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 6.97% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 6.81% and one month ago for the week of 2023-08-10, the average rate was 6.65%.

Moscow's average rate one year ago was 5.88%.

For refis of the same type during the week of 2023-09-14, the average rate was 7.08%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
Moscow 30 Year Fixed Rate 2023-09-14 6.97%
Moscow 30 Year Fixed Rate Refi 2023-09-14 7.08%
Moscow 15 Year Fixed Rate 2023-09-14 6.41%
Moscow 15 Year Fixed Rate Refi 2023-09-14 6.61%
Moscow 30 Year FHA 2023-09-14 7.09%
Moscow 30 Year FHA Refi 2023-09-14 6.99%
Moscow 30 Year USDA 2023-09-14 6.98%
Moscow 30 Year USDA Refi 2023-09-14 7.08%
Moscow 30 Year VA 2023-09-14 7.01%
Moscow 30 Year VA Refi 2023-09-14 6.71%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
S1L, Inc. 95 5.25% $6,248
HOMEBRIDGE FINANCIAL SERVICES, INC. 40 4.90% $6,473
IDAHO CENTRAL 39 4.93% $6,030
Potlatch No. 1 Financial Credit Union 28 4.67% $5,098
QUICKEN LOANS, LLC 27 4.42% $8,255
Zions Bank 22 4.38% $3,797
UNITED WHOLESALE MORTGAGE, LLC 14 5.06% $5,731
U.S. Bank 9 5.00% $3,952
SUMMIT FUNDING, INC. 9 5.37% $9,347
Platinum Home Mortgage Corporation 7 5.16% $6,672
Wells Fargo Bank 6 4.71% $4,993
Umpqua Bank 6 4.75% $6,506
AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.05% $6,598
Banner Bank 5 5.18% $4,994
Sunflower Bank 4 6.06% $5,978
HOME POINT FINANCIAL CORPORATION 4 3.97% $8,552
First Home Bank 4 4.19% $4,831
CALIBER HOME LOANS, INC. 4 4.48% $4,475
Washington Trust Bank 4 4.31% $6,108
NexBank 4 6.31% $9,000
WASHINGTON STATE EMPLOYEES Credit Union 4 3.47% $3,226
BROKER SOLUTIONS, INC. 3 5.29% $6,456
PENNYMAC LOAN SERVICES, LLC 3 4.04% $10,431
NAVY FEDERAL CREDIT UNION 3 4.29% $2,287
SPOKANE TEACHERS 2 5.25% $6,061
AMERISAVE MORTGAGE CORPORATION 2 4.87% $6,409
JPMorgan Chase Bank 2 5.81% $6,384
Glacier Bank 2 4.50% $5,533
Ixonia Bank 2 5.99% $5,632
GUILD MORTGAGE COMPANY 2 6.00% $7,139
Paramount Residential Mortgage Group, Inc. 2 5.25% $3,075
Morgan Stanley Private Bank 2 5.30% $3,987
PENRITH HOME LOANS LLC 1 4.88% $3,084
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 5.50% $5,063
Bank of America 1 5.38% $8,649
BMO Harris Bank 1 5.00% $9,661
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.88% $3,099
First National Bank Texas 1 4.50% $5,324
Florida Capital Bank 1 4.63% $7,668
FREEDOM MORTGAGE CORPORATION 1 3.25% $4,157
GESA 1 5.13% $5,061
HomeStreet Bank 1 6.50% $13,464
Hometown Lenders, Inc. 1 4.88% $7,020
KeyBank 1 3.88% $7,474
LAKEVIEW LOAN SERVICING, LLC 1 3.99% $1,991
LOANDEPOT.COM, LLC 1 3.99% $11,298
MOUNTAIN AMERICA 1 6.13% $4,840
Mr. Cooper ( Nationstar Mortgage ) 1 5.13% $15,604
NEWREZ LLC 1 3.99% $4,021
NFM, INC. 1 6.63% $9,835
Northpointe Bank 1 5.25% $4,975
ON Q FINANCIAL, INC. 1 5.63% $5,557
Ally Bank 1 4.00% $2,673
PENTAGON FEDERAL CREDIT UNION 1 4.88% $8,539
PHH Mortgage Corporation 1 4.38% $8,690
PNC Bank 1 4.50% $3,812
RBC Bank, (Georgia) 1 5.00% $1,065
Solarity Credit Union 1 5.75% $3,507
Southwest Airlines Federal Credit Union 1 4.75% $7,040
State Department Federal Credit Union 1 5.00% $2,711
Watermark Capital, Inc. 1 4.75% $4,969
Waterstone Mortgage Corporation 1 4.50% $3,810
Willamette Valley Bank 1 4.13% $3,576

Moscow Average Closing Costs & Other Stats

Moscow, ID's 63 lenders originated 868 loans during 2022. The total origination value was $263,860,000, with an average loan value of $303,986.

Moscow's average closing costs are $5,316.

The top Moscow lender as defined by loan originations is S1L, Inc., with 95 loans originated. Their average total fees are $6,248, which is $225 lower than the next largest lender, HOMEBRIDGE FINANCIAL SERVICES, INC..

The lowest fee Moscow lenders (with over 10 loans originated) are Zions Bank ($3,797), Potlatch No. 1 Financial Credit Union ($5,098), UNITED WHOLESALE MORTGAGE, LLC ($5,731), IDAHO CENTRAL ($6,030) and S1L, Inc. ($6,248).

The lowest rate Moscow lenders (with over 10 loans originated) are Zions Bank (4.38%), QUICKEN LOANS, LLC (4.42%), Potlatch No. 1 Financial Credit Union (4.67%), HOMEBRIDGE FINANCIAL SERVICES, INC. (4.90%) and IDAHO CENTRAL (4.93%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
S1L, Inc. $48,465,000 $37,595,000 -22.4% 14.2%
IDAHO CENTRAL $21,875,000 $24,210,000 10.7% 9.2%
Zions Bancorporation, N.A. $27,910,000 $23,350,000 -16.3% 8.8%
HOMEBRIDGE FINANCIAL SERVICES, INC. $37,585,000 $20,010,000 -46.8% 7.6%
Potlatch No. 1 Financial Credit Union $25,545,000 $17,220,000 -32.6% 6.5%
QUICKEN LOANS, LLC $22,510,000 $13,125,000 -41.7% 5.0%
First Interstate Bank $780,000 $12,510,000 1,503.8% 4.7%
NUMERICA CREDIT UNION $460,000 $9,505,000 1,966.3% 3.6%
U.S. Bank $17,025,000 $6,710,000 -60.6% 2.5%
GESA $275,000 $6,630,000 2,310.9% 2.5%
UNITED WHOLESALE MORTGAGE, LLC $5,275,000 $6,555,000 24.3% 2.5%
Washington Trust Bank $10,395,000 $5,860,000 -43.6% 2.2%
Umpqua Bank $5,250,000 $5,705,000 8.7% 2.2%
SUMMIT FUNDING, INC. $6,575,000 $4,810,000 -26.8% 1.8%
Banner Bank $6,385,000 $4,675,000 -26.8% 1.8%
PENNYMAC LOAN SERVICES, LLC $3,535,000 $3,550,000 0.4% 1.3%
Platinum Home Mortgage Corporation $9,740,000 $3,340,000 -65.7% 1.3%
Wells Fargo Bank $13,725,000 $3,185,000 -76.8% 1.2%
NAVY FEDERAL CREDIT UNION $2,675,000 $2,790,000 4.3% 1.1%
WASHINGTON STATE EMPLOYEES Credit Union $2,305,000 $2,775,000 20.4% 1.1%
Columbia State Bank $1,565,000 $2,435,000 55.6% 0.9%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,575,000 $1,920,000 21.9% 0.7%
CALIBER HOME LOANS, INC. $3,230,000 $1,805,000 -44.1% 0.7%
NexBank $1,745,000 n/a 0.7%
JPMorgan Chase Bank $2,955,000 $1,700,000 -42.5% 0.6%
Ixonia Bank $1,655,000 n/a 0.6%
Sunflower Bank $325,000 $1,640,000 404.6% 0.6%
First Home Bank $11,270,000 $1,610,000 -85.7% 0.6%
Glacier Bank $1,675,000 $1,535,000 -8.4% 0.6%
FREEDOM MORTGAGE CORPORATION $5,935,000 $1,435,000 -75.8% 0.5%
Mortgage Research Center, LLC $3,815,000 $1,430,000 -62.5% 0.5%
HOME POINT FINANCIAL CORPORATION $2,370,000 $1,420,000 -40.1% 0.5%
AMERISAVE MORTGAGE CORPORATION $2,310,000 $1,095,000 -52.6% 0.4%
Morgan Stanley Private Bank $1,010,000 n/a 0.4%
Bank of America $955,000 $1,005,000 5.2% 0.4%
BROKER SOLUTIONS, INC. $535,000 $1,005,000 87.9% 0.4%
Paramount Residential Mortgage Group, Inc. $255,000 $900,000 252.9% 0.3%
Sierra Pacific Mortgage Company, Inc. $425,000 $880,000 107.1% 0.3%
LOANDEPOT.COM, LLC $4,955,000 $850,000 -82.8% 0.3%
BMO Harris Bank $845,000 n/a 0.3%
PENTAGON FEDERAL CREDIT UNION $105,000 $760,000 623.8% 0.3%
ON Q FINANCIAL, INC. $540,000 $755,000 39.8% 0.3%
KeyBank $295,000 $730,000 147.5% 0.3%
Flagstar Bank, FSB $885,000 $690,000 -22.0% 0.3%
Florida Capital Bank $675,000 n/a 0.3%
First Savings Bank $665,000 n/a 0.3%
SPOKANE TEACHERS $1,225,000 $665,000 -45.7% 0.3%
NEWREZ LLC $2,660,000 $660,000 -75.2% 0.3%
GUARANTEED RATE, INC. $2,365,000 $655,000 -72.3% 0.2%
Hometown Lenders, Inc. $645,000 n/a 0.2%
FINANCE OF AMERICA REVERSE LLC $165,000 $630,000 281.8% 0.2%
BAY EQUITY LLC $790,000 $590,000 -25.3% 0.2%
USAA Federal Savings Bank $930,000 $585,000 -37.1% 0.2%
Waterstone Mortgage Corporation $570,000 n/a 0.2%
GUILD MORTGAGE COMPANY $215,000 $555,000 158.1% 0.2%
1st Security Bank of Washington $345,000 $490,000 42.0% 0.2%
HomeStreet Bank $1,540,000 $485,000 -68.5% 0.2%
PENRITH HOME LOANS LLC $485,000 n/a 0.2%
Mid-Continent Funding, Inc. $475,000 n/a 0.2%
North American Savings Bank, F.S.B. $720,000 $455,000 -36.8% 0.2%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $435,000 n/a 0.2%
Boeing Employees Credit Union $225,000 $435,000 93.3% 0.2%
GEORGIA'S OWN $405,000 n/a 0.2%
STEARNS LENDING, LLC $1,845,000 $390,000 -78.9% 0.1%
Willamette Valley Bank $1,500,000 $385,000 -74.3% 0.1%
CLEARPATH LENDING $365,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $920,000 $360,000 -60.9% 0.1%
BETTER MORTGAGE CORPORATION $6,210,000 $325,000 -94.8% 0.1%
NFM, INC. $325,000 n/a 0.1%
Low VA Rates, LLC $185,000 $315,000 70.3% 0.1%
Southwest Airlines Federal Credit Union $315,000 n/a 0.1%
PNC Bank $555,000 $310,000 -44.1% 0.1%
AMERICAN FINANCING CORPORATION $1,180,000 $305,000 -74.2% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $1,025,000 $305,000 -70.2% 0.1%
Northpointe Bank $305,000 n/a 0.1%
First National Bank Texas $295,000 n/a 0.1%
MOUNTAIN AMERICA $290,000 n/a 0.1%
QUORUM FEDERAL CREDIT UNION $65,000 $290,000 346.2% 0.1%
OPEN MORTGAGE, LLC $285,000 n/a 0.1%
Solarity Credit Union $275,000 n/a 0.1%
Mr. Cooper ( Nationstar Mortgage ) $2,770,000 $265,000 -90.4% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,760,000 $255,000 -85.5% 0.1%
STANFORD Federal Credit Union $255,000 n/a 0.1%
Ally Bank $255,000 $235,000 -7.8% 0.1%
CANOPY $235,000 n/a 0.1%
PHH Mortgage Corporation $290,000 $225,000 -22.4% 0.1%
Gateway First Bank $955,000 $215,000 -77.5% 0.1%
Watermark Capital, Inc. $330,000 $215,000 -34.8% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $795,000 $175,000 -78.0% 0.1%
AMERICAN ADVISORS GROUP $240,000 $165,000 -31.3% 0.1%
Arvest Bank $155,000 n/a 0.1%
RBC Bank, (Georgia) $155,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $715,000 $135,000 -81.1% 0.1%
State Department Federal Credit Union $85,000 n/a 0.0%
PIONEER $65,000 n/a 0.0%
WESTMARK Credit Union $35,000 n/a 0.0%
Bethpage Federal Credit Union $25,000 n/a 0.0%

Moscow's top lender by overall market share is S1L, Inc., with 14.2% market share. In second place, with 9.2%, is IDAHO CENTRAL, having originated $24,210,000 in loans. In third place, with 8.8%, is Zions Bancorporation, N.A., having originated $23,350,000 in loans. In fourth place, with 7.6%, is HOMEBRIDGE FINANCIAL SERVICES, INC., having originated $20,010,000 in loans. In fifth place, with 6.5%, is Potlatch No. 1 Financial Credit Union, having originated $17,220,000 in loans.

Moscow, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 403 $160,385,000 $397,978
Cash Out Refi 178 $45,970,000 $258,258
Refi 104 $33,060,000 $317,885
Home Improvement 100 $12,800,000 $128,000
Other 83 $11,645,000 $140,301

Moscow's most frequently cited loan purpose was Home Purchase, with 403 originations. The 2nd most popular reason was Cash Out Refi, with 178 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
4-5% 248 $77,850,000 $313,911
5-6% 198 $77,070,000 $389,242
3-4% 178 $56,570,000 $317,809
6-7% 111 $25,835,000 $232,748
2.5-3% 55 $13,315,000 $242,091
7-8% 43 $6,765,000 $157,326
<2.5% 21 $4,795,000 $228,333
Over 8% 13 $1,455,000 $111,923

During 2022, Moscow's most frequently originated rate bucket was 4-5%, with 248 originations.

Loan Sizing (Moscow, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 385 $112,935,000 $293,338
$100k-200k 156 $23,530,000 $150,833
$100,000 or less 151 $8,645,000 $57,252
$400k-600k 122 $57,250,000 $469,262
$600k-1000k 41 $27,705,000 $675,732
$Over $1MM 13 $33,795,000 $2,599,615

Moscow's loan sizing saw the bucket of loans from $200k-400k with 385 originations, totaling $112,935,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 238 $104,910,000 $440,798
80-100% 213 $76,575,000 $359,507
40-60% 162 $50,250,000 $310,185
20-40% 129 $22,725,000 $176,163
Under 20% 120 $6,880,000 $57,333
Over 100% 4 $1,310,000 $327,500

Moscow's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 238 originations, totaling $104,910,000 in origination value.