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 6.52% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.95% and one month ago for the week of 2025-05-15, the average rate was 6.72%.

Idaho Falls's average rate one year ago was 6.96%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.14%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Idaho Falls 30 Year Fixed Rate 2025-06-18 6.52%
Idaho Falls 30 Year Fixed Rate Refi 2025-06-18 7.14%
Idaho Falls 15 Year Fixed Rate 2025-06-18 5.96%
Idaho Falls 15 Year Fixed Rate Refi 2025-06-18 6.36%
Idaho Falls 30 Year FHA 2025-06-18 -0.19%
Idaho Falls 30 Year FHA Refi 2025-06-18 -0.2%
Idaho Falls 30 Year USDA 2025-06-18 0.1%
Idaho Falls 30 Year USDA Refi 2025-06-18 0.1%
Idaho Falls 30 Year VA 2025-06-18 -0.41%
Idaho Falls 30 Year VA Refi 2025-06-18 0.1%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 164 6.63% $8,077
IDAHO CENTRAL 150 6.51% $6,927
Eagle Bank and Trust Company 140 6.56% $6,999
UNITED WHOLESALE MORTGAGE, LLC 75 6.63% $9,414
CANOPY MORTGAGE, LLC 73 6.55% $9,414
FIRST COLONY MORTGAGE CORPORATION 45 6.59% $8,543
VERITAS FUNDING, LLC 43 6.77% $8,995
S1L, Inc. 37 6.70% $7,423
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 34 6.70% $9,740
BELEM SERVICING LLC 33 6.50% $8,632
WESTMARK Credit Union 25 6.31% $7,162
Zions Bank 23 6.14% $7,378
BEEHIVE 23 6.47% $6,885
MOUNTAIN AMERICA 23 6.57% $6,200
U.S. Bank 20 6.52% $11,091
Glacier Bank 17 6.60% $7,575
Flagstar Bank, FSB 17 7.24% $8,964
Gateway First Bank 14 6.46% $8,904
INTERCAP LENDING INC. 13 6.77% $11,283
NBKC BANK 11 6.68% $4,515
LOANDEPOT.COM, LLC 11 6.88% $7,623
KeyBank 11 6.72% $6,376
JPMorgan Chase Bank 10 6.29% $8,451
PENNYMAC LOAN SERVICES, LLC 9 6.89% $7,769
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.41% $8,556
Mr. Cooper ( Nationstar Mortgage ) 9 6.80% $11,828
ENVOY MORTGAGE, LTD 9 6.73% $9,004
IDAHO STATE UNIVERSITY 9 7.25% $9,591
NAVY FEDERAL CREDIT UNION 9 6.17% $5,633
The Loan Store, Inc. 9 6.72% $8,127
GUILD MORTGAGE COMPANY 9 6.89% $7,867
Century Mortgage Company DBA Century Lending Company 9 6.79% $8,424
Wells Fargo Bank 8 6.78% $5,721
PREMIER MORTGAGE RESOURCES, L.L.C. 8 6.87% $12,016
NEWREZ LLC 7 7.05% $7,581
PREMIA MORTGAGE, LLC 7 6.47% $7,274
CHURCHILL MORTGAGE CORPORATION 7 6.96% $11,770
AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.87% $8,411
SUMMIT FUNDING, INC. 6 6.52% $10,560
AMERICA FIRST 6 6.25% $7,049
MUTUAL OF OMAHA MORTGAGE, INC. 5 6.65% $7,687
PROVIDENT FUNDING ASSOCIATES, L.P. 5 6.55% $5,787
BROKER SOLUTIONS, INC. 5 6.80% $8,406
CROSSCOUNTRY MORTGAGE, LLC 4 7.12% $5,306
AXIA FINANCIAL, LLC 4 6.88% $5,384
MOVEMENT MORTGAGE, LLC 4 6.46% $7,681
VAN DYK MORTGAGE CORPORATION 3 6.66% $9,153
RANLIFE, INC. 3 6.87% $6,760
NFM, INC. 3 7.91% $7,325
Stifel Bank and Trust 3 5.67% $3,553
First Federal Bank 3 6.21% $8,034
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.75% $8,977
SECURITYNATIONAL MORTGAGE COMPANY 3 6.99% $7,246
Paramount Residential Mortgage Group, Inc. 2 7.18% $3,970
OCMBC, INC. 2 9.06% $16,178
AMERICAN INTERNET MORTGAGE, INC. 2 6.25% $7,298
ZILLOW HOME LOANS, LLC 2 7.00% $7,203
NBH Bank 2 7.06% $3,516
GOLDENWEST 2 6.24% $8,540
Washington Federal Bank 2 6.19% $9,943
GUARANTEED RATE, INC. 2 6.31% $6,799
The Huntington National Bank 2 7.75% $12,279
HOMESIDE FINANCIAL, LLC 2 6.25% $9,965
Boeing Employees Credit Union 2 6.75% $4,855
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.50% $6,686
CMG MORTGAGE, INC. 2 6.56% $6,582
CORNERSTONE HOME LENDING, INC. 2 6.56% $7,634
NATIONS RELIABLE LENDING, LLC 1 6.13% $33,833
21ST MORTGAGE CORPORATION 1 8.61% $6,209
ALLIANT CREDIT UNION 1 6.38% $5,148
AMERICAN FINANCIAL NETWORK, INC. 1 7.50% $4,000
American Mortgage & Equity Consultants, Inc. 1 6.62% $11,512
AMERITRUST MORTGAGE CORPORATION 1 8.25% $10,290
Bank of America 1 7.00% $9,199
Bank of Colorado 1 6.00% $17,221
Bank of Utah 1 6.13% $4,460
BETTER MORTGAGE CORPORATION 1 7.00% $2,722
Carrington Mortgage Services, LLC 1 6.63% $6,676
Citibank 1 5.88% $7,095
DEEPHAVEN MORTGAGE LLC 1 6.99% $16,941
DIRECT MORTGAGE, CORP. 1 8.13% $3,740
D. L. Evans Bank 1 6.88% $4,616
EVERETT FINANCIAL, INC. 1 6.88% $8,596
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.63% $3,378
First National Bank of America 1 10.75% $20,600
FREEDOM MORTGAGE CORPORATION 1 6.38% $11,054
GENEVA FINANCIAL, LLC 1 6.75% $8,488
GESA 1 6.88% $9,838
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.99% $7,524
Goldwater Bank, N.A. 1 6.63% $6,738
JMJ FINANCIAL GROUP 1 6.50% $13,744
LENDSURE MORTGAGE CORP. 1 7.75% $12,771
LOANPAL, LLC 1 6.88% $8,855
Magnolia Bank 1 6.63% $5,720
MASON MCDUFFIE MORTGAGE CORPORATION 1 6.12% $7,677
M&T Bank 1 6.38% $8,570
Nations Lending Corporation 1 5.99% $8,967
1st Security Bank of Washington 1 6.88% $13,437
NexBank 1 5.99% $10,124
Notre Dame Federal Credit Union Corporation 1 6.38% $4,907
PHH Mortgage Corporation 1 7.38% $5,189
Plains Commerce Bank 1 6.88% $7,363
PLANET HOME LENDING, LLC 1 6.13% $8,203
PNC Bank 1 6.00% $4,983
SAMMAMISH MORTGAGE COMPANY 1 7.25% $4,751
Sierra Pacific Mortgage Company, Inc. 1 6.25% $4,259
T2 FINANCIAL LLC 1 6.99% $10,258
Texana Bank 1 7.38% $5,189
UBS Bank USA 1 6.50% $6,133
UNITED 1 5.88% $4,582

IDAHO FALLS Average Closing Costs & Other Stats

IDAHO FALLS, ID's 110 lenders originated 3,960 loans during 2024. The total origination value was $1,106,540,000, with an average loan value of $279,429.

IDAHO FALLS's average closing costs are $6,760.

The top IDAHO FALLS lender as defined by loan originations is QUICKEN LOANS, LLC, with 164 loans originated. Their average total fees are $8,077, which is $1,150 higher than the next largest lender, IDAHO CENTRAL.

The lowest fee IDAHO FALLS lenders (with over 10 loans originated) are NBKC BANK ($4,515), MOUNTAIN AMERICA ($6,200), KeyBank ($6,376), BEEHIVE ($6,885) and IDAHO CENTRAL ($6,927).

The lowest rate IDAHO FALLS lenders (with over 10 loans originated) are Zions Bank (6.14%), JPMorgan Chase Bank (6.29%), WESTMARK Credit Union (6.31%), Gateway First Bank (6.46%) and BEEHIVE (6.47%).

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
IDAHO CENTRAL $134,460,000 $142,365,000 5.9% 12.9%
QUICKEN LOANS, LLC $40,250,000 $92,730,000 130.4% 8.4%
Eagle Bank and Trust Company $87,945,000 $89,980,000 2.3% 8.1%
UNITED WHOLESALE MORTGAGE, LLC $53,200,000 $61,545,000 15.7% 5.6%
CANOPY MORTGAGE, LLC $43,850,000 $50,020,000 14.1% 4.5%
Zions Bank $22,195,000 $35,520,000 60.0% 3.2%
MOUNTAIN AMERICA $28,535,000 $32,930,000 15.4% 3.0%
FIRST COLONY MORTGAGE CORPORATION $28,370,000 $30,970,000 9.2% 2.8%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $28,800,000 $25,750,000 -10.6% 2.3%
WESTMARK Credit Union $24,365,000 $24,470,000 0.4% 2.2%
M&T Realty Capital Corporation $22,135,000 n/a 2.0%
VERITAS FUNDING, LLC $17,090,000 $21,715,000 27.1% 2.0%
S1L, Inc. $10,070,000 $20,740,000 106.0% 1.9%
BELEM SERVICING LLC $20,760,000 $20,720,000 -0.2% 1.9%
BEEHIVE $26,945,000 $19,830,000 -26.4% 1.8%
Wells Fargo Bank $4,475,000 $18,095,000 304.4% 1.6%
EAST IDAHO Credit Union $17,455,000 $17,545,000 0.5% 1.6%
Glacier Bank $15,010,000 $13,165,000 -12.3% 1.2%
The Bank of Commerce $11,360,000 $12,210,000 7.5% 1.1%
U.S. Bank $16,785,000 $12,005,000 -28.5% 1.1%
Century Mortgage Company DBA Century Lending Company $760,000 $11,710,000 1,440.8% 1.1%
GREYSTONE SERVICING COMPANY LLC $9,845,000 $11,525,000 17.1% 1.0%
PENNYMAC LOAN SERVICES, LLC $6,525,000 $11,420,000 75.0% 1.0%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $10,905,000 n/a 1.0%
Mortgage Research Center, LLC $8,290,000 $10,855,000 30.9% 1.0%
SUMMIT FUNDING, INC. $5,255,000 $10,245,000 95.0% 0.9%
Flagstar Bank, FSB $11,930,000 $10,140,000 -15.0% 0.9%
GUILD MORTGAGE COMPANY $4,790,000 $8,810,000 83.9% 0.8%
LOANDEPOT.COM, LLC $7,085,000 $8,145,000 15.0% 0.7%
Gateway First Bank $9,030,000 $7,540,000 -16.5% 0.7%
PREMIER MORTGAGE RESOURCES, L.L.C. $5,725,000 $7,465,000 30.4% 0.7%
FREEDOM MORTGAGE CORPORATION $2,560,000 $7,225,000 182.2% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $3,675,000 $7,165,000 95.0% 0.6%
JPMorgan Chase Bank $3,765,000 $6,905,000 83.4% 0.6%
D. L. Evans Bank $6,140,000 $6,800,000 10.7% 0.6%
INTERCAP LENDING INC. $6,200,000 $6,610,000 6.6% 0.6%
AMERICAN PACIFIC MORTGAGE CORPORATION $7,610,000 $6,600,000 -13.3% 0.6%
NAVY FEDERAL CREDIT UNION $8,020,000 $6,565,000 -18.1% 0.6%
NEWREZ LLC $1,525,000 $6,245,000 309.5% 0.6%
PREMIA MORTGAGE, LLC $6,160,000 n/a 0.6%
River City Bank $6,005,000 n/a 0.5%
ENVOY MORTGAGE, LTD $1,020,000 $5,685,000 457.4% 0.5%
KeyBank $10,490,000 $5,365,000 -48.9% 0.5%
NBKC BANK $4,235,000 $5,090,000 20.2% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,040,000 $5,065,000 25.4% 0.5%
Bank of Idaho $7,050,000 $4,695,000 -33.4% 0.4%
The Loan Store, Inc. $1,400,000 $4,080,000 191.4% 0.4%
AMERICA FIRST $1,965,000 $4,070,000 107.1% 0.4%
CHURCHILL MORTGAGE CORPORATION $3,480,000 $3,820,000 9.8% 0.3%
CONNECTIONS $1,470,000 $3,755,000 155.4% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $985,000 $3,205,000 225.4% 0.3%
LOANPAL, LLC $535,000 $3,195,000 497.2% 0.3%
LENDINGONE, LLC $680,000 $3,040,000 347.1% 0.3%
IDAHO STATE UNIVERSITY $1,145,000 $2,830,000 147.2% 0.3%
CMG MORTGAGE, INC. $2,405,000 $2,820,000 17.3% 0.3%
AXIA FINANCIAL, LLC $2,080,000 $2,725,000 31.0% 0.2%
Paramount Residential Mortgage Group, Inc. $1,205,000 $2,725,000 126.1% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $3,350,000 $2,665,000 -20.4% 0.2%
Discover Bank $2,855,000 $2,625,000 -8.1% 0.2%
MOVEMENT MORTGAGE, LLC $845,000 $2,595,000 207.1% 0.2%
PLANET HOME LENDING, LLC $710,000 $2,560,000 260.6% 0.2%
BROKER SOLUTIONS, INC. $3,970,000 $2,515,000 -36.6% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,985,000 $2,315,000 16.6% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $920,000 $2,295,000 149.5% 0.2%
GOLDENWEST $1,105,000 $2,260,000 104.5% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $1,890,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $2,220,000 $1,875,000 -15.5% 0.2%
First Federal Bank $1,375,000 $1,805,000 31.3% 0.2%
CAPITAL EDUCATORS FEDERAL CREDIT UNION $980,000 $1,785,000 82.1% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $1,765,000 n/a 0.2%
RANLIFE, INC. $710,000 $1,755,000 147.2% 0.2%
Magnolia Bank $4,695,000 $1,745,000 -62.8% 0.2%
Plains Commerce Bank $225,000 $1,735,000 671.1% 0.2%
The Huntington National Bank $1,850,000 $1,670,000 -9.7% 0.2%
VILLAGE CAPITAL MORTGAGE $1,620,000 $1,655,000 2.2% 0.1%
Figure Lending LLC $530,000 $1,615,000 204.7% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $1,760,000 $1,610,000 -8.5% 0.1%
Franklin Loan Corporation $945,000 $1,325,000 40.2% 0.1%
Barrington Bank & Trust Company, N.A. $1,320,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $255,000 $1,290,000 405.9% 0.1%
Bank of America $1,130,000 $1,250,000 10.6% 0.1%
NFM, INC. $375,000 $1,250,000 233.3% 0.1%
UBS Bank USA $805,000 $1,250,000 55.3% 0.1%
PHH Mortgage Corporation $1,655,000 $1,145,000 -30.8% 0.1%
AMWEST FUNDING CORP. $1,130,000 n/a 0.1%
Boeing Employees Credit Union $1,180,000 $1,110,000 -5.9% 0.1%
OCMBC, INC. $315,000 $1,105,000 250.8% 0.1%
VAN DYK MORTGAGE CORPORATION $2,255,000 $1,075,000 -52.3% 0.1%
The Federal Savings Bank $1,290,000 $1,070,000 -17.1% 0.1%
LAKEVIEW LOAN SERVICING, LLC $620,000 $1,050,000 69.4% 0.1%
DEEPHAVEN MORTGAGE LLC $1,045,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,010,000 $1,030,000 2.0% 0.1%
Texana Bank $990,000 n/a 0.1%
Bank of Utah $18,820,000 $980,000 -94.8% 0.1%
AMERISAVE MORTGAGE CORPORATION $2,300,000 $975,000 -57.6% 0.1%
CORNERSTONE HOME LENDING, INC. $530,000 $955,000 80.2% 0.1%
AMERICAN FINANCING CORPORATION $1,310,000 $950,000 -27.5% 0.1%
Stifel Bank and Trust $365,000 $945,000 158.9% 0.1%
FINANCE OF AMERICA REVERSE LLC $1,315,000 $835,000 -36.5% 0.1%
PLAZA HOME MORTGAGE, INC. $830,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $175,000 $820,000 368.6% 0.1%
A&D Mortgage LLC $810,000 n/a 0.1%
MORTGAGE ACCESS CORP. $175,000 $805,000 360.0% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $785,000 n/a 0.1%
Citibank $115,000 $785,000 582.6% 0.1%
1st Security Bank of Washington $545,000 $765,000 40.4% 0.1%
GEORGIA'S OWN $765,000 n/a 0.1%
Washington Federal Bank $3,085,000 $765,000 -75.2% 0.1%
Banner Bank $755,000 n/a 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $755,000 n/a 0.1%
GUARANTEED RATE, INC. $660,000 $735,000 11.4% 0.1%
SAMMAMISH MORTGAGE COMPANY $385,000 $730,000 89.6% 0.1%
TOP FLITE FINANCIAL, INC. $105,000 $730,000 595.2% 0.1%
Carrington Mortgage Services, LLC $405,000 $700,000 72.8% 0.1%
NATIONS RELIABLE LENDING, LLC $695,000 n/a 0.1%
NBH Bank $690,000 n/a 0.1%
PNC Bank $880,000 $675,000 -23.3% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $365,000 $655,000 79.5% 0.1%
T2 FINANCIAL LLC $645,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $520,000 $640,000 23.1% 0.1%
PENTAGON FEDERAL CREDIT UNION $615,000 n/a 0.1%
DIRECT MORTGAGE, CORP. $610,000 $610,000 0.0% 0.1%
AMERICAN UNITED FAMILY OF CREDIT UN $605,000 n/a 0.1%
JMJ FINANCIAL GROUP $745,000 $605,000 -18.8% 0.1%
First National Bank of America $235,000 $585,000 148.9% 0.1%
First Federal Savings Bank of Twin Falls $770,000 $570,000 -26.0% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $510,000 $570,000 11.8% 0.1%
Sunflower Bank $1,400,000 $530,000 -62.1% 0.0%
Allied First Bank,sb $525,000 n/a 0.0%
American Mortgage & Equity Consultants, Inc. $525,000 n/a 0.0%
BancorpSouth $495,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $495,000 n/a 0.0%
BETTER MORTGAGE CORPORATION $295,000 $490,000 66.1% 0.0%
Bethpage Federal Credit Union $475,000 n/a 0.0%
Lakeview Community Capital, LLC $75,000 $475,000 533.3% 0.0%
ALLIANT CREDIT UNION $465,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $85,000 $455,000 435.3% 0.0%
GESA $435,000 n/a 0.0%
M&T Bank $205,000 $430,000 109.8% 0.0%
MID AMERICA MORTGAGE, INC. $425,000 n/a 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $175,000 $415,000 137.1% 0.0%
Cache Valley Bank $310,000 $405,000 30.6% 0.0%
CASTLE & COOKE MORTGAGE, LLC $1,100,000 $405,000 -63.2% 0.0%
First Savings Bank $505,000 $395,000 -21.8% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $505,000 $385,000 -23.8% 0.0%
MLD MORTGAGE INC. $385,000 n/a 0.0%
NexBank $385,000 n/a 0.0%
USAA Federal Savings Bank $2,420,000 $385,000 -84.1% 0.0%
Waterstone Mortgage Corporation $350,000 $385,000 10.0% 0.0%
Union Savings Bank $375,000 n/a 0.0%
Notre Dame Federal Credit Union Corporation $365,000 n/a 0.0%
Bank of Colorado $355,000 n/a 0.0%
Goldwater Bank, N.A. $345,000 n/a 0.0%
Utah Power $790,000 $335,000 -57.6% 0.0%
CARDINAL FINANCIAL $2,180,000 $325,000 -85.1% 0.0%
Equity Prime Mortgage LLC $670,000 $325,000 -51.5% 0.0%
LENDSURE MORTGAGE CORP. $325,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $75,000 $310,000 313.3% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $285,000 n/a 0.0%
AMERITRUST MORTGAGE CORPORATION $265,000 n/a 0.0%
WRIGHT-PATT CREDIT UNION, INC. $265,000 n/a 0.0%
Commerce Home Mortgage, Inc. $255,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $4,105,000 $255,000 -93.8% 0.0%
EVERETT FINANCIAL, INC. $705,000 $245,000 -65.2% 0.0%
Fifth Third Bank $700,000 $235,000 -66.4% 0.0%
POLARIS HOME FUNDING CORP. $685,000 $235,000 -65.7% 0.0%
21ST MORTGAGE CORPORATION $530,000 $230,000 -56.6% 0.0%
BMO Harris Bank $1,850,000 $215,000 -88.4% 0.0%
GENEVA FINANCIAL, LLC $195,000 n/a 0.0%
UNITED $195,000 n/a 0.0%
Ixonia Bank $320,000 $185,000 -42.2% 0.0%
SPRING EQ, LLC $180,000 n/a 0.0%
ADVANTAGE PLUS $965,000 $175,000 -81.9% 0.0%
CITYWIDE HOME LOANS, LLC $1,200,000 $175,000 -85.4% 0.0%
LIMA ONE CAPITAL, LLC $225,000 $175,000 -22.2% 0.0%
Nations Lending Corporation $165,000 n/a 0.0%
Citadel Servicing Corporation $155,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $770,000 $155,000 -79.9% 0.0%
SWBC MORTGAGE CORPORATION $145,000 n/a 0.0%
HomeTrust Bank $135,000 n/a 0.0%
FIRST TECHNOLOGY $175,000 $105,000 -40.0% 0.0%
HORIZON $95,000 n/a 0.0%
Potlatch No. 1 Financial Credit Union $75,000 n/a 0.0%
UTAH FIRST $75,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $65,000 $65,000 0.0% 0.0%
CHEVRON $45,000 n/a 0.0%
Firefighters First Federal Credit Union $25,000 n/a 0.0%

IDAHO FALLS's top lender by overall market share is IDAHO CENTRAL, with 12.9% market share. In second place, with 8.4%, is QUICKEN LOANS, LLC, having originated $92,730,000 in loans. In third place, with 8.1%, is Eagle Bank and Trust Company, having originated $89,980,000 in loans. In fourth place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $61,545,000 in loans. In fifth place, with 4.5%, is CANOPY MORTGAGE, LLC, having originated $50,020,000 in loans.

IDAHO FALLS, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,092 $761,850,000 $364,173
Home Improvement 601 $59,575,000 $99,126
Cash Out Refi 593 $121,155,000 $204,309
Other 347 $36,665,000 $105,663
Refi 326 $127,040,000 $389,693
NA 1 $255,000 $255,000

Idaho Falls's most frequently cited loan purpose was Home Purchase, with 2,092 originations. The 2nd most popular reason was Home Improvement, with 601 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,599 $519,415,000 $324,837
Over 8% 943 $94,705,000 $100,429
5-6% 649 $236,055,000 $363,721
7-8% 624 $166,370,000 $266,619
4-5% 36 $12,080,000 $335,556
<2.5% 8 $2,240,000 $280,000
3-4% 4 $1,060,000 $265,000
2.5-3% 1 $495,000 $495,000

During 2024, Idaho Falls's most frequently originated rate bucket was 6-7%, with 1,599 originations.

Loan Sizing (IDAHO FALLS, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,602 $480,930,000 $300,206
$100,000 or less 1,022 $51,890,000 $50,773
$100k-200k 605 $87,375,000 $144,421
$400k-600k 556 $262,500,000 $472,122
$600k-1000k 144 $103,820,000 $720,972
$Over $1MM 31 $120,025,000 $3,871,774

IDAHO FALLS's loan sizing saw the bucket of loans from $200k-400k with 1,602 originations, totaling $480,930,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,345 $506,955,000 $376,918
Under 20% 939 $51,165,000 $54,489
60-80% 656 $249,790,000 $380,777
20-40% 511 $73,585,000 $144,002
40-60% 340 $120,550,000 $354,559
Over 100% 46 $21,860,000 $475,217

IDAHO FALLS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,345 originations, totaling $506,955,000 in origination value.