Hailey Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Hailey averaged 6.54% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 6.28% and one month ago for the week of 2023-08-10, the average rate was 6.02%.

Hailey's average rate one year ago was 5.05%.

For refis of the same type during the week of 2023-09-14, the average rate was 5.71%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
Hailey 30 Year Fixed Rate 2023-09-14 6.54%
Hailey 30 Year Fixed Rate Refi 2023-09-14 5.71%
Hailey 15 Year Fixed Rate 2023-09-14 6.71%
Hailey 15 Year Fixed Rate Refi 2023-09-14 7.01%
Hailey 30 Year FHA 2023-09-14 6.89%
Hailey 30 Year FHA Refi 2023-09-14 6.89%
Hailey 30 Year USDA 2023-09-14 7.18%
Hailey 30 Year USDA Refi 2023-09-14 7.18%
Hailey 30 Year VA 2023-09-14 6.61%
Hailey 30 Year VA Refi 2023-09-14 6.61%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Hailey, ID.

Hailey 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 Hailey, 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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 38 4.70% $5,925
QUICKEN LOANS, LLC 36 4.63% $7,600
U.S. Bank 36 3.76% $15,182
GUARANTEED RATE, INC. 35 4.28% $9,274
Wells Fargo Bank 23 3.16% $6,854
PIONEER 21 3.86% $6,846
Zions Bank 19 3.66% $6,004
First Republic Bank 19 2.97% $20,482
D. L. Evans Bank 19 4.80% $7,178
JPMorgan Chase Bank 17 3.39% $11,604
MOVEMENT MORTGAGE, LLC 15 4.34% $7,558
Morgan Stanley Private Bank 13 3.59% $9,124
Washington Federal Bank 13 3.95% $14,370
Flagstar Bank, FSB 10 4.24% $9,824
Glacier Bank 9 4.18% $12,277
FINANCE OF AMERICA MORTGAGE LLC 9 4.36% $13,299
Charles Schwab Bank, SSB 9 3.41% $7,239
IDAHO CENTRAL 9 4.95% $7,186
LOANDEPOT.COM, LLC 8 3.94% $7,154
CALIBER HOME LOANS, INC. 7 5.09% $10,428
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 4.62% $9,563
City National Bank 6 3.07% $10,346
HOME POINT FINANCIAL CORPORATION 5 4.25% $5,049
Bank of America 5 3.23% $6,208
Washington Trust Bank 5 4.55% $6,014
UBS Bank USA 5 4.13% $10,658
CALCON MUTUAL MORTGAGE LLC 4 4.41% $9,259
PNC Bank 4 4.28% $6,430
CROSSCOUNTRY MORTGAGE, LLC 4 5.64% $9,925
KeyBank 4 3.75% $5,672
The Northern Trust Company 3 3.04% $8,217
BNY Mellon 3 3.17% $7,490
Citibank 3 2.83% $14,122
First Federal Savings Bank of Twin Falls 3 4.79% $9,615
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.62% $11,049
Mr. Cooper ( Nationstar Mortgage ) 3 4.74% $12,373
PREMIER MORTGAGE RESOURCES, L.L.C. 3 5.00% $10,590
PROVIDENT FUNDING ASSOCIATES, L.P. 3 3.83% $8,356
LENDSURE MORTGAGE CORP. 2 6.88% $15,405
Wyndham Capital Mortgage, Inc. 2 3.69% $10,153
S1L, Inc. 2 4.50% $25,689
USAA Federal Savings Bank 2 4.69% $4,829
AMERICAN PACIFIC MORTGAGE CORPORATION 2 5.56% $6,915
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.75% $10,072
Ally Bank 2 2.75% $8,557
Silicon Valley Bank 2 2.56% $8,701
EMBRACE HOME LOANS, INC. 2 3.50% $5,512
EVERETT FINANCIAL, INC. 2 4.25% $3,479
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.31% $6,431
CMG MORTGAGE, INC. 2 3.75% $9,726
FREEDOM MORTGAGE CORPORATION 2 3.88% $5,845
Century Mortgage Company DBA Century Lending Company 1 4.25% $6,445
KELLER MORTGAGE, LLC 1 4.25% $4,422
CAPITAL EDUCATORS FEDERAL CREDIT UNION 1 5.25% $7,310
CANOPY MORTGAGE, LLC 1 5.99% $5,765
BNC National Bank 1 4.13% $7,237
BMO Harris Bank 1 3.88% $22,933
Willamette Valley Bank 1 4.63% $10,099
MUFG Union Bank 1 3.50% $22,117
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.12% $7,597
Network Funding, L.P. 1 6.00% $5,207
NEWREZ LLC 1 4.00% $8,990
NEXERA HOLDING LLC 1 6.25% $21,929
NMSI, INC. 1 5.75% $5,770
Northwest Farm Credit Services, FLCA 1 5.65% $10,563
PENNYMAC LOAN SERVICES, LLC 1 2.75% $9,533
BETTER MORTGAGE CORPORATION 1 2.75% $6,188
Platinum Home Mortgage Corporation 1 6.00% $7,387
BAY EQUITY LLC 1 5.63% $10,528
Barrington Bank & Trust Company, N.A. 1 4.88% $10,365
RANLIFE, INC. 1 2.75% $16,085
Raymond James Bank 1 2.63% $4,747
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 5.63% $16,482
SAMMAMISH MORTGAGE COMPANY 1 2.75% $16,455
Sierra Pacific Mortgage Company, Inc. 1 3.38% $4,249
Stifel Bank and Trust 1 4.00% $10,138
The Huntington National Bank 1 5.45% $7,466
ACADEMY MORTGAGE CORPORATION 1 4.88% $8,236
Bank of the West 1 5.50% $3,712
AMERISAVE MORTGAGE CORPORATION 1 4.50% $9,873
VERITAS FUNDING, LLC 1 5.00% $16,279
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.25% $5,735
Amalgamated Bank 1 4.99% $8,778
Eagle Bank and Trust Company 1 6.38% $20,786
FIRST COLONY MORTGAGE CORPORATION 1 7.00% $11,875
CORNERSTONE HOME LENDING, INC. 1 6.25% $7,626
Watermark Capital, Inc. 1 5.63% $11,152
First Interstate Bank 1 3.88% $12,681
Columbia State Bank 1 4.13% $10,296
Gateway First Bank 1 4.75% $15,476
CITYWIDE HOME LOANS, LLC 1 6.75% $13,559
Goldman Sachs Bank USA 1 3.00% $7,246
Citizens Bank 1 4.25% $18,740
GUARANTY HOME MORTGAGE CORPORATION 1 5.25% $6,652
ALTITUDE FINANCIAL CORPORATION 1 5.63% $4,456
Citadel Servicing Corporation 1 7.88% $15,494
CHURCHILL MORTGAGE CORPORATION 1 6.75% $15,433
INTERCAP LENDING INC. 1 3.25% $15,257

Hailey Average Closing Costs & Other Stats

Hailey, ID's 98 lenders originated 997 loans during 2022. The total origination value was $756,095,000, with an average loan value of $758,370.

Hailey's average closing costs are $6,492.

The top Hailey lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 38 loans originated. Their average total fees are $5,925, which is $1,674 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Hailey lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($5,925), Zions Bank ($6,004), PIONEER ($6,846), Wells Fargo Bank ($6,854) and D. L. Evans Bank ($7,178).

The lowest rate Hailey lenders (with over 10 loans originated) are First Republic Bank (2.97%), Wells Fargo Bank (3.16%), JPMorgan Chase Bank (3.39%), Morgan Stanley Private Bank (3.59%) and Zions Bank (3.66%).

Hailey, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
U.S. Bank $89,495,000 $90,060,000 0.6% 11.9%
First Republic Bank $85,600,000 $69,175,000 -19.2% 9.1%
Bank of America $47,040,000 $50,160,000 6.6% 6.6%
Zions Bancorporation, N.A. $40,915,000 $48,285,000 18.0% 6.4%
JPMorgan Chase Bank $56,970,000 $38,435,000 -32.5% 5.1%
Glacier Bank $20,715,000 $36,525,000 76.3% 4.8%
GUARANTEED RATE, INC. $64,490,000 $30,360,000 -52.9% 4.0%
Washington Federal Bank $13,600,000 $29,835,000 119.4% 3.9%
Wells Fargo Bank $73,280,000 $29,150,000 -60.2% 3.9%
Morgan Stanley Private Bank $32,575,000 $26,195,000 -19.6% 3.5%
UNITED WHOLESALE MORTGAGE, LLC $73,690,000 $22,130,000 -70.0% 2.9%
City National Bank $17,020,000 $21,480,000 26.2% 2.8%
QUICKEN LOANS, LLC $75,985,000 $17,860,000 -76.5% 2.4%
D. L. Evans Bank $29,140,000 $14,670,000 -49.7% 1.9%
MOVEMENT MORTGAGE, LLC $31,650,000 $12,005,000 -62.1% 1.6%
IDAHO CENTRAL $12,620,000 $10,570,000 -16.2% 1.4%
Idaho First Bank $26,325,000 $10,340,000 -60.7% 1.4%
PIONEER $4,180,000 $10,205,000 144.1% 1.3%
Citibank $18,260,000 $10,065,000 -44.9% 1.3%
UBS Bank USA $11,820,000 $8,725,000 -26.2% 1.2%
Flagstar Bank, FSB $11,850,000 $8,650,000 -27.0% 1.1%
Charles Schwab Bank, SSB $20,955,000 $8,325,000 -60.3% 1.1%
FINANCE OF AMERICA REVERSE LLC $3,045,000 $8,305,000 172.7% 1.1%
The Northern Trust Company $2,635,000 $6,090,000 131.1% 0.8%
Washington Trust Bank $20,510,000 $5,880,000 -71.3% 0.8%
FINANCE OF AMERICA MORTGAGE LLC $8,855,000 $5,280,000 -40.4% 0.7%
BMO Harris Bank $10,325,000 $4,765,000 -53.8% 0.6%
CALIBER HOME LOANS, INC. $6,570,000 $4,475,000 -31.9% 0.6%
BNY Mellon $3,180,000 $4,225,000 32.9% 0.6%
Silicon Valley Bank $5,480,000 $4,160,000 -24.1% 0.6%
MUFG Union Bank $3,975,000 n/a 0.5%
PREMIER MORTGAGE RESOURCES, L.L.C. $4,225,000 $3,710,000 -12.2% 0.5%
LOANDEPOT.COM, LLC $20,950,000 $3,655,000 -82.6% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,060,000 $3,590,000 -55.5% 0.5%
Bank of the West $8,955,000 $3,395,000 -62.1% 0.4%
Stifel Bank and Trust $10,945,000 $3,035,000 -72.3% 0.4%
First Federal Savings Bank of Twin Falls $4,940,000 $2,985,000 -39.6% 0.4%
PNC Bank $1,585,000 $2,935,000 85.2% 0.4%
LONGBRIDGE FINANCIAL, LLC $935,000 $2,865,000 206.4% 0.4%
First Interstate Bank $4,325,000 $2,855,000 -34.0% 0.4%
HOME POINT FINANCIAL CORPORATION $3,070,000 $2,785,000 -9.3% 0.4%
S1L, Inc. $2,520,000 $2,675,000 6.2% 0.4%
LENDSURE MORTGAGE CORP. $1,215,000 $2,635,000 116.9% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $2,860,000 $2,425,000 -15.2% 0.3%
KeyBank $6,925,000 $2,225,000 -67.9% 0.3%
CALCON MUTUAL MORTGAGE LLC $7,450,000 $1,850,000 -75.2% 0.2%
Columbia State Bank $155,000 $1,825,000 1,077.4% 0.2%
Hometown Equity Mortgage, LLC $1,625,000 n/a 0.2%
Citizens Bank $1,505,000 n/a 0.2%
HOMEXPRESS MORTGAGE CORP. $1,455,000 n/a 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $650,000 $1,430,000 120.0% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,110,000 $1,390,000 25.2% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $515,000 $1,270,000 146.6% 0.2%
Goldman Sachs Bank USA $11,535,000 $1,255,000 -89.1% 0.2%
Raymond James Bank $6,075,000 $1,205,000 -80.2% 0.2%
Heritage Bank $1,195,000 n/a 0.2%
USAA Federal Savings Bank $1,175,000 n/a 0.2%
FREEDOM MORTGAGE CORPORATION $5,455,000 $1,115,000 -79.6% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $2,990,000 $1,080,000 -63.9% 0.1%
Mr. Cooper ( Nationstar Mortgage ) $3,950,000 $1,065,000 -73.0% 0.1%
Ally Bank $1,605,000 $1,060,000 -34.0% 0.1%
Century Mortgage Company DBA Century Lending Company $1,005,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $990,000 n/a 0.1%
EVERETT FINANCIAL, INC. $920,000 $940,000 2.2% 0.1%
PENNYMAC LOAN SERVICES, LLC $2,570,000 $940,000 -63.4% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $215,000 $940,000 337.2% 0.1%
INTERCAP LENDING INC. $940,000 $905,000 -3.7% 0.1%
AMWEST FUNDING CORP. $895,000 n/a 0.1%
NEXERA HOLDING LLC $885,000 n/a 0.1%
GUILD MORTGAGE COMPANY $4,315,000 $880,000 -79.6% 0.1%
CMG MORTGAGE, INC. $325,000 $870,000 167.7% 0.1%
Eagle Bank and Trust Company $865,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $6,105,000 $835,000 -86.3% 0.1%
SAMMAMISH MORTGAGE COMPANY $835,000 n/a 0.1%
AMERICA FIRST $45,000 $830,000 1,744.4% 0.1%
NEWREZ LLC $3,355,000 $815,000 -75.7% 0.1%
ACADEMY MORTGAGE CORPORATION $2,040,000 $805,000 -60.5% 0.1%
Banner Bank $430,000 $805,000 87.2% 0.1%
Amalgamated Bank $795,000 n/a 0.1%
CAPITAL EDUCATORS FEDERAL CREDIT UNION $955,000 $785,000 -17.8% 0.1%
The Huntington National Bank $765,000 n/a 0.1%
CORNERSTONE HOME LENDING, INC. $225,000 $755,000 235.6% 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $755,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $860,000 $740,000 -14.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,235,000 $730,000 -40.9% 0.1%
Commerce Home Mortgage, Inc. $520,000 $690,000 32.7% 0.1%
Northwest Farm Credit Services, FLCA $655,000 n/a 0.1%
VERITAS FUNDING, LLC $655,000 n/a 0.1%
Willamette Valley Bank $465,000 $645,000 38.7% 0.1%
Citadel Servicing Corporation $625,000 n/a 0.1%
CITYWIDE HOME LOANS, LLC $590,000 $615,000 4.2% 0.1%
NAVY FEDERAL CREDIT UNION $135,000 $615,000 355.6% 0.1%
RANLIFE, INC. $595,000 n/a 0.1%
KELLER MORTGAGE, LLC $4,600,000 $585,000 -87.3% 0.1%
BAY EQUITY LLC $865,000 $555,000 -35.8% 0.1%
GSF Mortgage Corporation $970,000 $525,000 -45.9% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $525,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $525,000 n/a 0.1%
Network Funding, L.P. $515,000 n/a 0.1%
Gateway First Bank $650,000 $510,000 -21.5% 0.1%
STAR ONE CREDIT UNION $315,000 $505,000 60.3% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,035,000 $500,000 -51.7% 0.1%
BNC National Bank $475,000 n/a 0.1%
CANOPY MORTGAGE, LLC $405,000 $465,000 14.8% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $3,590,000 $450,000 -87.5% 0.1%
FIRST COLONY MORTGAGE CORPORATION $1,030,000 $435,000 -57.8% 0.1%
MANN FINANCIAL INC. $165,000 $395,000 139.4% 0.1%
NMSI, INC. $365,000 n/a 0.0%
ALTITUDE FINANCIAL CORPORATION $355,000 n/a 0.0%
Watermark Capital, Inc. $345,000 n/a 0.0%
IMPAC MORTGAGE CORP. $335,000 $325,000 -3.0% 0.0%
Barrington Bank & Trust Company, N.A. $1,895,000 $305,000 -83.9% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $600,000 $305,000 -49.2% 0.0%
Platinum Home Mortgage Corporation $475,000 $295,000 -37.9% 0.0%
CHERRY CREEK MORTGAGE, LLC $620,000 $255,000 -58.9% 0.0%
MOUNTAIN AMERICA $365,000 $255,000 -30.1% 0.0%
REVERSE MORTGAGE FUNDING LLC $460,000 $255,000 -44.6% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $235,000 n/a 0.0%
AXIA FINANCIAL, LLC $175,000 $210,000 20.0% 0.0%
GTE Federal Credit Union $205,000 n/a 0.0%
PHH Mortgage Corporation $345,000 $205,000 -40.6% 0.0%
Umpqua Bank $4,830,000 $205,000 -95.8% 0.0%
BROKER SOLUTIONS, INC. $1,400,000 $185,000 -86.8% 0.0%
AMERISAVE MORTGAGE CORPORATION $5,420,000 $175,000 -96.8% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $945,000 $165,000 -82.5% 0.0%
FARMERS BANK $360,000 $165,000 -54.2% 0.0%
AMERICAN ADVISORS GROUP $2,860,000 $130,000 -95.5% 0.0%
WESTMARK Credit Union $440,000 $105,000 -76.1% 0.0%
HORIZON $380,000 $70,000 -81.6% 0.0%
DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION $65,000 n/a 0.0%
TOGETHER CREDIT UNION $55,000 n/a 0.0%
Discover Bank $260,000 $45,000 -82.7% 0.0%
PENTAGON FEDERAL CREDIT UNION $1,100,000 $25,000 -97.7% 0.0%

Hailey's top lender by overall market share is U.S. Bank, with 11.9% market share. In second place, with 9.1%, is First Republic Bank, having originated $69,175,000 in loans. In third place, with 6.6%, is Bank of America, having originated $50,160,000 in loans. In fourth place, with 6.4%, is Zions Bancorporation, N.A., having originated $48,285,000 in loans. In fifth place, with 5.1%, is JPMorgan Chase Bank, having originated $38,435,000 in loans.

Hailey, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 344 $337,890,000 $982,238
Cash Out Refi 217 $144,605,000 $666,382
Other 161 $141,635,000 $879,720
Refi 161 $101,525,000 $630,590
Home Improvement 114 $30,440,000 $267,018

Hailey's most frequently cited loan purpose was Home Purchase, with 344 originations. The 2nd most popular reason was Cash Out Refi, with 217 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 298 $211,810,000 $710,772
4-5% 214 $169,470,000 $791,916
5-6% 151 $68,925,000 $456,457
2.5-3% 119 $163,245,000 $1,371,807
6-7% 85 $35,285,000 $415,118
<2.5% 68 $72,230,000 $1,062,206
7-8% 37 $14,685,000 $396,892
Over 8% 15 $8,085,000 $539,000

During 2022, Hailey's most frequently originated rate bucket was 3-4%, with 298 originations.

Loan Sizing (Hailey, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 248 $72,390,000 $291,895
$600k-1000k 186 $136,430,000 $733,495
$Over $1MM 179 $440,345,000 $2,460,028
$400k-600k 169 $83,395,000 $493,462
$100k-200k 121 $17,925,000 $148,140
$100,000 or less 94 $5,610,000 $59,681

Hailey's loan sizing saw the bucket of loans from $200k-400k with 248 originations, totaling $72,390,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 245 $291,755,000 $1,190,837
40-60% 226 $200,570,000 $887,478
20-40% 219 $125,915,000 $574,954
Under 20% 177 $39,445,000 $222,853
80-100% 114 $81,960,000 $718,947
Over 100% 3 $1,175,000 $391,667

Hailey's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 245 originations, totaling $291,755,000 in origination value.