other, with 215 originations.
Loan Sizing
2018 saw Idaho First Bank place emphasis on $200k-400k loans with 101 originations, totaling $27,515,000 in origination value.
Applicant Income
Idaho First Bank lent most frequently to those with incomes in the $50k-75k range, with 49 originations. The second most popular income band? $50k or less, with 41 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 215 | $63,905,000 | $297,233 | $0 | 0.00% |
Idaho First Bank lent most frequently to those with DTI ratios of Exempt%, with 215 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.20%
Idaho First Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination80.93%
Idaho First Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 215 | $63,905,000 | $297,233 |