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 6.73% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.82% and one month ago for the week of 2024-11-07, the average rate was 6.72%.

    Mountain Home's average rate one year ago was 7.06%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.6%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Mountain Home 30 Year Fixed Rate 2024-12-12 6.73%
    Mountain Home 30 Year Fixed Rate Refi 2024-12-12 6.6%
    Mountain Home 15 Year Fixed Rate 2024-12-12 5.64%
    Mountain Home 15 Year Fixed Rate Refi 2024-12-12 6.44%
    Mountain Home 30 Year FHA 2024-12-12 5.85%
    Mountain Home 30 Year FHA Refi 2024-12-12 6.48%
    Mountain Home 30 Year USDA 2024-12-12 6.4%
    Mountain Home 30 Year USDA Refi 2024-12-12 6.3%
    Mountain Home 30 Year VA 2024-12-12 5.66%
    Mountain Home 30 Year VA Refi 2024-12-12 5.98%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    PIONEER 19 5.60% $5,161
    IDAHO CENTRAL 14 6.73% $6,824
    MOVEMENT MORTGAGE, LLC 10 6.37% $6,729
    PREMIER MORTGAGE RESOURCES, L.L.C. 10 6.40% $7,768
    QUICKEN LOANS, LLC 7 7.23% $9,022
    UNITED WHOLESALE MORTGAGE, LLC 7 6.83% $8,085
    LOANDEPOT.COM, LLC 6 6.44% $9,065
    AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.67% $6,504
    JPMorgan Chase Bank 3 6.83% $6,219
    Mortgage Research Center, LLC 3 6.21% $10,026
    CROSSCOUNTRY MORTGAGE, LLC 2 6.88% $10,771
    Sunflower Bank 2 7.50% $6,828
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.43% $4,274
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.50% $5,444
    KeyBank 2 7.25% $6,258
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.44% $7,365
    GUILD MORTGAGE COMPANY 2 6.69% $14,335
    SIRVA MORTGAGE, INC. 1 7.38% $0
    SUMMIT FUNDING, INC. 1 7.50% $6,308
    Umpqua Bank 1 6.38% $9,496
    UNION HOME MORTGAGE CORP. 1 6.38% $7,899
    Washington Trust Bank 1 5.88% $2,635
    ACADEMY MORTGAGE CORPORATION 1 7.75% $12,220
    Waterstone Mortgage Corporation 1 7.38% $6,832
    Ally Bank 1 6.50% $3,406
    American Mortgage & Equity Consultants, Inc. 1 7.88% $8,687
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.95% $3,885
    AUGUSTA FINANCIAL, INC. 1 7.50% $7,643
    AXIA FINANCIAL, LLC 1 6.00% $3,660
    Bank of England 1 6.13% $19,887
    BROKER SOLUTIONS, INC. 1 6.63% $3,310
    CHURCHILL MORTGAGE CORPORATION 1 5.99% $8,952
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.25% $5,070
    COLUMBIA COMMUNITY CREDIT UNION 1 8.13% $7,287
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 7.38% $12,832
    GUARANTEED RATE, INC. 1 6.63% $8,069
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $4,757
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.75% $12,464
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.38% $8,316
    S1L, Inc. 1 7.63% $7,763

    Mountain Home Average Closing Costs & Other Stats

    Mountain Home, ID's 40 lenders originated 682 loans during 2023. The total origination value was $168,330,000, with an average loan value of $246,818.

    Mountain Home's average closing costs are $6,578.

    The top Mountain Home lender as defined by loan originations is PIONEER, with 19 loans originated. Their average total fees are $5,161, which is $1,663 lower than the next largest lender, IDAHO CENTRAL.

    The lowest fee Mountain Home lenders (with over 10 loans originated) are PIONEER ($5,161), MOVEMENT MORTGAGE, LLC ($6,729), IDAHO CENTRAL ($6,824), PREMIER MORTGAGE RESOURCES, L.L.C. ($7,768) and .

    The lowest rate Mountain Home lenders (with over 10 loans originated) are PIONEER (5.60%), MOVEMENT MORTGAGE, LLC (6.37%), PREMIER MORTGAGE RESOURCES, L.L.C. (6.40%), IDAHO CENTRAL (6.73%) and .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Mortgage Research Center, LLC $24,715,000 $19,630,000 -20.6% 11.7%
    MOVEMENT MORTGAGE, LLC $22,085,000 $16,925,000 -23.4% 10.1%
    PREMIER MORTGAGE RESOURCES, L.L.C. $14,255,000 $12,755,000 -10.5% 7.6%
    AMERICAN PACIFIC MORTGAGE CORPORATION $840,000 $9,960,000 1,085.7% 5.9%
    UNITED WHOLESALE MORTGAGE, LLC $11,085,000 $8,790,000 -20.7% 5.2%
    IDAHO CENTRAL $12,125,000 $8,065,000 -33.5% 4.8%
    QUICKEN LOANS, LLC $15,510,000 $7,445,000 -52.0% 4.4%
    PIONEER $10,075,000 $7,220,000 -28.3% 4.3%
    CROSSCOUNTRY MORTGAGE, LLC $2,805,000 $6,090,000 117.1% 3.6%
    COLUMBIA COMMUNITY CREDIT UNION $4,970,000 n/a 3.0%
    LOANDEPOT.COM, LLC $5,865,000 $3,870,000 -34.0% 2.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $13,065,000 $3,495,000 -73.2% 2.1%
    GUILD MORTGAGE COMPANY $4,590,000 $3,285,000 -28.4% 2.0%
    ACADEMY MORTGAGE CORPORATION $2,665,000 $3,070,000 15.2% 1.8%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $3,300,000 $2,350,000 -28.8% 1.4%
    ORIX REAL ESTATE CAPITAL, LLC $1,895,000 n/a 1.1%
    Flagstar Bank, FSB $6,095,000 $1,820,000 -70.1% 1.1%
    USAA Federal Savings Bank $3,145,000 $1,805,000 -42.6% 1.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,725,000 $1,680,000 -2.6% 1.0%
    Sunflower Bank $1,680,000 n/a 1.0%
    First Federal Savings Bank of Twin Falls $1,900,000 $1,665,000 -12.4% 1.0%
    FREEDOM MORTGAGE CORPORATION $5,940,000 $1,315,000 -77.9% 0.8%
    First Interstate Bank $8,080,000 $1,300,000 -83.9% 0.8%
    NEWREZ LLC $1,275,000 n/a 0.8%
    NAVY FEDERAL CREDIT UNION $2,295,000 $1,230,000 -46.4% 0.7%
    SUMMIT FUNDING, INC. $1,345,000 $1,210,000 -10.0% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $610,000 $1,155,000 89.3% 0.7%
    MUTUAL OF OMAHA MORTGAGE, INC. $645,000 $1,155,000 79.1% 0.7%
    PENNYMAC LOAN SERVICES, LLC $2,655,000 $1,025,000 -61.4% 0.6%
    Wells Fargo Bank $1,675,000 $995,000 -40.6% 0.6%
    Willamette Valley Bank $1,810,000 $955,000 -47.2% 0.6%
    AMCAP MORTGAGE, LTD. $1,155,000 $915,000 -20.8% 0.5%
    PENTAGON FEDERAL CREDIT UNION $980,000 $910,000 -7.1% 0.5%
    FIRST COLONY MORTGAGE CORPORATION $385,000 $890,000 131.2% 0.5%
    Zions Bank $645,000 $855,000 32.6% 0.5%
    CHURCHILL MORTGAGE CORPORATION $735,000 $820,000 11.6% 0.5%
    NBKC BANK $395,000 $810,000 105.1% 0.5%
    VILLAGE CAPITAL MORTGAGE $345,000 $740,000 114.5% 0.4%
    SECURITYNATIONAL MORTGAGE COMPANY $725,000 n/a 0.4%
    GUARANTEED RATE, INC. $1,355,000 $700,000 -48.3% 0.4%
    Waterstone Mortgage Corporation $1,745,000 $660,000 -62.2% 0.4%
    AXIA FINANCIAL, LLC $335,000 $645,000 92.5% 0.4%
    AMERISAVE MORTGAGE CORPORATION $1,205,000 $630,000 -47.7% 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $955,000 $615,000 -35.6% 0.4%
    JPMorgan Chase Bank $1,390,000 $610,000 -56.1% 0.4%
    KeyBank $540,000 $610,000 13.0% 0.4%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,565,000 $510,000 -67.4% 0.3%
    AMERICA FIRST $285,000 $485,000 70.2% 0.3%
    LOANPAL, LLC $405,000 $480,000 18.5% 0.3%
    MOUNTAIN AMERICA $2,900,000 $475,000 -83.6% 0.3%
    M&T Bank $185,000 $470,000 154.1% 0.3%
    BAY EQUITY LLC $640,000 $465,000 -27.3% 0.3%
    NEW DAY FINANCIAL, LLC $695,000 $465,000 -33.1% 0.3%
    Century Mortgage Company DBA Century Lending Company $425,000 n/a 0.3%
    FINANCE OF AMERICA REVERSE LLC $620,000 $425,000 -31.5% 0.3%
    Umpqua Bank $670,000 $425,000 -36.6% 0.3%
    The Central Trust Bank $415,000 n/a 0.2%
    S1L, Inc. $2,495,000 $405,000 -83.8% 0.2%
    BROKER SOLUTIONS, INC. $825,000 $390,000 -52.7% 0.2%
    Ixonia Bank $385,000 n/a 0.2%
    SOVEREIGN LENDING GROUP INCORPORATED $385,000 n/a 0.2%
    Washington Trust Bank $180,000 $385,000 113.9% 0.2%
    INTERCAP LENDING INC. $375,000 n/a 0.2%
    BNC National Bank $375,000 $365,000 -2.7% 0.2%
    MY MOVE MORTGAGE, LLC $365,000 n/a 0.2%
    CALIBER HOME LOANS, INC. $20,620,000 $355,000 -98.3% 0.2%
    GUARANTEED RATE AFFINITY, LLC $355,000 n/a 0.2%
    Bank of England $345,000 n/a 0.2%
    Discover Bank $85,000 $310,000 264.7% 0.2%
    HOMEXPRESS MORTGAGE CORP. $305,000 n/a 0.2%
    Plains Commerce Bank $305,000 n/a 0.2%
    SIRVA MORTGAGE, INC. $305,000 $305,000 0.0% 0.2%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $290,000 n/a 0.2%
    Ally Bank $285,000 n/a 0.2%
    American Mortgage & Equity Consultants, Inc. $285,000 n/a 0.2%
    Boeing Employees Credit Union $275,000 n/a 0.2%
    VERITAS FUNDING, LLC $540,000 $265,000 -50.9% 0.2%
    CALCON MUTUAL MORTGAGE LLC $255,000 n/a 0.2%
    Carrington Mortgage Services, LLC $360,000 $255,000 -29.2% 0.2%
    CHERRY CREEK MORTGAGE, LLC $255,000 n/a 0.2%
    Cornerstone First Mortgage, Inc $255,000 n/a 0.2%
    AUGUSTA FINANCIAL, INC. $235,000 n/a 0.1%
    Franklin Loan Corporation $225,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $215,000 n/a 0.1%
    Sierra Pacific Mortgage Company, Inc. $215,000 n/a 0.1%
    HORIZON $235,000 $210,000 -10.6% 0.1%
    Commerce Home Mortgage, Inc. $205,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,080,000 $205,000 -81.0% 0.1%
    LENDSURE MORTGAGE CORP. $175,000 $205,000 17.1% 0.1%
    Gateway First Bank $405,000 $185,000 -54.3% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $185,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $945,000 $175,000 -81.5% 0.1%
    UNION HOME MORTGAGE CORP. $255,000 $165,000 -35.3% 0.1%
    Bank of America $140,000 $155,000 10.7% 0.1%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $155,000 n/a 0.1%
    U.S. Bank $3,505,000 $155,000 -95.6% 0.1%
    CAPITAL EDUCATORS FEDERAL CREDIT UNION $105,000 $150,000 42.9% 0.1%
    PHH Mortgage Corporation $145,000 n/a 0.1%
    PNC Bank $105,000 $125,000 19.0% 0.1%
    21ST MORTGAGE CORPORATION $145,000 $120,000 -17.2% 0.1%
    FARMERS BANK $105,000 $110,000 4.8% 0.1%
    CONNECTIONS $75,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.0%
    WESTMARK Credit Union $55,000 n/a 0.0%
    Service Federal Credit Union $45,000 n/a 0.0%
    D. L. Evans Bank $1,800,000 $35,000 -98.1% 0.0%
    EAST IDAHO Credit Union $25,000 n/a 0.0%
    Figure Lending LLC $25,000 n/a 0.0%
    Washington Federal Bank $690,000 $25,000 -96.4% 0.0%

    Mountain Home's top lender by overall market share is Mortgage Research Center, LLC, with 11.7% market share. In second place, with 10.1%, is MOVEMENT MORTGAGE, LLC, having originated $16,925,000 in loans. In third place, with 7.6%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $12,755,000 in loans. In fourth place, with 5.9%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $9,960,000 in loans. In fifth place, with 5.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $8,790,000 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 $233,783 (27.1%) $269,746 (-10.0%) 0.00 48
    2019-04-01 $230,473 (15.2%) $268,607 (-14.8%) 0.00 50
    2019-05-01 $225,000 (8.1%) $260,273 (-19.0%) 0.00 78
    2019-06-01 $240,303 (11.8%) $330,754 (5.5%) 0.00 83
    2019-07-01 $240,978 (12.7%) $336,745 (7.4%) 0.00 91
    2019-08-01 $237,535 (11.8%) $330,453 (3.1%) 0.00 92
    2019-09-01 $238,354 (19.2%) $323,992 (4.5%) 0.00 96
    2019-10-01 $239,445 (15.1%) $319,684 (12.0%) 0.00 97
    2019-11-01 $246,900 (20.8%) $299,979 (15.4%) 0.00 89
    2019-12-01 $249,900 (12.3%) $274,462 (6.3%) 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 (16.2%) $310,843 (15.2%) 0.00 63
    2020-04-01 $276,270 (19.9%) $331,387 (23.4%) 0.00 69
    2020-05-01 $279,990 (24.4%) $338,546 (30.1%) 0.00 55
    2020-06-01 $279,923 (16.5%) $359,552 (8.7%) 0.00 33
    2020-07-01 $278,898 (15.7%) $343,005 (1.9%) 0.00 28
    2020-08-01 $285,000 (20.0%) $334,617 (1.3%) 0.00 25
    2020-09-01 $266,250 (11.7%) $320,656 (-1.0%) 0.00 24
    2020-10-01 $270,000 (12.8%) $318,200 (-0.5%) 0.00 19
    2020-11-01 $326,475 (32.2%) $337,147 (12.4%) 0.00 18
    2020-12-01 $325,375 (30.2%) $352,115 (28.3%) 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
    2023-03-01 $370,000 (-9.8%) $416,448 (-3.5%) 0.00 57
    2023-04-01 $375,000 (-11.7%) $421,264 (-0.7%) 0.00 56
    2023-05-01 $387,490 (-6.4%) $437,022 (-5.4%) 0.00 64
    2023-06-01 $388,095 (-2.4%) $435,626 (-9.2%) 0.00 63
    2023-07-01 $395,445 (5.5%) $444,818 (2.5%) 0.00 62
    2023-08-01 $383,470 (4.4%) $456,627 (11.4%) 0.00 72
    2023-09-01 $365,000 (4.3%) $437,896 (6.8%) 0.00 85
    2023-10-01 $393,718 (5.0%) $444,348 (0.6%) 0.00 81
    2023-11-01 $348,675 (-4.3%) $426,794 (3.2%) 0.00 71
    2023-12-01 $357,450 (-2.1%) $416,461 (-5.1%) 0.00 62
    2024-01-01 $359,998 (-2.0%) $405,088 (-8.0%) 0.00 51
    2024-02-01 $376,223 (0.5%) $432,556 (7.0%) 0.00 39
    2024-03-01 $397,495 (7.4%) $426,813 (2.5%) 0.00 39
    2024-04-01 $400,550 (6.8%) $464,274 (10.2%) 0.00 50
    2024-05-01 $417,925 (7.9%) $555,650 (27.1%) 0.00 65
    2024-06-01 $399,900 (3.0%) $571,442 (31.2%) 0.00 70
    2024-07-01 $424,498 (7.4%) $597,861 (34.4%) 0.00 74
    2024-08-01 $412,490 (7.6%) $578,688 (26.7%) 0.00 79
    2024-09-01 $389,925 (6.8%) $537,360 (22.7%) 0.00 96
    2024-10-01 $373,125 (-5.2%) $499,532 (12.4%) 0.00 99
    2024-11-01 $369,000 (5.8%) $498,060 (16.7%) 0.00 100
    Mountain Home's median listing price for 2024-11-01 was $369,000, a difference of $20,325 (5.8%) versus the prior year and $-4,125 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 2024-11-01 was $498,060, a difference of $71,266 (16.7%) versus the prior year and $-1,472 versus the prior month.

    For the 2024-11-01 period, Mountain Home had 100 MLS listings, a difference of 1 listings (1%) versus the prior month and 29 listings (41%) 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 1,830 sqft
    2019-04-01 0 days 1,808 sqft
    2019-05-01 0 days 1,861 sqft
    2019-06-01 0 days 1,856 sqft
    2019-07-01 0 days 1,835 sqft
    2019-08-01 0 days 1,764 sqft
    2019-09-01 0 days 1,749 sqft
    2019-10-01 0 days 1,730 sqft
    2019-11-01 0 days 1,748 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
    2023-03-01 0 days 1,743 sqft
    2023-04-01 0 days 1,744 sqft
    2023-05-01 0 days 1,840 sqft
    2023-06-01 0 days 1,851 sqft
    2023-07-01 0 days 1,755 sqft
    2023-08-01 0 days 1,722 sqft
    2023-09-01 0 days 1,713 sqft
    2023-10-01 0 days 1,740 sqft
    2023-11-01 0 days 1,664 sqft
    2023-12-01 0 days 1,814 sqft
    2024-01-01 0 days 1,661 sqft
    2024-02-01 0 days 1,876 sqft
    2024-03-01 0 days 2,006 sqft
    2024-04-01 0 days 2,074 sqft
    2024-05-01 0 days 2,074 sqft
    2024-06-01 0 days 1,916 sqft
    2024-07-01 0 days 1,952 sqft
    2024-08-01 0 days 1,903 sqft
    2024-09-01 0 days 1,815 sqft
    2024-10-01 0 days 1,716 sqft
    2024-11-01 0 days 1,757 sqft
    Mountain Home's median listing age (time on market) for 2024-11-01 was 0 days.

    Mountain Home's median square footage for active listings during the 2024-11-01 period was 1,757 sqft. One year prior, the average listing was 1,664 sqft.

    Mountain Home, ID Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 413 $124,785,000 $302,143
    Cash Out Refi 134 $28,490,000 $212,612
    Home Improvement 68 $6,190,000 $91,029
    Other 45 $3,035,000 $67,444
    Refi 22 $5,830,000 $265,000

    Mountain Home's most frequently cited loan purpose was Home Purchase, with 413 originations. The 2nd most popular reason was Cash Out Refi, with 134 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 246 $71,610,000 $291,098
    5-6% 154 $47,430,000 $307,987
    Over 8% 152 $11,850,000 $77,961
    7-8% 104 $27,710,000 $266,442
    4-5% 15 $4,685,000 $312,333
    3-4% 7 $2,015,000 $287,857
    2.5-3% 2 $730,000 $365,000
    <2.5% 2 $2,300,000 $1,150,000

    During 2023, Mountain Home's most frequently originated rate bucket was 6-7%, with 246 originations.

    Loan Sizing (Mountain Home, ID MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 366 $111,310,000 $304,126
    $100,000 or less 151 $6,615,000 $43,808
    $100k-200k 101 $14,855,000 $147,079
    $400k-600k 59 $26,845,000 $455,000
    $600k-1000k 3 $2,155,000 $718,333
    $Over $1MM 2 $6,550,000 $3,275,000

    Mountain Home's loan sizing saw the bucket of loans from $200k-400k with 366 originations, totaling $111,310,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 276 $91,360,000 $331,014
    Under 20% 124 $4,850,000 $39,113
    60-80% 101 $29,865,000 $295,693
    Over 100% 67 $25,065,000 $374,104
    20-40% 58 $6,560,000 $113,103
    40-60% 54 $9,870,000 $182,778

    Mountain Home's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 276 originations, totaling $91,360,000 in origination value.