BOISE CITY Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Boise City averaged
2.98%
for the week of 2021-12-02, compared to the national average of
3.11% for the same period.
The average rate for the prior week (2021-11-24) was
3.17% and
one month ago for the week of 2021-10-28, the
average rate was 3.41%.
Boise City's average rate one year ago was 2.79%.
For refis of the same type during the week of 2021-12-02, the average rate
was 3.15%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2021-12-02 | 3.11% |
| Boise City 30 Year Fixed Rate | 2021-12-02 | 2.98% |
| Boise City 30 Year Fixed Rate Refi | 2021-12-02 | 3.15% |
| Boise City 15 Year Fixed Rate | 2021-12-02 | 2.69% |
| Boise City 15 Year Fixed Rate Refi | 2021-12-02 | 2.72% |
| Boise City 30 Year FHA | 2021-12-02 | 3.62% |
| Boise City 30 Year FHA Refi | 2021-12-02 | 3.14% |
| Boise City 30 Year USDA | 2021-12-02 | 3.15% |
| Boise City 30 Year USDA Refi | 2021-12-02 | 3.67% |
| Boise City 30 Year VA | 2021-12-02 | 2.96% |
| Boise City 30 Year VA Refi | 2021-12-02 | 3.08% |
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 lendor, 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, ID's 324 lenders originated 62,852
loans during 2020. The total origination value was $16,215,880,000, with an average loan value of
$258,001.
The top BOISE CITY lender as defined by loan originations is IDAHO CENTRAL, with
4,295 loans originated. Their average total fees are
$5,066, which is $1,098
lower than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee BOISE CITY lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($795), SIRVA MORTGAGE, INC. ($1,220), IMPAC MORTGAGE CORP. ($1,675), SUN WEST MORTGAGE COMPANY, INC. ($1,795) and LENDERFI, INC. ($2,266).
The lowest rate BOISE CITY lenders (with over 10 loans originated) are
CONNECTIONS (2.72%), AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC (2.79%), Eagle Bank and Trust Company (2.80%), LENDERFI, INC. (2.81%) and First Internet Bank of Indiana (2.84%).
BOISE CITY, ID Lender 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 | 2019 Loan Value | 2020 Loan Value | % Change | 2020 Market Share |
|---|---|---|---|---|
| Idaho Central Credit Union | $1,344,620,000 | $2,132,990,000 | 58.6% | 13.2% |
| FAIRWAY INDEPENDENT MORT CORP | $630,230,000 | $1,003,045,000 | 59.2% | 6.2% |
| Quicken Loans | $506,790,000 | $995,485,000 | 96.4% | 6.1% |
| Academy Mortgage Corporation | $397,740,000 | $664,490,000 | 67.1% | 4.1% |
| Guild Mortgage Company | $322,590,000 | $644,970,000 | 99.9% | 4.0% |
| MOVEMENT MORTGAGE, LLC | $205,850,000 | $402,160,000 | 95.4% | 2.5% |
| Flagstar Bank | $193,860,000 | $380,965,000 | 96.5% | 2.3% |
| US BANK, N.A. | $251,545,000 | $365,075,000 | 45.1% | 2.3% |
| Evergreen Moneysource Mortgage Company | $189,215,000 | $339,205,000 | 79.3% | 2.1% |
| United Shore Financial Services LLC | $223,105,000 | $334,205,000 | 49.8% | 2.1% |
| PRIMELENDING | $181,545,000 | $331,825,000 | 82.8% | 2.0% |
| Premier Mortgage Resources LLC | $142,960,000 | $291,445,000 | 103.9% | 1.8% |
| Freedom Mortgage Corporation | $91,055,000 | $287,295,000 | 215.5% | 1.8% |
| Willamette Valley Bank | $167,850,000 | $280,295,000 | 67.0% | 1.7% |
| Finance of America Mortgage LLC | $152,930,000 | $270,720,000 | 77.0% | 1.7% |
| Guaranteed Rate Inc. | $164,985,000 | $261,485,000 | 58.5% | 1.6% |
| KeyBank National Association | $158,765,000 | $230,890,000 | 45.4% | 1.4% |
| loanDepot LLC | $95,630,000 | $216,280,000 | 126.2% | 1.3% |
| Mountain America Credit Union | $137,755,000 | $214,990,000 | 56.1% | 1.3% |
| WELLS FARGO BANK NA | $258,020,000 | $212,955,000 | -17.5% | 1.3% |
| Caliber Home Loans Inc | $99,730,000 | $201,510,000 | 102.1% | 1.2% |
| American Pacific Mortgage Corporation | $107,990,000 | $177,375,000 | 64.3% | 1.1% |
| Waterstone Mortgage Corp | $99,830,000 | $176,630,000 | 76.9% | 1.1% |
| Synergy One Lending | $213,900,000 | $159,700,000 | -25.3% | 1.0% |
| HomeBridge Financial Services, Inc. | $60,290,000 | $155,425,000 | 157.8% | 1.0% |
| Capital Educators Fed CU | $124,815,000 | $149,015,000 | 19.4% | 0.9% |
| JPMorgan Chase Bank, NA | $132,445,000 | $145,660,000 | 10.0% | 0.9% |
| GATEWAY MORTGAGE GROUP | $41,460,000 | $129,160,000 | 211.5% | 0.8% |
| D. L. Evans Bank | $49,770,000 | $123,185,000 | 147.5% | 0.8% |
| TBI Mortgage Company | $84,155,000 | $118,445,000 | 40.7% | 0.7% |
| Primary Residential Mortgage Inc. | $44,200,000 | $115,505,000 | 161.3% | 0.7% |
| Summit Funding Inc. | $42,115,000 | $111,670,000 | 165.2% | 0.7% |
| ZB, N.A. | $78,510,000 | $101,660,000 | 29.5% | 0.6% |
| CalCon Mutual Mortgage LLC | $33,675,000 | $99,655,000 | 195.9% | 0.6% |
| Lakeview Loan Servicing, LLC | $25,220,000 | $99,320,000 | 293.8% | 0.6% |
| Glacier Bank | $68,300,000 | $96,500,000 | 41.3% | 0.6% |
| Amerisave Mortgage Corporation | $22,035,000 | $94,710,000 | 329.8% | 0.6% |
| Nationstar Mortgage | $63,705,000 | $89,870,000 | 41.1% | 0.6% |
| Mortgage Research Center LLC | $56,620,000 | $88,870,000 | 57.0% | 0.5% |
| First Federal Savings Bank of Twin Falls | $45,270,000 | $85,090,000 | 88.0% | 0.5% |
| Berkadia Commercial Mortgage | $84,925,000 | n/a | 0.5% | |
| Washington Trust Bank | $95,905,000 | $84,100,000 | -12.3% | 0.5% |
| PENNYMAC LOAN SERVICES LLC | $60,280,000 | $82,685,000 | 37.2% | 0.5% |
| CMG Mortgage Inc. | $51,445,000 | $81,405,000 | 58.2% | 0.5% |
| Better Mortgage Corporation | $8,475,000 | $80,800,000 | 853.4% | 0.5% |
| FIRST INTERSTATE BANK | $59,175,000 | $76,815,000 | 29.8% | 0.5% |
| Washington Federal | $50,435,000 | $75,260,000 | 49.2% | 0.5% |
| WALKER & DUNLOP, LLC | $25,445,000 | $75,235,000 | 195.7% | 0.5% |
| First Home Bank | $6,600,000 | $71,695,000 | 986.3% | 0.4% |
| USAA FEDERAL SAVINGS BANK | $90,550,000 | $71,625,000 | -20.9% | 0.4% |
| Amcap Mortgage Ltd. | $31,415,000 | $70,185,000 | 123.4% | 0.4% |
| Bank of Idaho | $19,255,000 | $65,605,000 | 240.7% | 0.4% |
| Umpqua Bank | $45,535,000 | $65,240,000 | 43.3% | 0.4% |
| Castle & Cooke Mortgage LLC | $34,170,000 | $61,785,000 | 80.8% | 0.4% |
| Bank of England | $39,690,000 | $60,260,000 | 51.8% | 0.4% |
| Ark-La-Tex Financial Services LLC | $21,480,000 | $57,765,000 | 168.9% | 0.4% |
| Icon Credit Union | $41,740,000 | $57,340,000 | 37.4% | 0.4% |
| New American Funding (dba for Broker Solutions Inc) | $27,155,000 | $57,040,000 | 110.1% | 0.4% |
| LoanPal | $26,050,000 | $56,415,000 | 116.6% | 0.3% |
| Keller Mortgage LLC | $32,360,000 | $56,245,000 | 73.8% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $40,780,000 | $55,135,000 | 35.2% | 0.3% |
| NEWREZ LLC | $16,535,000 | $54,780,000 | 231.3% | 0.3% |
| Supreme Lending/ Everett Financial Inc. | $18,990,000 | $52,155,000 | 174.6% | 0.3% |
| Pioneer Federal Credit Union | $15,915,000 | $51,060,000 | 220.8% | 0.3% |
| NBKC Bank | $24,165,000 | $50,530,000 | 109.1% | 0.3% |
| Axia Financial LLC | $29,965,000 | $49,640,000 | 65.7% | 0.3% |
| Summit Mortgage Corporation | $810,000 | $48,395,000 | 5,874.7% | 0.3% |
| Banner Bank | $38,700,000 | $45,925,000 | 18.7% | 0.3% |
| Horizon Credit Union | $45,920,000 | n/a | 0.3% | |
| American Financial Network Inc. | $16,325,000 | $44,540,000 | 172.8% | 0.3% |
| Village Capital & Investment | $715,000 | $41,545,000 | 5,710.5% | 0.3% |
| First Technology Credit Union | $38,075,000 | $38,930,000 | 2.2% | 0.2% |
| Bank of America NA | $40,660,000 | $38,125,000 | -6.2% | 0.2% |
| NewDay Financial LLC dba NewDay USA | $18,960,000 | $37,285,000 | 96.7% | 0.2% |
| Wyndham Capital Mortgage | $8,125,000 | $36,930,000 | 354.5% | 0.2% |
| Westmark Credit Union | $25,355,000 | $35,665,000 | 40.7% | 0.2% |
| Clearpath Lending | $18,870,000 | $35,390,000 | 87.5% | 0.2% |
| First Mortgage Company, Inc | $11,340,000 | $34,460,000 | 203.9% | 0.2% |
| Pacific Residential Mortgage LLC | $15,160,000 | $32,945,000 | 117.3% | 0.2% |
| North American Savings Bank | $12,105,000 | $28,395,000 | 134.6% | 0.2% |
| FirstBank | $17,800,000 | $27,560,000 | 54.8% | 0.2% |
| The Federal Savings Bank | $17,565,000 | $27,210,000 | 54.9% | 0.2% |
| Bay Equity LLC | $17,420,000 | $26,930,000 | 54.6% | 0.2% |
| Sun West Mortgage Company Inc. | $6,830,000 | $26,825,000 | 292.8% | 0.2% |
| JMJ Financial Group Inc. | $5,940,000 | $26,285,000 | 342.5% | 0.2% |
| Cherry Creek Mortgage Co. Inc. | $21,400,000 | $25,155,000 | 17.5% | 0.2% |
| Home Point Financial Corporation | $5,235,000 | $25,105,000 | 379.6% | 0.2% |
| CONNECTIONS CREDIT UNION | $8,160,000 | $23,525,000 | 188.3% | 0.1% |
| BANK OF THE WEST | $22,940,000 | $22,635,000 | -1.3% | 0.1% |
| Parkside Lending LLC | $490,000 | $22,275,000 | 4,445.9% | 0.1% |
| Idaho First Bank | $56,720,000 | $22,170,000 | -60.9% | 0.1% |
| Cardinal Financial Company LP | $10,355,000 | $21,620,000 | 108.8% | 0.1% |
| Citywide Home Loans A Utah Corporation | $48,260,000 | $21,065,000 | -56.4% | 0.1% |
| Geneva Financial LLC | $14,450,000 | $20,625,000 | 42.7% | 0.1% |
| Jones Lang LaSalle Multifamily | $20,105,000 | n/a | 0.1% | |
| Planet Home Lending LLC | $10,425,000 | $18,855,000 | 80.9% | 0.1% |
| Finance of America Reverse LLC | $7,875,000 | $18,790,000 | 138.6% | 0.1% |
| CBRE Multifamily Capital, Inc. | $18,655,000 | n/a | 0.1% | |
| First Colony Mortgage Corporation | $16,140,000 | $18,510,000 | 14.7% | 0.1% |
| HomeStreet Bank | $94,155,000 | $18,020,000 | -80.9% | 0.1% |
| CARRINGTON MORTGAGE SERVICES | $21,110,000 | $17,835,000 | -15.5% | 0.1% |
| Stearns Lending | $11,170,000 | $17,265,000 | 54.6% | 0.1% |
| AAG | $11,270,000 | $17,200,000 | 52.6% | 0.1% |
| Land Home Financial Services Inc. | $740,000 | $15,425,000 | 1,984.5% | 0.1% |
| American Financing Corporation | $9,535,000 | $14,930,000 | 56.6% | 0.1% |
| AimLoan.com | $12,770,000 | $14,910,000 | 16.8% | 0.1% |
| Churchill Mortgage Corporation | $8,605,000 | $14,480,000 | 68.3% | 0.1% |
| UBS Bank USA | $7,750,000 | $14,460,000 | 86.6% | 0.1% |
| First Guaranty Mortgage Corporation | $3,955,000 | $14,150,000 | 257.8% | 0.1% |
| Nudge Funding LLC | $13,440,000 | n/a | 0.1% | |
| Charles Schwab Bank | $6,255,000 | $13,225,000 | 111.4% | 0.1% |
| Barrington Bank & Trust | $6,695,000 | $13,140,000 | 96.3% | 0.1% |
| Berkeley Point Capital, LLC | $12,300,000 | n/a | 0.1% | |
| Northpointe Bank | $8,060,000 | $12,135,000 | 50.6% | 0.1% |
| Paramount Residential Mortgage Group Inc. | $21,830,000 | $11,985,000 | -45.1% | 0.1% |
| Watermark Home Loans | $5,525,000 | $11,890,000 | 115.2% | 0.1% |
| TIAA, FSB | $9,155,000 | $11,310,000 | 23.5% | 0.1% |
| Morgan Stanley Private Bank NA | $6,250,000 | $11,060,000 | 77.0% | 0.1% |
| Low VA Rates | $4,130,000 | $11,015,000 | 166.7% | 0.1% |
| Provident Funding Associates | $8,490,000 | $11,000,000 | 29.6% | 0.1% |
| American Neighborhood Mortgage dba AnnieMac Home Mortgage | $10,795,000 | n/a | 0.1% | |
| BNC NATIONAL BANK | $5,935,000 | $10,240,000 | 72.5% | 0.1% |
| Columbia State Bank | $5,210,000 | $9,995,000 | 91.8% | 0.1% |
| PHH MORTGAGE CORPORATION | $1,635,000 | $9,745,000 | 496.0% | 0.1% |
| Sovereign Lending Group, Inc | $7,215,000 | $9,530,000 | 32.1% | 0.1% |
| PNC BANK NA | $14,245,000 | $9,110,000 | -36.0% | 0.1% |
| Sierra Pacific Mortgage | $29,920,000 | $8,995,000 | -69.9% | 0.1% |
| Stifel Bank and Trust | $5,705,000 | $8,905,000 | 56.1% | 0.1% |
| America First Federal Credit Union | $8,305,000 | $8,590,000 | 3.4% | 0.1% |
| Prime Choice Funding, Inc. | $6,820,000 | $8,585,000 | 25.9% | 0.1% |
| Impac Mortgage Corp. dba CashCall Mortgage | $11,200,000 | $8,415,000 | -24.9% | 0.1% |
| Pentagon Federal Credit Union | $2,730,000 | $8,180,000 | 199.6% | 0.1% |
| Magnolia Bank Incorporated | $5,155,000 | $7,750,000 | 50.3% | 0.0% |
| Veritas Funding LLC | $7,665,000 | n/a | 0.0% | |
| KS StateBank | $6,405,000 | $7,250,000 | 13.2% | 0.0% |
| Citibank, N.A. | $5,660,000 | $7,060,000 | 24.7% | 0.0% |
| Nations Lending Corporation | $3,130,000 | $6,870,000 | 119.5% | 0.0% |
| Dougherty Mortgage, LLC | $6,845,000 | n/a | 0.0% | |
| First Internet Bank | $5,490,000 | $6,785,000 | 23.6% | 0.0% |
| Branch Banking And Trust Co | $905,000 | $6,765,000 | 647.5% | 0.0% |
| SoFi Lending Corp | $3,820,000 | $6,720,000 | 75.9% | 0.0% |
| Intercap Lending Inc | $5,195,000 | $6,590,000 | 26.9% | 0.0% |
| Axos Bank | $1,715,000 | $6,555,000 | 282.2% | 0.0% |
| CBNA | $2,170,000 | $6,385,000 | 194.2% | 0.0% |
| MLD Mortgage Inc. | $2,535,000 | $6,285,000 | 147.9% | 0.0% |
| ARVEST BANK | $4,085,000 | $6,195,000 | 51.7% | 0.0% |
| Beehive Federal Credit Union | $3,795,000 | $6,090,000 | 60.5% | 0.0% |
| LenderFi, Inc. | $2,610,000 | $6,060,000 | 132.2% | 0.0% |
| TCF National Bank | $5,720,000 | $6,045,000 | 5.7% | 0.0% |
| Mortgage Lenders of America LLC | $560,000 | $6,030,000 | 976.8% | 0.0% |
| Embrace Home Loans, Inc. | $3,180,000 | $5,930,000 | 86.5% | 0.0% |
| SecurityNational Mortgage Company | $1,630,000 | $5,760,000 | 253.4% | 0.0% |
| Firefighters First Credit Union | $3,790,000 | $5,695,000 | 50.3% | 0.0% |
| Sirva Mortgage Inc. | $9,835,000 | $5,620,000 | -42.9% | 0.0% |
| Eagle Bank and Trust Company | $1,345,000 | $5,180,000 | 285.1% | 0.0% |
| Alaska USA Federal Credit Union | $5,755,000 | $5,175,000 | -10.1% | 0.0% |
| BOKF NA | $20,430,000 | $5,120,000 | -74.9% | 0.0% |
| Boeing Employees' Credit Union (BECU) | $3,810,000 | $5,110,000 | 34.1% | 0.0% |
| City National Bank | $1,320,000 | $4,920,000 | 272.7% | 0.0% |
| FIRST REPUBLIC BANK | $1,420,000 | $4,880,000 | 243.7% | 0.0% |
| Opportunity Bank of Montana | $2,365,000 | $4,785,000 | 102.3% | 0.0% |
| Mann Mortgage LLC | $1,875,000 | $4,535,000 | 141.9% | 0.0% |
| Alliant Credit Union | $1,835,000 | $4,435,000 | 141.7% | 0.0% |
| Farmers Bank & Trust | $4,220,000 | n/a | 0.0% | |
| Plains Commerce Bank | $4,060,000 | n/a | 0.0% | |
| LendSure Mortgage Corp | $955,000 | $4,020,000 | 320.9% | 0.0% |
| Mid America Mortgage Inc. | $870,000 | $4,020,000 | 362.1% | 0.0% |
| Finance of America Commercial LLC | $10,405,000 | $3,940,000 | -62.1% | 0.0% |
| James B. Nutter & Company | $1,535,000 | $3,790,000 | 146.9% | 0.0% |
| Sammamish Mortgage Company | $6,865,000 | $3,785,000 | -44.9% | 0.0% |
| Cf Bank National Association | $3,715,000 | $3,685,000 | -0.8% | 0.0% |
| Sunflower Bank, N.A. | $1,470,000 | $3,675,000 | 150.0% | 0.0% |
| Mortgage Solutions of Colorado LLC | $2,475,000 | $3,660,000 | 47.9% | 0.0% |
| Meridian Bank | $285,000 | $3,605,000 | 1,164.9% | 0.0% |
| LendUS LLC dba RPM Mortgage | $1,030,000 | $3,545,000 | 244.2% | 0.0% |
| Dignified Home Loans, LLC | $3,495,000 | n/a | 0.0% | |
| First Savings Bank | $7,180,000 | $3,495,000 | -51.3% | 0.0% |
| Merchants Bank of Indiana | $3,490,000 | n/a | 0.0% | |
| Florida Capital Bank National Association | $1,590,000 | $3,485,000 | 119.2% | 0.0% |
| Homestead Funding Corp. | $1,325,000 | $3,475,000 | 162.3% | 0.0% |
| Coast 2 Coast Funding Group Inc. | $3,465,000 | n/a | 0.0% | |
| Longbridge Financial, LLC | $1,830,000 | $3,425,000 | 87.2% | 0.0% |
| On Q Financial Inc. | $3,250,000 | $3,385,000 | 4.2% | 0.0% |
| NBH Bank | $1,665,000 | $3,375,000 | 102.7% | 0.0% |
| AmeriHomeMortgageCompany,LL | $870,000 | $3,295,000 | 278.7% | 0.0% |
| Discover Bank | $4,055,000 | $3,255,000 | -19.7% | 0.0% |
| Oceanside Mortgage Company | $2,495,000 | $3,240,000 | 29.9% | 0.0% |
| American Financial Resources Inc. | $3,765,000 | $3,230,000 | -14.2% | 0.0% |
| Reverse Mortgage Funding LLC | $1,190,000 | $3,195,000 | 168.5% | 0.0% |
| LIMA ONE CAPITAL, LLC | $3,180,000 | n/a | 0.0% | |
| Idaho State University FCU | $1,435,000 | $3,145,000 | 119.2% | 0.0% |
| COMPASS BANK | $1,630,000 | $3,130,000 | 92.0% | 0.0% |
| First Choice Loan Services Inc. | $10,780,000 | $3,115,000 | -71.1% | 0.0% |
| Franklin Loan Center | $3,105,000 | n/a | 0.0% | |
| 1st Security Bank of Washington | $1,675,000 | $3,085,000 | 84.2% | 0.0% |
| CIT BANK N.A. | $3,010,000 | n/a | 0.0% | |
| WEI Mortgage LLC | $1,335,000 | $2,960,000 | 121.7% | 0.0% |
| Guaranteed Rate Affinity LLC | $1,300,000 | $2,930,000 | 125.4% | 0.0% |
| Civic Financial Services | $2,890,000 | n/a | 0.0% | |
| Vision One Mortgage | $2,740,000 | n/a | 0.0% | |
| RANLife, Inc. | $1,050,000 | $2,735,000 | 160.5% | 0.0% |
| Mason-McDuffie Mortgage Corporation | $2,705,000 | n/a | 0.0% | |
| DHA Financial, LLC | $455,000 | $2,650,000 | 482.4% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $2,305,000 | $2,580,000 | 11.9% | 0.0% |
| Premia Mortgage, LLC | $3,790,000 | $2,555,000 | -32.6% | 0.0% |
| Weichert Financial Services | $2,520,000 | n/a | 0.0% | |
| Lenox Financial Mortgage Corp. | $590,000 | $2,460,000 | 316.9% | 0.0% |
| Great Southern Bank | $2,425,000 | n/a | 0.0% | |
| VanDyk Mortgage Corporation | $2,410,000 | n/a | 0.0% | |
| Huntington National Bank | $770,000 | $2,395,000 | 211.0% | 0.0% |
| Open Mortgage LLC | $750,000 | $2,365,000 | 215.3% | 0.0% |
| Amerifirst Financial Inc. | $1,845,000 | $2,325,000 | 26.0% | 0.0% |
| GSF Mortgage Corporation | $1,480,000 | $2,325,000 | 57.1% | 0.0% |
| Star One Credit Union | $1,150,000 | $2,305,000 | 100.4% | 0.0% |
| DIRECT MORTGAGE CORP | $500,000 | $2,205,000 | 341.0% | 0.0% |
| Belem Servicing, LLC dba Patriot Home Mortgage | $305,000 | $2,180,000 | 614.8% | 0.0% |
| Commerce Home Mortgage Inc. | $895,000 | $2,175,000 | 143.0% | 0.0% |
| Northwest Farm Credit Services, FLCA | $1,365,000 | $2,175,000 | 59.3% | 0.0% |
| Mid-Continent Funding, Inc. | $85,000 | $2,170,000 | 2,452.9% | 0.0% |
| Cstone Mortgage Inc | $1,440,000 | $2,165,000 | 50.3% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $5,490,000 | $2,060,000 | -62.5% | 0.0% |
| Goldwater Bank National Association | $29,160,000 | $2,035,000 | -93.0% | 0.0% |
| Texana Bank, N.A. | $2,000,000 | n/a | 0.0% | |
| United Security Financial | $990,000 | $2,000,000 | 102.0% | 0.0% |
| RENASANT BANK | $940,000 | $1,990,000 | 111.7% | 0.0% |
| Paramount Bank | $1,920,000 | $1,960,000 | 2.1% | 0.0% |
| RED MORTGAGE CAPITAL, LLC | $3,185,000 | $1,955,000 | -38.6% | 0.0% |
| Advantage Plus FCU | $725,000 | $1,945,000 | 168.3% | 0.0% |
| Oaktree Funding Corporation | $1,885,000 | n/a | 0.0% | |
| Numerica Credit Union | $280,000 | $1,855,000 | 562.5% | 0.0% |
| Intercontinental Capital Group, Inc. | $295,000 | $1,730,000 | 486.4% | 0.0% |
| Rivermark Community Credit Union | $815,000 | $1,705,000 | 109.2% | 0.0% |
| Solarity Credit Union | $1,645,000 | n/a | 0.0% | |
| Plaza Home Mortgage Inc. | $1,390,000 | $1,620,000 | 16.5% | 0.0% |
| Baxter Credit Union | $820,000 | $1,605,000 | 95.7% | 0.0% |
| Unitus Community Credit Union | $540,000 | $1,590,000 | 194.4% | 0.0% |
| First Federal Bank of Kansas City | $4,575,000 | $1,575,000 | -65.6% | 0.0% |
| Bank of Utah | $470,000 | $1,560,000 | 231.9% | 0.0% |
| Toyota Financial Savings Bank | $1,755,000 | $1,550,000 | -11.7% | 0.0% |
| Envoy Mortgage Ltd. | $195,000 | $1,545,000 | 692.3% | 0.0% |
| Evolve Bank & Trust | $1,515,000 | n/a | 0.0% | |
| Cache Valley Bank | $1,390,000 | $1,510,000 | 8.6% | 0.0% |
| Thrivent Federal Credit Union | $275,000 | $1,505,000 | 447.3% | 0.0% |
| BLUELEAF LENDING, LLC | $1,490,000 | n/a | 0.0% | |
| Los Angeles Police Federal Credit Union | $1,165,000 | $1,490,000 | 27.9% | 0.0% |
| CAPITAL BANK, NA | $1,450,000 | $1,445,000 | -0.3% | 0.0% |
| Residential Mortgage LLC | $345,000 | $1,430,000 | 314.5% | 0.0% |
| Credit Human Federal Credit Union | $965,000 | $1,365,000 | 41.5% | 0.0% |
| Prime Mortgage Lending Inc. | $470,000 | $1,350,000 | 187.2% | 0.0% |
| First Western Trust Bank | $1,325,000 | n/a | 0.0% | |
| Liberty Home Equity Solutions, Inc. | $5,935,000 | $1,315,000 | -77.8% | 0.0% |
| FIRST NATIONAL BANK OF AMERICA | $1,175,000 | $1,300,000 | 10.6% | 0.0% |
| Summit Mortgage Corporation | $810,000 | $1,295,000 | 59.9% | 0.0% |
| Citadel Servicing Corporation | $800,000 | $1,260,000 | 57.5% | 0.0% |
| Greenbox Loans Inc. | $1,250,000 | n/a | 0.0% | |
| The Northern Trust Company | $1,250,000 | n/a | 0.0% | |
| CITY 1ST MORTGAGE SERVICES, LC | $1,230,000 | n/a | 0.0% | |
| Colonial Savings | $1,225,000 | n/a | 0.0% | |
| Wescom Central Credit Union | $320,000 | $1,190,000 | 271.9% | 0.0% |
| Platinum Home Mortgage Corporation | $370,000 | $1,180,000 | 218.9% | 0.0% |
| Connexus Credit Union | $1,175,000 | n/a | 0.0% | |
| The Union Bank Company | $295,000 | $1,175,000 | 298.3% | 0.0% |
| BMO Harris Bank N.A. | $765,000 | $1,170,000 | 52.9% | 0.0% |
| Bay Valley Mortgage Group DBA Pacific Bay Lending Group | $1,210,000 | $1,165,000 | -3.7% | 0.0% |
| Citizens Equity First Credit Union (CEFCU) | $540,000 | $1,160,000 | 114.8% | 0.0% |
| Wings Financial Credit Union | $605,000 | $1,090,000 | 80.2% | 0.0% |
| Capstone Direct Inc. | $1,045,000 | n/a | 0.0% | |
| Draper and Kramer Mortgage Corp. | $755,000 | $1,035,000 | 37.1% | 0.0% |
| 21ST MORTGAGE | $855,000 | $1,020,000 | 19.3% | 0.0% |
| NFM, Inc. | $1,020,000 | n/a | 0.0% | |
| Quorum Federal Credit Union | $535,000 | $1,020,000 | 90.7% | 0.0% |
| M&T Bank | $2,225,000 | $1,000,000 | -55.1% | 0.0% |
| Deere Employees Credit Union | $980,000 | n/a | 0.0% | |
| HSBC BANK USA, NA | $505,000 | $950,000 | 88.1% | 0.0% |
| Raymond James Bank National Association | $920,000 | $940,000 | 2.2% | 0.0% |
| My Move Mortgage LLC dba Momentum Loans | $785,000 | $930,000 | 18.5% | 0.0% |
| Essex Mortgage | $1,340,000 | $915,000 | -31.7% | 0.0% |
| Presidential Bank FSB | $445,000 | $890,000 | 100.0% | 0.0% |
| IBERIABANK | $375,000 | $870,000 | 132.0% | 0.0% |
| LeaderOne Financial Corp. | $1,280,000 | $815,000 | -36.3% | 0.0% |
| First Midwest Bank | $810,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $810,000 | n/a | 0.0% | |
| AUSTIN CAPITAL BANK SSB | $850,000 | $805,000 | -5.3% | 0.0% |
| Mortgage Management Consultants, Inc. | $805,000 | n/a | 0.0% | |
| OakStar Bank | $800,000 | n/a | 0.0% | |
| BM REAL ESTATE SERVICES, INC. | $460,000 | $790,000 | 71.7% | 0.0% |
| HighTechLending Inc. | $785,000 | n/a | 0.0% | |
| Security Home Mortgage | $2,165,000 | $785,000 | -63.7% | 0.0% |
| JMAC Lending Incorporated | $895,000 | $780,000 | -12.8% | 0.0% |
| BNY MELLON, N.A. | $595,000 | $775,000 | 30.3% | 0.0% |
| Washington State Employees Credit Union | $545,000 | $765,000 | 40.4% | 0.0% |
| Hometown Lenders LLC | $755,000 | n/a | 0.0% | |
| Redwood Trust Inc | $3,830,000 | $755,000 | -80.3% | 0.0% |
| EverLEND Mortgage Company | $245,000 | $750,000 | 206.1% | 0.0% |
| Directors Mortgage, Inc. | $215,000 | $730,000 | 239.5% | 0.0% |
| KINECTA FEDERAL CREDIT UNION | $760,000 | $730,000 | -3.9% | 0.0% |
| V.I.P. Mortgage Inc. | $720,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC | $675,000 | $715,000 | 5.9% | 0.0% |
| Michigan Mutual, Inc. DBA MiMutual Mortgage | $700,000 | n/a | 0.0% | |
| WaterStone Bank SSB | $1,180,000 | $675,000 | -42.8% | 0.0% |
| Union Home Mortgage Company | $665,000 | n/a | 0.0% | |
| Homeowners Financial Group | $215,000 | $640,000 | 197.7% | 0.0% |
| AmWest Funding Corp. | $630,000 | n/a | 0.0% | |
| First State Bank Of St. Charles Missouri | $510,000 | $625,000 | 22.5% | 0.0% |
| Spokane Teachers Credit Union | $1,140,000 | $615,000 | -46.1% | 0.0% |
| UNIFY Financial Credit Union | $105,000 | $610,000 | 481.0% | 0.0% |
| Centennial Lending LLC | $600,000 | n/a | 0.0% | |
| Nicolet National Bank | $600,000 | n/a | 0.0% | |
| PEOPLE'S INTERMOUNTAIN BANK | $185,000 | $590,000 | 218.9% | 0.0% |
| Global Credit Union | $575,000 | n/a | 0.0% | |
| Mortgage Services III LLC | $550,000 | n/a | 0.0% | |
| Roundbank | $415,000 | $550,000 | 32.5% | 0.0% |
| BELL BANK | $530,000 | n/a | 0.0% | |
| City National Bank of Florida | $515,000 | n/a | 0.0% | |
| Homeside Financial LLC | $500,000 | n/a | 0.0% | |
| CountryPlace Mortgage Ltd. | $485,000 | n/a | 0.0% | |
| Deseret First Credit Union | $445,000 | $485,000 | 9.0% | 0.0% |
| Chevron Federal Credit Union | $135,000 | $475,000 | 251.9% | 0.0% |
| SWBC Mortgage Corporation | $475,000 | n/a | 0.0% | |
| Operating Engineers Federal Credit Union | $1,215,000 | $470,000 | -61.3% | 0.0% |
| Sound Community Bank | $465,000 | n/a | 0.0% | |
| American Mortgage Bank | $455,000 | n/a | 0.0% | |
| Dupaco Community Credit Union | $435,000 | n/a | 0.0% | |
| Texas Tech Federal Credit Union | $425,000 | n/a | 0.0% | |
| Digital Federal Credit Union | $1,240,000 | $420,000 | -66.1% | 0.0% |
| Congressional Federal Credit Union | $415,000 | n/a | 0.0% | |
| Thrive Mortgage LLC | $415,000 | n/a | 0.0% | |
| FARMERS BANK | $465,000 | $395,000 | -15.1% | 0.0% |
| AMERIS BANK | $385,000 | n/a | 0.0% | |
| Bank Of Springfield | $605,000 | $385,000 | -36.4% | 0.0% |
| Pinnacle Bank | $385,000 | n/a | 0.0% | |
| Xceed Financial Credit Union | $385,000 | n/a | 0.0% | |
| Centier Bank | $345,000 | $370,000 | 7.2% | 0.0% |
| MidFirst Bank | $385,000 | $365,000 | -5.2% | 0.0% |
| DEVON BANK | $355,000 | n/a | 0.0% | |
| PRIORITY HOME LENDING, LLC | $345,000 | n/a | 0.0% | |
| Purdue Federal Credit Union | $215,000 | $345,000 | 60.5% | 0.0% |
| SouthStar Bank, S.S.B. | $345,000 | n/a | 0.0% | |
| Western State Bank | $345,000 | n/a | 0.0% | |
| Armed Forces Bank | $340,000 | n/a | 0.0% | |
| Drop Mortgage | $425,000 | $335,000 | -21.2% | 0.0% |
| RiverHills Bank | $335,000 | n/a | 0.0% | |
| State Farm Bank | $5,795,000 | $330,000 | -94.3% | 0.0% |
| Equity Prime Mortgage LLC | $325,000 | n/a | 0.0% | |
| METROPOLITAN HOME MORTGAGE | $325,000 | n/a | 0.0% | |
| American Bank of the North | $305,000 | n/a | 0.0% | |
| Brighton Bank | $305,000 | n/a | 0.0% | |
| First Dakota National Bank | $305,000 | n/a | 0.0% | |
| Guaranty Trust Company | $305,000 | n/a | 0.0% | |
| Spirit of Alaska Federal Credit Union | $305,000 | n/a | 0.0% | |
| F&M Bank | $295,000 | n/a | 0.0% | |
| East Idaho Credit Union | $285,000 | n/a | 0.0% | |
| Cascade Financial Services | $605,000 | $280,000 | -53.7% | 0.0% |
| One Reverse Mortgage, LLC | $2,455,000 | $270,000 | -89.0% | 0.0% |
| Gate City Bank | $265,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $575,000 | $255,000 | -55.7% | 0.0% |
| MARQUETTE BANK | $255,000 | n/a | 0.0% | |
| Reliant Bank | $255,000 | n/a | 0.0% | |
| Tradition Capital Bank | $255,000 | n/a | 0.0% | |
| Utah Mortgage Loan Corporation | $235,000 | $255,000 | 8.5% | 0.0% |
| Blue Ridge Bank, NA | $235,000 | n/a | 0.0% | |
| PrimeWay Federal Credit Union | $235,000 | n/a | 0.0% | |
| The Bank of Commerce | $215,000 | $235,000 | 9.3% | 0.0% |
| United States Senate Federal Credit Union | $235,000 | n/a | 0.0% | |
| Credit Union Mortgage Association Inc. | $1,165,000 | $225,000 | -80.7% | 0.0% |
| Goldenwest Credit Union | $225,000 | n/a | 0.0% | |
| Skyone Federal Credit Union | $205,000 | $225,000 | 9.8% | 0.0% |
| The Farmers and Mechanics Bank | $225,000 | n/a | 0.0% | |
| Aerospace Federal Credit Union | $215,000 | n/a | 0.0% | |
| Servion, Inc. | $585,000 | $215,000 | -63.2% | 0.0% |
| NETWORK FUNDING, L.P. | $205,000 | n/a | 0.0% | |
| Potlatch No.1 Federal Credit Union | $255,000 | $205,000 | -19.6% | 0.0% |
| Southwest Airlines Federal Credit Union | $205,000 | n/a | 0.0% | |
| First Commonwealth Bank | $650,000 | $195,000 | -70.0% | 0.0% |
| USAgencies Credit Union | $190,000 | n/a | 0.0% | |
| Advancial Federal Credit Union | $485,000 | $185,000 | -61.9% | 0.0% |
| First Community Mortgage Inc. | $185,000 | n/a | 0.0% | |
| Ixonia Bank | $185,000 | n/a | 0.0% | |
| Mutual Federal Bank | $465,000 | $185,000 | -60.2% | 0.0% |
| Crescent Mortgage Company | $225,000 | $175,000 | -22.2% | 0.0% |
| Graystone Mortgage LLC | $785,000 | $175,000 | -77.7% | 0.0% |
| CITY BANK | $165,000 | n/a | 0.0% | |
| FIRST UNITED BANK AND TRUST CO | $155,000 | n/a | 0.0% | |
| Star USA Federal Credit Union | $130,000 | n/a | 0.0% | |
| Utah First Credit Union | $130,000 | $130,000 | 0.0% | 0.0% |
| Bank of The Pacific | $125,000 | n/a | 0.0% | |
| Great Plains National Bank | $115,000 | n/a | 0.0% | |
| Qualstar Credit Union | $285,000 | $115,000 | -59.6% | 0.0% |
| Farmers Insurance Group Federal Credit Union | $105,000 | n/a | 0.0% | |
| Four Points Federal Credit Union | $115,000 | $105,000 | -8.7% | 0.0% |
| Triad Financial Services Inc | $100,000 | n/a | 0.0% | |
| FIRST NATIONAL BANK OF OMAHA | $95,000 | n/a | 0.0% | |
| Northrop Grumman Federal Credit Union | $250,000 | $75,000 | -70.0% | 0.0% |
| MassMutual Federal Credit Unio | $55,000 | n/a | 0.0% | |
| NuMark Credit Union | $95,000 | $55,000 | -42.1% | 0.0% |
BOISE CITY's top lender by overall market share is Idaho Central Credit Union, with 13.2% market share. In second place, with 6.2%, is FAIRWAY INDEPENDENT MORT CORP, having originated $1,003,045,000 in loans. In third place, with 6.1%, is Quicken Loans, having originated $995,485,000 in loans. In third place, with 4.1%, is Academy Mortgage Corporation, having originated $664,490,000 in loans. In third place, with 4.0%, is Guild Mortgage Company, having originated $644,970,000 in loans.
BOISE CITY, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 23,056 | $6,024,630,000 | $261,304 |
| Home Purchase | 20,616 | $6,119,260,000 | $296,821 |
| Cash Out Refi | 15,299 | $3,578,915,000 | $233,931 |
| Home Improvement | 2,453 | $262,145,000 | $106,867 |
| Other | 1,426 | $230,570,000 | $161,690 |
| NA | 2 | $360,000 | $180,000 |
Boise City's most frequently cited loan purpose was Refi, with 23,056 originations. The 2nd most popular reason was Home Purchase, with 20,616 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 28,546 | $7,514,230,000 | $263,232 |
| 2.5-3% | 21,098 | $6,020,050,000 | $285,337 |
| <2.5% | 6,281 | $1,628,745,000 | $259,313 |
| 4-5% | 4,942 | $775,060,000 | $156,831 |
| 5-6% | 1,024 | $123,900,000 | $120,996 |
| 6-7% | 417 | $34,945,000 | $83,801 |
| 7-8% | 174 | $15,720,000 | $90,345 |
| Over 8% | 133 | $10,545,000 | $79,286 |
During 2020, Boise City's most frequently originated rate bucket was 3-4%, with 28,546 originations.
Loan Sizing (BOISE CITY, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 33,831 | $9,475,105,000 | $280,072 |
| $100k-200k | 14,934 | $2,330,890,000 | $156,079 |
| $100,000 or less | 6,795 | $315,725,000 | $46,464 |
| $400k-600k | 6,360 | $2,952,450,000 | $464,222 |
| $600k-1000k | 749 | $546,385,000 | $729,486 |
| $Over $1MM | 183 | $595,325,000 | $3,253,142 |
BOISE CITY's loan sizing saw the bucket of loans from $200k-400k with 33,831 originations, totaling $9,475,105,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 21,396 | $6,431,360,000 | $300,587 |
| 80-100% | 16,619 | $5,280,845,000 | $317,759 |
| 40-60% | 11,932 | $2,751,940,000 | $230,635 |
| 20-40% | 5,471 | $775,125,000 | $141,679 |
| Under 20% | 4,972 | $200,130,000 | $40,251 |
| Over 100% | 573 | $203,205,000 | $354,634 |
BOISE CITY's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 21,396 originations, totaling $6,431,360,000 in origination value.