Moscow Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Moscow averaged
6.74%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
7.04% and
one month ago for the week of 2025-05-29, the
average rate was 6.96%.
Moscow's average rate one year ago was 7.13%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Moscow 30 Year Fixed Rate | 2025-07-03 | 6.74% |
| Moscow 30 Year Fixed Rate Refi | 2025-07-03 | 6.87% |
| Moscow 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| Moscow 15 Year Fixed Rate Refi | 2025-07-03 | 5.9% |
| Moscow 30 Year FHA | 2025-07-03 | -0.2% |
| Moscow 30 Year FHA Refi | 2025-07-03 | 0.1% |
| Moscow 30 Year USDA | 2025-07-03 | 0.2% |
| Moscow 30 Year USDA Refi | 2025-07-03 | -0.2% |
| Moscow 30 Year VA | 2025-07-03 | 0% |
| Moscow 30 Year VA Refi | 2025-07-03 | -0.1% |
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.).
Moscow Average Closing Costs & Other Stats
Moscow, ID's 42 lenders originated 617
loans during 2024. The total origination value was $195,845,000, with an average loan value of
$317,415.
Moscow's average closing costs are $5,742.
The top Moscow lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
63 loans originated. Their average total fees are
$8,586, which is $2,716
higher than the next largest lender,
CMG MORTGAGE, INC..
The lowest fee Moscow lenders (with over 10 loans originated) are
IDAHO CENTRAL ($4,912), CMG MORTGAGE, INC. ($5,870), Potlatch No. 1 Financial Credit Union ($6,775), Zions Bank ($7,175) and UNITED WHOLESALE MORTGAGE, LLC ($8,586).
The lowest rate Moscow lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.52%), Zions Bank (6.55%), QUICKEN LOANS, LLC (6.55%), Potlatch No. 1 Financial Credit Union (6.57%) and IDAHO CENTRAL (6.73%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $40,500,000 | $36,305,000 | -10.4% | 18.5% |
| CMG MORTGAGE, INC. | $11,385,000 | $26,400,000 | 131.9% | 13.5% |
| IDAHO CENTRAL | $11,105,000 | $15,320,000 | 38.0% | 7.8% |
| Potlatch No. 1 Financial Credit Union | $9,090,000 | $13,550,000 | 49.1% | 6.9% |
| Zions Bank | $18,420,000 | $11,350,000 | -38.4% | 5.8% |
| Ent Credit Union | $9,005,000 | n/a | 4.6% | |
| Umpqua Bank | $2,035,000 | $8,525,000 | 318.9% | 4.4% |
| U.S. Bank | $7,690,000 | $6,865,000 | -10.7% | 3.5% |
| QUICKEN LOANS, LLC | $5,465,000 | $6,800,000 | 24.4% | 3.5% |
| Washington Trust Bank | $8,010,000 | $6,625,000 | -17.3% | 3.4% |
| Mortgage Research Center, LLC | $1,310,000 | $3,020,000 | 130.5% | 1.5% |
| WASHINGTON STATE EMPLOYEES Credit Union | $770,000 | $2,985,000 | 287.7% | 1.5% |
| Banner Bank | $3,270,000 | $2,870,000 | -12.2% | 1.5% |
| NAVY FEDERAL CREDIT UNION | $1,240,000 | $2,760,000 | 122.6% | 1.4% |
| GUILD MORTGAGE COMPANY | $1,445,000 | $2,620,000 | 81.3% | 1.3% |
| Morgan Stanley Private Bank | $2,480,000 | n/a | 1.3% | |
| Century Mortgage Company DBA Century Lending Company | $325,000 | $2,080,000 | 540.0% | 1.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,585,000 | $1,955,000 | 23.3% | 1.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $410,000 | $1,875,000 | 357.3% | 1.0% |
| NEWREZ LLC | $1,605,000 | $1,760,000 | 9.7% | 0.9% |
| The Federal Savings Bank | $1,315,000 | n/a | 0.7% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,305,000 | n/a | 0.7% | |
| The Loan Store, Inc. | $675,000 | $1,270,000 | 88.1% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $195,000 | $1,150,000 | 489.7% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $135,000 | $1,005,000 | 644.4% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $435,000 | $975,000 | 124.1% | 0.5% |
| PLANET HOME LENDING, LLC | $600,000 | $965,000 | 60.8% | 0.5% |
| NUMERICA CREDIT UNION | $885,000 | n/a | 0.5% | |
| Plains Commerce Bank | $600,000 | $830,000 | 38.3% | 0.4% |
| The Huntington National Bank | $795,000 | n/a | 0.4% | |
| Wells Fargo Bank | $910,000 | $795,000 | -12.6% | 0.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $725,000 | n/a | 0.4% | |
| LOANDEPOT.COM, LLC | $115,000 | $690,000 | 500.0% | 0.4% |
| Bank of Eastern Oregon | $665,000 | n/a | 0.3% | |
| Armed Forces Bank | $645,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $590,000 | n/a | 0.3% | |
| CANOPY MORTGAGE, LLC | $585,000 | n/a | 0.3% | |
| MOVEMENT MORTGAGE, LLC | $1,030,000 | $510,000 | -50.5% | 0.3% |
| Boeing Employees Credit Union | $1,105,000 | $495,000 | -55.2% | 0.3% |
| Willamette Valley Bank | $485,000 | n/a | 0.2% | |
| CLEARPATH LENDING | $435,000 | $475,000 | 9.2% | 0.2% |
| Northpointe Bank | $165,000 | $475,000 | 187.9% | 0.2% |
| Victorian Finance, LLC | $475,000 | n/a | 0.2% | |
| Sierra Pacific Mortgage Company, Inc. | $455,000 | n/a | 0.2% | |
| LADERA LENDING, INC. | $175,000 | $445,000 | 154.3% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $425,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $400,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $375,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $695,000 | $365,000 | -47.5% | 0.2% |
| Franklin Loan Corporation | $610,000 | $345,000 | -43.4% | 0.2% |
| AXIA FINANCIAL, LLC | $555,000 | $340,000 | -38.7% | 0.2% |
| Brighton Bank | $335,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $325,000 | n/a | 0.2% | |
| SPOKANE TEACHERS | $70,000 | $310,000 | 342.9% | 0.2% |
| Carrington Mortgage Services, LLC | $295,000 | $295,000 | 0.0% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $295,000 | n/a | 0.2% | |
| HOMEXPRESS MORTGAGE CORP. | $285,000 | n/a | 0.1% | |
| LOANPAL, LLC | $275,000 | n/a | 0.1% | |
| KeyBank | $55,000 | $255,000 | 363.6% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $225,000 | $255,000 | 13.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $245,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $640,000 | $245,000 | -61.7% | 0.1% |
| Discover Bank | $90,000 | $245,000 | 172.2% | 0.1% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $245,000 | n/a | 0.1% | |
| NexBank | $245,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $1,445,000 | $235,000 | -83.7% | 0.1% |
| JMAC LENDING, INC. | $235,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $225,000 | n/a | 0.1% | |
| University Bank | $215,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $205,000 | n/a | 0.1% | |
| CITYWIDE HOME LOANS, LLC | $205,000 | n/a | 0.1% | |
| Community First Bank | $205,000 | n/a | 0.1% | |
| LAND HOME FINANCIAL SERVICES, INC. | $1,055,000 | $205,000 | -80.6% | 0.1% |
| USAA Federal Savings Bank | $1,435,000 | $175,000 | -87.8% | 0.1% |
| HomeStreet Bank | $125,000 | $155,000 | 24.0% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $140,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $135,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $125,000 | n/a | 0.1% | |
| Bank of America | $190,000 | $105,000 | -44.7% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $105,000 | n/a | 0.1% | |
| Figure Lending LLC | $85,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $305,000 | $75,000 | -75.4% | 0.0% |
| Centier Bank | $75,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $115,000 | $65,000 | -43.5% | 0.0% |
| GESA | $740,000 | $65,000 | -91.2% | 0.0% |
| HomeTrust Bank | $55,000 | n/a | 0.0% |
Moscow's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 18.5% market share. In second place, with 13.5%, is CMG MORTGAGE, INC., having originated $26,400,000 in loans. In third place, with 7.8%, is IDAHO CENTRAL, having originated $15,320,000 in loans. In fourth place, with 6.9%, is Potlatch No. 1 Financial Credit Union, having originated $13,550,000 in loans. In fifth place, with 5.8%, is Zions Bank, having originated $11,350,000 in loans.
Moscow, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 319 | $122,025,000 | $382,524 |
| Home Improvement | 78 | $9,150,000 | $117,308 |
| Cash Out Refi | 75 | $28,685,000 | $382,467 |
| Refi | 74 | $27,570,000 | $372,568 |
| Other | 70 | $8,290,000 | $118,429 |
| NA | 1 | $125,000 | $125,000 |
Moscow's most frequently cited loan purpose was Home Purchase, with 319 originations. The 2nd most popular reason was Home Improvement, with 78 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 234 | $95,070,000 | $406,282 |
| Over 8% | 161 | $23,675,000 | $147,050 |
| 7-8% | 123 | $40,945,000 | $332,886 |
| 5-6% | 76 | $28,600,000 | $376,316 |
| 4-5% | 6 | $4,060,000 | $676,667 |
| <2.5% | 3 | $485,000 | $161,667 |
During 2024, Moscow's most frequently originated rate bucket was 6-7%, with 234 originations.
Loan Sizing (Moscow, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 248 | $75,520,000 | $304,516 |
| $100,000 or less | 121 | $6,775,000 | $55,992 |
| $100k-200k | 104 | $15,100,000 | $145,192 |
| $400k-600k | 93 | $44,085,000 | $474,032 |
| $600k-1000k | 39 | $27,695,000 | $710,128 |
| $Over $1MM | 12 | $26,670,000 | $2,222,500 |
Moscow's loan sizing saw the bucket of loans from $200k-400k with 248 originations, totaling $75,520,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 189 | $73,525,000 | $389,021 |
| 60-80% | 137 | $59,625,000 | $435,219 |
| Under 20% | 109 | $6,705,000 | $61,514 |
| 20-40% | 79 | $11,965,000 | $151,456 |
| 40-60% | 75 | $34,365,000 | $458,200 |
| Over 100% | 8 | $3,280,000 | $410,000 |
Moscow's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 189 originations, totaling $73,525,000 in origination value.