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, Pocatello, Seattle, and Idaho Falls among others. We have data for 11 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
128Origination Dollar Volume (All Markets)
$80,490,000Top 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) | 70 | $56,720,000 | $810,286 | $0 | 0.00% |
Outside of Metro Areas | 44 | $15,770,000 | $358,409 | $0 | 0.00% |
Hailey, ID (FHA|USDA|VA) | 4 | $4,910,000 | $1,227,500 | $0 | 0.00% |
POCATELLO, ID (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $0 | 0.00% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
Ontario, OR-ID (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $0 | 0.00% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
TWIN FALLS, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
Mountain Home, ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 128 | $80,490,000 | $628,828 | $0 | 0.00% |
For 2019, Idaho First Bank's most frequently originated type of loan was Conventional, with 128 originations.
Loan Reason
Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Home Purchase | 81 | $62,785,000 | $775,123 | $0 | 0.00% |
Cash Out Refi | 29 | $11,215,000 | $386,724 | $0 | 0.00% |
Refi | 18 | $6,490,000 | $360,556 | $0 | 0.00% |
For 2019, Idaho First Bank's most frequently cited loan purpose was Home Purchase, with 81 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 | 128 | $80,490,000 | $628,828 | $0 | 0.00% |
For 2019, Idaho First Bank's most frequently cited loan duration was Other, with 128 originations.
Loan Sizing
2019 saw Idaho First Bank place emphasis on $200k-400k loans with 52 originations, totaling $14,530,000 in origination value.
Applicant Income
Idaho First Bank lent most frequently to those with incomes in the $50k-75k range, with 24 originations. The second most popular income band? $250k+, with 23 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 128 | $80,490,000 | $628,828 | $0 | 0.00% |
Idaho First Bank lent most frequently to those with DTI ratios of Exempt%, with 128 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.29%
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 origination74.22%
Idaho First Bank has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
Exempt | 128 | $80,490,000 | $628,828 |