Moscow Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Moscow averaged 6.06% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 5.96% and one month ago for the week of 2024-09-05, the average rate was 5.99%.

Moscow's average rate one year ago was 7.33%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.42%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Moscow 30 Year Fixed Rate 2024-10-10 6.06%
Moscow 30 Year Fixed Rate Refi 2024-10-10 6.42%
Moscow 15 Year Fixed Rate 2024-10-10 5.31%
Moscow 15 Year Fixed Rate Refi 2024-10-10 5.51%
Moscow 30 Year FHA 2024-10-10 6.2%
Moscow 30 Year FHA Refi 2024-10-10 6.1%
Moscow 30 Year USDA 2024-10-10 5.88%
Moscow 30 Year USDA Refi 2024-10-10 6.08%
Moscow 30 Year VA 2024-10-10 5.95%
Moscow 30 Year VA Refi 2024-10-10 5.85%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Moscow, ID.

Moscow 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 Moscow, 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
UNITED WHOLESALE MORTGAGE, LLC 87 6.62% $7,946
IDAHO CENTRAL 19 6.53% $5,358
CMG MORTGAGE, INC. 18 7.07% $6,887
Zions Bank 14 6.82% $4,612
Potlatch No. 1 Financial Credit Union 11 6.51% $5,359
HOMEBRIDGE FINANCIAL SERVICES, INC. 10 6.21% $7,906
QUICKEN LOANS, LLC 10 6.91% $8,988
U.S. Bank 5 6.73% $5,628
Banner Bank 5 6.60% $7,967
NEWREZ LLC 4 6.69% $5,544
S1L, Inc. 4 6.53% $8,375
GUILD MORTGAGE COMPANY 4 6.97% $5,835
CHURCHILL MORTGAGE CORPORATION 3 5.66% $9,177
USAA Federal Savings Bank 3 7.25% $3,710
Boeing Employees Credit Union 3 5.79% $5,737
MUTUAL OF OMAHA MORTGAGE, INC. 2 7.44% $5,223
BAY EQUITY LLC 2 7.44% $6,046
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.06% $3,933
MOVEMENT MORTGAGE, LLC 2 7.38% $11,593
PLANET HOME LENDING, LLC 2 7.25% $6,957
The Loan Store, Inc. 2 6.38% $4,283
Wells Fargo Bank 2 7.44% $3,532
GUARANTEED RATE, INC. 1 5.63% $8,718
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.88% $8,567
Hancock Whitney Bank 1 6.38% $4,533
EMBRACE HOME LOANS, INC. 1 5.88% $5,427
DRAPER AND KRAMER MORTGAGE CORP. 1 6.99% $4,003
Ixonia Bank 1 6.99% $7,849
LADERA LENDING, INC. 1 6.13% $10,583
LAND HOME FINANCIAL SERVICES, INC. 1 7.50% $7,621
LOANDEPOT.COM, LLC 1 7.99% $5,461
AXIA FINANCIAL, LLC 1 7.25% $2,990
ACADEMY MORTGAGE CORPORATION 1 6.75% $7,654
NATIONS DIRECT MORTGAGE, LLC 1 6.50% $5,174
NAVY FEDERAL CREDIT UNION 1 5.88% $4,813
D. L. Evans Bank 1 7.24% $4,504
Plains Commerce Bank 1 6.63% $6,725
AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.63% $5,241
Platinum Home Mortgage Corporation 1 6.38% $7,026
PNC Bank 1 6.25% $3,411
Century Mortgage Company DBA Century Lending Company 1 7.63% $3,260
CAPITAL EDUCATORS FEDERAL CREDIT UNION 1 6.50% $6,702
RBC Bank, (Georgia) 1 6.13% $1,985
CALIBER HOME LOANS, INC. 1 6.50% $3,539
SUMMIT FUNDING, INC. 1 7.25% $6,637
Sunflower Bank 1 6.49% $3,810
Alaska USA Federal Credit Union 1 6.75% $7,427
Umpqua Bank 1 6.25% $5,499
Bank of Idaho 1 6.75% $7,398
Farmers Bank & Trust 1 5.88% $3,562
Fidelity Bank 1 6.38% $3,165
Flagstar Bank, FSB 1 7.13% $5,082
GESA 1 6.75% $7,258

Moscow Average Closing Costs & Other Stats

Moscow, ID's 53 lenders originated 566 loans during 2023. The total origination value was $160,670,000, with an average loan value of $283,869.

Moscow's average closing costs are $5,535.

The top Moscow lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 87 loans originated. Their average total fees are $7,946, which is $2,588 higher than the next largest lender, IDAHO CENTRAL.

The lowest fee Moscow lenders (with over 10 loans originated) are Zions Bank ($4,612), IDAHO CENTRAL ($5,358), Potlatch No. 1 Financial Credit Union ($5,359), CMG MORTGAGE, INC. ($6,887) and HOMEBRIDGE FINANCIAL SERVICES, INC. ($7,906).

The lowest rate Moscow lenders (with over 10 loans originated) are HOMEBRIDGE FINANCIAL SERVICES, INC. (6.21%), Potlatch No. 1 Financial Credit Union (6.51%), IDAHO CENTRAL (6.53%), UNITED WHOLESALE MORTGAGE, LLC (6.62%) and Zions Bank (6.82%).

Moscow, 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
UNITED WHOLESALE MORTGAGE, LLC $6,555,000 $40,500,000 517.8% 25.2%
Zions Bank $23,350,000 $18,420,000 -21.1% 11.5%
CMG MORTGAGE, INC. $11,385,000 n/a 7.1%
IDAHO CENTRAL $24,210,000 $11,105,000 -54.1% 6.9%
Potlatch No. 1 Financial Credit Union $17,220,000 $9,090,000 -47.2% 5.7%
Washington Trust Bank $5,860,000 $8,010,000 36.7% 5.0%
U.S. Bank $6,710,000 $7,690,000 14.6% 4.8%
QUICKEN LOANS, LLC $13,125,000 $5,465,000 -58.4% 3.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $20,010,000 $4,600,000 -77.0% 2.9%
Banner Bank $4,675,000 $3,270,000 -30.1% 2.0%
Umpqua Bank $5,705,000 $2,035,000 -64.3% 1.3%
NEWREZ LLC $660,000 $1,605,000 143.2% 1.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,920,000 $1,585,000 -17.4% 1.0%
S1L, Inc. $37,595,000 $1,530,000 -95.9% 1.0%
GUARANTEED RATE, INC. $655,000 $1,445,000 120.6% 0.9%
GUILD MORTGAGE COMPANY $555,000 $1,445,000 160.4% 0.9%
USAA Federal Savings Bank $585,000 $1,435,000 145.3% 0.9%
Mortgage Research Center, LLC $1,430,000 $1,310,000 -8.4% 0.8%
NAVY FEDERAL CREDIT UNION $2,790,000 $1,240,000 -55.6% 0.8%
Boeing Employees Credit Union $435,000 $1,105,000 154.0% 0.7%
LAND HOME FINANCIAL SERVICES, INC. $1,055,000 n/a 0.7%
MOVEMENT MORTGAGE, LLC $1,030,000 n/a 0.6%
PNC Bank $310,000 $955,000 208.1% 0.6%
Wells Fargo Bank $3,185,000 $910,000 -71.4% 0.6%
WASHINGTON STATE EMPLOYEES Credit Union $2,775,000 $770,000 -72.3% 0.5%
NEW DAY FINANCIAL, LLC $750,000 n/a 0.5%
GESA $6,630,000 $740,000 -88.8% 0.5%
CHURCHILL MORTGAGE CORPORATION $135,000 $695,000 414.8% 0.4%
The Loan Store, Inc. $675,000 n/a 0.4%
Fidelity Bank $665,000 n/a 0.4%
ACADEMY MORTGAGE CORPORATION $655,000 n/a 0.4%
BAY EQUITY LLC $590,000 $640,000 8.5% 0.4%
Flagstar Bank, FSB $690,000 $610,000 -11.6% 0.4%
Franklin Loan Corporation $610,000 n/a 0.4%
Plains Commerce Bank $600,000 n/a 0.4%
PLANET HOME LENDING, LLC $600,000 n/a 0.4%
AXIA FINANCIAL, LLC $555,000 n/a 0.3%
PHH Mortgage Corporation $225,000 $550,000 144.4% 0.3%
Ixonia Bank $1,655,000 $520,000 -68.6% 0.3%
RBC Bank, (Georgia) $155,000 $455,000 193.5% 0.3%
AmeriHome Mortgage Company, LLC $435,000 n/a 0.3%
CLEARPATH LENDING $365,000 $435,000 19.2% 0.3%
FREEDOM MORTGAGE CORPORATION $1,435,000 $435,000 -69.7% 0.3%
Platinum Home Mortgage Corporation $3,340,000 $420,000 -87.4% 0.3%
Farmers Bank & Trust $415,000 n/a 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $255,000 $410,000 60.8% 0.3%
EMBRACE HOME LOANS, INC. $395,000 n/a 0.2%
D. L. Evans Bank $370,000 n/a 0.2%
NATIONS DIRECT MORTGAGE, LLC $365,000 n/a 0.2%
CAPITAL EDUCATORS FEDERAL CREDIT UNION $355,000 n/a 0.2%
First Savings Bank $665,000 $355,000 -46.6% 0.2%
Hancock Whitney Bank $355,000 n/a 0.2%
MANN FINANCIAL INC. $335,000 n/a 0.2%
Century Mortgage Company DBA Century Lending Company $325,000 n/a 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $325,000 n/a 0.2%
Alaska USA Federal Credit Union $305,000 n/a 0.2%
ON Q FINANCIAL, INC. $755,000 $305,000 -59.6% 0.2%
Carrington Mortgage Services, LLC $295,000 n/a 0.2%
SUMMIT FUNDING, INC. $4,810,000 $295,000 -93.9% 0.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $290,000 n/a 0.2%
PRIORITY HOME LENDING, LLC $275,000 n/a 0.2%
STANFORD Federal Credit Union $255,000 $245,000 -3.9% 0.2%
Bank of Idaho $235,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $175,000 $225,000 28.6% 0.1%
Firefighters First Federal Credit Union $205,000 n/a 0.1%
Mr. Cooper ( Nationstar Mortgage ) $265,000 $195,000 -26.4% 0.1%
Bank of America $1,005,000 $190,000 -81.1% 0.1%
LADERA LENDING, INC. $175,000 n/a 0.1%
Northpointe Bank $305,000 $165,000 -45.9% 0.1%
CALIBER HOME LOANS, INC. $1,805,000 $155,000 -91.4% 0.1%
Wallick & Volk, Inc. $150,000 n/a 0.1%
Signature Federal Credit Union $145,000 n/a 0.1%
PENNYMAC LOAN SERVICES, LLC $3,550,000 $135,000 -96.2% 0.1%
HomeStreet Bank $485,000 $125,000 -74.2% 0.1%
Sunflower Bank $1,640,000 $125,000 -92.4% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $115,000 n/a 0.1%
LOANDEPOT.COM, LLC $850,000 $115,000 -86.5% 0.1%
GTE Federal Credit Union $105,000 n/a 0.1%
Discover Bank $90,000 n/a 0.1%
Northwest Farm Credit Services, FLCA $75,000 n/a 0.0%
SPOKANE TEACHERS $665,000 $70,000 -89.5% 0.0%
KeyBank $730,000 $55,000 -92.5% 0.0%
21ST MORTGAGE CORPORATION $45,000 n/a 0.0%
Connexus Credit Union $25,000 n/a 0.0%

Moscow's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 25.2% market share. In second place, with 11.5%, is Zions Bank, having originated $18,420,000 in loans. In third place, with 7.1%, is CMG MORTGAGE, INC., having originated $11,385,000 in loans. In fourth place, with 6.9%, is IDAHO CENTRAL, having originated $11,105,000 in loans. In fifth place, with 5.7%, is Potlatch No. 1 Financial Credit Union, having originated $9,090,000 in loans.

Moscow, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 303 $114,135,000 $376,683
Home Improvement 87 $9,305,000 $106,954
Cash Out Refi 72 $16,750,000 $232,639
Other 55 $7,695,000 $139,909
Refi 49 $12,785,000 $260,918

Moscow's most frequently cited loan purpose was Home Purchase, with 303 originations. The 2nd most popular reason was Home Improvement, with 87 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 220 $76,600,000 $348,182
Over 8% 140 $23,130,000 $165,214
7-8% 105 $30,765,000 $293,000
5-6% 86 $28,000,000 $325,581
4-5% 4 $630,000 $157,500

During 2023, Moscow's most frequently originated rate bucket was 6-7%, with 220 originations.

Loan Sizing (Moscow, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 231 $70,565,000 $305,476
$100,000 or less 123 $7,005,000 $56,951
$100k-200k 95 $13,585,000 $143,000
$400k-600k 88 $41,980,000 $477,045
$600k-1000k 20 $14,120,000 $706,000
$Over $1MM 9 $13,415,000 $1,490,556

Moscow's loan sizing saw the bucket of loans from $200k-400k with 231 originations, totaling $70,565,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 158 $61,390,000 $388,544
60-80% 129 $48,465,000 $375,698
Under 20% 107 $6,765,000 $63,224
20-40% 79 $13,055,000 $165,253
40-60% 75 $26,035,000 $347,133
Over 100% 5 $2,845,000 $569,000

Moscow's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 158 originations, totaling $61,390,000 in origination value.