IDAHO FALLS Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Idaho Falls averaged
5.4%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.45% and
one month ago for the week of 2022-04-14, the
average rate was 5.05%.
Idaho Falls's average rate one year ago was 3.11%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.1%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Idaho Falls 30 Year Fixed Rate | 2022-05-19 | 5.4% |
| Idaho Falls 30 Year Fixed Rate Refi | 2022-05-19 | 5.1% |
| Idaho Falls 15 Year Fixed Rate | 2022-05-19 | 4.9% |
| Idaho Falls 15 Year Fixed Rate Refi | 2022-05-19 | 4.27% |
| Idaho Falls 30 Year FHA | 2022-05-19 | 5.51% |
| Idaho Falls 30 Year FHA Refi | 2022-05-19 | 5.03% |
| Idaho Falls 30 Year USDA | 2022-05-19 | 5.16% |
| Idaho Falls 30 Year USDA Refi | 2022-05-19 | 4.96% |
| Idaho Falls 30 Year VA | 2022-05-19 | 5.15% |
| Idaho Falls 30 Year VA Refi | 2022-05-19 | 4.79% |
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 lendor, 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.).
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.
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 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 | 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 third place, with 6.3%, is QUICKEN LOANS, LLC, having originated $155,390,000 in loans. In third place, with 3.4%, is Flagstar Bank, FSB, having originated $83,615,000 in loans.
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.
Market Conditions (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 (29.0%) | $329,261 (28.9%) | 0.00 | 347 |
| 2018-02-01 | $252,250 (32.8%) | $334,447 (27.8%) | 0.00 | 305 |
| 2018-03-01 | $269,000 (38.3%) | $347,477 (32.5%) | 0.00 | 278 |
| 2018-04-01 | $259,450 (15.3%) | $332,408 (11.1%) | 0.00 | 293 |
| 2018-05-01 | $260,000 (13.6%) | $321,319 (4.3%) | 0.00 | 323 |
| 2018-06-01 | $258,990 (12.6%) | $325,797 (6.0%) | 0.00 | 360 |
| 2018-07-01 | $257,450 (5.1%) | $325,728 (2.7%) | 0.00 | 388 |
| 2018-08-01 | $259,950 (8.8%) | $334,683 (8.7%) | 0.00 | 416 |
| 2018-09-01 | $265,000 (12.8%) | $332,003 (7.2%) | 0.00 | 429 |
| 2018-10-01 | $264,900 (15.2%) | $341,838 (11.0%) | 0.00 | 406 |
| 2018-11-01 | $267,450 (17.7%) | $353,850 (12.7%) | 0.00 | 371 |
| 2018-12-01 | $259,900 (10.6%) | $361,192 (10.4%) | 0.00 | 299 |
| 2019-01-01 | $268,950 (10.9%) | $363,632 (10.4%) | 0.00 | 250 |
| 2019-02-01 | $284,950 (13.0%) | $374,740 (12.1%) | 0.00 | 249 |
| 2019-03-01 | $291,329 (8.3%) | $380,493 (9.5%) | 0.00 | 237 |
| 2019-04-01 | $299,450 (15.4%) | $389,981 (17.3%) | 0.00 | 225 |
| 2019-05-01 | $294,950 (13.4%) | $382,933 (19.2%) | 0.00 | 275 |
| 2019-06-01 | $292,000 (12.8%) | $390,379 (19.8%) | 0.00 | 305 |
| 2019-07-01 | $292,450 (13.6%) | $386,809 (18.8%) | 0.00 | 330 |
| 2019-08-01 | $290,714 (11.8%) | $382,134 (14.2%) | 0.00 | 345 |
| 2019-09-01 | $294,000 (10.9%) | $390,259 (17.6%) | 0.00 | 358 |
| 2019-10-01 | $289,450 (9.3%) | $383,370 (12.2%) | 0.00 | 352 |
| 2019-11-01 | $285,000 (6.6%) | $377,655 (6.7%) | 0.00 | 338 |
| 2019-12-01 | $290,950 (12.0%) | $383,691 (6.2%) | 0.00 | 290 |
| 2020-01-01 | $289,900 (7.8%) | $379,197 (4.3%) | 0.00 | 258 |
| 2020-02-01 | $295,000 (3.5%) | $381,310 (1.8%) | 0.00 | 247 |
| 2020-03-01 | $317,450 (9.0%) | $387,880 (1.9%) | 0.00 | 233 |
| 2020-04-01 | $319,500 (6.7%) | $386,338 (-0.9%) | 0.00 | 291 |
| 2020-05-01 | $327,000 (10.9%) | $382,251 (-0.2%) | 0.00 | 295 |
| 2020-06-01 | $345,000 (18.2%) | $412,190 (5.6%) | 0.00 | 266 |
| 2020-07-01 | $337,675 (15.5%) | $408,057 (5.5%) | 0.00 | 234 |
| 2020-08-01 | $350,000 (20.4%) | $413,970 (8.3%) | 0.00 | 207 |
| 2020-09-01 | $374,950 (27.5%) | $436,079 (11.7%) | 0.00 | 181 |
| 2020-10-01 | $380,000 (31.3%) | $445,108 (16.1%) | 0.00 | 151 |
| 2020-11-01 | $367,000 (28.8%) | $442,298 (17.1%) | 0.00 | 124 |
| 2020-12-01 | $380,000 (30.6%) | $421,571 (9.9%) | 0.00 | 105 |
| 2021-01-01 | $380,000 (31.1%) | $411,517 (8.5%) | 0.00 | 95 |
| 2021-02-01 | $380,000 (28.8%) | $411,380 (7.9%) | 0.00 | 91 |
| 2021-03-01 | $372,500 (17.3%) | $451,837 (16.5%) | 0.00 | 91 |
| 2021-04-01 | $395,000 (23.6%) | $499,998 (29.4%) | 0.00 | 96 |
| 2021-05-01 | $425,000 (30.0%) | $520,756 (36.2%) | 0.00 | 102 |
| 2021-06-01 | $429,000 (24.4%) | $556,829 (35.1%) | 0.00 | 144 |
| 2021-07-01 | $422,450 (25.1%) | $531,502 (30.3%) | 0.00 | 181 |
| 2021-08-01 | $440,000 (25.7%) | $532,299 (28.6%) | 0.00 | 225 |
| 2021-09-01 | $459,500 (22.6%) | $540,964 (24.1%) | 0.00 | 250 |
| 2021-10-01 | $465,000 (22.4%) | $545,079 (22.5%) | 0.00 | 228 |
| 2021-11-01 | $457,500 (24.7%) | $544,615 (23.1%) | 0.00 | 164 |
| 2021-12-01 | $459,950 (21.0%) | $552,581 (31.1%) | 0.00 | 143 |
| 2022-01-01 | $489,000 (28.7%) | $604,432 (46.9%) | 0.00 | 110 |
| 2022-02-01 | $525,000 (38.2%) | $653,206 (58.8%) | 0.00 | 107 |
| 2022-03-01 | $480,000 (28.9%) | $584,402 (29.3%) | 0.00 | 119 |
| 2022-04-01 | $520,000 (31.7%) | $596,013 (19.2%) | 0.00 | 172 |
IDAHO FALLS's median listing price for 2022-04-01 was $520,000, a difference of
$125,000
(31.7%) versus the prior year and
$40,000 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 2022-04-01 was $596,013, a difference of $96,015 (19.2%) versus the prior year and $11,611 versus the prior month.
For the 2022-04-01 period, IDAHO FALLS had 172 MLS listings, a difference of 53 listings (45%) versus the prior month and 76 listings (79%) versus the prior year.
IDAHO FALLS's median listing price comes in at 0% of the national average.
IDAHO FALLS's average listing price for 2022-04-01 was $596,013, a difference of $96,015 (19.2%) versus the prior year and $11,611 versus the prior month.
For the 2022-04-01 period, IDAHO FALLS had 172 MLS listings, a difference of 53 listings (45%) versus the prior month and 76 listings (79%) 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 | 2,939 sqft |
| 2018-02-01 | 0 days | 2,941 sqft |
| 2018-03-01 | 0 days | 3,028 sqft |
| 2018-04-01 | 0 days | 2,941 sqft |
| 2018-05-01 | 0 days | 2,910 sqft |
| 2018-06-01 | 0 days | 2,818 sqft |
| 2018-07-01 | 0 days | 2,779 sqft |
| 2018-08-01 | 0 days | 2,792 sqft |
| 2018-09-01 | 0 days | 2,784 sqft |
| 2018-10-01 | 0 days | 2,812 sqft |
| 2018-11-01 | 0 days | 2,962 sqft |
| 2018-12-01 | 0 days | 2,996 sqft |
| 2019-01-01 | 0 days | 2,957 sqft |
| 2019-02-01 | 0 days | 2,970 sqft |
| 2019-03-01 | 0 days | 2,952 sqft |
| 2019-04-01 | 0 days | 2,981 sqft |
| 2019-05-01 | 0 days | 2,913 sqft |
| 2019-06-01 | 0 days | 2,900 sqft |
| 2019-07-01 | 0 days | 2,849 sqft |
| 2019-08-01 | 0 days | 2,799 sqft |
| 2019-09-01 | 0 days | 2,769 sqft |
| 2019-10-01 | 0 days | 2,772 sqft |
| 2019-11-01 | 0 days | 2,692 sqft |
| 2019-12-01 | 0 days | 2,693 sqft |
| 2020-01-01 | 0 days | 2,726 sqft |
| 2020-02-01 | 0 days | 2,726 sqft |
| 2020-03-01 | 0 days | 2,829 sqft |
| 2020-04-01 | 0 days | 2,800 sqft |
| 2020-05-01 | 0 days | 2,858 sqft |
| 2020-06-01 | 0 days | 3,006 sqft |
| 2020-07-01 | 0 days | 2,906 sqft |
| 2020-08-01 | 0 days | 2,850 sqft |
| 2020-09-01 | 0 days | 2,752 sqft |
| 2020-10-01 | 0 days | 2,652 sqft |
| 2020-11-01 | 0 days | 2,500 sqft |
| 2020-12-01 | 0 days | 2,416 sqft |
| 2021-01-01 | 0 days | 2,333 sqft |
| 2021-02-01 | 0 days | 2,168 sqft |
| 2021-03-01 | 0 days | 2,708 sqft |
| 2021-04-01 | 0 days | 2,739 sqft |
| 2021-05-01 | 0 days | 2,800 sqft |
| 2021-06-01 | 0 days | 2,868 sqft |
| 2021-07-01 | 0 days | 2,784 sqft |
| 2021-08-01 | 0 days | 2,770 sqft |
| 2021-09-01 | 0 days | 2,792 sqft |
| 2021-10-01 | 0 days | 2,770 sqft |
| 2021-11-01 | 0 days | 2,809 sqft |
| 2021-12-01 | 0 days | 2,849 sqft |
| 2022-01-01 | 0 days | 2,835 sqft |
| 2022-02-01 | 0 days | 2,998 sqft |
| 2022-03-01 | 0 days | 2,803 sqft |
| 2022-04-01 | 0 days | 2,976 sqft |
IDAHO FALLS's median listing age (time on market) for 2022-04-01 was 0 days.
IDAHO FALLS's median square footage for active listings during the 2022-04-01 period was 2,976 sqft. One year prior, the average listing was 2,739 sqft.
IDAHO FALLS's median square footage for active listings during the 2022-04-01 period was 2,976 sqft. One year prior, the average listing was 2,739 sqft.
