Idaho First Bank Mortgage Rates, Fees & Info
MCCALL, IDLEI: 549300SQ82MLLWN3PD61
Tax ID: 20-2307374
Latest/2023 | 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 Refi and Home Purchase loans. Idaho First Bank has a high proportion of conventional loans. Their top markets by origination volume include: Boise City, Hailey, Reno, Portland, and San Diego among others. We have data for 19 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
176Origination Dollar Volume (All Markets)
$80,010,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 81 | $24,365,000 | $300,802 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 50 | $22,170,000 | $443,400 | $0 | 0.00% |
| Hailey, ID (FHA|USDA|VA) | 27 | $17,515,000 | $648,704 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 1 | $5,175,000 | $5,175,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $2,935,000 | $2,935,000 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $0 | 0.00% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $0 | 0.00% |
| Burley, ID (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 0.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Helena, MT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 176 | $80,010,000 | $454,602 | $0 | 0.00% |
For 2020, Idaho First Bank's most frequently originated type of loan was Conventional, with 176 originations.
Loan Reason
For 2020, Idaho First Bank's most frequently cited loan purpose was Refi, with 62 originations. The 2nd most popular reason was Home Purchase, with 58 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 176 | $80,010,000 | $454,602 | $0 | 0.00% |
For 2020, Idaho First Bank's most frequently cited loan duration was Other, with 176 originations.
Loan Sizing
2020 saw Idaho First Bank place emphasis on $200k-400k loans with 80 originations, totaling $22,040,000 in origination value.
Applicant Income
Idaho First Bank lent most frequently to those with incomes in the $250k+ range, with 38 originations. The second most popular income band? $100k-150k, with 31 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 176 | $80,010,000 | $454,602 | $0 | 0.00% |
Idaho First Bank lent most frequently to those with DTI ratios of Exempt%, with 176 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.05%
Idaho First Bank has an average approval rate.
Pick Rate
Approvals leading to origination78.98%
Idaho First Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 176 | $80,010,000 | $454,602 |