IDAHO FALLS Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Idaho Falls averaged 6.44% for the week of 2022-12-01, compared to the national average of 6.49% for the same period.

The average rate for the prior week (2022-11-23) was 6.33% and one month ago for the week of 2022-10-27, the average rate was 6.83%.

Idaho Falls's average rate one year ago was 3.37%.

For refis of the same type during the week of 2022-12-01, the average rate was 6.24%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-12-01 6.49%
Idaho Falls 30 Year Fixed Rate 2022-12-01 6.44%
Idaho Falls 30 Year Fixed Rate Refi 2022-12-01 6.24%
Idaho Falls 15 Year Fixed Rate 2022-12-01 5.83%
Idaho Falls 15 Year Fixed Rate Refi 2022-12-01 5.6%
Idaho Falls 30 Year FHA 2022-12-01 6.62%
Idaho Falls 30 Year FHA Refi 2022-12-01 6.45%
Idaho Falls 30 Year USDA 2022-12-01 5.98%
Idaho Falls 30 Year USDA Refi 2022-12-01 5.98%
Idaho Falls 30 Year VA 2022-12-01 6.3%
Idaho Falls 30 Year VA Refi 2022-12-01 5.94%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
IDAHO CENTRAL 640 3.13% $5,740
CANOPY MORTGAGE, LLC 565 2.96% $5,737
Eagle Bank and Trust Company 565 2.94% $5,694
QUICKEN LOANS, LLC 325 3.03% $5,979
Flagstar Bank, FSB 217 3.17% $5,606
UNITED WHOLESALE MORTGAGE, LLC 172 3.07% $4,545
MANN FINANCIAL INC. 124 3.18% $5,855
BEEHIVE 120 2.79% $4,589
FIRST COLONY MORTGAGE CORPORATION 118 3.01% $6,174
VERITAS FUNDING, LLC 109 3.14% $6,215
WESTMARK Credit Union 100 2.88% $7,015
S1L, Inc. 93 3.22% $5,556
LOANDEPOT.COM, LLC 88 2.99% $5,543
MOUNTAIN AMERICA 80 2.96% $5,003
Bank of Idaho 76 2.91% $5,445
U.S. Bank 71 3.01% $6,275
Glacier Bank 71 2.98% $5,522
Gateway First Bank 67 2.96% $5,034
KeyBank 65 2.97% $4,936
EAST IDAHO Credit Union 60 3.08% $5,408
AMERISAVE MORTGAGE CORPORATION 58 2.96% $5,516
Wells Fargo Bank 56 3.16% $3,968
AMERICAN FINANCING CORPORATION 54 3.08% $4,875
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 51 3.05% $6,518
IDAHO STATE UNIVERSITY 51 3.01% $6,001
CALIBER HOME LOANS, INC. 50 3.18% $4,812
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 42 3.14% $6,331
PRIMARY RESIDENTIAL MORTGAGE, INC. 40 3.15% $8,015
PENNYMAC LOAN SERVICES, LLC 38 3.00% $5,904
JPMorgan Chase Bank 33 3.01% $4,705
SUMMIT FUNDING, INC. 32 3.09% $7,796
BETTER MORTGAGE CORPORATION 32 2.84% $3,921
BROKER SOLUTIONS, INC. 31 3.07% $5,168
GUILD MORTGAGE COMPANY 30 3.16% $5,349
Mr. Cooper ( Nationstar Mortgage ) 28 3.34% $6,384
PACIFIC RESIDENTIAL MORTGAGE, LLC 27 3.07% $6,223
Zions Bancorporation, N.A. 26 2.92% $4,897
D. L. Evans Bank 21 2.99% $5,536
ACADEMY MORTGAGE CORPORATION 18 3.19% $6,405
LOANPAL, LLC 17 3.31% $6,008
NBKC BANK 16 3.02% $2,773
NEWREZ LLC 16 3.21% $6,405
FREEDOM MORTGAGE CORPORATION 15 3.36% $4,910
AMERICAN PACIFIC MORTGAGE CORPORATION 14 3.13% $4,981
MOVEMENT MORTGAGE, LLC 12 3.10% $6,440
HOME POINT FINANCIAL CORPORATION 12 2.97% $5,724
FINANCE OF AMERICA MORTGAGE LLC 11 3.21% $5,804
PREMIER MORTGAGE RESOURCES, L.L.C. 11 3.23% $6,279
INTERCAP LENDING INC. 11 3.03% $4,008
MUTUAL OF OMAHA MORTGAGE, INC. 11 3.00% $3,738
KELLER MORTGAGE, LLC 10 3.10% $3,168
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 10 3.15% $6,201
SECURITYNATIONAL MORTGAGE COMPANY 9 3.26% $3,799
VAN DYK MORTGAGE CORPORATION 9 3.03% $8,276
AMERICAN FINANCIAL NETWORK, INC. 9 3.28% $12,260
PROVIDENT FUNDING ASSOCIATES, L.P. 9 2.75% $3,676
ADVANTAGE PLUS 7 3.30% $6,516
CROSSCOUNTRY MORTGAGE, LLC 7 3.23% $6,160
CENTENNIAL LENDING, LLC 7 3.00% $5,186
NAVY FEDERAL CREDIT UNION 7 2.95% $6,038
CONNECTIONS 7 2.79% $5,767
STEARNS LENDING, LLC 7 3.02% $4,867
ZILLOW HOME LOANS, LLC 6 3.00% $5,190
CMG MORTGAGE, INC. 6 3.16% $5,922
LAKEVIEW LOAN SERVICING, LLC 6 3.48% $3,020
Carrington Mortgage Services, LLC 6 3.15% $6,450
Wyndham Capital Mortgage, Inc. 5 3.13% $2,453
AMERICAN INTERNET MORTGAGE, INC. 5 2.78% $4,489
First Home Bank 5 3.13% $5,602
Washington Federal Bank 5 3.55% $6,987
CITYWIDE HOME LOANS, LLC 5 3.05% $6,276
FirstBank 4 2.91% $3,322
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 4 3.22% $6,394
GENEVA FINANCIAL, LLC 4 3.38% $4,850
GUARANTEED RATE, INC. 4 3.47% $5,280
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.13% $7,227
RANLIFE, INC. 4 3.12% $5,159
VISION ONE MORTGAGE, INC. 4 3.03% $6,008
Waterstone Mortgage Corporation 4 3.25% $5,645
AMERICA FIRST 3 2.83% $5,926
SOFI LENDING CORP. 3 2.79% $4,349
Northpointe Bank 3 2.96% $6,335
CELEBRITY HOME LOANS, LLC 3 3.25% $5,860
CHURCHILL MORTGAGE CORPORATION 3 3.21% $7,374
Citadel Servicing Corporation 3 4.96% $5,832
Ally Bank 3 3.04% $5,516
AXIA FINANCIAL, LLC 3 3.17% $10,743
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 3.04% $4,517
AmeriHome Mortgage Company, LLC 3 3.13% $5,224
DIRECT MORTGAGE, CORP. 3 3.08% $4,420
Umpqua Bank 3 2.92% $4,683
SUN WEST MORTGAGE COMPANY, INC. 3 2.83% $5,911
Bank of England 3 3.13% $4,945
SWBC MORTGAGE CORPORATION 2 2.88% $4,697
First Guaranty Mortgage Corporation 2 2.88% $2,848
HOMESTEAD FUNDING CORP. 2 2.81% $5,505
EMBRACE HOME LOANS, INC. 2 3.19% $4,370
DRAPER AND KRAMER MORTGAGE CORP. 2 2.56% $4,712
Deseret First Credit Union 2 3.19% $6,035
Commerce Home Mortgage, Inc. 2 3.69% $7,681
Nations Lending Corporation 2 3.13% $10,551
CHERRY CREEK MORTGAGE, LLC 2 3.18% $2,565
North American Savings Bank, F.S.B. 2 3.13% $1,903
PLANET HOME LENDING, LLC 2 2.99% $5,000
Platinum Home Mortgage Corporation 2 2.93% $8,497
PNC Bank 2 3.13% $5,183
Willamette Valley Bank 2 3.19% $5,072
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.00% $4,096
BAY EQUITY LLC 2 3.13% $9,335
SECURITY HOME MORTGAGE, LLC. 2 3.19% $6,772
Strong Home Mortgage, LLC 2 3.38% $4,976
USAA Federal Savings Bank 2 3.44% $3,694
Watermark Capital, Inc. 2 2.63% $2,972
First Western Trust Bank 2 3.06% $3,748
LENDERFI, INC. 1 2.88% $1,821
Northwest Farm Credit Services, FLCA 1 3.10% $8,335
NP, Inc. 1 3.25% $3,224
Opportunity Bank of Montana 1 3.00% $5,592
BOKF 1 3.25% $3,081
PARKSIDE LENDING, LLC 1 2.75% $4,229
BNY Mellon 1 2.88% $8,435
PENTAGON FEDERAL CREDIT UNION 1 2.50% $5,424
PHH Mortgage Corporation 1 3.88% $6,111
PIONEER 1 2.88% $4,778
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.50% $3,130
West Gate Bank 1 2.63% $3,998
First Federal Savings Bank of Twin Falls 1 2.99% $6,439
BNC National Bank 1 3.50% $3,610
Blue Ridge Bank 1 2.88% $4,700
Prime Choice Funding Inc. 1 3.13% $3,688
Amerifirst Financial, Inc. 1 3.13% $3,730
Prosperity Home Mortgage, LLC 1 3.38% $4,411
BELEM SERVICING LLC 1 3.00% $3,940
BBVA USA 1 3.00% $16,678
Western State Bank 1 2.88% $6,835
First Interstate Bank 1 2.88% $10,504
Franklin Loan Corporation 1 3.00% $3,565
Barrington Bank & Trust Company, N.A. 1 3.25% $2,640
Sierra Pacific Mortgage Company, Inc. 1 2.75% $2,886
SIRVA MORTGAGE, INC. 1 3.38% $2,429
LAND HOME FINANCIAL SERVICES, INC. 1 3.25% $4,708
SOVEREIGN LENDING GROUP INCORPORATED 1 2.50% $5,808
Bank of Utah 1 3.38% $6,661
Stifel Bank and Trust 1 2.75% $2,198
FIRST TECHNOLOGY 1 3.00% $5,953
LADERA LENDING, INC. 1 3.13% $4,718
DHA FINANCIAL, LLC 1 2.88% $10,274
AMERICAN UNITED FAMILY OF CREDIT UN 1 2.97% $6,146
The Federal Savings Bank 1 3.13% $5,740
TIAA, FSB 1 3.99% $8,527
Truist 1 3.10% $3,333
DIGNIFIED HOME LOANS, LLC 1 3.38% $4,194
Bank of America 1 2.88% $5,525
First State Bank of St. Charles, Missouri 1 3.25% $4,801
Axos Bank 1 2.88% $1,747
Community First National Bank 1 3.25% $3,639
US MORTGAGE CORPORATION 1 2.99% $9,296
Morgan Stanley Private Bank 1 2.90% $11,039
MORIA DEVELOPMENT, INC. 1 3.50% $7,026
MORTGAGEONE, INC. 1 2.88% $4,374
Mortgage Research Center, LLC 1 3.75% $7,620
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 3.00% $6,948
Citizens Bank 1 3.13% $3,848
CORNERSTONE HOME LENDING, INC. 1 3.38% $5,347
LENOX FINANCIAL MORTGAGE CORPORATION 1 4.13% $5,507
EVERETT FINANCIAL, INC. 1 3.99% $2,688
CHEVRON 1 2.75% $3,889
Arvest Bank 1 3.50% $2,372
LENDUS, LLC 1 3.63% $8,921
HOMESIDE FINANCIAL, LLC 1 2.63% $7,349

IDAHO FALLS Average Closing Costs & Other Stats

IDAHO FALLS, ID's 170 lenders originated 10,240 loans during 2021. The total origination value was $2,476,200,000, with an average loan value of $241,816.

IDAHO FALLS's average closing costs are $5,823.

The top IDAHO FALLS lender as defined by loan originations is IDAHO CENTRAL, with 640 loans originated. Their average total fees are $5,740, which is $3 higher than the next largest lender, CANOPY MORTGAGE, LLC.

The lowest fee IDAHO FALLS lenders (with over 10 loans originated) are NBKC BANK ($2,773), KELLER MORTGAGE, LLC ($3,168), MUTUAL OF OMAHA MORTGAGE, INC. ($3,738), BETTER MORTGAGE CORPORATION ($3,921) and Wells Fargo Bank ($3,968).

The lowest rate IDAHO FALLS lenders (with over 10 loans originated) are BEEHIVE (2.79%), BETTER MORTGAGE CORPORATION (2.84%), WESTMARK Credit Union (2.88%), Bank of Idaho (2.91%) and Zions Bancorporation, N.A. (2.92%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
IDAHO CENTRAL $307,025,000 $368,920,000 20.2% 14.9%
Eagle Bank and Trust Company $255,110,000 $235,865,000 -7.5% 9.5%
CANOPY MORTGAGE, LLC $212,330,000 $224,920,000 5.9% 9.1%
QUICKEN LOANS, LLC $125,435,000 $155,390,000 23.9% 6.3%
Flagstar Bank, FSB $61,385,000 $83,615,000 36.2% 3.4%
MOUNTAIN AMERICA $63,070,000 $76,885,000 21.9% 3.1%
UNITED WHOLESALE MORTGAGE, LLC $43,600,000 $73,260,000 68.0% 3.0%
MANN FINANCIAL INC. $50,860,000 $61,975,000 21.9% 2.5%
WESTMARK Credit Union $57,930,000 $59,395,000 2.5% 2.4%
BEEHIVE $67,685,000 $54,340,000 -19.7% 2.2%
U.S. Bank $34,690,000 $41,575,000 19.8% 1.7%
FIRST COLONY MORTGAGE CORPORATION $27,920,000 $41,390,000 48.2% 1.7%
LOANDEPOT.COM, LLC $17,885,000 $40,885,000 128.6% 1.7%
KeyBank $30,020,000 $40,235,000 34.0% 1.6%
Zions Bancorporation, N.A. $37,970,000 $39,900,000 5.1% 1.6%
The Bank of Commerce $36,425,000 $38,740,000 6.4% 1.6%
FREEDOM MORTGAGE CORPORATION $50,585,000 $38,480,000 -23.9% 1.6%
VERITAS FUNDING, LLC $24,750,000 $35,395,000 43.0% 1.4%
Glacier Bank $43,865,000 $34,680,000 -20.9% 1.4%
S1L, Inc. $22,055,000 $31,560,000 43.1% 1.3%
Bank of Idaho $50,355,000 $30,200,000 -40.0% 1.2%
Gateway First Bank $43,955,000 $28,310,000 -35.6% 1.1%
EAST IDAHO Credit Union $18,970,000 $25,165,000 32.7% 1.0%
PENNYMAC LOAN SERVICES, LLC $9,040,000 $24,745,000 173.7% 1.0%
Wells Fargo Bank $15,395,000 $23,855,000 55.0% 1.0%
CALIBER HOME LOANS, INC. $22,680,000 $22,745,000 0.3% 0.9%
AMERISAVE MORTGAGE CORPORATION $13,665,000 $21,940,000 60.6% 0.9%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $4,790,000 $20,530,000 328.6% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $18,280,000 $20,225,000 10.6% 0.8%
IDAHO STATE UNIVERSITY $26,835,000 $18,980,000 -29.3% 0.8%
SUMMIT FUNDING, INC. $11,310,000 $17,245,000 52.5% 0.7%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,370,000 $16,785,000 1,125.2% 0.7%
D. L. Evans Bank $11,960,000 $16,440,000 37.5% 0.7%
AMERICAN FINANCING CORPORATION $9,180,000 $16,410,000 78.8% 0.7%
Mortgage Research Center, LLC $12,385,000 $15,505,000 25.2% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $12,220,000 $15,300,000 25.2% 0.6%
BETTER MORTGAGE CORPORATION $5,970,000 $14,025,000 134.9% 0.6%
JPMorgan Chase Bank $5,085,000 $13,715,000 169.7% 0.6%
GUILD MORTGAGE COMPANY $9,080,000 $13,300,000 46.5% 0.5%
PACIFIC RESIDENTIAL MORTGAGE, LLC $6,655,000 $12,290,000 84.7% 0.5%
HomeStreet Bank $14,455,000 $11,125,000 -23.0% 0.4%
NEWREZ LLC $3,895,000 $10,560,000 171.1% 0.4%
ACADEMY MORTGAGE CORPORATION $6,940,000 $9,790,000 41.1% 0.4%
BROKER SOLUTIONS, INC. $4,565,000 $9,515,000 108.4% 0.4%
NAVY FEDERAL CREDIT UNION $7,210,000 $9,090,000 26.1% 0.4%
CMG MORTGAGE, INC. $12,350,000 $9,050,000 -26.7% 0.4%
LAKEVIEW LOAN SERVICING, LLC $5,460,000 $8,150,000 49.3% 0.3%
LOANPAL, LLC $11,520,000 $6,785,000 -41.1% 0.3%
NBKC BANK $10,455,000 $6,605,000 -36.8% 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $5,270,000 $6,375,000 21.0% 0.3%
USAA Federal Savings Bank $10,250,000 $6,340,000 -38.1% 0.3%
NEW DAY FINANCIAL, LLC $5,510,000 $6,290,000 14.2% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,450,000 $6,120,000 322.1% 0.2%
MOVEMENT MORTGAGE, LLC $2,200,000 $6,095,000 177.0% 0.2%
HOME POINT FINANCIAL CORPORATION $2,680,000 $5,950,000 122.0% 0.2%
PREMIER MORTGAGE RESOURCES, L.L.C. $4,305,000 $5,900,000 37.0% 0.2%
INTERCAP LENDING INC. $5,525,000 $5,485,000 -0.7% 0.2%
Carrington Mortgage Services, LLC $4,445,000 $5,130,000 15.4% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $11,585,000 $4,880,000 -57.9% 0.2%
VAN DYK MORTGAGE CORPORATION $5,175,000 $4,440,000 -14.2% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $2,790,000 $4,410,000 58.1% 0.2%
CONNECTIONS $2,750,000 $4,240,000 54.2% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $2,045,000 $3,425,000 67.5% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $11,075,000 $3,355,000 -69.7% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $5,035,000 $3,125,000 -37.9% 0.1%
PLANET HOME LENDING, LLC $3,230,000 $3,060,000 -5.3% 0.1%
STEARNS LENDING, LLC $2,165,000 $3,040,000 40.4% 0.1%
The Federal Savings Bank $2,790,000 $2,905,000 4.1% 0.1%
KELLER MORTGAGE, LLC $4,490,000 $2,850,000 -36.5% 0.1%
GUARANTEED RATE, INC. $1,225,000 $2,835,000 131.4% 0.1%
ZILLOW HOME LOANS, LLC $235,000 $2,790,000 1,087.2% 0.1%
North American Savings Bank, F.S.B. $3,180,000 $2,610,000 -17.9% 0.1%
REVERSE MORTGAGE FUNDING LLC $680,000 $2,590,000 280.9% 0.1%
PHH Mortgage Corporation $765,000 $2,500,000 226.8% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $1,345,000 $2,460,000 82.9% 0.1%
AMERICA FIRST $3,030,000 $2,375,000 -21.6% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,535,000 $2,355,000 -7.1% 0.1%
Washington Federal Bank $4,280,000 $2,340,000 -45.3% 0.1%
AMERICAN ADVISORS GROUP $1,555,000 $2,295,000 47.6% 0.1%
Umpqua Bank $1,195,000 $2,290,000 91.6% 0.1%
COREVEST AMERICAN FINANCE LENDER LLC $2,285,000 n/a 0.1%
CLEARPATH LENDING $3,950,000 $2,240,000 -43.3% 0.1%
ADVANTAGE PLUS $2,735,000 $2,220,000 -18.8% 0.1%
CHURCHILL MORTGAGE CORPORATION $2,090,000 $2,210,000 5.7% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $4,300,000 $2,205,000 -48.7% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $2,115,000 $2,180,000 3.1% 0.1%
Wyndham Capital Mortgage, Inc. $880,000 $2,170,000 146.6% 0.1%
Waterstone Mortgage Corporation $1,105,000 $2,150,000 94.6% 0.1%
GENEVA FINANCIAL, LLC $1,675,000 $2,030,000 21.2% 0.1%
PNC Bank $315,000 $1,980,000 528.6% 0.1%
CHERRY CREEK MORTGAGE, LLC $1,970,000 $1,935,000 -1.8% 0.1%
First Home Bank $2,310,000 $1,895,000 -18.0% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,375,000 $1,865,000 -21.5% 0.1%
Ally Bank $185,000 $1,795,000 870.3% 0.1%
FirstBank $1,765,000 $1,750,000 -0.8% 0.1%
CENTENNIAL LENDING, LLC $6,150,000 $1,705,000 -72.3% 0.1%
CELEBRITY HOME LOANS, LLC $205,000 $1,595,000 678.0% 0.1%
CITYWIDE HOME LOANS, LLC $1,345,000 $1,555,000 15.6% 0.1%
Low VA Rates, LLC $1,475,000 $1,535,000 4.1% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,030,000 $1,500,000 45.6% 0.1%
Nations Lending Corporation $965,000 $1,460,000 51.3% 0.1%
Northpointe Bank $610,000 $1,455,000 138.5% 0.1%
Bank of the West $1,020,000 $1,450,000 42.2% 0.1%
RANLIFE, INC. $1,765,000 $1,435,000 -18.7% 0.1%
Bank of England $1,515,000 $1,365,000 -9.9% 0.1%
Willamette Valley Bank $810,000 $1,360,000 67.9% 0.1%
Commerce Home Mortgage, Inc. $595,000 $1,320,000 121.8% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,145,000 $1,320,000 -38.5% 0.1%
VISION ONE MORTGAGE, INC. $725,000 $1,310,000 80.7% 0.1%
PENTAGON FEDERAL CREDIT UNION $45,000 $1,295,000 2,777.8% 0.1%
Barrington Bank & Trust Company, N.A. $2,035,000 $1,260,000 -38.1% 0.1%
SOFI LENDING CORP. $930,000 $1,235,000 32.8% 0.0%
First Guaranty Mortgage Corporation $1,890,000 $1,220,000 -35.4% 0.0%
BBVA USA $1,215,000 n/a 0.0%
Wasatch Peaks Federal Credit Union $1,210,000 n/a 0.0%
AXIA FINANCIAL, LLC $1,070,000 $1,155,000 7.9% 0.0%
FINANCE OF AMERICA REVERSE LLC $440,000 $1,155,000 162.5% 0.0%
Northwest Farm Credit Services, FLCA $1,550,000 $1,135,000 -26.8% 0.0%
AmeriHome Mortgage Company, LLC $670,000 $1,085,000 61.9% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $1,335,000 $1,050,000 -21.3% 0.0%
Morgan Stanley Private Bank $1,005,000 n/a 0.0%
Deseret First Credit Union $740,000 $995,000 34.5% 0.0%
HOMESTEAD FUNDING CORP. $960,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $925,000 n/a 0.0%
BNY Mellon $905,000 n/a 0.0%
SECURITY HOME MORTGAGE, LLC. $950,000 $880,000 -7.4% 0.0%
Strong Home Mortgage, LLC $795,000 $870,000 9.4% 0.0%
First Interstate Bank $1,675,000 $860,000 -48.7% 0.0%
BNC National Bank $1,025,000 $835,000 -18.5% 0.0%
Citizens Bank $645,000 $805,000 24.8% 0.0%
Citadel Servicing Corporation $225,000 $790,000 251.1% 0.0%
SIRVA MORTGAGE, INC. $775,000 n/a 0.0%
Platinum Home Mortgage Corporation $850,000 $760,000 -10.6% 0.0%
BOKF $790,000 $715,000 -9.5% 0.0%
Cache Valley Bank $610,000 $710,000 16.4% 0.0%
Manufacturers and Traders Trust Company $535,000 $710,000 32.7% 0.0%
Independent Bank $675,000 $705,000 4.4% 0.0%
HOMEXPRESS MORTGAGE CORP. $655,000 $690,000 5.3% 0.0%
BAY EQUITY LLC $805,000 $685,000 -14.9% 0.0%
Bank of Utah $420,000 $670,000 59.5% 0.0%
EMBRACE HOME LOANS, INC. $705,000 $665,000 -5.7% 0.0%
Century Mortgage Company DBA Century Lending Company $645,000 n/a 0.0%
Magnolia Bank $1,035,000 $640,000 -38.2% 0.0%
Bank of America $2,025,000 $635,000 -68.6% 0.0%
Rock Canyon Bank $560,000 $630,000 12.5% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $185,000 $610,000 229.7% 0.0%
FOUR POINTS $610,000 n/a 0.0%
DIRECT MORTGAGE, CORP. $1,085,000 $575,000 -47.0% 0.0%
NP, Inc. $570,000 n/a 0.0%
Amerifirst Financial, Inc. $545,000 n/a 0.0%
LENDUS, LLC $425,000 $530,000 24.7% 0.0%
SWBC MORTGAGE CORPORATION $520,000 n/a 0.0%
Watermark Capital, Inc. $175,000 $520,000 197.1% 0.0%
MID AMERICA MORTGAGE, INC. $1,355,000 $500,000 -63.1% 0.0%
Sunflower Bank $495,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $490,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $165,000 $470,000 184.8% 0.0%
FIRST TECHNOLOGY $185,000 $455,000 145.9% 0.0%
CASTLE & COOKE MORTGAGE, LLC $1,605,000 $430,000 -73.2% 0.0%
Discover Bank $555,000 $425,000 -23.4% 0.0%
MORIA DEVELOPMENT, INC. $420,000 n/a 0.0%
Opportunity Bank of Montana $685,000 $415,000 -39.4% 0.0%
First Western Trust Bank $155,000 $410,000 164.5% 0.0%
Goldwater Bank, N.A. $410,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $405,000 n/a 0.0%
Prosperity Home Mortgage, LLC $405,000 n/a 0.0%
Arvest Bank $350,000 $400,000 14.3% 0.0%
Citibank $905,000 $385,000 -57.5% 0.0%
NBH Bank $570,000 $385,000 -32.5% 0.0%
Grand Valley Bank $255,000 $375,000 47.1% 0.0%
Union Bank and Trust Company $375,000 n/a 0.0%
First State Bank of St. Charles, Missouri $365,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $355,000 n/a 0.0%
MORTGAGEONE, INC. $345,000 n/a 0.0%
Western State Bank $335,000 n/a 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $325,000 n/a 0.0%
First Mortgage Solutions, LLC $325,000 n/a 0.0%
Axos Bank $705,000 $315,000 -55.3% 0.0%
Sierra Pacific Mortgage Company, Inc. $2,320,000 $315,000 -86.4% 0.0%
US MORTGAGE CORPORATION $315,000 n/a 0.0%
West Gate Bank $315,000 n/a 0.0%
THRIVENT Federal Credit Union $310,000 n/a 0.0%
KS StateBank $620,000 $305,000 -50.8% 0.0%
LADERA LENDING, INC. $305,000 n/a 0.0%
LENDERFI, INC. $305,000 n/a 0.0%
Prime Choice Funding Inc. $215,000 $305,000 41.9% 0.0%
Alaska USA Federal Credit Union $245,000 $300,000 22.4% 0.0%
EVERETT FINANCIAL, INC. $2,755,000 $300,000 -89.1% 0.0%
UNITED SECURITY FINANCIAL CORP $590,000 $300,000 -49.2% 0.0%
First Federal Savings Bank of Twin Falls $750,000 $295,000 -60.7% 0.0%
AMERICAN UNITED FAMILY OF CREDIT UN $285,000 n/a 0.0%
Austin Capital Bank SSB $275,000 n/a 0.0%
Farmers & Stockmens Bank $275,000 n/a 0.0%
TIAA, FSB $170,000 $275,000 61.8% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $295,000 $265,000 -10.2% 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $255,000 n/a 0.0%
Community First National Bank $255,000 n/a 0.0%
PARKSIDE LENDING, LLC $1,165,000 $255,000 -78.1% 0.0%
WASHINGTON STATE EMPLOYEES Credit Union $210,000 $255,000 21.4% 0.0%
Blue Ridge Bank $245,000 n/a 0.0%
Stifel Bank and Trust $420,000 $245,000 -41.7% 0.0%
Paramount Bank $235,000 n/a 0.0%
Truist Bank $365,000 $235,000 -35.6% 0.0%
LONGBRIDGE FINANCIAL, LLC $490,000 $230,000 -53.1% 0.0%
JMJ FINANCIAL GROUP $225,000 n/a 0.0%
OPEN MORTGAGE, LLC $255,000 $225,000 -11.8% 0.0%
Idaho First Bank $215,000 n/a 0.0%
21ST MORTGAGE CORPORATION $85,000 $210,000 147.1% 0.0%
CAPITAL EDUCATORS FEDERAL CREDIT UNION $130,000 $210,000 61.5% 0.0%
Utah Power $265,000 $210,000 -20.8% 0.0%
DHA FINANCIAL, LLC $205,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $205,000 n/a 0.0%
DIGNIFIED HOME LOANS, LLC $195,000 n/a 0.0%
IMPAC MORTGAGE CORP. $1,305,000 $195,000 -85.1% 0.0%
LENDINGONE, LLC $195,000 n/a 0.0%
PIONEER $195,000 n/a 0.0%
CHEVRON $175,000 n/a 0.0%
BELEM SERVICING LLC $165,000 n/a 0.0%
Franklin Loan Corporation $285,000 $165,000 -42.1% 0.0%
SOUTHWEST STAGE FUNDING, LLC $155,000 n/a 0.0%
Figure Lending LLC $145,000 $150,000 3.4% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $205,000 $145,000 -29.3% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $570,000 $125,000 -78.1% 0.0%
UTAH FIRST $385,000 $110,000 -71.4% 0.0%
Colonial Savings, F.A. $105,000 n/a 0.0%
Deere Employees Credit Union $45,000 $95,000 111.1% 0.0%
Centier Bank $75,000 n/a 0.0%
Bethpage Federal Credit Union $35,000 n/a 0.0%
GOLDENWEST $1,645,000 $35,000 -97.9% 0.0%
TCF National Bank $35,000 n/a 0.0%

IDAHO FALLS's top lender by overall market share is IDAHO CENTRAL, with 14.9% market share. In second place, with 9.5%, is Eagle Bank and Trust Company, having originated $235,865,000 in loans. In third place, with 9.1%, is CANOPY MORTGAGE, LLC, having originated $224,920,000 in loans. In fourth place, with 6.3%, is QUICKEN LOANS, LLC, having originated $155,390,000 in loans. In fifth place, with 3.4%, is Flagstar Bank, FSB, having originated $83,615,000 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 (13.1%) $329,954 (7.4%) 0.00 415
2018-10-01 $262,000 (13.9%) $339,398 (11.8%) 0.00 393
2018-11-01 $266,750 (17.4%) $349,695 (12.0%) 0.00 361
2018-12-01 $259,900 (10.6%) $351,340 (8.2%) 0.00 292
2019-01-01 $267,450 (10.3%) $360,670 (9.7%) 0.00 241
2019-02-01 $287,400 (12.9%) $376,868 (11.1%) 0.00 244
2019-03-01 $294,214 (9.0%) $385,201 (8.9%) 0.00 232
2019-04-01 $299,450 (15.2%) $394,336 (17.5%) 0.00 222
2019-05-01 $294,900 (13.0%) $379,243 (16.6%) 0.00 272
2019-06-01 $290,000 (11.6%) $379,175 (15.2%) 0.00 304
2019-07-01 $292,400 (12.7%) $375,745 (15.6%) 0.00 326
2019-08-01 $287,909 (10.8%) $372,011 (11.5%) 0.00 344
2019-09-01 $288,523 (8.9%) $375,129 (13.7%) 0.00 344
2019-10-01 $288,932 (10.3%) $377,006 (11.1%) 0.00 347
2019-11-01 $285,000 (6.8%) $378,316 (8.2%) 0.00 330
2019-12-01 $291,000 (12.0%) $390,150 (11.1%) 0.00 286
2020-01-01 $289,950 (8.4%) $383,407 (6.3%) 0.00 254
2020-02-01 $295,000 (2.6%) $390,288 (3.6%) 0.00 244
2020-03-01 $317,500 (7.9%) $389,760 (1.2%) 0.00 227
2020-04-01 $315,000 (5.2%) $386,911 (-1.9%) 0.00 283
2020-05-01 $325,000 (10.2%) $382,341 (0.8%) 0.00 287
2020-06-01 $345,000 (19.0%) $411,635 (8.6%) 0.00 261
2020-07-01 $337,675 (15.5%) $405,604 (8.0%) 0.00 230
2020-08-01 $350,000 (21.6%) $413,260 (11.1%) 0.00 204
2020-09-01 $372,500 (29.1%) $440,130 (17.3%) 0.00 180
2020-10-01 $365,000 (26.3%) $451,000 (19.6%) 0.00 137
2020-11-01 $354,500 (24.4%) $450,851 (19.2%) 0.00 112
2020-12-01 $376,250 (29.3%) $427,363 (9.5%) 0.00 93
2021-01-01 $370,000 (27.6%) $410,859 (7.2%) 0.00 82
2021-02-01 $370,250 (25.5%) $416,361 (6.7%) 0.00 85
2021-03-01 $369,950 (16.5%) $455,474 (16.9%) 0.00 92
2021-04-01 $395,000 (25.4%) $507,972 (31.3%) 0.00 100
2021-05-01 $425,000 (30.8%) $525,466 (37.4%) 0.00 103
2021-06-01 $422,500 (22.5%) $557,133 (35.4%) 0.00 141
2021-07-01 $422,500 (25.1%) $526,451 (29.8%) 0.00 175
2021-08-01 $441,000 (26.0%) $533,196 (29.0%) 0.00 218
2021-09-01 $455,000 (22.2%) $534,406 (21.4%) 0.00 242
2021-10-01 $460,000 (26.0%) $539,118 (19.5%) 0.00 222
2021-11-01 $449,975 (26.9%) $542,561 (20.3%) 0.00 161
2021-12-01 $471,200 (25.2%) $557,438 (30.4%) 0.00 142
2022-01-01 $492,000 (33.0%) $603,590 (46.9%) 0.00 110
2022-02-01 $527,000 (42.3%) $635,461 (52.6%) 0.00 106
2022-03-01 $478,750 (29.4%) $581,159 (27.6%) 0.00 119
2022-04-01 $520,000 (31.7%) $593,234 (16.8%) 0.00 162
2022-05-01 $524,500 (23.4%) $612,479 (16.6%) 0.00 287
2022-06-01 $487,000 (15.3%) $586,070 (5.2%) 0.00 427
2022-07-01 $472,450 (11.8%) $559,630 (6.3%) 0.00 564
2022-08-01 $455,000 (3.2%) $527,587 (-1.1%) 0.00 595
2022-09-01 $450,000 (-1.1%) $528,776 (-1.1%) 0.00 568
2022-10-01 $450,000 (-2.2%) $533,849 (-1.0%) 0.00 538
2022-11-01 $449,975 (0.0%) $523,406 (-3.5%) 0.00 513
IDAHO FALLS's median listing price for 2022-11-01 was $449,975, a difference of $0 (0.0%) versus the prior year and $-25 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 2022-11-01 was $523,406, a difference of $-19,155 (-3.5%) versus the prior year and $-10,443 versus the prior month.

For the 2022-11-01 period, IDAHO FALLS had 513 MLS listings, a difference of -25 listings (-5%) versus the prior month and 352 listings (219%) 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 2,784 sqft
2018-10-01 0 days 2,810 sqft
2018-11-01 0 days 2,956 sqft
2018-12-01 0 days 2,985 sqft
2019-01-01 0 days 2,937 sqft
2019-02-01 0 days 2,968 sqft
2019-03-01 0 days 2,967 sqft
2019-04-01 0 days 2,985 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 2,690 sqft
2019-12-01 0 days 2,697 sqft
2020-01-01 0 days 2,739 sqft
2020-02-01 0 days 2,762 sqft
2020-03-01 0 days 2,856 sqft
2020-04-01 0 days 2,800 sqft
2020-05-01 0 days 2,865 sqft
2020-06-01 0 days 3,022 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 2,734 sqft
2021-08-01 0 days 2,763 sqft
2021-09-01 0 days 2,796 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 2,876 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
IDAHO FALLS's median listing age (time on market) for 2022-11-01 was 0 days.

IDAHO FALLS's median square footage for active listings during the 2022-11-01 period was 2,905 sqft. One year prior, the average listing was 2,798 sqft.

IDAHO FALLS, ID Average Rent (2022)

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 $570 $700 $860 $1,220 $1,470
83274 Idaho Falls, ID $570 $700 $860 $1,220 $1,470
83285 Idaho Falls, ID $570 $700 $860 $1,220 $1,470
83401 Idaho Falls, ID $570 $700 $860 $1,220 $1,470
83402 Idaho Falls, ID $500 $620 $760 $1,080 $1,300
83403 Idaho Falls, ID $570 $700 $860 $1,220 $1,470
83404 Idaho Falls, ID $660 $810 $1,000 $1,420 $1,710
83405 Idaho Falls, ID $570 $700 $860 $1,220 $1,470
83406 Idaho Falls, ID $660 $810 $1,000 $1,420 $1,710
83425 Idaho Falls, ID $530 $650 $800 $1,140 $1,370
83427 Idaho Falls, ID $820 $1,010 $1,240 $1,760 $2,120
83428 Idaho Falls, ID $740 $910 $1,120 $1,590 $1,920
83431 Idaho Falls, ID $580 $710 $880 $1,250 $1,500
83434 Idaho Falls, ID $580 $710 $870 $1,240 $1,490
83435 Idaho Falls, ID $580 $720 $880 $1,250 $1,510
83442 Idaho Falls, ID $590 $720 $890 $1,260 $1,520
83443 Idaho Falls, ID $700 $860 $1,060 $1,510 $1,810
83444 Idaho Falls, ID $560 $690 $850 $1,210 $1,450
83449 Idaho Falls, ID $530 $650 $800 $1,140 $1,370
83450 Idaho Falls, ID $590 $720 $890 $1,260 $1,520
83454 Idaho Falls, ID $570 $700 $860 $1,220 $1,470

2022 Average & Median Rent Data Statistics
IDAHO FALLS, ID average 1BR rent: $738, median: $700
IDAHO FALLS, ID average 2BR rent: $908, median: $860
IDAHO FALLS, ID average 3BR rent: $1,289, median: $1,220

IDAHO FALLS, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,437 $1,009,465,000 $293,705
Cash Out Refi 3,195 $757,455,000 $237,075
Refi 2,684 $605,710,000 $225,674
Home Improvement 676 $67,450,000 $99,778
Other 248 $36,120,000 $145,645

Idaho Falls's most frequently cited loan purpose was Home Purchase, with 3,437 originations. The 2nd most popular reason was Cash Out Refi, with 3,195 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 4,200 $1,082,080,000 $257,638
3-4% 3,058 $775,610,000 $253,633
<2.5% 2,005 $478,295,000 $238,551
4-5% 607 $82,475,000 $135,873
5-6% 144 $12,740,000 $88,472
6-7% 54 $3,420,000 $63,333
Over 8% 11 $635,000 $57,727
7-8% 9 $335,000 $37,222

During 2021, Idaho Falls's most frequently originated rate bucket was 2.5-3%, with 4,200 originations.

Loan Sizing (IDAHO FALLS, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 4,876 $1,369,640,000 $280,894
$100k-200k 2,857 $437,015,000 $152,963
$100,000 or less 1,393 $74,695,000 $53,622
$400k-600k 957 $451,555,000 $471,844
$600k-1000k 133 $96,425,000 $725,000
$Over $1MM 24 $46,870,000 $1,952,917

IDAHO FALLS's loan sizing saw the bucket of loans from $200k-400k with 4,876 originations, totaling $1,369,640,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 3,393 $979,215,000 $288,599
80-100% 2,481 $782,805,000 $315,520
40-60% 2,023 $426,515,000 $210,833
20-40% 1,092 $143,570,000 $131,474
Under 20% 845 $34,835,000 $41,225
Over 100% 45 $17,835,000 $396,333

IDAHO FALLS's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 3,393 originations, totaling $979,215,000 in origination value.