Mountain Home Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Mountain Home averaged
6.77%
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
6.87% and
one month ago for the week of 2025-05-29, the
average rate was 6.79%.
Mountain Home's average rate one year ago was 6.96%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.57%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Mountain Home 30 Year Fixed Rate | 2025-07-03 | 6.77% |
| Mountain Home 30 Year Fixed Rate Refi | 2025-07-03 | 6.57% |
| Mountain Home 15 Year Fixed Rate | 2025-07-03 | 6% |
| Mountain Home 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Mountain Home 30 Year FHA | 2025-07-03 | 0.03% |
| Mountain Home 30 Year FHA Refi | 2025-07-03 | -0.2% |
| Mountain Home 30 Year USDA | 2025-07-03 | -0.1% |
| Mountain Home 30 Year USDA Refi | 2025-07-03 | -0.1% |
| Mountain Home 30 Year VA | 2025-07-03 | 0.03% |
| Mountain Home 30 Year VA Refi | 2025-07-03 | 0% |
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.).
Mountain Home Average Closing Costs & Other Stats
Mountain Home, ID's 40 lenders originated 635
loans during 2024. The total origination value was $174,525,000, with an average loan value of
$274,843.
Mountain Home's average closing costs are $6,829.
The top Mountain Home lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with
18 loans originated. Their average total fees are
$5,848, which is $1,886
lower than the next largest lender,
PREMIER MORTGAGE RESOURCES, L.L.C..
The lowest fee Mountain Home lenders (with over 10 loans originated) are
IDAHO CENTRAL ($5,555), MOVEMENT MORTGAGE, LLC ($5,848), QUICKEN LOANS, LLC ($6,297), AMERICAN PACIFIC MORTGAGE CORPORATION ($6,363) and PREMIER MORTGAGE RESOURCES, L.L.C. ($7,734).
The lowest rate Mountain Home lenders (with over 10 loans originated) are
IDAHO CENTRAL (6.53%), PREMIER MORTGAGE RESOURCES, L.L.C. (6.60%), MOVEMENT MORTGAGE, LLC (6.74%), AMERICAN PACIFIC MORTGAGE CORPORATION (6.83%) and QUICKEN LOANS, LLC (6.83%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Mortgage Research Center, LLC | $19,630,000 | $19,160,000 | -2.4% | 11.0% |
| MOVEMENT MORTGAGE, LLC | $16,925,000 | $17,010,000 | 0.5% | 9.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $12,755,000 | $15,825,000 | 24.1% | 9.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $8,790,000 | $12,690,000 | 44.4% | 7.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $9,960,000 | $10,925,000 | 9.7% | 6.3% |
| IDAHO CENTRAL | $8,065,000 | $8,905,000 | 10.4% | 5.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,090,000 | $7,675,000 | 26.0% | 4.4% |
| QUICKEN LOANS, LLC | $7,445,000 | $7,670,000 | 3.0% | 4.4% |
| FREEDOM MORTGAGE CORPORATION | $1,315,000 | $5,320,000 | 304.6% | 3.0% |
| U.S. Bank | $155,000 | $3,625,000 | 2,238.7% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,495,000 | $3,520,000 | 0.7% | 2.0% |
| GUILD MORTGAGE COMPANY | $3,285,000 | $2,260,000 | -31.2% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $1,025,000 | $2,220,000 | 116.6% | 1.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,155,000 | $2,170,000 | 87.9% | 1.2% |
| NEWREZ LLC | $1,275,000 | $2,140,000 | 67.8% | 1.2% |
| CMG MORTGAGE, INC. | $2,100,000 | n/a | 1.2% | |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | $150,000 | $2,015,000 | 1,243.3% | 1.2% |
| NAVY FEDERAL CREDIT UNION | $1,230,000 | $1,885,000 | 53.3% | 1.1% |
| LOANDEPOT.COM, LLC | $3,870,000 | $1,810,000 | -53.2% | 1.0% |
| MOUNTAIN AMERICA | $475,000 | $1,630,000 | 243.2% | 0.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,680,000 | $1,575,000 | -6.3% | 0.9% |
| S1L, Inc. | $405,000 | $1,530,000 | 277.8% | 0.9% |
| SUMMIT FUNDING, INC. | $1,210,000 | $1,505,000 | 24.4% | 0.9% |
| First Federal Savings Bank of Twin Falls | $1,665,000 | $1,395,000 | -16.2% | 0.8% |
| Sunflower Bank | $1,680,000 | $1,365,000 | -18.8% | 0.8% |
| USAA Federal Savings Bank | $1,805,000 | $1,350,000 | -25.2% | 0.8% |
| LAKEVIEW LOAN SERVICING, LLC | $175,000 | $1,225,000 | 600.0% | 0.7% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $2,350,000 | $1,190,000 | -49.4% | 0.7% |
| Magnolia Bank | $1,175,000 | n/a | 0.7% | |
| Zions Bank | $855,000 | $1,155,000 | 35.1% | 0.7% |
| Bank of Idaho | $1,150,000 | n/a | 0.7% | |
| Northwest Farm Credit Services, FLCA | $1,150,000 | n/a | 0.7% | |
| First Interstate Bank | $1,300,000 | $1,145,000 | -11.9% | 0.7% |
| MY MOVE MORTGAGE, LLC | $365,000 | $1,075,000 | 194.5% | 0.6% |
| GUARANTEED RATE, INC. | $700,000 | $1,045,000 | 49.3% | 0.6% |
| CHURCHILL MORTGAGE CORPORATION | $820,000 | $915,000 | 11.6% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $425,000 | $910,000 | 114.1% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $510,000 | $885,000 | 73.5% | 0.5% |
| ENVOY MORTGAGE, LTD | $870,000 | n/a | 0.5% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,155,000 | $870,000 | -24.7% | 0.5% |
| NATIONS DIRECT MORTGAGE, LLC | $830,000 | n/a | 0.5% | |
| NFM, INC. | $810,000 | n/a | 0.5% | |
| The Federal Savings Bank | $790,000 | n/a | 0.5% | |
| Carrington Mortgage Services, LLC | $255,000 | $720,000 | 182.4% | 0.4% |
| SUN WEST MORTGAGE COMPANY, INC. | $710,000 | n/a | 0.4% | |
| FIRST COLONY MORTGAGE CORPORATION | $890,000 | $700,000 | -21.3% | 0.4% |
| CASTLE & COOKE MORTGAGE, LLC | $685,000 | n/a | 0.4% | |
| PLANET HOME LENDING, LLC | $670,000 | n/a | 0.4% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $570,000 | n/a | 0.3% | |
| EMBRACE HOME LOANS, INC. | $565,000 | n/a | 0.3% | |
| HOMEXPRESS MORTGAGE CORP. | $305,000 | $545,000 | 78.7% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $510,000 | n/a | 0.3% | |
| PHH Mortgage Corporation | $145,000 | $510,000 | 251.7% | 0.3% |
| UNION HOME MORTGAGE CORP. | $165,000 | $450,000 | 172.7% | 0.3% |
| LOANPAL, LLC | $480,000 | $435,000 | -9.4% | 0.2% |
| Colonial Savings, F.A. | $425,000 | n/a | 0.2% | |
| MORTGAGEONE, INC. | $425,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $740,000 | $425,000 | -42.6% | 0.2% |
| Waterstone Mortgage Corporation | $660,000 | $405,000 | -38.6% | 0.2% |
| NBKC BANK | $810,000 | $395,000 | -51.2% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $185,000 | $390,000 | 110.8% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $630,000 | $380,000 | -39.7% | 0.2% |
| AMERICA FIRST | $485,000 | $375,000 | -22.7% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $365,000 | n/a | 0.2% | |
| PENTAGON FEDERAL CREDIT UNION | $910,000 | $365,000 | -59.9% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $255,000 | $345,000 | 35.3% | 0.2% |
| Flagstar Bank, FSB | $1,820,000 | $335,000 | -81.6% | 0.2% |
| AXIA FINANCIAL, LLC | $645,000 | $325,000 | -49.6% | 0.2% |
| Plains Commerce Bank | $305,000 | $325,000 | 6.6% | 0.2% |
| Willamette Valley Bank | $955,000 | $320,000 | -66.5% | 0.2% |
| M&T Bank | $470,000 | $305,000 | -35.1% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $285,000 | $295,000 | 3.5% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $295,000 | n/a | 0.2% | |
| POINT Mortgage | $285,000 | n/a | 0.2% | |
| Gateway First Bank | $185,000 | $275,000 | 48.6% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $265,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $235,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $465,000 | $225,000 | -51.6% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $215,000 | n/a | 0.1% | |
| WESTMARK Credit Union | $55,000 | $215,000 | 290.9% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $195,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $215,000 | $185,000 | -14.0% | 0.1% |
| D. L. Evans Bank | $35,000 | $180,000 | 414.3% | 0.1% |
| CONNECTIONS | $75,000 | $175,000 | 133.3% | 0.1% |
| GOLDENWEST | $175,000 | n/a | 0.1% | |
| Bank of America | $155,000 | $160,000 | 3.2% | 0.1% |
| The Loan Store, Inc. | $150,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $145,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $120,000 | $130,000 | 8.3% | 0.1% |
| Umpqua Bank | $425,000 | $125,000 | -70.6% | 0.1% |
| Service Federal Credit Union | $45,000 | $105,000 | 133.3% | 0.1% |
| Discover Bank | $310,000 | $90,000 | -71.0% | 0.1% |
| FIRST TECHNOLOGY | $75,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | n/a | 0.0% | |
| HomeTrust Bank | $55,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $45,000 | n/a | 0.0% |
Mountain Home's top lender by overall market share is Mortgage Research Center, LLC, with 11.0% market share. In second place, with 9.7%, is MOVEMENT MORTGAGE, LLC, having originated $17,010,000 in loans. In third place, with 9.1%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $15,825,000 in loans. In fourth place, with 7.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $12,690,000 in loans. In fifth place, with 6.3%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $10,925,000 in loans.
Mountain Home, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 401 | $125,275,000 | $312,406 |
| Cash Out Refi | 80 | $18,730,000 | $234,125 |
| Refi | 78 | $23,770,000 | $304,744 |
| Home Improvement | 49 | $4,495,000 | $91,735 |
| Other | 27 | $2,255,000 | $83,519 |
Mountain Home's most frequently cited loan purpose was Home Purchase, with 401 originations. The 2nd most popular reason was Cash Out Refi, with 80 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 271 | $84,785,000 | $312,860 |
| 5-6% | 151 | $50,325,000 | $333,278 |
| Over 8% | 108 | $8,230,000 | $76,204 |
| 7-8% | 72 | $20,770,000 | $288,472 |
| 4-5% | 14 | $4,750,000 | $339,286 |
| 2.5-3% | 6 | $2,000,000 | $333,333 |
| <2.5% | 4 | $860,000 | $215,000 |
| 3-4% | 3 | $1,015,000 | $338,333 |
During 2024, Mountain Home's most frequently originated rate bucket was 6-7%, with 271 originations.
Loan Sizing (Mountain Home, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 346 | $106,110,000 | $306,676 |
| $100,000 or less | 113 | $5,055,000 | $44,735 |
| $400k-600k | 86 | $38,270,000 | $445,000 |
| $100k-200k | 70 | $10,150,000 | $145,000 |
| $600k-1000k | 19 | $13,305,000 | $700,263 |
| $Over $1MM | 1 | $1,635,000 | $1,635,000 |
Mountain Home's loan sizing saw the bucket of loans from $200k-400k with 346 originations, totaling $106,110,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 293 | $101,165,000 | $345,273 |
| 60-80% | 87 | $24,875,000 | $285,920 |
| Under 20% | 85 | $3,015,000 | $35,471 |
| Over 100% | 55 | $21,165,000 | $384,818 |
| 40-60% | 46 | $11,640,000 | $253,043 |
| 20-40% | 42 | $4,320,000 | $102,857 |
Mountain Home's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 293 originations, totaling $101,165,000 in origination value.