LEWISTON Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Lewiston averaged
6.59%
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
6.62% and
one month ago for the week of 2025-05-15, the
average rate was 6.89%.
Lewiston's average rate one year ago was 7.03%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.31%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Lewiston 30 Year Fixed Rate | 2025-06-18 | 6.59% |
| Lewiston 30 Year Fixed Rate Refi | 2025-06-18 | 7.31% |
| Lewiston 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Lewiston 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Lewiston 30 Year FHA | 2025-06-18 | -0.22% |
| Lewiston 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Lewiston 30 Year USDA | 2025-06-18 | -0.2% |
| Lewiston 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Lewiston 30 Year VA | 2025-06-18 | 0.01% |
| Lewiston 30 Year VA Refi | 2025-06-18 | -0.1% |
LEWISTON 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 LEWISTON, ID-WA 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.).
LEWISTON Average Closing Costs & Other Stats
LEWISTON, ID-WA's 60 lenders originated 1,296
loans during 2024. The total origination value was $294,080,000, with an average loan value of
$226,914.
LEWISTON's average closing costs are $5,968.
The top LEWISTON lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
60 loans originated. Their average total fees are
$8,353, which is $3,320
higher than the next largest lender,
Potlatch No. 1 Financial Credit Union.
The lowest fee LEWISTON lenders (with over 10 loans originated) are
U.S. Bank ($3,825), Potlatch No. 1 Financial Credit Union ($5,034), IDAHO CENTRAL ($5,320), BAY EQUITY LLC ($5,554) and LAND HOME FINANCIAL SERVICES, INC. ($5,828).
The lowest rate LEWISTON lenders (with over 10 loans originated) are
Potlatch No. 1 Financial Credit Union (6.39%), IDAHO CENTRAL (6.50%), AMERICAN PACIFIC MORTGAGE CORPORATION (6.60%), QUICKEN LOANS, LLC (6.65%) and UNITED WHOLESALE MORTGAGE, LLC (6.74%).
LEWISTON, ID-WA 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 |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $33,655,000 | $48,410,000 | 43.8% | 16.5% |
| Potlatch No. 1 Financial Credit Union | $34,380,000 | $36,010,000 | 4.7% | 12.2% |
| IDAHO CENTRAL | $11,785,000 | $17,845,000 | 51.4% | 6.1% |
| QUICKEN LOANS, LLC | $12,920,000 | $17,640,000 | 36.5% | 6.0% |
| BAY EQUITY LLC | $13,740,000 | $16,890,000 | 22.9% | 5.7% |
| Mortgage Research Center, LLC | $4,390,000 | $9,955,000 | 126.8% | 3.4% |
| MOVEMENT MORTGAGE, LLC | $7,495,000 | $9,575,000 | 27.8% | 3.3% |
| NEWREZ LLC | $10,020,000 | $9,415,000 | -6.0% | 3.2% |
| U.S. Bank | $7,435,000 | $8,375,000 | 12.6% | 2.8% |
| FREEDOM MORTGAGE CORPORATION | $2,405,000 | $7,290,000 | 203.1% | 2.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $9,735,000 | $7,175,000 | -26.3% | 2.4% |
| LAND HOME FINANCIAL SERVICES, INC. | $3,915,000 | $5,400,000 | 37.9% | 1.8% |
| S1L, Inc. | $1,050,000 | $5,125,000 | 388.1% | 1.7% |
| Umpqua Bank | $3,980,000 | $4,730,000 | 18.8% | 1.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $470,000 | $3,795,000 | 707.4% | 1.3% |
| CMG MORTGAGE, INC. | $2,035,000 | $3,310,000 | 62.7% | 1.1% |
| American Mortgage & Equity Consultants, Inc. | $2,900,000 | $3,035,000 | 4.7% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,185,000 | $2,600,000 | 19.0% | 0.9% |
| LOANDEPOT.COM, LLC | $2,145,000 | $2,435,000 | 13.5% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $2,020,000 | $2,365,000 | 17.1% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $2,140,000 | $2,360,000 | 10.3% | 0.8% |
| Banner Bank | $4,380,000 | $2,290,000 | -47.7% | 0.8% |
| The Loan Store, Inc. | $720,000 | $2,245,000 | 211.8% | 0.8% |
| Zions Bank | $7,685,000 | $1,615,000 | -79.0% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $955,000 | $1,565,000 | 63.9% | 0.5% |
| BROKER SOLUTIONS, INC. | $875,000 | $1,535,000 | 75.4% | 0.5% |
| Wells Fargo Bank | $2,070,000 | $1,465,000 | -29.2% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,055,000 | $1,340,000 | 27.0% | 0.5% |
| GUILD MORTGAGE COMPANY | $1,345,000 | $1,340,000 | -0.4% | 0.5% |
| Washington Trust Bank | $1,820,000 | $1,290,000 | -29.1% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $455,000 | $1,285,000 | 182.4% | 0.4% |
| GUARANTEED RATE, INC. | $1,230,000 | n/a | 0.4% | |
| Century Mortgage Company DBA Century Lending Company | $265,000 | $1,220,000 | 360.4% | 0.4% |
| USAA Federal Savings Bank | $305,000 | $1,220,000 | 300.0% | 0.4% |
| SPOKANE TEACHERS | $405,000 | $1,150,000 | 184.0% | 0.4% |
| Figure Lending LLC | $145,000 | $1,115,000 | 669.0% | 0.4% |
| Sunflower Bank | $1,995,000 | $1,055,000 | -47.1% | 0.4% |
| Sierra Pacific Mortgage Company, Inc. | $710,000 | $1,045,000 | 47.2% | 0.4% |
| JPMorgan Chase Bank | $1,615,000 | $1,030,000 | -36.2% | 0.4% |
| PNC Bank | $95,000 | $985,000 | 936.8% | 0.3% |
| Flagstar Bank, FSB | $900,000 | $950,000 | 5.6% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,220,000 | $945,000 | -22.5% | 0.3% |
| AMERICAN FINANCING CORPORATION | $920,000 | n/a | 0.3% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $175,000 | $840,000 | 380.0% | 0.3% |
| Equity Prime Mortgage LLC | $825,000 | n/a | 0.3% | |
| NEW DAY FINANCIAL, LLC | $295,000 | $800,000 | 171.2% | 0.3% |
| Boeing Employees Credit Union | $755,000 | $765,000 | 1.3% | 0.3% |
| HomeStreet Bank | $750,000 | n/a | 0.3% | |
| WASHINGTON STATE EMPLOYEES Credit Union | $1,280,000 | $735,000 | -42.6% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,235,000 | $730,000 | -40.9% | 0.2% |
| Stifel Bank and Trust | $705,000 | n/a | 0.2% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $255,000 | $685,000 | 168.6% | 0.2% |
| PLANET HOME LENDING, LLC | $600,000 | n/a | 0.2% | |
| CLEARPATH LENDING | $740,000 | $590,000 | -20.3% | 0.2% |
| BMO Harris Bank | $580,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $270,000 | $580,000 | 114.8% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $155,000 | $575,000 | 271.0% | 0.2% |
| The Federal Savings Bank | $775,000 | $520,000 | -32.9% | 0.2% |
| Baxter Credit Union | $505,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $1,040,000 | $460,000 | -55.8% | 0.2% |
| DAS Acquisition Company, LLC | $460,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $2,015,000 | $455,000 | -77.4% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $415,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $865,000 | $415,000 | -52.0% | 0.1% |
| NEXERA HOLDING LLC | $410,000 | n/a | 0.1% | |
| GESA | $405,000 | n/a | 0.1% | |
| RANLIFE, INC. | $400,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $390,000 | n/a | 0.1% | |
| Glacier Bank | $105,000 | $365,000 | 247.6% | 0.1% |
| KeyBank | $365,000 | n/a | 0.1% | |
| ONY GLO, INC. | $365,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $355,000 | n/a | 0.1% | |
| M&T Bank | $175,000 | $355,000 | 102.9% | 0.1% |
| Northwest Farm Credit Services, FLCA | $225,000 | $355,000 | 57.8% | 0.1% |
| DIRECTORS MORTGAGE, INC. | $345,000 | n/a | 0.1% | |
| MORTGAGEONE, INC. | $345,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $490,000 | $345,000 | -29.6% | 0.1% |
| Washington Federal Bank | $125,000 | $345,000 | 176.0% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $330,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $325,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $670,000 | $325,000 | -51.5% | 0.1% |
| THRIVENT Federal Credit Union | $315,000 | n/a | 0.1% | |
| Alaska USA Federal Credit Union | $305,000 | n/a | 0.1% | |
| Magnolia Bank | $305,000 | n/a | 0.1% | |
| SAMMAMISH MORTGAGE COMPANY | $305,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $305,000 | n/a | 0.1% | |
| Nations Lending Corporation | $285,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $265,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $35,000 | $245,000 | 600.0% | 0.1% |
| SOUND | $75,000 | $245,000 | 226.7% | 0.1% |
| Summit Mortgage Corporation | $245,000 | n/a | 0.1% | |
| Discover Bank | $320,000 | $240,000 | -25.0% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,305,000 | $240,000 | -81.6% | 0.1% |
| AMERICA FIRST | $65,000 | $225,000 | 246.2% | 0.1% |
| CARDINAL FINANCIAL | $175,000 | $195,000 | 11.4% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $195,000 | n/a | 0.1% | |
| Willamette Valley Bank | $195,000 | n/a | 0.1% | |
| MOUNTAIN AMERICA | $25,000 | $180,000 | 620.0% | 0.1% |
| NUMERICA CREDIT UNION | $800,000 | $170,000 | -78.8% | 0.1% |
| Secured Investment Corp. | $165,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $150,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $135,000 | n/a | 0.0% | |
| Service Federal Credit Union | $105,000 | n/a | 0.0% | |
| VERITY | $105,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $415,000 | $100,000 | -75.9% | 0.0% |
| Centier Bank | $85,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $85,000 | n/a | 0.0% | |
| Bank of America | $80,000 | $80,000 | 0.0% | 0.0% |
| WESTMARK Credit Union | $245,000 | $75,000 | -69.4% | 0.0% |
| GTE Federal Credit Union | $105,000 | $55,000 | -47.6% | 0.0% |
| Morgan Stanley Private Bank | $2,045,000 | $45,000 | -97.8% | 0.0% |
| Qualstar Credit Union | $15,000 | n/a | 0.0% |
LEWISTON's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 16.5% market share. In second place, with 12.2%, is Potlatch No. 1 Financial Credit Union, having originated $36,010,000 in loans. In third place, with 6.1%, is IDAHO CENTRAL, having originated $17,845,000 in loans. In fourth place, with 6.0%, is QUICKEN LOANS, LLC, having originated $17,640,000 in loans. In fifth place, with 5.7%, is BAY EQUITY LLC, having originated $16,890,000 in loans.
LEWISTON, ID-WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 604 | $181,920,000 | $301,192 |
| Cash Out Refi | 225 | $43,525,000 | $193,444 |
| Other | 188 | $16,800,000 | $89,362 |
| Refi | 159 | $41,025,000 | $258,019 |
| Home Improvement | 119 | $10,755,000 | $90,378 |
| NA | 1 | $55,000 | $55,000 |
Lewiston's most frequently cited loan purpose was Home Purchase, with 604 originations. The 2nd most popular reason was Cash Out Refi, with 225 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 463 | $137,345,000 | $296,641 |
| Over 8% | 320 | $28,340,000 | $88,563 |
| 7-8% | 212 | $47,440,000 | $223,774 |
| 5-6% | 189 | $59,065,000 | $312,513 |
| 4-5% | 15 | $4,695,000 | $313,000 |
| <2.5% | 10 | $590,000 | $59,000 |
| 2.5-3% | 3 | $805,000 | $268,333 |
| 3-4% | 1 | $195,000 | $195,000 |
During 2024, Lewiston's most frequently originated rate bucket was 6-7%, with 463 originations.
Loan Sizing (LEWISTON, ID-WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 562 | $163,480,000 | $290,890 |
| $100,000 or less | 339 | $18,345,000 | $54,115 |
| $100k-200k | 247 | $36,835,000 | $149,130 |
| $400k-600k | 128 | $59,800,000 | $467,188 |
| $600k-1000k | 18 | $13,280,000 | $737,778 |
| $Over $1MM | 2 | $2,340,000 | $1,170,000 |
LEWISTON's loan sizing saw the bucket of loans from $200k-400k with 562 originations, totaling $163,480,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 419 | $139,865,000 | $333,807 |
| Under 20% | 233 | $11,515,000 | $49,421 |
| 60-80% | 197 | $60,885,000 | $309,061 |
| 20-40% | 183 | $21,545,000 | $117,732 |
| 40-60% | 131 | $27,095,000 | $206,832 |
| Over 100% | 21 | $7,745,000 | $368,810 |
LEWISTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 419 originations, totaling $139,865,000 in origination value.