Mountain Home Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Mountain Home averaged 6.42% for the week of 2024-02-29, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-02-22) was 6.68% and one month ago for the week of 2024-01-25, the average rate was 6.47%.

Mountain Home's average rate one year ago was 6.51%.

For refis of the same type during the week of 2024-02-29, the average rate was 7.34%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-29 6.94%
Mountain Home 30 Year Fixed Rate 2024-02-29 6.42%
Mountain Home 30 Year Fixed Rate Refi 2024-02-29 7.34%
Mountain Home 15 Year Fixed Rate 2024-02-29 6.16%
Mountain Home 15 Year Fixed Rate Refi 2024-02-29 6.36%
Mountain Home 30 Year FHA 2024-02-29 6.31%
Mountain Home 30 Year FHA Refi 2024-02-29 6.79%
Mountain Home 30 Year USDA 2024-02-29 6.73%
Mountain Home 30 Year USDA Refi 2024-02-29 6.63%
Mountain Home 30 Year VA 2024-02-29 6.09%
Mountain Home 30 Year VA Refi 2024-02-29 6.42%
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 Bank 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 $233,783 (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 (-10.3%) 0.00 83
2019-07-01 $240,978 (12.7%) $336,745 (-7.8%) 0.00 91
2019-08-01 $237,535 (11.8%) $330,453 (-11.3%) 0.00 92
2019-09-01 $238,354 (19.2%) $323,992 (-9.2%) 0.00 96
2019-10-01 $239,445 (15.1%) $319,684 (-2.0%) 0.00 97
2019-11-01 $246,900 (20.8%) $299,979 (6.6%) 0.00 89
2019-12-01 $249,900 (12.3%) $274,462 (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 (16.2%) $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 (27.8%) 0.00 33
2020-07-01 $278,898 (15.7%) $343,005 (18.7%) 0.00 28
2020-08-01 $285,000 (20.0%) $334,617 (17.7%) 0.00 25
2020-09-01 $266,250 (11.7%) $320,656 (13.9%) 0.00 24
2020-10-01 $270,000 (12.8%) $318,200 (13.7%) 0.00 19
2020-11-01 $326,475 (32.2%) $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
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 (0.0%) 0.00 62
2024-01-01 $359,998 (-2.0%) $405,088 (0.0%) 0.00 51
Mountain Home's median listing price for 2024-01-01 was $359,998, a difference of $-7,452 (-2.0%) versus the prior year and $2,548 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 2024-01-01 was $405,088, a difference of $-35,306 (0.0%) versus the prior year and $-11,373 versus the prior month.

For the 2024-01-01 period, Mountain Home had 51 MLS listings, a difference of -11 listings (-18%) versus the prior month and -9 listings (-15%) 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
Mountain Home's median listing age (time on market) for 2024-01-01 was 0 days.

Mountain Home's median square footage for active listings during the 2024-01-01 period was 1,661 sqft. One year prior, the average listing was 1,884 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.