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: 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

215

Origination Dollar Volume (All Markets)

$63,905,000

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
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%
Idaho First Bank's top markets include Boise City, Hailey, Portland, San Luis Obispo, and Phoenix among others.

Their top states include:
  • Idaho (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 160 $46,940,000 $293,375 $0 0.00%
    Cash Out Refi 29 $9,075,000 $312,931 $0 0.00%
    Refi 25 $6,325,000 $253,000 $0 0.00%
    Other 1 $1,565,000 $1,565,000 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 101 $27,515,000 $272,426 $0 0.00%
    $100k-200k 57 $8,985,000 $157,632 $0 0.00%
    $100,000 or less 24 $1,300,000 $54,167 $0 0.00%
    $400k-600k 21 $9,295,000 $442,619 $0 0.00%
    $600k-1MM 8 $6,810,000 $851,250 $0 0.00%
    $1MM+ 4 $10,000,000 $2,500,000 $0 0.00%

    2018 saw Idaho First Bank place emphasis on $200k-400k loans with 101 originations, totaling $27,515,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 49 $9,485,000 $193,571 $0 0.00%
    $50k or less 41 $5,285,000 $128,902 $0 0.00%
    $75k-100k 37 $8,965,000 $242,297 $0 0.00%
    $100k-150k 35 $10,745,000 $307,000 $0 0.00%
    $150k-250k 27 $9,665,000 $357,963 $0 0.00%
    $250k+ 20 $13,420,000 $671,000 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 159 $41,195,000 $259,088 $0 0.00%
    Not provided 43 $15,065,000 $350,349 $0 0.00%
    Not applicable 5 $5,655,000 $1,131,000 $0 0.00%
    Asian 4 $1,300,000 $325,000 $0 0.00%
    Black 1 $355,000 $355,000 $0 0.00%
    American Indian 3 $335,000 $111,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.20%

    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 origination
    80.93%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $6,070,000 $1,517,500
    Single Family (1-4 Units):Manufactured 2 $280,000 $140,000
    Single Family (1-4 Units):Site-Built 209 $57,555,000 $275,383