BOISE CITY Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Boise City averaged
6.6%
for the week of 2025-05-08, compared to the national average of
6.76% for the same period.
The average rate for the prior week (2025-05-01) was
6.4% and
one month ago for the week of 2025-04-03, the
average rate was 6.28%.
Boise City's average rate one year ago was 7.16%.
For refis of the same type during the week of 2025-05-08, the average rate
was 6.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-08 | 6.76% |
| Boise City 30 Year Fixed Rate | 2025-05-08 | 6.6% |
| Boise City 30 Year Fixed Rate Refi | 2025-05-08 | 6.87% |
| Boise City 15 Year Fixed Rate | 2025-05-08 | 6.39% |
| Boise City 15 Year Fixed Rate Refi | 2025-05-08 | 6.49% |
| Boise City 30 Year FHA | 2025-05-08 | 6.07% |
| Boise City 30 Year FHA Refi | 2025-05-08 | 5.75% |
| Boise City 30 Year USDA | 2025-05-08 | 6.27% |
| Boise City 30 Year USDA Refi | 2025-05-08 | 6.47% |
| Boise City 30 Year VA | 2025-05-08 | 6.32% |
| Boise City 30 Year VA Refi | 2025-05-08 | 5.57% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BOISE CITY, ID.
BOISE CITY Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BOISE CITY, ID market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BOISE CITY Average Closing Costs & Other Stats
BOISE CITY, ID's 249 lenders originated 21,898
loans during 2024. The total origination value was $7,415,180,000, with an average loan value of
$338,624.
BOISE CITY's average closing costs are $6,858.
The top BOISE CITY lender as defined by loan originations is IDAHO CENTRAL, with
1,038 loans originated. Their average total fees are
$6,670, which is $3,164
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee BOISE CITY lenders (with over 10 loans originated) are
Shea Mortgage Inc. ($1,571), HOMEAMERICAN MORTGAGE CORPORATION ($2,082), Stifel Bank and Trust ($3,882), Bank of America ($4,295) and Morgan Stanley Private Bank ($4,389).
The lowest rate BOISE CITY lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.33%), HOMEAMERICAN MORTGAGE CORPORATION (5.41%), CAPITAL EDUCATORS FEDERAL CREDIT UNION (5.93%), CLM MORTGAGE, INC (5.96%) and Morgan Stanley Private Bank (6.05%).
BOISE CITY, ID Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| IDAHO CENTRAL | $850,960,000 | $998,905,000 | 17.4% | 13.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $465,740,000 | $552,875,000 | 18.7% | 7.5% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $179,545,000 | $373,795,000 | 108.2% | 5.0% |
| QUICKEN LOANS, LLC | $231,315,000 | $360,425,000 | 55.8% | 4.9% |
| GUILD MORTGAGE COMPANY | $150,175,000 | $315,115,000 | 109.8% | 4.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $147,980,000 | $225,485,000 | 52.4% | 3.0% |
| MOVEMENT MORTGAGE, LLC | $172,390,000 | $183,645,000 | 6.5% | 2.5% |
| U.S. Bank | $162,125,000 | $168,855,000 | 4.2% | 2.3% |
| TBI MORTGAGE COMPANY | $106,890,000 | $157,050,000 | 46.9% | 2.1% |
| S1L, Inc. | $115,135,000 | $151,915,000 | 31.9% | 2.0% |
| LOANDEPOT.COM, LLC | $120,125,000 | $148,415,000 | 23.6% | 2.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $239,565,000 | $147,205,000 | -38.6% | 2.0% |
| GUARANTEED RATE, INC. | $104,935,000 | $145,295,000 | 38.5% | 2.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $128,360,000 | $139,330,000 | 8.5% | 1.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $143,600,000 | $134,350,000 | -6.4% | 1.8% |
| CMG MORTGAGE, INC. | $93,805,000 | $112,305,000 | 19.7% | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | $43,930,000 | $107,275,000 | 144.2% | 1.4% |
| Zions Bank | $94,285,000 | $82,810,000 | -12.2% | 1.1% |
| MOUNTAIN AMERICA | $68,175,000 | $77,550,000 | 13.8% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $46,220,000 | $77,415,000 | 67.5% | 1.0% |
| WALKER & DUNLOP, LLC | $27,925,000 | $76,760,000 | 174.9% | 1.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $74,125,000 | $75,125,000 | 1.3% | 1.0% |
| EAGLE HOME MORTGAGE, LLC | $22,350,000 | $74,205,000 | 232.0% | 1.0% |
| Sunflower Bank | $43,300,000 | $73,055,000 | 68.7% | 1.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $24,385,000 | $67,120,000 | 175.3% | 0.9% |
| Waterstone Mortgage Corporation | $54,825,000 | $63,895,000 | 16.5% | 0.9% |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | $54,760,000 | $60,235,000 | 10.0% | 0.8% |
| JPMorgan Chase Bank | $44,700,000 | $59,775,000 | 33.7% | 0.8% |
| CLM MORTGAGE, INC | $55,310,000 | n/a | 0.7% | |
| Mortgage Research Center, LLC | $43,950,000 | $51,495,000 | 17.2% | 0.7% |
| Bell Bank | $920,000 | $50,975,000 | 5,440.8% | 0.7% |
| FIRST COLONY MORTGAGE CORPORATION | $23,485,000 | $49,020,000 | 108.7% | 0.7% |
| Century Mortgage Company DBA Century Lending Company | $3,760,000 | $48,935,000 | 1,201.5% | 0.7% |
| HOMEAMERICAN MORTGAGE CORPORATION | $17,480,000 | $47,765,000 | 173.3% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $11,920,000 | $46,280,000 | 288.3% | 0.6% |
| JMJ FINANCIAL GROUP | $20,110,000 | $44,370,000 | 120.6% | 0.6% |
| CHURCHILL MORTGAGE CORPORATION | $31,930,000 | $41,970,000 | 31.4% | 0.6% |
| The Loan Store, Inc. | $12,420,000 | $41,320,000 | 232.7% | 0.6% |
| Wells Fargo Bank | $29,500,000 | $40,655,000 | 37.8% | 0.5% |
| D. L. Evans Bank | $44,230,000 | $38,650,000 | -12.6% | 0.5% |
| BROKER SOLUTIONS, INC. | $38,605,000 | $38,620,000 | 0.0% | 0.5% |
| CBRE MULTIFAMILY CAPITAL, INC. | $36,190,000 | n/a | 0.5% | |
| Glacier Bank | $20,945,000 | $34,010,000 | 62.4% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $25,335,000 | $33,040,000 | 30.4% | 0.4% |
| Plains Commerce Bank | $10,505,000 | $30,480,000 | 190.1% | 0.4% |
| Washington Trust Bank | $34,445,000 | $29,855,000 | -13.3% | 0.4% |
| Bank of England | $26,200,000 | $29,310,000 | 11.9% | 0.4% |
| KeyBank | $44,385,000 | $28,915,000 | -34.9% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,410,000 | $27,380,000 | 120.6% | 0.4% |
| BAY EQUITY LLC | $17,930,000 | $26,625,000 | 48.5% | 0.4% |
| First Federal Savings Bank of Twin Falls | $45,665,000 | $25,930,000 | -43.2% | 0.3% |
| Washington Federal Bank | $38,985,000 | $24,460,000 | -37.3% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $19,115,000 | $24,240,000 | 26.8% | 0.3% |
| WESTMARK Credit Union | $15,785,000 | $23,845,000 | 51.1% | 0.3% |
| SUMMIT FUNDING, INC. | $38,650,000 | $22,475,000 | -41.8% | 0.3% |
| NEWREZ LLC | $16,195,000 | $22,350,000 | 38.0% | 0.3% |
| KBHS HOME LOANS, LLC | $16,935,000 | $21,705,000 | 28.2% | 0.3% |
| Morgan Stanley Private Bank | $15,030,000 | $20,900,000 | 39.1% | 0.3% |
| FIRST TECHNOLOGY | $12,385,000 | $20,550,000 | 65.9% | 0.3% |
| UNION HOME MORTGAGE CORP. | $750,000 | $19,910,000 | 2,554.7% | 0.3% |
| MY MOVE MORTGAGE, LLC | $9,295,000 | $19,520,000 | 110.0% | 0.3% |
| Banner Bank | $54,705,000 | $19,065,000 | -65.1% | 0.3% |
| ENVOY MORTGAGE, LTD | $1,240,000 | $18,590,000 | 1,399.2% | 0.3% |
| First Interstate Bank | $24,850,000 | $17,545,000 | -29.4% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $6,500,000 | $17,100,000 | 163.1% | 0.2% |
| CASTLE & COOKE MORTGAGE, LLC | $13,240,000 | $15,885,000 | 20.0% | 0.2% |
| HORIZON | $15,195,000 | $15,745,000 | 3.6% | 0.2% |
| BMO Harris Bank | $16,695,000 | $15,450,000 | -7.5% | 0.2% |
| AXIA FINANCIAL, LLC | $19,605,000 | $15,090,000 | -23.0% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $3,305,000 | $14,630,000 | 342.7% | 0.2% |
| Bank of America | $31,830,000 | $14,400,000 | -54.8% | 0.2% |
| Umpqua Bank | $14,300,000 | $14,010,000 | -2.0% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $7,950,000 | $14,000,000 | 76.1% | 0.2% |
| PNC Bank | $15,685,000 | $13,275,000 | -15.4% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $13,970,000 | $12,840,000 | -8.1% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $21,915,000 | $12,670,000 | -42.2% | 0.2% |
| USAA Federal Savings Bank | $9,745,000 | $12,645,000 | 29.8% | 0.2% |
| Commerce Home Mortgage, Inc. | $14,750,000 | $12,545,000 | -14.9% | 0.2% |
| Willamette Valley Bank | $41,385,000 | $12,495,000 | -69.8% | 0.2% |
| LENDSURE MORTGAGE CORP. | $8,475,000 | $12,180,000 | 43.7% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $5,035,000 | $11,785,000 | 134.1% | 0.2% |
| Discover Bank | $9,460,000 | $11,710,000 | 23.8% | 0.2% |
| NBKC BANK | $13,500,000 | $11,295,000 | -16.3% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $4,110,000 | $11,280,000 | 174.5% | 0.2% |
| Merchants Bank of Indiana | $585,000 | $10,895,000 | 1,762.4% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $10,425,000 | $10,815,000 | 3.7% | 0.1% |
| Bank of Idaho | $24,500,000 | $10,675,000 | -56.4% | 0.1% |
| LIMA ONE CAPITAL, LLC | $2,645,000 | $10,250,000 | 287.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $5,435,000 | $9,635,000 | 77.3% | 0.1% |
| Charles Schwab Bank, SSB | $6,270,000 | $9,560,000 | 52.5% | 0.1% |
| AMERICA FIRST | $7,885,000 | $9,460,000 | 20.0% | 0.1% |
| PLANET HOME LENDING, LLC | $2,435,000 | $9,305,000 | 282.1% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $11,630,000 | $8,635,000 | -25.8% | 0.1% |
| RESIDENTIAL MORTGAGE, LLC | $2,130,000 | $8,625,000 | 304.9% | 0.1% |
| The Huntington National Bank | $11,735,000 | $8,450,000 | -28.0% | 0.1% |
| Figure Lending LLC | $4,360,000 | $8,345,000 | 91.4% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $5,760,000 | $8,120,000 | 41.0% | 0.1% |
| ORIX REAL ESTATE CAPITAL, LLC | $8,005,000 | n/a | 0.1% | |
| FIRST COMMUNITY MORTGAGE, INC. | $7,815,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $720,000 | $7,775,000 | 979.9% | 0.1% |
| WASHINGTON STATE EMPLOYEES Credit Union | $7,695,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $23,375,000 | $7,685,000 | -67.1% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $630,000 | $7,660,000 | 1,115.9% | 0.1% |
| Summit Mortgage Corporation | $9,080,000 | $7,455,000 | -17.9% | 0.1% |
| Franklin Loan Corporation | $4,625,000 | $7,420,000 | 60.4% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $3,250,000 | $7,305,000 | 124.8% | 0.1% |
| Shea Mortgage Inc. | $13,485,000 | $7,025,000 | -47.9% | 0.1% |
| GENEVA FINANCIAL, LLC | $2,920,000 | $6,930,000 | 137.3% | 0.1% |
| CONNECTIONS | $6,105,000 | $6,915,000 | 13.3% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,830,000 | $6,910,000 | 277.6% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $5,500,000 | $6,815,000 | 23.9% | 0.1% |
| Idaho First Bank | $2,595,000 | $6,710,000 | 158.6% | 0.1% |
| Citibank | $48,745,000 | $6,695,000 | -86.3% | 0.1% |
| The Federal Savings Bank | $6,230,000 | $6,545,000 | 5.1% | 0.1% |
| MORTGAGE ACCESS CORP. | $635,000 | $6,505,000 | 924.4% | 0.1% |
| NEXERA HOLDING LLC | $5,985,000 | $6,305,000 | 5.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $15,160,000 | $6,300,000 | -58.4% | 0.1% |
| Equity Prime Mortgage LLC | $1,810,000 | $6,230,000 | 244.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $12,625,000 | $5,880,000 | -53.4% | 0.1% |
| UBS Bank USA | $6,450,000 | $5,850,000 | -9.3% | 0.1% |
| NFM, INC. | $17,910,000 | $5,800,000 | -67.6% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,345,000 | $5,655,000 | 69.1% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $7,000,000 | $5,590,000 | -20.1% | 0.1% |
| LOANPAL, LLC | $3,880,000 | $5,515,000 | 42.1% | 0.1% |
| Potlatch No. 1 Financial Credit Union | $2,230,000 | $5,425,000 | 143.3% | 0.1% |
| Stifel Bank and Trust | $4,055,000 | $5,180,000 | 27.7% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $12,695,000 | $5,150,000 | -59.4% | 0.1% |
| JMAC LENDING, INC. | $495,000 | $4,940,000 | 898.0% | 0.1% |
| FUNDLOANS CAPITAL | $1,530,000 | $4,600,000 | 200.7% | 0.1% |
| SIRVA MORTGAGE, INC. | $4,630,000 | $4,475,000 | -3.3% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $5,680,000 | $4,455,000 | -21.6% | 0.1% |
| PHH Mortgage Corporation | $6,980,000 | $4,415,000 | -36.7% | 0.1% |
| Carrington Mortgage Services, LLC | $1,130,000 | $4,385,000 | 288.1% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $695,000 | $4,155,000 | 497.8% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,785,000 | $4,145,000 | 48.8% | 0.1% |
| ALAMEDA MORTGAGE CORPORATION | $5,475,000 | $4,130,000 | -24.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $5,870,000 | $4,065,000 | -30.7% | 0.1% |
| ARC HOME LLC | $1,355,000 | $3,975,000 | 193.4% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $2,315,000 | $3,970,000 | 71.5% | 0.1% |
| MORTGAGE EXPRESS, LLC | $3,965,000 | n/a | 0.1% | |
| Ally Bank | $1,575,000 | $3,955,000 | 151.1% | 0.1% |
| Farmers Bank & Trust | $2,255,000 | $3,945,000 | 74.9% | 0.1% |
| GEORGIA'S OWN | $1,540,000 | $3,900,000 | 153.2% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $3,985,000 | $3,890,000 | -2.4% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $3,810,000 | $3,805,000 | -0.1% | 0.1% |
| AMERICAN FINANCING CORPORATION | $2,545,000 | $3,670,000 | 44.2% | 0.0% |
| Boeing Employees Credit Union | $4,045,000 | $3,605,000 | -10.9% | 0.0% |
| OCMBC, INC. | $3,215,000 | $3,590,000 | 11.7% | 0.0% |
| ALLIANT CREDIT UNION | $3,545,000 | n/a | 0.0% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $3,225,000 | $3,510,000 | 8.8% | 0.0% |
| SPRING EQ, LLC | $3,470,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $975,000 | $3,405,000 | 249.2% | 0.0% |
| BEEHIVE | $2,570,000 | $3,395,000 | 32.1% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $5,390,000 | $3,375,000 | -37.4% | 0.0% |
| First Federal Bank | $710,000 | $3,290,000 | 363.4% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,360,000 | $3,265,000 | 140.1% | 0.0% |
| NexBank | $3,125,000 | $3,260,000 | 4.3% | 0.0% |
| 1st Security Bank of Washington | $4,710,000 | $3,255,000 | -30.9% | 0.0% |
| HomeStreet Bank | $3,245,000 | n/a | 0.0% | |
| TruGrocer Federal Credit Union | $5,090,000 | $3,220,000 | -36.7% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $3,215,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $3,140,000 | n/a | 0.0% | |
| GOLDENWEST | $3,095,000 | $3,085,000 | -0.3% | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | $3,075,000 | n/a | 0.0% | |
| PLUS RELOCATION MORTGAGE, LLC | $2,990,000 | n/a | 0.0% | |
| M&T Bank | $530,000 | $2,770,000 | 422.6% | 0.0% |
| NEW DAY FINANCIAL, LLC | $3,200,000 | $2,695,000 | -15.8% | 0.0% |
| Northwest Farm Credit Services, FLCA | $3,965,000 | $2,680,000 | -32.4% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $35,860,000 | $2,660,000 | -92.6% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,405,000 | $2,595,000 | 84.7% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $2,145,000 | $2,580,000 | 20.3% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,605,000 | $2,530,000 | -29.8% | 0.0% |
| Goldman Sachs Bank USA | $2,420,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $850,000 | $2,400,000 | 182.4% | 0.0% |
| EVERETT FINANCIAL, INC. | $5,470,000 | $2,315,000 | -57.7% | 0.0% |
| CARDINAL FINANCIAL | $6,570,000 | $2,300,000 | -65.0% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $2,145,000 | $2,245,000 | 4.7% | 0.0% |
| DAS Acquisition Company, LLC | $445,000 | $2,240,000 | 403.4% | 0.0% |
| Northpointe Bank | $8,775,000 | $2,225,000 | -74.6% | 0.0% |
| Magnolia Bank | $2,070,000 | $2,160,000 | 4.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $135,000 | $2,145,000 | 1,488.9% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $5,770,000 | $2,095,000 | -63.7% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $205,000 | $2,090,000 | 919.5% | 0.0% |
| Encompass Lending Group, LP | $2,085,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $2,060,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $245,000 | $2,055,000 | 738.8% | 0.0% |
| Cornerstone First Mortgage, Inc | $740,000 | $2,040,000 | 175.7% | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | $2,665,000 | $2,040,000 | -23.5% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $455,000 | $2,035,000 | 347.3% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $1,910,000 | $2,020,000 | 5.8% | 0.0% |
| CLEARPATH LENDING | $2,235,000 | $1,960,000 | -12.3% | 0.0% |
| Nations Lending Corporation | $2,760,000 | $1,960,000 | -29.0% | 0.0% |
| NBH Bank | $6,500,000 | $1,955,000 | -69.9% | 0.0% |
| PREMIA MORTGAGE, LLC | $485,000 | $1,930,000 | 297.9% | 0.0% |
| INFINITY EQUITY GROUP, INC. | $445,000 | $1,850,000 | 315.7% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $425,000 | $1,845,000 | 334.1% | 0.0% |
| MORTGAGEONE, INC. | $245,000 | $1,830,000 | 646.9% | 0.0% |
| ROGUE | $2,070,000 | $1,830,000 | -11.6% | 0.0% |
| Truist | $2,960,000 | $1,820,000 | -38.5% | 0.0% |
| ZILLOW HOME LOANS, LLC | $4,025,000 | $1,820,000 | -54.8% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $880,000 | $1,735,000 | 97.2% | 0.0% |
| PRIORITY HOME LENDING, LLC | $405,000 | $1,730,000 | 327.2% | 0.0% |
| AmeriHome Mortgage Company, LLC | $1,120,000 | $1,705,000 | 52.2% | 0.0% |
| Ent Credit Union | $1,655,000 | n/a | 0.0% | |
| ONY GLO, INC. | $1,590,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,410,000 | $1,570,000 | 11.3% | 0.0% |
| RBC Bank, (Georgia) | $1,545,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,495,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $1,315,000 | $1,465,000 | 11.4% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $55,000 | $1,385,000 | 2,418.2% | 0.0% |
| BELEM SERVICING LLC | $800,000 | $1,375,000 | 71.9% | 0.0% |
| Firefighters First Federal Credit Union | $4,830,000 | $1,275,000 | -73.6% | 0.0% |
| FIRST COMMUNITY | $1,255,000 | n/a | 0.0% | |
| NMSI, INC. | $125,000 | $1,220,000 | 876.0% | 0.0% |
| EAST IDAHO Credit Union | $905,000 | $1,205,000 | 33.1% | 0.0% |
| T2 FINANCIAL LLC | $620,000 | $1,170,000 | 88.7% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $1,150,000 | n/a | 0.0% | |
| TOWER | $145,000 | $1,140,000 | 686.2% | 0.0% |
| BM Real Estate Services, Inc. | $1,120,000 | n/a | 0.0% | |
| City National Bank | $715,000 | $1,115,000 | 55.9% | 0.0% |
| Strong Home Mortgage, LLC | $1,105,000 | n/a | 0.0% | |
| HomeTrust Bank | $4,165,000 | $1,075,000 | -74.2% | 0.0% |
| Logan Finance Corporation | $1,670,000 | $1,075,000 | -35.6% | 0.0% |
| Heritage Bank | $820,000 | $1,060,000 | 29.3% | 0.0% |
| EMBRACE HOME LOANS, INC. | $1,030,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $1,815,000 | $1,020,000 | -43.8% | 0.0% |
| Raymond James Bank | $6,260,000 | $1,010,000 | -83.9% | 0.0% |
| Royal Business Bank | $1,005,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $1,000,000 | $1,005,000 | 0.5% | 0.0% |
| KINECTA | $3,320,000 | $985,000 | -70.3% | 0.0% |
| The Central Trust Bank | $1,765,000 | $985,000 | -44.2% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $475,000 | $970,000 | 104.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $610,000 | $930,000 | 52.5% | 0.0% |
| Leader Bank | $915,000 | n/a | 0.0% | |
| MidFirst Bank | $235,000 | $915,000 | 289.4% | 0.0% |
| A&D Mortgage LLC | $675,000 | $895,000 | 32.6% | 0.0% |
| Gateway First Bank | $15,910,000 | $895,000 | -94.4% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $2,890,000 | $890,000 | -69.2% | 0.0% |
| Home Mortgage Alliance Corp | $890,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $1,440,000 | $885,000 | -38.5% | 0.0% |
| Bethpage Federal Credit Union | $690,000 | $865,000 | 25.4% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $550,000 | $860,000 | 56.4% | 0.0% |
| Ameris Bank | $1,275,000 | $850,000 | -33.3% | 0.0% |
| Heritage Bank | $820,000 | $850,000 | 3.7% | 0.0% |
| Eagle Bank and Trust Company | $1,740,000 | $835,000 | -52.0% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $810,000 | n/a | 0.0% | |
| GESA | $810,000 | n/a | 0.0% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $795,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $765,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $405,000 | $740,000 | 82.7% | 0.0% |
| ADVANCIAL | $720,000 | n/a | 0.0% | |
| COLUMBIA COMMUNITY CREDIT UNION | $275,000 | $695,000 | 152.7% | 0.0% |
| AHL FUNDING | $680,000 | n/a | 0.0% | |
| RANLIFE, INC. | $395,000 | $680,000 | 72.2% | 0.0% |
| Old National Bank | $315,000 | $650,000 | 106.3% | 0.0% |
| EVANSVILLE TEACHERS | $635,000 | n/a | 0.0% | |
| The Bank of Commerce | $10,320,000 | $635,000 | -93.8% | 0.0% |
| Wallick & Volk, Inc. | $315,000 | $635,000 | 101.6% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $630,000 | n/a | 0.0% | |
| Citizens Bank | $1,105,000 | $615,000 | -44.3% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $555,000 | n/a | 0.0% | |
| Armed Forces Bank | $375,000 | $545,000 | 45.3% | 0.0% |
| First State Bank of St. Charles, Missouri | $545,000 | $545,000 | 0.0% | 0.0% |
| LENDINGONE, LLC | $205,000 | $525,000 | 156.1% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,655,000 | $515,000 | -68.9% | 0.0% |
| Prosperity Bank | $515,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $290,000 | $505,000 | 74.1% | 0.0% |
| Credence Funding Corporation | $505,000 | n/a | 0.0% | |
| Florida Capital Bank | $505,000 | n/a | 0.0% | |
| Financial Partners Credit Union | $485,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $485,000 | n/a | 0.0% | |
| Rivermark Community Credit Union | $430,000 | $470,000 | 9.3% | 0.0% |
| First Savings Bank | $800,000 | $455,000 | -43.1% | 0.0% |
| Goldwater Bank, N.A. | $255,000 | $455,000 | 78.4% | 0.0% |
| Lakeview Community Capital, LLC | $455,000 | n/a | 0.0% | |
| Arvest Bank | $195,000 | $445,000 | 128.2% | 0.0% |
| HighTechLending Inc | $595,000 | $445,000 | -25.2% | 0.0% |
| Granite Community Bank | $435,000 | n/a | 0.0% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $295,000 | $425,000 | 44.1% | 0.0% |
| Deere Employees Credit Union | $320,000 | $425,000 | 32.8% | 0.0% |
| HOMESTEAD FUNDING CORP. | $425,000 | n/a | 0.0% | |
| SUMMIT MORTGAGE CORPORATION | $425,000 | n/a | 0.0% | |
| BOKF | $415,000 | n/a | 0.0% | |
| DIRECT MORTGAGE, CORP. | $1,150,000 | $415,000 | -63.9% | 0.0% |
| Prosperity Home Mortgage, LLC | $1,315,000 | $415,000 | -68.4% | 0.0% |
| 5TH STREET CAPITAL, INC. | $405,000 | n/a | 0.0% | |
| COAST 2 COAST FUNDING GROUP, INC. | $405,000 | n/a | 0.0% | |
| Kirkwood Bank & Trust Co. | $405,000 | n/a | 0.0% | |
| Opportunity Bank of Montana | $2,480,000 | $405,000 | -83.7% | 0.0% |
| SCENIC OAKS FUNDING, INC. | $395,000 | n/a | 0.0% | |
| TRUWEST Credit Union | $395,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $405,000 | $385,000 | -4.9% | 0.0% |
| First National Bank of America | $295,000 | $375,000 | 27.1% | 0.0% |
| Wyoming Bank & Trust | $375,000 | n/a | 0.0% | |
| First Western Federal Savings Bank | $370,000 | n/a | 0.0% | |
| First Western Trust Bank | $345,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $9,580,000 | $340,000 | -96.5% | 0.0% |
| Texana Bank | $335,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $105,000 | $325,000 | 209.5% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $770,000 | $325,000 | -57.8% | 0.0% |
| Network Funding, L.P. | $315,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $825,000 | $315,000 | -61.8% | 0.0% |
| Victorian Finance, LLC | $315,000 | n/a | 0.0% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $305,000 | n/a | 0.0% | |
| LPMC, LLC | $305,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $3,785,000 | $305,000 | -91.9% | 0.0% |
| UNITED MORTGAGE CORP | $305,000 | n/a | 0.0% | |
| Baxter Credit Union | $285,000 | $300,000 | 5.3% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $550,000 | $295,000 | -46.4% | 0.0% |
| Northwest Bank | $285,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $4,065,000 | $275,000 | -93.2% | 0.0% |
| SECURITY HOME MORTGAGE, LLC. | $1,095,000 | $265,000 | -75.8% | 0.0% |
| University Bank | $255,000 | n/a | 0.0% | |
| Fidelity Bank | $245,000 | n/a | 0.0% | |
| Stockman Bank of Montana | $245,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $195,000 | $235,000 | 20.5% | 0.0% |
| GTE Federal Credit Union | $2,625,000 | $230,000 | -91.2% | 0.0% |
| FARMERS BANK | $250,000 | $225,000 | -10.0% | 0.0% |
| USAlliance Federal Credit Union | $225,000 | n/a | 0.0% | |
| Crestline Funding Corporation | $205,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $1,665,000 | $205,000 | -87.7% | 0.0% |
| SPOKANE TEACHERS | $650,000 | $205,000 | -68.5% | 0.0% |
| WESTERN VISTA | $185,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $1,145,000 | $175,000 | -84.7% | 0.0% |
| Qualstar Credit Union | $175,000 | n/a | 0.0% | |
| Axos Bank | $165,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $65,000 | $165,000 | 153.8% | 0.0% |
| NUMERICA CREDIT UNION | $28,760,000 | $165,000 | -99.4% | 0.0% |
| CHEVRON | $560,000 | $155,000 | -72.3% | 0.0% |
| Regions Bank | $95,000 | $135,000 | 42.1% | 0.0% |
| Centier Bank | $935,000 | $130,000 | -86.1% | 0.0% |
| Bloomsdale Bank | $105,000 | n/a | 0.0% | |
| PREMIER AMERICA | $105,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $105,000 | n/a | 0.0% | |
| Unitus Community Credit Union | $100,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $550,000 | $95,000 | -82.7% | 0.0% |
| STAR USA FEDERAL CREDIT UNION | $140,000 | $95,000 | -32.1% | 0.0% |
| NuVision Federal Credit Union | $1,115,000 | $85,000 | -92.4% | 0.0% |
| Watermark Capital, Inc. | $1,465,000 | $75,000 | -94.9% | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $195,000 | $25,000 | -87.2% | 0.0% |
BOISE CITY's top lender by overall market share is IDAHO CENTRAL, with 13.5% market share. In second place, with 7.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $552,875,000 in loans. In third place, with 5.0%, is JONES LANG LASALLE MULTIFAMILY, LLC, having originated $373,795,000 in loans. In fourth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $360,425,000 in loans. In fifth place, with 4.2%, is GUILD MORTGAGE COMPANY, having originated $315,115,000 in loans.
BOISE CITY, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 12,751 | $5,128,085,000 | $402,171 |
| Cash Out Refi | 3,177 | $1,015,715,000 | $319,709 |
| Home Improvement | 2,858 | $352,310,000 | $123,272 |
| Refi | 1,695 | $735,015,000 | $433,637 |
| Other | 1,409 | $181,565,000 | $128,861 |
| NA | 8 | $2,490,000 | $311,250 |
Boise City's most frequently cited loan purpose was Home Purchase, with 12,751 originations. The 2nd most popular reason was Cash Out Refi, with 3,177 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 8,013 | $3,610,315,000 | $450,557 |
| Over 8% | 4,863 | $621,255,000 | $127,751 |
| 5-6% | 3,961 | $1,674,285,000 | $422,693 |
| 7-8% | 3,951 | $1,173,505,000 | $297,015 |
| 4-5% | 643 | $235,255,000 | $365,871 |
| <2.5% | 47 | $6,385,000 | $135,851 |
| 3-4% | 36 | $30,430,000 | $845,278 |
| 2.5-3% | 32 | $13,130,000 | $410,313 |
During 2024, Boise City's most frequently originated rate bucket was 6-7%, with 8,013 originations.
Loan Sizing (BOISE CITY, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 8,002 | $2,490,480,000 | $311,232 |
| $400k-600k | 4,687 | $2,222,455,000 | $474,174 |
| $100,000 or less | 4,491 | $229,605,000 | $51,126 |
| $100k-200k | 2,965 | $416,205,000 | $140,373 |
| $600k-1000k | 1,452 | $1,049,130,000 | $722,541 |
| $Over $1MM | 301 | $1,007,305,000 | $3,346,528 |
BOISE CITY's loan sizing saw the bucket of loans from $200k-400k with 8,002 originations, totaling $2,490,480,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 7,028 | $3,135,520,000 | $446,147 |
| Under 20% | 4,566 | $290,200,000 | $63,557 |
| 60-80% | 4,144 | $1,906,520,000 | $460,068 |
| 20-40% | 2,918 | $568,860,000 | $194,949 |
| 40-60% | 2,457 | $925,875,000 | $376,832 |
| Over 100% | 265 | $474,705,000 | $1,791,340 |
BOISE CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 7,028 originations, totaling $3,135,520,000 in origination value.