Mountain Home Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Mountain Home averaged 7.05% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 6.98% and one month ago for the week of 2023-02-09, the average rate was 6.27%.

    Mountain Home's average rate one year ago was 3.43%.

    For refis of the same type during the week of 2023-03-16, the average rate was 7.2%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Mountain Home 30 Year Fixed Rate 2023-03-16 7.05%
    Mountain Home 30 Year Fixed Rate Refi 2023-03-16 7.2%
    Mountain Home 15 Year Fixed Rate 2023-03-16 6.29%
    Mountain Home 15 Year Fixed Rate Refi 2023-03-16 6.63%
    Mountain Home 30 Year FHA 2023-03-16 6.25%
    Mountain Home 30 Year FHA Refi 2023-03-16 6.34%
    Mountain Home 30 Year USDA 2023-03-16 6.41%
    Mountain Home 30 Year USDA Refi 2023-03-16 6.47%
    Mountain Home 30 Year VA 2023-03-16 6.31%
    Mountain Home 30 Year VA Refi 2023-03-16 5.65%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Mountain Home, ID.

    Mountain Home 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 Mountain Home, 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
    PIONEER 30 4.13% $5,269
    MOVEMENT MORTGAGE, LLC 23 4.74% $5,633
    CALIBER HOME LOANS, INC. 21 5.18% $4,630
    QUICKEN LOANS, LLC 18 4.72% $6,473
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 4.56% $7,082
    IDAHO CENTRAL 14 4.87% $6,918
    UNITED WHOLESALE MORTGAGE, LLC 11 5.24% $7,095
    Flagstar Bank, FSB 9 4.80% $6,904
    PREMIER MORTGAGE RESOURCES, L.L.C. 8 5.72% $7,481
    First Interstate Bank 6 4.19% $5,914
    LOANDEPOT.COM, LLC 6 3.96% $6,138
    U.S. Bank 5 5.23% $5,013
    Waterstone Mortgage Corporation 5 4.90% $6,005
    JPMorgan Chase Bank 5 4.67% $3,493
    Mortgage Research Center, LLC 4 4.19% $2,942
    FREEDOM MORTGAGE CORPORATION 4 5.03% $7,189
    GUILD MORTGAGE COMPANY 4 4.28% $4,827
    S1L, Inc. 4 4.19% $6,795
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 4.91% $9,695
    PACIFIC RESIDENTIAL MORTGAGE, LLC 3 5.04% $6,080
    FINANCE OF AMERICA MORTGAGE LLC 3 5.04% $6,316
    Willamette Valley Bank 3 4.63% $6,911
    AMCAP MORTGAGE, LTD. 3 4.79% $6,600
    BAY EQUITY LLC 2 6.06% $5,337
    AMERICAN FINANCING CORPORATION 2 3.25% $4,691
    AMERISAVE MORTGAGE CORPORATION 2 4.25% $7,123
    BNY Mellon 2 4.00% $19,431
    CHURCHILL MORTGAGE CORPORATION 2 5.69% $7,812
    Colonial Savings, F.A. 2 5.00% $5,782
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 4.63% $10,546
    First Federal Savings Bank of Twin Falls 2 6.94% $4,895
    Northwest Farm Credit Services, FLCA 2 4.55% $13,998
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 4.99% $8,624
    Wells Fargo Bank 2 5.25% $4,607
    First Home Bank 1 3.50% $4,868
    FirstBank 1 3.50% $3,363
    NETWORK CAPITAL FUNDING CORPORATION 1 5.75% $7,723
    North American Savings Bank, F.S.B. 1 4.00% $5,361
    Northpointe Bank 1 5.88% $21,082
    Zions Bancorporation, N.A. 1 3.75% $3,491
    D. L. Evans Bank 1 5.99% $6,385
    CROSSCOUNTRY MORTGAGE, LLC 1 6.88% $9,041
    CMG MORTGAGE, INC. 1 6.88% $7,078
    AMERICA FIRST 1 4.38% $4,611
    Carrington Mortgage Services, LLC 1 7.13% $9,224
    CANOPY MORTGAGE, LLC 1 5.63% $5,121
    BETTER MORTGAGE CORPORATION 1 5.38% $15,191
    SUMMIT FUNDING, INC. 1 6.63% $8,700
    Summit Mortgage Corporation 1 4.88% $10,076
    Umpqua Bank 1 4.13% $5,640
    UNION HOME MORTGAGE CORP. 1 7.25% $7,320
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.63% $14,114
    USAA Federal Savings Bank 1 6.50% $3,153
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.88% $8,048
    VERITAS FUNDING, LLC 1 3.88% $10,486
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.75% $8,050
    HORIZON 1 3.38% $4,823
    FIRST TECHNOLOGY 1 4.75% $3,319
    LOANPAL, LLC 1 6.25% $17,844

    Mountain Home Average Closing Costs & Other Stats

    Mountain Home, ID's 59 lenders originated 1,040 loans during 2022. The total origination value was $271,090,000, with an average loan value of $260,663.

    Mountain Home's average closing costs are $6,228.

    The top Mountain Home lender as defined by loan originations is PIONEER, with 30 loans originated. Their average total fees are $5,269, which is $363 lower than the next largest lender, MOVEMENT MORTGAGE, LLC.

    The lowest fee Mountain Home lenders (with over 10 loans originated) are CALIBER HOME LOANS, INC. ($4,630), PIONEER ($5,269), MOVEMENT MORTGAGE, LLC ($5,633), QUICKEN LOANS, LLC ($6,473) and IDAHO CENTRAL ($6,918).

    The lowest rate Mountain Home lenders (with over 10 loans originated) are PIONEER (4.13%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (4.56%), QUICKEN LOANS, LLC (4.72%), MOVEMENT MORTGAGE, LLC (4.74%) and IDAHO CENTRAL (4.87%).

    Mountain Home, 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
    Mortgage Research Center, LLC $37,515,000 $24,715,000 -34.1% 9.1%
    MOVEMENT MORTGAGE, LLC $42,750,000 $22,085,000 -48.3% 8.1%
    CALIBER HOME LOANS, INC. $36,905,000 $20,620,000 -44.1% 7.6%
    QUICKEN LOANS, LLC $26,645,000 $15,510,000 -41.8% 5.7%
    PREMIER MORTGAGE RESOURCES, L.L.C. $15,295,000 $14,255,000 -6.8% 5.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,890,000 $13,065,000 -27.0% 4.8%
    IDAHO CENTRAL $20,950,000 $12,125,000 -42.1% 4.5%
    UNITED WHOLESALE MORTGAGE, LLC $13,425,000 $11,085,000 -17.4% 4.1%
    PIONEER $6,675,000 $10,075,000 50.9% 3.7%
    First Interstate Bank $4,070,000 $8,080,000 98.5% 3.0%
    BNY Mellon $6,470,000 n/a 2.4%
    Flagstar Bank, FSB $12,565,000 $6,095,000 -51.5% 2.2%
    FREEDOM MORTGAGE CORPORATION $18,930,000 $5,940,000 -68.6% 2.2%
    LOANDEPOT.COM, LLC $8,230,000 $5,865,000 -28.7% 2.2%
    GUILD MORTGAGE COMPANY $8,505,000 $4,590,000 -46.0% 1.7%
    U.S. Bank $2,590,000 $3,505,000 35.3% 1.3%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $5,015,000 $3,300,000 -34.2% 1.2%
    Bank of Utah $3,255,000 n/a 1.2%
    USAA Federal Savings Bank $4,625,000 $3,145,000 -32.0% 1.2%
    MOUNTAIN AMERICA $1,940,000 $2,900,000 49.5% 1.1%
    CROSSCOUNTRY MORTGAGE, LLC $505,000 $2,805,000 455.4% 1.0%
    ACADEMY MORTGAGE CORPORATION $7,795,000 $2,665,000 -65.8% 1.0%
    PENNYMAC LOAN SERVICES, LLC $8,860,000 $2,655,000 -70.0% 1.0%
    S1L, Inc. $3,255,000 $2,495,000 -23.3% 0.9%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $610,000 $2,305,000 277.9% 0.9%
    NAVY FEDERAL CREDIT UNION $4,355,000 $2,295,000 -47.3% 0.8%
    First Federal Savings Bank of Twin Falls $3,310,000 $1,900,000 -42.6% 0.7%
    Willamette Valley Bank $4,275,000 $1,810,000 -57.7% 0.7%
    D. L. Evans Bank $1,940,000 $1,800,000 -7.2% 0.7%
    Waterstone Mortgage Corporation $3,265,000 $1,745,000 -46.6% 0.6%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,755,000 $1,725,000 -1.7% 0.6%
    FINANCE OF AMERICA MORTGAGE LLC $5,615,000 $1,700,000 -69.7% 0.6%
    Wells Fargo Bank $5,395,000 $1,675,000 -69.0% 0.6%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,125,000 $1,565,000 -26.4% 0.6%
    Northwest Farm Credit Services, FLCA $1,450,000 n/a 0.5%
    JPMorgan Chase Bank $1,270,000 $1,390,000 9.4% 0.5%
    GUARANTEED RATE, INC. $2,110,000 $1,355,000 -35.8% 0.5%
    SUMMIT FUNDING, INC. $2,360,000 $1,345,000 -43.0% 0.5%
    Summit Mortgage Corporation $245,000 $1,250,000 410.2% 0.5%
    CMG MORTGAGE, INC. $960,000 $1,230,000 28.1% 0.5%
    AMERISAVE MORTGAGE CORPORATION $3,445,000 $1,205,000 -65.0% 0.4%
    AMERICAN FINANCING CORPORATION $635,000 $1,185,000 86.6% 0.4%
    AMCAP MORTGAGE, LTD. $775,000 $1,155,000 49.0% 0.4%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $730,000 $1,080,000 47.9% 0.4%
    PENTAGON FEDERAL CREDIT UNION $370,000 $980,000 164.9% 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $2,860,000 $955,000 -66.6% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $4,365,000 $945,000 -78.4% 0.3%
    Solarity Credit Union $935,000 n/a 0.3%
    Colonial Savings, F.A. $135,000 $925,000 585.2% 0.3%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,190,000 $840,000 -29.4% 0.3%
    BROKER SOLUTIONS, INC. $1,510,000 $825,000 -45.4% 0.3%
    The Federal Savings Bank $2,020,000 $745,000 -63.1% 0.3%
    AMERICAN ADVISORS GROUP $65,000 $740,000 1,038.5% 0.3%
    CHURCHILL MORTGAGE CORPORATION $295,000 $735,000 149.2% 0.3%
    NEW DAY FINANCIAL, LLC $2,870,000 $695,000 -75.8% 0.3%
    Washington Federal Bank $690,000 n/a 0.3%
    Umpqua Bank $2,355,000 $670,000 -71.5% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $640,000 $645,000 0.8% 0.2%
    Zions Bancorporation, N.A. $595,000 $645,000 8.4% 0.2%
    BAY EQUITY LLC $1,400,000 $640,000 -54.3% 0.2%
    CANOPY MORTGAGE, LLC $640,000 n/a 0.2%
    FINANCE OF AMERICA REVERSE LLC $490,000 $620,000 26.5% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $2,315,000 $610,000 -73.7% 0.2%
    LEADERONE FINANCIAL CORPORATION $2,195,000 $600,000 -72.7% 0.2%
    HOME POINT FINANCIAL CORPORATION $2,545,000 $590,000 -76.8% 0.2%
    Northpointe Bank $585,000 n/a 0.2%
    KeyBank $1,945,000 $540,000 -72.2% 0.2%
    VERITAS FUNDING, LLC $540,000 n/a 0.2%
    Glacier Bank $1,045,000 $500,000 -52.2% 0.2%
    CLEARPATH LENDING $1,290,000 $490,000 -62.0% 0.2%
    Low VA Rates, LLC $480,000 $490,000 2.1% 0.2%
    Bell Bank $425,000 n/a 0.2%
    KELLER MORTGAGE, LLC $135,000 $425,000 214.8% 0.2%
    Gateway First Bank $1,625,000 $405,000 -75.1% 0.1%
    LOANPAL, LLC $865,000 $405,000 -53.2% 0.1%
    BETTER MORTGAGE CORPORATION $1,810,000 $395,000 -78.2% 0.1%
    NBKC BANK $885,000 $395,000 -55.4% 0.1%
    FIRST COLONY MORTGAGE CORPORATION $665,000 $385,000 -42.1% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $65,000 $385,000 492.3% 0.1%
    BNC National Bank $935,000 $375,000 -59.9% 0.1%
    Barrington Bank & Trust Company, N.A. $955,000 $365,000 -61.8% 0.1%
    Carrington Mortgage Services, LLC $865,000 $360,000 -58.4% 0.1%
    Paramount Residential Mortgage Group, Inc. $355,000 n/a 0.1%
    Magnolia Bank $1,200,000 $345,000 -71.3% 0.1%
    VILLAGE CAPITAL MORTGAGE $785,000 $345,000 -56.1% 0.1%
    Bank of the West $945,000 $340,000 -64.0% 0.1%
    AXIA FINANCIAL, LLC $2,320,000 $335,000 -85.6% 0.1%
    Capital Bank $335,000 n/a 0.1%
    Bank of Idaho $490,000 $325,000 -33.7% 0.1%
    NATIONS DIRECT MORTGAGE, LLC $325,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $315,000 n/a 0.1%
    North American Savings Bank, F.S.B. $1,545,000 $315,000 -79.6% 0.1%
    Wyndham Capital Mortgage, Inc. $165,000 $315,000 90.9% 0.1%
    First Savings Bank $225,000 $305,000 35.6% 0.1%
    SIRVA MORTGAGE, INC. $305,000 n/a 0.1%
    AMERICA FIRST $425,000 $285,000 -32.9% 0.1%
    FIRST TECHNOLOGY $145,000 $285,000 96.6% 0.1%
    UNION HOME MORTGAGE CORP. $255,000 n/a 0.1%
    First Home Bank $1,210,000 $245,000 -79.8% 0.1%
    HORIZON $490,000 $235,000 -52.0% 0.1%
    LONGBRIDGE FINANCIAL, LLC $280,000 $235,000 -16.1% 0.1%
    FirstBank $225,000 n/a 0.1%
    HomeStreet Bank $225,000 n/a 0.1%
    Texana Bank $225,000 n/a 0.1%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $450,000 $215,000 -52.2% 0.1%
    ATHAS CAPITAL GROUP, INC. $205,000 n/a 0.1%
    JAMES B. NUTTER & COMPANY $205,000 n/a 0.1%
    M&T Bank $105,000 $185,000 76.2% 0.1%
    RANLIFE, INC. $415,000 $185,000 -55.4% 0.1%
    Washington Trust Bank $180,000 n/a 0.1%
    First Guaranty Mortgage Corporation $645,000 $175,000 -72.9% 0.1%
    HighTechLending Inc $175,000 n/a 0.1%
    LENDSURE MORTGAGE CORP. $175,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $175,000 n/a 0.1%
    NETWORK CAPITAL FUNDING CORPORATION $175,000 n/a 0.1%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $155,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $145,000 n/a 0.1%
    Bank of America $140,000 n/a 0.1%
    Idaho First Bank $125,000 n/a 0.0%
    CAPITAL EDUCATORS FEDERAL CREDIT UNION $1,010,000 $105,000 -89.6% 0.0%
    FARMERS BANK $900,000 $105,000 -88.3% 0.0%
    PNC Bank $125,000 $105,000 -16.0% 0.0%
    Discover Bank $85,000 $85,000 0.0% 0.0%

    Mountain Home's top lender by overall market share is Mortgage Research Center, LLC, with 9.1% market share. In second place, with 8.1%, is MOVEMENT MORTGAGE, LLC, having originated $22,085,000 in loans. In third place, with 7.6%, is CALIBER HOME LOANS, INC., having originated $20,620,000 in loans. In fourth place, with 5.7%, is QUICKEN LOANS, LLC, having originated $15,510,000 in loans. In fifth place, with 5.3%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $14,255,000 in loans.

    Mountain Home Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Mountain Home (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $173,675 (10.8%) $295,212 (57.2%) 0.00 83
    2018-02-01 $173,075 (11.0%) $282,915 (52.6%) 0.00 81
    2018-03-01 $183,900 (9.2%) $299,660 (50.6%) 0.00 78
    2018-04-01 $200,000 (11.2%) $315,229 (50.8%) 0.00 75
    2018-05-01 $208,175 (10.7%) $321,380 (19.5%) 0.00 84
    2018-06-01 $215,000 (13.3%) $313,520 (15.4%) 0.00 103
    2018-07-01 $213,750 (13.1%) $313,450 (16.5%) 0.00 108
    2018-08-01 $212,450 (12.4%) $320,502 (17.3%) 0.00 115
    2018-09-01 $200,000 (14.4%) $309,942 (20.1%) 0.00 114
    2018-10-01 $208,000 (23.6%) $285,449 (13.8%) 0.00 114
    2018-11-01 $204,425 (21.4%) $259,935 (2.9%) 0.00 100
    2018-12-01 $222,620 (27.2%) $258,147 (-2.9%) 0.00 72
    2019-01-01 $220,000 (26.7%) $260,647 (-11.7%) 0.00 59
    2019-02-01 $220,000 (27.1%) $264,142 (-6.6%) 0.00 53
    2019-03-01 $233,140 (26.8%) $269,910 (-9.9%) 0.00 48
    2019-04-01 $229,080 (14.5%) $268,771 (-14.7%) 0.00 50
    2019-05-01 $225,000 (8.1%) $260,273 (-19.0%) 0.00 78
    2019-06-01 $240,000 (11.6%) $281,251 (-10.3%) 0.00 81
    2019-07-01 $239,647 (12.1%) $288,939 (-7.8%) 0.00 89
    2019-08-01 $235,543 (10.9%) $284,205 (-11.3%) 0.00 90
    2019-09-01 $236,356 (18.2%) $281,560 (-9.2%) 0.00 94
    2019-10-01 $237,490 (14.2%) $279,797 (-2.0%) 0.00 95
    2019-11-01 $245,950 (20.3%) $276,980 (6.6%) 0.00 88
    2019-12-01 $249,900 (12.3%) $274,087 (6.2%) 0.00 82
    2020-01-01 $255,805 (16.3%) $296,483 (13.8%) 0.00 74
    2020-02-01 $262,892 (19.5%) $306,619 (16.1%) 0.00 64
    2020-03-01 $271,760 (16.6%) $310,843 (15.2%) 0.00 63
    2020-04-01 $276,270 (20.6%) $331,387 (23.3%) 0.00 69
    2020-05-01 $279,990 (24.4%) $338,546 (30.1%) 0.00 55
    2020-06-01 $279,923 (16.6%) $359,552 (27.8%) 0.00 33
    2020-07-01 $278,898 (16.4%) $343,005 (18.7%) 0.00 28
    2020-08-01 $285,000 (21.0%) $334,617 (17.7%) 0.00 25
    2020-09-01 $266,250 (12.7%) $320,656 (13.9%) 0.00 24
    2020-10-01 $270,000 (13.7%) $318,200 (13.7%) 0.00 19
    2020-11-01 $326,475 (32.7%) $337,147 (21.7%) 0.00 18
    2020-12-01 $325,375 (30.2%) $352,115 (28.5%) 0.00 23
    2021-01-01 $345,000 (34.9%) $359,084 (21.1%) 0.00 21
    2021-02-01 $345,000 (31.2%) $364,068 (18.7%) 0.00 21
    2021-03-01 $393,822 (44.9%) $368,056 (18.4%) 0.00 17
    2021-04-01 $399,900 (44.8%) $390,600 (17.9%) 0.00 16
    2021-05-01 $370,000 (32.2%) $472,934 (39.7%) 0.00 21
    2021-06-01 $388,220 (38.7%) $460,992 (28.2%) 0.00 29
    2021-07-01 $407,990 (46.3%) $437,440 (27.5%) 0.00 63
    2021-08-01 $397,468 (39.5%) $459,689 (37.4%) 0.00 69
    2021-09-01 $368,750 (38.5%) $417,315 (30.1%) 0.00 82
    2021-10-01 $349,995 (29.6%) $414,724 (30.3%) 0.00 84
    2021-11-01 $357,973 (9.7%) $385,586 (14.4%) 0.00 62
    2021-12-01 $345,948 (6.3%) $376,074 (6.8%) 0.00 43
    2022-01-01 $384,900 (11.6%) $408,276 (13.7%) 0.00 25
    2022-02-01 $376,250 (9.1%) $401,312 (10.2%) 0.00 21
    2022-03-01 $410,000 (4.1%) $431,507 (17.2%) 0.00 27
    2022-04-01 $424,900 (6.3%) $424,413 (8.7%) 0.00 34
    2022-05-01 $413,900 (11.9%) $462,084 (-2.3%) 0.00 48
    2022-06-01 $397,500 (2.4%) $479,778 (4.1%) 0.00 54
    2022-07-01 $374,900 (-8.1%) $434,005 (-0.8%) 0.00 69
    2022-08-01 $367,425 (-7.6%) $410,021 (-10.8%) 0.00 85
    2022-09-01 $349,975 (-5.1%) $410,139 (-1.7%) 0.00 82
    2022-10-01 $374,900 (7.1%) $441,804 (6.5%) 0.00 79
    2022-11-01 $364,250 (1.8%) $413,633 (7.3%) 0.00 86
    2022-12-01 $365,000 (5.5%) $438,984 (16.7%) 0.00 74
    2023-01-01 $367,450 (-4.5%) $440,394 (7.9%) 0.00 60
    2023-02-01 $374,450 (-0.5%) $404,121 (0.7%) 0.00 57
    Mountain Home's median listing price for 2023-02-01 was $374,450, a difference of $-1,800 (-0.5%) versus the prior year and $7,000 versus the prior month.

    Mountain Home's median listing price comes in at 0% of the national average.

    Mountain Home's average listing price for 2023-02-01 was $404,121, a difference of $2,809 (0.7%) versus the prior year and $-36,273 versus the prior month.

    For the 2023-02-01 period, Mountain Home had 57 MLS listings, a difference of -3 listings (-5%) versus the prior month and 36 listings (171%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Mountain Home (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,767 sqft
    2018-02-01 0 days 1,678 sqft
    2018-03-01 0 days 1,722 sqft
    2018-04-01 0 days 1,844 sqft
    2018-05-01 0 days 1,872 sqft
    2018-06-01 0 days 1,873 sqft
    2018-07-01 0 days 1,850 sqft
    2018-08-01 0 days 1,851 sqft
    2018-09-01 0 days 1,810 sqft
    2018-10-01 0 days 1,826 sqft
    2018-11-01 0 days 1,816 sqft
    2018-12-01 0 days 1,800 sqft
    2019-01-01 0 days 1,818 sqft
    2019-02-01 0 days 1,809 sqft
    2019-03-01 0 days 1,837 sqft
    2019-04-01 0 days 1,824 sqft
    2019-05-01 0 days 1,861 sqft
    2019-06-01 0 days 1,852 sqft
    2019-07-01 0 days 1,829 sqft
    2019-08-01 0 days 1,755 sqft
    2019-09-01 0 days 1,741 sqft
    2019-10-01 0 days 1,720 sqft
    2019-11-01 0 days 1,735 sqft
    2019-12-01 0 days 1,722 sqft
    2020-01-01 0 days 1,699 sqft
    2020-02-01 0 days 1,707 sqft
    2020-03-01 0 days 1,780 sqft
    2020-04-01 0 days 1,829 sqft
    2020-05-01 0 days 1,943 sqft
    2020-06-01 0 days 1,960 sqft
    2020-07-01 0 days 1,897 sqft
    2020-08-01 0 days 1,873 sqft
    2020-09-01 0 days 1,866 sqft
    2020-10-01 0 days 1,826 sqft
    2020-11-01 0 days 1,914 sqft
    2020-12-01 0 days 1,931 sqft
    2021-01-01 0 days 1,892 sqft
    2021-02-01 0 days 1,944 sqft
    2021-03-01 0 days 1,892 sqft
    2021-04-01 0 days 1,857 sqft
    2021-05-01 0 days 1,829 sqft
    2021-06-01 0 days 1,707 sqft
    2021-07-01 0 days 1,850 sqft
    2021-08-01 0 days 1,808 sqft
    2021-09-01 0 days 1,761 sqft
    2021-10-01 0 days 1,693 sqft
    2021-11-01 0 days 1,736 sqft
    2021-12-01 0 days 1,741 sqft
    2022-01-01 0 days 1,830 sqft
    2022-02-01 0 days 1,897 sqft
    2022-03-01 0 days 1,896 sqft
    2022-04-01 0 days 1,836 sqft
    2022-05-01 0 days 1,854 sqft
    2022-06-01 0 days 1,853 sqft
    2022-07-01 0 days 1,824 sqft
    2022-08-01 0 days 1,760 sqft
    2022-09-01 0 days 1,651 sqft
    2022-10-01 0 days 1,704 sqft
    2022-11-01 0 days 1,751 sqft
    2022-12-01 0 days 1,815 sqft
    2023-01-01 0 days 1,884 sqft
    2023-02-01 0 days 1,847 sqft
    Mountain Home's median listing age (time on market) for 2023-02-01 was 0 days.

    Mountain Home's median square footage for active listings during the 2023-02-01 period was 1,847 sqft. One year prior, the average listing was 1,897 sqft.

    Mountain Home, ID Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 567 $176,135,000 $310,644
    Cash Out Refi 266 $64,460,000 $242,331
    Home Improvement 81 $7,755,000 $95,741
    Refi 81 $18,355,000 $226,605
    Other 45 $4,385,000 $97,444

    Mountain Home's most frequently cited loan purpose was Home Purchase, with 567 originations. The 2nd most popular reason was Cash Out Refi, with 266 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 273 $78,045,000 $285,879
    4-5% 258 $64,010,000 $248,101
    5-6% 255 $72,855,000 $285,706
    6-7% 128 $27,540,000 $215,156
    2.5-3% 56 $15,880,000 $283,571
    7-8% 29 $4,585,000 $158,103
    <2.5% 24 $5,290,000 $220,417
    Over 8% 15 $2,055,000 $137,000

    During 2022, Mountain Home's most frequently originated rate bucket was 3-4%, with 273 originations.

    Loan Sizing (Mountain Home, ID MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 554 $164,030,000 $296,083
    $100k-200k 211 $31,865,000 $151,019
    $100,000 or less 155 $6,755,000 $43,581
    $400k-600k 99 $45,655,000 $461,162
    $600k-1000k 17 $12,055,000 $709,118
    $Over $1MM 4 $10,730,000 $2,682,500

    Mountain Home's loan sizing saw the bucket of loans from $200k-400k with 554 originations, totaling $164,030,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 380 $130,150,000 $342,500
    60-80% 219 $60,555,000 $276,507
    40-60% 132 $27,820,000 $210,758
    Under 20% 125 $4,995,000 $39,960
    Over 100% 99 $36,565,000 $369,343
    20-40% 80 $9,480,000 $118,500

    Mountain Home's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 380 originations, totaling $130,150,000 in origination value.