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 Home Purchase loans. Idaho First Bank has a high proportion of conventional loans. Their top markets by origination volume include: Boise City, Hailey, Portland, Las Vegas, and Bend 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 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
73Origination Dollar Volume (All Markets)
$57,675,000Top 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) | 31 | $24,945,000 | $804,677 | $0 | 0.00% |
| Outside of Metro Areas | 25 | $11,015,000 | $440,600 | $0 | 0.00% |
| Hailey, ID (FHA|USDA|VA) | 8 | $10,340,000 | $1,292,500 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $5,890,000 | $2,945,000 | $0 | 0.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $1,525,000 | $1,525,000 | $0 | 0.00% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 73 | $57,675,000 | $790,068 | $0 | 0.00% |
For 2022, Idaho First Bank's most frequently originated type of loan was Conventional, with 73 originations.
Loan Reason
For 2022, Idaho First Bank's most frequently cited loan purpose was Home Purchase, with 47 originations. The 2nd most popular reason was Cash Out Refi, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 73 | $57,675,000 | $790,068 | $0 | 0.00% |
For 2022, Idaho First Bank's most frequently cited loan duration was Other, with 73 originations.
Loan Sizing
2022 saw Idaho First Bank place emphasis on $200k-400k loans with 23 originations, totaling $6,995,000 in origination value.
Applicant Income
Idaho First Bank lent most frequently to those with incomes in the $250k+ range, with 24 originations. The second most popular income band? $100k-150k, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 73 | $57,675,000 | $790,068 | $0 | 0.00% |
Idaho First Bank lent most frequently to those with DTI ratios of Exempt%, with 73 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.36%
Idaho First Bank has an average approval rate.
Pick Rate
Approvals leading to origination69.86%
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 | 73 | $57,675,000 | $790,068 |