IDAHO FALLS Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Idaho Falls averaged 6.31% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.52% and one month ago for the week of 2024-10-10, the average rate was 6.15%.

    Idaho Falls's average rate one year ago was 7.43%.

    For refis of the same type during the week of 2024-11-14, the average rate was 7.25%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Idaho Falls 30 Year Fixed Rate 2024-11-14 6.31%
    Idaho Falls 30 Year Fixed Rate Refi 2024-11-14 7.25%
    Idaho Falls 15 Year Fixed Rate 2024-11-14 6.72%
    Idaho Falls 15 Year Fixed Rate Refi 2024-11-14 6.29%
    Idaho Falls 30 Year FHA 2024-11-14 -0.4%
    Idaho Falls 30 Year FHA Refi 2024-11-14 -0.1%
    Idaho Falls 30 Year USDA 2024-11-14 -0.1%
    Idaho Falls 30 Year USDA Refi 2024-11-14 -0.2%
    Idaho Falls 30 Year VA 2024-11-14 -0.21%
    Idaho Falls 30 Year VA Refi 2024-11-14 -0.2%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within IDAHO FALLS, ID.

    IDAHO FALLS 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 IDAHO FALLS, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    IDAHO CENTRAL 198 6.45% $7,902
    Eagle Bank and Trust Company 178 6.41% $7,346
    CANOPY MORTGAGE, LLC 90 6.45% $8,432
    UNITED WHOLESALE MORTGAGE, LLC 88 6.62% $8,228
    QUICKEN LOANS, LLC 80 6.56% $8,350
    FIRST COLONY MORTGAGE CORPORATION 57 6.37% $8,356
    BELEM SERVICING LLC 42 6.61% $8,293
    VERITAS FUNDING, LLC 38 6.77% $8,490
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 38 6.70% $9,778
    MANN FINANCIAL INC. 36 6.61% $7,602
    BEEHIVE 23 6.39% $5,643
    U.S. Bank 22 6.26% $9,073
    EAST IDAHO Credit Union 21 6.55% $10,377
    WESTMARK Credit Union 21 6.24% $8,540
    Zions Bank 18 6.28% $6,400
    Glacier Bank 17 6.40% $6,116
    S1L, Inc. 17 6.63% $7,457
    Flagstar Bank, FSB 17 6.93% $9,276
    AMERICAN PACIFIC MORTGAGE CORPORATION 16 6.66% $7,962
    Bank of Idaho 15 6.65% $8,055
    KeyBank 14 5.96% $8,420
    MOUNTAIN AMERICA 14 6.80% $6,885
    Gateway First Bank 13 6.91% $9,135
    LOANDEPOT.COM, LLC 10 6.64% $7,839
    Magnolia Bank 10 6.65% $7,932
    INTERCAP LENDING INC. 9 6.28% $8,878
    ACADEMY MORTGAGE CORPORATION 9 7.01% $10,411
    NBKC BANK 9 6.40% $4,621
    JPMorgan Chase Bank 9 6.65% $4,721
    CHURCHILL MORTGAGE CORPORATION 8 6.58% $7,416
    PENNYMAC LOAN SERVICES, LLC 8 6.25% $11,406
    PREMIER MORTGAGE RESOURCES, L.L.C. 8 6.45% $10,941
    Wells Fargo Bank 7 6.61% $6,737
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 6.71% $8,149
    Mr. Cooper ( Nationstar Mortgage ) 6 6.91% $8,075
    D. L. Evans Bank 6 6.52% $7,787
    PROVIDENT FUNDING ASSOCIATES, L.P. 5 6.23% $9,584
    AMERISAVE MORTGAGE CORPORATION 5 6.50% $8,762
    NAVY FEDERAL CREDIT UNION 5 6.93% $5,396
    AXIA FINANCIAL, LLC 5 6.73% $8,492
    IDAHO STATE UNIVERSITY 5 7.70% $8,452
    GUILD MORTGAGE COMPANY 5 6.62% $7,981
    SECURITYNATIONAL MORTGAGE COMPANY 4 6.69% $10,637
    VAN DYK MORTGAGE CORPORATION 4 6.88% $5,047
    BROKER SOLUTIONS, INC. 4 7.19% $10,021
    Washington Federal Bank 3 6.71% $14,716
    ANGEL OAK MORTGAGE SOLUTIONS LLC 3 9.04% $18,302
    ADVANTAGE PLUS 3 7.25% $5,251
    CROSSCOUNTRY MORTGAGE, LLC 3 7.17% $9,169
    ENVOY MORTGAGE, LTD 3 7.38% $7,202
    SIRVA MORTGAGE, INC. 3 6.75% $3,441
    Boeing Employees Credit Union 3 6.92% $4,146
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.63% $10,276
    Sunflower Bank 2 6.62% $10,189
    AMERICA FIRST 2 7.38% $5,405
    ARC HOME LLC 2 6.88% $7,136
    Bank of America 2 6.50% $4,848
    BMO Harris Bank 2 6.69% $12,845
    CARDINAL FINANCIAL 2 6.25% $7,458
    CITYWIDE HOME LOANS, LLC 2 6.50% $7,296
    DIRECT MORTGAGE, CORP. 2 7.13% $7,943
    Discover Bank 2 6.37% $0
    First Federal Savings Bank of Twin Falls 2 5.00% $8,691
    GOLDENWEST 2 6.37% $5,152
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 8.06% $5,896
    JMJ FINANCIAL GROUP 2 6.94% $6,236
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.94% $5,555
    NEWREZ LLC 2 7.18% $6,171
    Paramount Residential Mortgage Group, Inc. 2 7.12% $9,385
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.75% $15,400
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.43% $8,656
    SECURITY HOME MORTGAGE, LLC. 2 6.31% $10,019
    Sierra Pacific Mortgage Company, Inc. 2 6.81% $7,749
    The Huntington National Bank 2 6.31% $9,038
    The Loan Store, Inc. 2 6.87% $7,740
    Utah Power 2 5.88% $6,460
    Willamette Valley Bank 2 6.81% $14,230
    MOVEMENT MORTGAGE, LLC 1 7.50% $5,295
    First Federal Bank 1 5.88% $18,607
    M&T Bank 1 6.38% $8,950
    USAA Federal Savings Bank 1 6.25% $7,123
    Fifth Third Bank 1 6.49% $6,274
    FIDELITY BANK 1 6.00% $9,812
    Cache Valley Bank 1 5.99% $5,315
    NEXERA HOLDING LLC 1 9.50% $15,425
    OCMBC, INC. 1 11.38% $13,513
    ZILLOW HOME LOANS, LLC 1 7.13% $7,556
    Equity Prime Mortgage LLC 1 7.88% $17,844
    EMBRACE HOME LOANS, INC. 1 5.99% $12,601
    BNC National Bank 1 5.63% $9,304
    BETTER MORTGAGE CORPORATION 1 6.25% $2,967
    DRAPER AND KRAMER MORTGAGE CORP. 1 7.38% $4,846
    COLUMBIA COMMUNITY CREDIT UNION 1 6.88% $3,517
    RANLIFE, INC. 1 6.75% $12,952
    CMG MORTGAGE, INC. 1 7.49% $10,775
    SAMMAMISH MORTGAGE COMPANY 1 6.75% $7,762
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.49% $28,681
    CASTLE & COOKE MORTGAGE, LLC 1 6.13% $9,180
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.75% $4,354
    CAPITAL EDUCATORS FEDERAL CREDIT UNION 1 5.88% $9,878
    SPOKANE TEACHERS 1 6.00% $10,875
    Stifel Bank and Trust 1 5.63% $3,883
    SUMMIT FUNDING, INC. 1 7.25% $9,021
    Summit Mortgage Corporation 1 7.25% $11,283
    21ST MORTGAGE CORPORATION 1 8.94% $5,518
    AMERICAN FINANCING CORPORATION 1 6.63% $6,699
    AMERICAN FINANCIAL NETWORK, INC. 1 5.13% $7,981
    UBS Bank USA 1 5.38% $8,305
    CALCON MUTUAL MORTGAGE LLC 1 5.63% $21,769
    Heritage Bank 1 5.88% $9,046
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.50% $6,337
    FREEDOM MORTGAGE CORPORATION 1 6.75% $5,720
    Flanagan State Bank 1 7.88% $8,623
    FIRST TECHNOLOGY 1 7.00% $3,161
    Meridian Trust Federal Credit Union 1 6.00% $5,238
    MICHIGAN MUTUAL, INC. 1 6.75% $8,368
    Morgan Stanley Private Bank 1 6.60% $3,389
    MORTGAGE ACCESS CORP. 1 6.99% $4,750
    First Republic Bank 1 5.30% $2,731
    First Interstate Bank 1 7.63% $10,031

    IDAHO FALLS Average Closing Costs & Other Stats

    IDAHO FALLS, ID's 120 lenders originated 3,847 loans during 2023. The total origination value was $951,355,000, with an average loan value of $247,298.

    IDAHO FALLS's average closing costs are $6,498.

    The top IDAHO FALLS lender as defined by loan originations is IDAHO CENTRAL, with 198 loans originated. Their average total fees are $7,902, which is $556 higher than the next largest lender, Eagle Bank and Trust Company.

    The lowest fee IDAHO FALLS lenders (with over 10 loans originated) are BEEHIVE ($5,643), Glacier Bank ($6,116), Zions Bank ($6,400), MOUNTAIN AMERICA ($6,885) and Eagle Bank and Trust Company ($7,346).

    The lowest rate IDAHO FALLS lenders (with over 10 loans originated) are KeyBank (5.96%), WESTMARK Credit Union (6.24%), U.S. Bank (6.26%), Zions Bank (6.28%) and FIRST COLONY MORTGAGE CORPORATION (6.37%).

    IDAHO FALLS, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    IDAHO CENTRAL $254,270,000 $134,460,000 -47.1% 14.1%
    Eagle Bank and Trust Company $124,105,000 $87,945,000 -29.1% 9.2%
    UNITED WHOLESALE MORTGAGE, LLC $41,795,000 $53,200,000 27.3% 5.6%
    CANOPY MORTGAGE, LLC $128,525,000 $43,850,000 -65.9% 4.6%
    QUICKEN LOANS, LLC $70,250,000 $40,250,000 -42.7% 4.2%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $10,655,000 $28,800,000 170.3% 3.0%
    MOUNTAIN AMERICA $61,500,000 $28,535,000 -53.6% 3.0%
    FIRST COLONY MORTGAGE CORPORATION $31,635,000 $28,370,000 -10.3% 3.0%
    BEEHIVE $33,580,000 $26,945,000 -19.8% 2.8%
    MANN FINANCIAL INC. $29,505,000 $25,520,000 -13.5% 2.7%
    WESTMARK Credit Union $30,825,000 $24,365,000 -21.0% 2.6%
    Zions Bank $38,530,000 $22,195,000 -42.4% 2.3%
    BELEM SERVICING LLC $1,650,000 $20,760,000 1,158.2% 2.2%
    Bank of Utah $475,000 $18,820,000 3,862.1% 2.0%
    EAST IDAHO Credit Union $15,915,000 $17,455,000 9.7% 1.8%
    VERITAS FUNDING, LLC $16,860,000 $17,090,000 1.4% 1.8%
    U.S. Bank $37,025,000 $16,785,000 -54.7% 1.8%
    Glacier Bank $19,415,000 $15,010,000 -22.7% 1.6%
    ACADEMY MORTGAGE CORPORATION $7,215,000 $12,885,000 78.6% 1.4%
    Flagstar Bank, FSB $52,180,000 $11,930,000 -77.1% 1.3%
    The Bank of Commerce $28,335,000 $11,360,000 -59.9% 1.2%
    KeyBank $25,625,000 $10,490,000 -59.1% 1.1%
    S1L, Inc. $19,730,000 $10,070,000 -49.0% 1.1%
    GREYSTONE SERVICING COMPANY LLC $9,845,000 n/a 1.0%
    Gateway First Bank $19,415,000 $9,030,000 -53.5% 0.9%
    Mortgage Research Center, LLC $13,470,000 $8,290,000 -38.5% 0.9%
    NAVY FEDERAL CREDIT UNION $5,325,000 $8,020,000 50.6% 0.8%
    AMERICAN PACIFIC MORTGAGE CORPORATION $4,440,000 $7,610,000 71.4% 0.8%
    LOANDEPOT.COM, LLC $23,020,000 $7,085,000 -69.2% 0.7%
    Bank of Idaho $12,205,000 $7,050,000 -42.2% 0.7%
    PENNYMAC LOAN SERVICES, LLC $13,730,000 $6,525,000 -52.5% 0.7%
    INTERCAP LENDING INC. $2,950,000 $6,200,000 110.2% 0.7%
    D. L. Evans Bank $16,915,000 $6,140,000 -63.7% 0.6%
    PREMIER MORTGAGE RESOURCES, L.L.C. $3,050,000 $5,725,000 87.7% 0.6%
    SUMMIT FUNDING, INC. $8,975,000 $5,255,000 -41.4% 0.6%
    GUILD MORTGAGE COMPANY $5,840,000 $4,790,000 -18.0% 0.5%
    Magnolia Bank $325,000 $4,695,000 1,344.6% 0.5%
    Wells Fargo Bank $12,015,000 $4,475,000 -62.8% 0.5%
    NBKC BANK $11,000,000 $4,235,000 -61.5% 0.4%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $750,000 $4,105,000 447.3% 0.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $20,920,000 $4,040,000 -80.7% 0.4%
    BROKER SOLUTIONS, INC. $4,890,000 $3,970,000 -18.8% 0.4%
    JPMorgan Chase Bank $11,900,000 $3,765,000 -68.4% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $8,415,000 $3,675,000 -56.3% 0.4%
    CHURCHILL MORTGAGE CORPORATION $645,000 $3,480,000 439.5% 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $2,655,000 $3,350,000 26.2% 0.4%
    Washington Federal Bank $47,530,000 $3,085,000 -93.5% 0.3%
    Discover Bank $1,265,000 $2,855,000 125.7% 0.3%
    FREEDOM MORTGAGE CORPORATION $12,385,000 $2,560,000 -79.3% 0.3%
    USAA Federal Savings Bank $2,830,000 $2,420,000 -14.5% 0.3%
    CMG MORTGAGE, INC. $5,485,000 $2,405,000 -56.2% 0.3%
    AMERISAVE MORTGAGE CORPORATION $9,375,000 $2,300,000 -75.5% 0.2%
    VAN DYK MORTGAGE CORPORATION $1,435,000 $2,255,000 57.1% 0.2%
    NEW DAY FINANCIAL, LLC $3,085,000 $2,220,000 -28.0% 0.2%
    CARDINAL FINANCIAL $4,905,000 $2,180,000 -55.6% 0.2%
    AXIA FINANCIAL, LLC $800,000 $2,080,000 160.0% 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $2,110,000 $1,985,000 -5.9% 0.2%
    AMERICA FIRST $2,940,000 $1,965,000 -33.2% 0.2%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $655,000 $1,915,000 192.4% 0.2%
    BMO Harris Bank $675,000 $1,850,000 174.1% 0.2%
    The Huntington National Bank $765,000 $1,850,000 141.8% 0.2%
    SECURITYNATIONAL MORTGAGE COMPANY $4,060,000 $1,760,000 -56.7% 0.2%
    PHH Mortgage Corporation $2,480,000 $1,655,000 -33.3% 0.2%
    VILLAGE CAPITAL MORTGAGE $600,000 $1,620,000 170.0% 0.2%
    NEWREZ LLC $3,840,000 $1,525,000 -60.3% 0.2%
    CALCON MUTUAL MORTGAGE LLC $570,000 $1,520,000 166.7% 0.2%
    CONNECTIONS $3,140,000 $1,470,000 -53.2% 0.2%
    Sunflower Bank $1,400,000 n/a 0.1%
    The Loan Store, Inc. $1,400,000 n/a 0.1%
    First Federal Bank $1,375,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $4,415,000 $1,350,000 -69.4% 0.1%
    FINANCE OF AMERICA REVERSE LLC $1,140,000 $1,315,000 15.4% 0.1%
    AMERICAN FINANCING CORPORATION $4,965,000 $1,310,000 -73.6% 0.1%
    Willamette Valley Bank $195,000 $1,310,000 571.8% 0.1%
    SECURITY HOME MORTGAGE, LLC. $365,000 $1,290,000 253.4% 0.1%
    The Federal Savings Bank $1,770,000 $1,290,000 -27.1% 0.1%
    SIRVA MORTGAGE, INC. $715,000 $1,285,000 79.7% 0.1%
    Paramount Residential Mortgage Group, Inc. $895,000 $1,205,000 34.6% 0.1%
    CITYWIDE HOME LOANS, LLC $175,000 $1,200,000 585.7% 0.1%
    First Interstate Bank $575,000 $1,185,000 106.1% 0.1%
    Boeing Employees Credit Union $1,680,000 $1,180,000 -29.8% 0.1%
    IDAHO STATE UNIVERSITY $6,635,000 $1,145,000 -82.7% 0.1%
    Bank of America $2,805,000 $1,130,000 -59.7% 0.1%
    Meridian Trust Federal Credit Union $935,000 $1,115,000 19.3% 0.1%
    GOLDENWEST $495,000 $1,105,000 123.2% 0.1%
    CASTLE & COOKE MORTGAGE, LLC $840,000 $1,100,000 31.0% 0.1%
    ENVOY MORTGAGE, LTD $1,020,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,730,000 $1,010,000 -41.6% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $3,340,000 $985,000 -70.5% 0.1%
    CAPITAL EDUCATORS FEDERAL CREDIT UNION $255,000 $980,000 284.3% 0.1%
    ADVANTAGE PLUS $1,475,000 $965,000 -34.6% 0.1%
    Franklin Loan Corporation $945,000 n/a 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $730,000 $920,000 26.0% 0.1%
    PNC Bank $700,000 $880,000 25.7% 0.1%
    MOVEMENT MORTGAGE, LLC $3,210,000 $845,000 -73.7% 0.1%
    UBS Bank USA $910,000 $805,000 -11.5% 0.1%
    ARC HOME LLC $790,000 n/a 0.1%
    Utah Power $1,185,000 $790,000 -33.3% 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $315,000 $780,000 147.6% 0.1%
    First Federal Savings Bank of Twin Falls $405,000 $770,000 90.1% 0.1%
    Sierra Pacific Mortgage Company, Inc. $925,000 $770,000 -16.8% 0.1%
    Century Mortgage Company DBA Century Lending Company $760,000 n/a 0.1%
    GUARANTEED RATE AFFINITY, LLC $1,060,000 $755,000 -28.8% 0.1%
    Washington Trust Bank $755,000 n/a 0.1%
    JMJ FINANCIAL GROUP $745,000 n/a 0.1%
    BNC National Bank $425,000 $730,000 71.8% 0.1%
    PLANET HOME LENDING, LLC $3,065,000 $710,000 -76.8% 0.1%
    RANLIFE, INC. $125,000 $710,000 468.0% 0.1%
    EVERETT FINANCIAL, INC. $1,385,000 $705,000 -49.1% 0.1%
    Fifth Third Bank $700,000 n/a 0.1%
    POLARIS HOME FUNDING CORP. $685,000 n/a 0.1%
    LENDINGONE, LLC $680,000 n/a 0.1%
    Equity Prime Mortgage LLC $275,000 $670,000 143.6% 0.1%
    GUARANTEED RATE, INC. $2,215,000 $660,000 -70.2% 0.1%
    Flanagan State Bank $625,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $2,035,000 $620,000 -69.5% 0.1%
    DIRECT MORTGAGE, CORP. $955,000 $610,000 -36.1% 0.1%
    1st Security Bank of Washington $860,000 $545,000 -36.6% 0.1%
    Central Bank $545,000 n/a 0.1%
    Northpointe Bank $540,000 n/a 0.1%
    V.I.P. MORTGAGE, INC. $540,000 n/a 0.1%
    LOANPAL, LLC $3,820,000 $535,000 -86.0% 0.1%
    21ST MORTGAGE CORPORATION $555,000 $530,000 -4.5% 0.1%
    CORNERSTONE HOME LENDING, INC. $2,050,000 $530,000 -74.1% 0.1%
    Figure Lending LLC $330,000 $530,000 60.6% 0.1%
    Ameris Bank $525,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $520,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,435,000 $510,000 -79.1% 0.1%
    First Savings Bank $1,235,000 $505,000 -59.1% 0.1%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $505,000 n/a 0.1%
    FIDELITY BANK $495,000 n/a 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $105,000 $485,000 361.9% 0.1%
    Morgan Stanley Private Bank $485,000 n/a 0.1%
    Heritage Bank $455,000 n/a 0.0%
    Bell Bank $175,000 $445,000 154.3% 0.0%
    Carrington Mortgage Services, LLC $1,290,000 $405,000 -68.6% 0.0%
    CLEARPATH LENDING $1,295,000 $395,000 -69.5% 0.0%
    EMBRACE HOME LOANS, INC. $375,000 $385,000 2.7% 0.0%
    NEXERA HOLDING LLC $385,000 n/a 0.0%
    SAMMAMISH MORTGAGE COMPANY $745,000 $385,000 -48.3% 0.0%
    NFM, INC. $295,000 $375,000 27.1% 0.0%
    Summit Mortgage Corporation $195,000 $375,000 92.3% 0.0%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $480,000 $365,000 -24.0% 0.0%
    SPOKANE TEACHERS $365,000 n/a 0.0%
    Stifel Bank and Trust $3,050,000 $365,000 -88.0% 0.0%
    Waterstone Mortgage Corporation $745,000 $350,000 -53.0% 0.0%
    MICHIGAN MUTUAL, INC. $345,000 n/a 0.0%
    AMCAP MORTGAGE, LTD. $335,000 $330,000 -1.5% 0.0%
    COLUMBIA COMMUNITY CREDIT UNION $325,000 n/a 0.0%
    Ixonia Bank $320,000 n/a 0.0%
    OCMBC, INC. $245,000 $315,000 28.6% 0.0%
    Cache Valley Bank $410,000 $310,000 -24.4% 0.0%
    BETTER MORTGAGE CORPORATION $3,715,000 $295,000 -92.1% 0.0%
    HOMEXPRESS MORTGAGE CORP. $1,110,000 $275,000 -75.2% 0.0%
    RESIDENTIAL MORTGAGE, LLC $275,000 n/a 0.0%
    ZILLOW HOME LOANS, LLC $865,000 $255,000 -70.5% 0.0%
    Deere Employees Credit Union $195,000 $240,000 23.1% 0.0%
    First National Bank of America $235,000 n/a 0.0%
    LIMA ONE CAPITAL, LLC $225,000 n/a 0.0%
    Plains Commerce Bank $225,000 n/a 0.0%
    M&T Bank $155,000 $205,000 32.3% 0.0%
    FIRST TECHNOLOGY $175,000 n/a 0.0%
    HOMESIDE FINANCIAL, LLC $1,460,000 $175,000 -88.0% 0.0%
    MORTGAGE ACCESS CORP. $175,000 n/a 0.0%
    RESIDENTIAL WHOLESALE MORTGAGE, INC. $175,000 n/a 0.0%
    First Republic Bank $6,825,000 $145,000 -97.9% 0.0%
    Citibank $115,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $420,000 $115,000 -72.6% 0.0%
    Utah Mortgage Loan Corporation $285,000 $115,000 -59.6% 0.0%
    CORNHUSKER BANK $105,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $175,000 $105,000 -40.0% 0.0%
    TOP FLITE FINANCIAL, INC. $360,000 $105,000 -70.8% 0.0%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $295,000 $85,000 -71.2% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $85,000 n/a 0.0%
    Coastal Community Bank $80,000 n/a 0.0%
    Lakeview Community Capital, LLC $75,000 n/a 0.0%
    QUORUM FEDERAL CREDIT UNION $65,000 $75,000 15.4% 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $65,000 n/a 0.0%
    Deseret First Credit Union $935,000 $15,000 -98.4% 0.0%

    IDAHO FALLS's top lender by overall market share is IDAHO CENTRAL, with 14.1% market share. In second place, with 9.2%, is Eagle Bank and Trust Company, having originated $87,945,000 in loans. In third place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $53,200,000 in loans. In fourth place, with 4.6%, is CANOPY MORTGAGE, LLC, having originated $43,850,000 in loans. In fifth place, with 4.2%, is QUICKEN LOANS, LLC, having originated $40,250,000 in loans.

    IDAHO FALLS Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - IDAHO FALLS (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $242,450 (28.3%) $328,662 (29.2%) 0.00 340
    2018-02-01 $254,675 (34.0%) $339,142 (30.5%) 0.00 297
    2018-03-01 $269,900 (38.6%) $353,742 (36.0%) 0.00 274
    2018-04-01 $260,000 (15.6%) $335,485 (13.1%) 0.00 287
    2018-05-01 $261,075 (15.3%) $325,139 (6.3%) 0.00 317
    2018-06-01 $259,900 (13.0%) $329,255 (7.2%) 0.00 347
    2018-07-01 $259,573 (7.5%) $325,082 (2.3%) 0.00 373
    2018-08-01 $259,900 (8.5%) $333,650 (8.3%) 0.00 397
    2018-09-01 $265,000 (12.8%) $329,954 (7.3%) 0.00 415
    2018-10-01 $264,000 (14.8%) $339,966 (12.0%) 0.00 394
    2018-11-01 $267,000 (17.5%) $350,297 (12.2%) 0.00 362
    2018-12-01 $259,900 (10.6%) $352,077 (8.4%) 0.00 293
    2019-01-01 $267,475 (10.3%) $361,070 (9.9%) 0.00 241
    2019-02-01 $287,400 (12.9%) $376,868 (11.1%) 0.00 244
    2019-03-01 $294,214 (9.0%) $384,834 (8.8%) 0.00 231
    2019-04-01 $299,450 (15.2%) $393,540 (17.3%) 0.00 221
    2019-05-01 $294,900 (13.0%) $379,834 (16.8%) 0.00 270
    2019-06-01 $290,000 (11.6%) $379,689 (15.3%) 0.00 302
    2019-07-01 $292,400 (12.7%) $376,222 (15.7%) 0.00 324
    2019-08-01 $287,909 (10.8%) $372,446 (11.6%) 0.00 342
    2019-09-01 $288,523 (8.9%) $375,581 (13.8%) 0.00 342
    2019-10-01 $288,932 (9.4%) $377,475 (11.0%) 0.00 345
    2019-11-01 $285,000 (6.7%) $378,745 (8.1%) 0.00 329
    2019-12-01 $291,500 (12.2%) $390,681 (11.0%) 0.00 285
    2020-01-01 $289,950 (8.4%) $383,965 (6.3%) 0.00 253
    2020-02-01 $295,000 (2.6%) $390,900 (3.7%) 0.00 243
    2020-03-01 $317,500 (7.9%) $390,374 (1.4%) 0.00 226
    2020-04-01 $315,000 (5.2%) $387,422 (-1.6%) 0.00 282
    2020-05-01 $325,000 (10.2%) $382,808 (0.8%) 0.00 286
    2020-06-01 $345,000 (19.0%) $413,042 (8.8%) 0.00 259
    2020-07-01 $337,675 (15.5%) $406,416 (8.0%) 0.00 228
    2020-08-01 $350,000 (21.6%) $414,207 (11.2%) 0.00 202
    2020-09-01 $372,500 (29.1%) $441,407 (17.5%) 0.00 178
    2020-10-01 $365,000 (26.3%) $452,841 (20.0%) 0.00 135
    2020-11-01 $354,500 (24.4%) $452,978 (19.6%) 0.00 110
    2020-12-01 $376,250 (29.1%) $429,850 (10.0%) 0.00 91
    2021-01-01 $370,000 (27.6%) $412,898 (7.5%) 0.00 80
    2021-02-01 $370,250 (25.5%) $418,466 (7.1%) 0.00 83
    2021-03-01 $369,950 (16.5%) $457,891 (17.3%) 0.00 90
    2021-04-01 $397,000 (26.0%) $510,978 (31.9%) 0.00 98
    2021-05-01 $425,000 (30.8%) $528,690 (38.1%) 0.00 101
    2021-06-01 $426,000 (23.5%) $559,917 (35.6%) 0.00 139
    2021-07-01 $425,000 (25.9%) $528,546 (30.1%) 0.00 173
    2021-08-01 $442,500 (26.4%) $532,943 (28.7%) 0.00 215
    2021-09-01 $457,475 (22.8%) $534,187 (21.0%) 0.00 239
    2021-10-01 $465,000 (27.4%) $540,918 (19.5%) 0.00 220
    2021-11-01 $450,000 (26.9%) $545,001 (20.3%) 0.00 159
    2021-12-01 $472,500 (25.6%) $560,704 (30.4%) 0.00 140
    2022-01-01 $495,000 (33.8%) $599,189 (45.1%) 0.00 109
    2022-02-01 $528,250 (42.7%) $639,341 (52.8%) 0.00 104
    2022-03-01 $480,000 (29.8%) $584,891 (27.7%) 0.00 117
    2022-04-01 $520,000 (31.0%) $596,107 (16.7%) 0.00 160
    2022-05-01 $525,000 (23.5%) $614,484 (16.2%) 0.00 285
    2022-06-01 $487,125 (14.4%) $587,344 (4.9%) 0.00 425
    2022-07-01 $474,900 (11.7%) $560,541 (6.1%) 0.00 562
    2022-08-01 $455,000 (2.8%) $528,340 (-0.9%) 0.00 593
    2022-09-01 $451,250 (-1.4%) $529,558 (-0.9%) 0.00 566
    2022-10-01 $450,000 (-3.2%) $534,708 (-1.2%) 0.00 536
    2022-11-01 $450,000 (0.0%) $524,283 (-3.8%) 0.00 511
    2022-12-01 $440,000 (-6.9%) $515,412 (-8.1%) 0.00 466
    2023-01-01 $449,225 (-9.3%) $518,141 (-13.5%) 0.00 405
    2023-02-01 $457,500 (-13.4%) $527,184 (-17.5%) 0.00 374
    2023-03-01 $475,000 (-1.0%) $540,117 (-7.7%) 0.00 351
    2023-04-01 $470,000 (-9.6%) $542,523 (-9.0%) 0.00 345
    2023-05-01 $479,750 (-8.6%) $558,519 (-9.1%) 0.00 373
    2023-06-01 $477,200 (-2.0%) $548,974 (-6.5%) 0.00 407
    2023-07-01 $475,000 (0.0%) $550,467 (-1.8%) 0.00 466
    2023-08-01 $466,250 (2.5%) $559,699 (5.9%) 0.00 456
    2023-09-01 $459,950 (1.9%) $573,598 (8.3%) 0.00 455
    2023-10-01 $447,500 (-0.6%) $566,911 (6.0%) 0.00 478
    2023-11-01 $441,975 (-1.8%) $541,525 (3.3%) 0.00 451
    2023-12-01 $435,000 (-1.1%) $523,897 (1.7%) 0.00 423
    2024-01-01 $435,000 (-3.2%) $523,548 (1.0%) 0.00 349
    2024-02-01 $445,000 (-2.7%) $532,274 (1.0%) 0.00 303
    2024-03-01 $480,000 (1.1%) $569,816 (5.5%) 0.00 310
    2024-04-01 $484,500 (3.1%) $584,265 (7.7%) 0.00 347
    2024-05-01 $492,000 (2.6%) $598,915 (7.2%) 0.00 391
    2024-06-01 $489,900 (2.7%) $605,643 (10.3%) 0.00 441
    2024-07-01 $487,375 (2.6%) $593,073 (7.7%) 0.00 473
    2024-08-01 $480,000 (3.0%) $589,936 (5.4%) 0.00 521
    2024-09-01 $472,500 (2.7%) $595,626 (3.8%) 0.00 549
    2024-10-01 $461,500 (3.1%) $562,056 (-0.9%) 0.00 542
    IDAHO FALLS's median listing price for 2024-10-01 was $461,500, a difference of $14,000 (3.1%) versus the prior year and $-11,000 versus the prior month.

    IDAHO FALLS's median listing price comes in at 0% of the national average.

    IDAHO FALLS's average listing price for 2024-10-01 was $562,056, a difference of $-4,855 (-0.9%) versus the prior year and $-33,570 versus the prior month.

    For the 2024-10-01 period, IDAHO FALLS had 542 MLS listings, a difference of -7 listings (-1%) versus the prior month and 64 listings (13%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - IDAHO FALLS (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,953 sqft
    2018-02-01 0 days 2,975 sqft
    2018-03-01 0 days 3,012 sqft
    2018-04-01 0 days 2,944 sqft
    2018-05-01 0 days 2,926 sqft
    2018-06-01 0 days 2,836 sqft
    2018-07-01 0 days 2,784 sqft
    2018-08-01 0 days 2,794 sqft
    2018-09-01 0 days 2,790 sqft
    2018-10-01 0 days 2,817 sqft
    2018-11-01 0 days 2,959 sqft
    2018-12-01 0 days 2,995 sqft
    2019-01-01 0 days 2,941 sqft
    2019-02-01 0 days 2,968 sqft
    2019-03-01 0 days 2,965 sqft
    2019-04-01 0 days 2,988 sqft
    2019-05-01 0 days 2,880 sqft
    2019-06-01 0 days 2,887 sqft
    2019-07-01 0 days 2,819 sqft
    2019-08-01 0 days 2,780 sqft
    2019-09-01 0 days 2,765 sqft
    2019-10-01 0 days 2,755 sqft
    2019-11-01 0 days 2,688 sqft
    2019-12-01 0 days 2,691 sqft
    2020-01-01 0 days 2,735 sqft
    2020-02-01 0 days 2,760 sqft
    2020-03-01 0 days 2,854 sqft
    2020-04-01 0 days 2,800 sqft
    2020-05-01 0 days 2,864 sqft
    2020-06-01 0 days 3,027 sqft
    2020-07-01 0 days 2,914 sqft
    2020-08-01 0 days 2,859 sqft
    2020-09-01 0 days 2,833 sqft
    2020-10-01 0 days 2,702 sqft
    2020-11-01 0 days 2,567 sqft
    2020-12-01 0 days 2,624 sqft
    2021-01-01 0 days 2,396 sqft
    2021-02-01 0 days 2,326 sqft
    2021-03-01 0 days 2,716 sqft
    2021-04-01 0 days 2,757 sqft
    2021-05-01 0 days 2,800 sqft
    2021-06-01 0 days 2,826 sqft
    2021-07-01 0 days 2,728 sqft
    2021-08-01 0 days 2,755 sqft
    2021-09-01 0 days 2,795 sqft
    2021-10-01 0 days 2,792 sqft
    2021-11-01 0 days 2,798 sqft
    2021-12-01 0 days 2,852 sqft
    2022-01-01 0 days 2,884 sqft
    2022-02-01 0 days 2,991 sqft
    2022-03-01 0 days 2,772 sqft
    2022-04-01 0 days 2,940 sqft
    2022-05-01 0 days 2,959 sqft
    2022-06-01 0 days 2,882 sqft
    2022-07-01 0 days 2,842 sqft
    2022-08-01 0 days 2,815 sqft
    2022-09-01 0 days 2,806 sqft
    2022-10-01 0 days 2,816 sqft
    2022-11-01 0 days 2,905 sqft
    2022-12-01 0 days 2,883 sqft
    2023-01-01 0 days 2,888 sqft
    2023-02-01 0 days 2,945 sqft
    2023-03-01 0 days 2,998 sqft
    2023-04-01 0 days 3,001 sqft
    2023-05-01 0 days 2,973 sqft
    2023-06-01 0 days 2,884 sqft
    2023-07-01 0 days 2,826 sqft
    2023-08-01 0 days 2,887 sqft
    2023-09-01 0 days 2,882 sqft
    2023-10-01 0 days 2,813 sqft
    2023-11-01 0 days 2,740 sqft
    2023-12-01 0 days 2,714 sqft
    2024-01-01 0 days 2,735 sqft
    2024-02-01 0 days 2,732 sqft
    2024-03-01 0 days 2,773 sqft
    2024-04-01 0 days 2,799 sqft
    2024-05-01 0 days 2,869 sqft
    2024-06-01 0 days 2,904 sqft
    2024-07-01 0 days 2,895 sqft
    2024-08-01 0 days 2,880 sqft
    2024-09-01 0 days 2,859 sqft
    2024-10-01 0 days 2,783 sqft
    IDAHO FALLS's median listing age (time on market) for 2024-10-01 was 0 days.

    IDAHO FALLS's median square footage for active listings during the 2024-10-01 period was 2,783 sqft. One year prior, the average listing was 2,813 sqft.

    IDAHO FALLS, ID Average Rent (2023)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    83236 Idaho Falls, ID HUD Metro FMR Area $670 $800 $980 $1,390 $1,670
    83274 Idaho Falls, ID HUD Metro FMR Area $670 $800 $980 $1,390 $1,670
    83285 Idaho Falls, ID HUD Metro FMR Area $670 $800 $980 $1,390 $1,670
    83401 Idaho Falls, ID HUD Metro FMR Area $670 $800 $980 $1,390 $1,670
    83402 Idaho Falls, ID HUD Metro FMR Area $580 $690 $850 $1,210 $1,450
    83403 Idaho Falls, ID HUD Metro FMR Area $670 $800 $980 $1,390 $1,670
    83404 Idaho Falls, ID HUD Metro FMR Area $730 $870 $1,070 $1,520 $1,820
    83405 Idaho Falls, ID HUD Metro FMR Area $670 $800 $980 $1,390 $1,670
    83406 Idaho Falls, ID HUD Metro FMR Area $760 $900 $1,110 $1,580 $1,890
    83425 Idaho Falls, ID HUD Metro FMR Area $710 $850 $1,040 $1,480 $1,770
    83427 Idaho Falls, ID HUD Metro FMR Area $1,010 $1,190 $1,470 $2,090 $2,500
    83428 Idaho Falls, ID HUD Metro FMR Area $670 $820 $1,010 $1,440 $1,730
    83431 Idaho Falls, ID HUD Metro FMR Area $680 $810 $1,000 $1,420 $1,700
    83434 Idaho Falls, ID HUD Metro FMR Area $670 $800 $980 $1,390 $1,670
    83435 Idaho Falls, ID HUD Metro FMR Area $790 $930 $1,150 $1,630 $1,960
    83442 Idaho Falls, ID HUD Metro FMR Area $680 $800 $990 $1,410 $1,690
    83443 Idaho Falls, ID HUD Metro FMR Area $820 $980 $1,200 $1,710 $2,040
    83444 Idaho Falls, ID HUD Metro FMR Area $850 $1,010 $1,240 $1,760 $2,110
    83449 Idaho Falls, ID HUD Metro FMR Area $600 $710 $870 $1,240 $1,480
    83450 Idaho Falls, ID HUD Metro FMR Area $650 $770 $950 $1,350 $1,620
    83454 Idaho Falls, ID HUD Metro FMR Area $670 $800 $980 $1,390 $1,670

    2022 Average & Median Rent Data Statistics
    IDAHO FALLS, ID average 1BR rent: $844, median: $800
    IDAHO FALLS, ID average 2BR rent: $1,038, median: $980
    IDAHO FALLS, ID average 3BR rent: $1,474, median: $1,390

    IDAHO FALLS, ID Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 2,077 $680,425,000 $327,600
    Cash Out Refi 599 $103,755,000 $173,214
    Home Improvement 578 $49,740,000 $86,055
    Other 337 $41,325,000 $122,626
    Refi 256 $76,110,000 $297,305

    Idaho Falls's most frequently cited loan purpose was Home Purchase, with 2,077 originations. The 2nd most popular reason was Cash Out Refi, with 599 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 1,323 $405,095,000 $306,194
    Over 8% 967 $118,005,000 $122,032
    5-6% 747 $219,925,000 $294,411
    7-8% 695 $172,225,000 $247,806
    4-5% 79 $11,585,000 $146,646
    3-4% 3 $1,345,000 $448,333
    <2.5% 1 $235,000 $235,000

    During 2023, Idaho Falls's most frequently originated rate bucket was 6-7%, with 1,323 originations.

    Loan Sizing (IDAHO FALLS, ID MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 1,529 $450,055,000 $294,346
    $100,000 or less 1,089 $52,755,000 $48,444
    $100k-200k 606 $86,870,000 $143,350
    $400k-600k 483 $225,105,000 $466,056
    $600k-1000k 120 $86,510,000 $720,917
    $Over $1MM 20 $50,060,000 $2,503,000

    IDAHO FALLS's loan sizing saw the bucket of loans from $200k-400k with 1,529 originations, totaling $450,055,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,252 $449,230,000 $358,810
    Under 20% 984 $49,730,000 $50,539
    60-80% 637 $228,635,000 $358,925
    20-40% 516 $70,310,000 $136,260
    40-60% 378 $122,100,000 $323,016
    Over 100% 44 $17,300,000 $393,182

    IDAHO FALLS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,252 originations, totaling $449,230,000 in origination value.