POCATELLO Mortgage Rates

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

30 Year Fixed Rate mortgages in Pocatello averaged 5.49% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.06% and one month ago for the week of 2022-04-07, the average rate was 4.71%.

Pocatello's average rate one year ago was 3.18%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Pocatello 30 Year Fixed Rate 2022-05-12 5.49%
Pocatello 30 Year Fixed Rate Refi 2022-05-12 5.09%
Pocatello 15 Year Fixed Rate 2022-05-12 4.67%
Pocatello 15 Year Fixed Rate Refi 2022-05-12 4.36%
Pocatello 30 Year FHA 2022-05-12 5.15%
Pocatello 30 Year FHA Refi 2022-05-12 5.48%
Pocatello 30 Year USDA 2022-05-12 5.18%
Pocatello 30 Year VA 2022-05-12 5.02%
Pocatello 30 Year VA Refi 2022-05-12 4.88%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within POCATELLO, ID.

POCATELLO Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the POCATELLO, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
IDAHO CENTRAL 561 3.11% $5,162
Glacier Bank 184 3.04% $5,143
QUICKEN LOANS, LLC 180 3.06% $5,536
FIRST COLONY MORTGAGE CORPORATION 170 3.02% $5,909
ADVANTAGE PLUS 119 3.15% $4,700
VAN DYK MORTGAGE CORPORATION 84 3.07% $5,328
UNITED WHOLESALE MORTGAGE, LLC 82 2.93% $4,855
Bank of Idaho 79 3.16% $4,490
MOUNTAIN AMERICA 73 3.06% $5,132
IDAHO STATE UNIVERSITY 56 3.07% $9,298
AMERICAN PACIFIC MORTGAGE CORPORATION 54 3.25% $5,889
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 43 3.09% $6,906
CANOPY MORTGAGE, LLC 42 3.07% $5,571
GUILD MORTGAGE COMPANY 37 3.11% $5,619
CONNECTIONS 30 2.76% $4,424
SUMMIT FUNDING, INC. 29 3.26% $7,937
KeyBank 28 3.35% $4,387
LOANDEPOT.COM, LLC 27 3.10% $5,215
Wells Fargo Bank 22 3.21% $3,636
D. L. Evans Bank 21 2.92% $5,275
WESTMARK Credit Union 21 2.95% $6,219
AMERISAVE MORTGAGE CORPORATION 21 3.08% $4,962
U.S. Bank 20 3.10% $4,561
BETTER MORTGAGE CORPORATION 18 2.97% $4,189
FINANCE OF AMERICA MORTGAGE LLC 14 3.11% $5,059
Flagstar Bank, FSB 14 3.15% $5,146
CALIBER HOME LOANS, INC. 12 3.24% $4,195
LOANPAL, LLC 12 3.09% $7,415
ACADEMY MORTGAGE CORPORATION 12 3.30% $6,311
Eagle Bank and Trust Company 12 2.89% $5,078
PENNYMAC LOAN SERVICES, LLC 12 3.07% $5,064
BROKER SOLUTIONS, INC. 11 3.06% $5,808
AMERICAN FINANCING CORPORATION 11 3.14% $5,566
HOME POINT FINANCIAL CORPORATION 11 3.12% $5,330
MANN FINANCIAL INC. 9 3.28% $6,567
SECURITYNATIONAL MORTGAGE COMPANY 9 3.25% $4,118
PRIMELENDING, A PLAINSCAPITAL COMPANY 9 3.46% $4,814
PREMIER MORTGAGE RESOURCES, L.L.C. 9 3.33% $6,454
Mr. Cooper ( Nationstar Mortgage ) 9 3.22% $6,282
Zions Bancorporation, N.A. 8 2.84% $2,700
NAVY FEDERAL CREDIT UNION 7 3.75% $4,721
INTERCAP LENDING INC. 6 3.31% $4,687
Washington Federal Bank 6 3.13% $4,126
FREEDOM MORTGAGE CORPORATION 6 3.17% $4,046
JPMorgan Chase Bank 5 3.00% $3,002
EAST IDAHO Credit Union 5 3.20% $5,290
NBKC BANK 5 3.00% $2,762
CMG MORTGAGE, INC. 4 3.13% $7,954
Bank of Utah 4 3.41% $4,343
GENEVA FINANCIAL, LLC 4 3.41% $4,655
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.34% $3,576
NEWREZ LLC 4 3.15% $4,145
PACIFIC RESIDENTIAL MORTGAGE, LLC 4 3.41% $6,666
S1L, Inc. 4 3.03% $5,487
Paramount Residential Mortgage Group, Inc. 3 3.63% $4,781
AMERICAN INTERNET MORTGAGE, INC. 3 3.00% $4,707
Gateway First Bank 3 3.17% $2,921
Strong Home Mortgage, LLC 3 3.00% $2,434
Wyndham Capital Mortgage, Inc. 3 3.38% $4,410
BEEHIVE 3 2.50% $2,579
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 3.63% $5,274
CROSSCOUNTRY MORTGAGE, LLC 3 3.29% $4,194
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.83% $5,356
AMERICA FIRST 3 3.04% $4,925
STEARNS LENDING, LLC 3 3.66% $4,580
Utah Mortgage Loan Corporation 2 3.25% $4,573
VERITAS FUNDING, LLC 2 3.19% $4,205
KELLER MORTGAGE, LLC 2 2.81% $2,871
PHH Mortgage Corporation 2 3.75% $5,359
Citadel Servicing Corporation 2 5.31% $9,135
RANLIFE, INC. 2 3.44% $6,046
FirstBank 2 2.75% $4,719
Boeing Employees Credit Union 2 2.75% $3,062
NBH Bank 2 2.88% $7,486
SIRVA MORTGAGE, INC. 2 2.94% $1,237
SOFI LENDING CORP. 2 2.88% $4,171
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.88% $7,753
EMBRACE HOME LOANS, INC. 2 3.44% $4,995
HOMESTEAD FUNDING CORP. 2 2.81% $5,173
Northwest Farm Credit Services, FLCA 2 3.45% $6,422
Umpqua Bank 2 3.31% $4,290
Mortgage Research Center, LLC 2 2.81% $9,444
NORTHROP GRUMMAN Federal Credit Union 1 3.25% $5,640
NuVision Federal Credit Union 1 3.00% $2,402
ZILLOW HOME LOANS, LLC 1 4.13% $7,575
BELEM SERVICING LLC 1 3.13% $7,971
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.63% $10,789
BAY EQUITY LLC 1 2.63% $3,598
Bank of England 1 3.00% $3,406
Ally Bank 1 3.25% $3,562
SECURITY HOME MORTGAGE, LLC. 1 3.13% $4,659
Axos Bank 1 2.99% $3,597
SOVEREIGN LENDING GROUP INCORPORATED 1 3.13% $11,407
Stifel Bank and Trust 1 2.88% $3,142
AXIA FINANCIAL, LLC 1 4.00% $5,075
Summit Mortgage Corporation 1 3.49% $7,046
The Union Bank Company 1 2.88% $3,401
Arvest Bank 1 3.00% $2,838
American State Bank 1 3.00% $6,948
Utah Power 1 2.63% $5,807
AMERICAN FINANCIAL RESOURCES, INC. 1 4.13% $5,668
Waterstone Mortgage Corporation 1 3.38% $5,676
AMERICAN FINANCIAL NETWORK, INC. 1 3.25% $8,156
First Guaranty Mortgage Corporation 1 3.25% $3,704
First Home Bank 1 2.75% $6,864
First Horizon Bank 1 2.50% $2,983
FIRST TECHNOLOGY 1 2.50% $3,204
First Federal Savings Bank of Twin Falls 1 2.75% $4,435
GOLDENWEST 1 2.75% $6,593
GoPrime Mortgage, Inc. 1 3.25% $3,974
Greenbox Loans, Inc. 1 6.38% $10,258
GUARANTEED RATE, INC. 1 3.00% $3,679
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 2.63% $6,271
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 2.63% $2,342
Discover Bank 1 4.15% $0
HOMESIDE FINANCIAL, LLC 1 3.13% $3,090
HOMEXPRESS MORTGAGE CORP. 1 3.50% $9,500
Deseret First Credit Union 1 2.88% $3,836
IMPAC MORTGAGE CORP. 1 3.13% $1,351
CORNERSTONE HOME LENDING, INC. 1 3.63% $4,932
Commerce Home Mortgage, Inc. 1 3.00% $8,844
J. VIRGIL, INC. 1 2.88% $7,626
CITYWIDE HOME LOANS, LLC 1 2.88% $3,577
LENDERFI, INC. 1 2.75% $1,787
Carrington Mortgage Services, LLC 1 3.00% $4,643
Manufacturers and Traders Trust Company 1 3.13% $3,043
MORTGAGE CAPITAL PARTNERS, INC. 1 3.25% $4,260
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 3.88% $5,196
CAPITAL EDUCATORS FEDERAL CREDIT UNION 1 2.88% $6,166
MOVEMENT MORTGAGE, LLC 1 3.31% $5,721
Cache Valley Bank 1 2.88% $4,941
Willamette Valley Bank 1 3.63% $12,862
BNC National Bank 1 2.75% $3,746
North American Savings Bank, F.S.B. 1 3.13% $2,672
Northpointe Bank 1 3.25% $4,478

POCATELLO, ID's 135 lenders originated 5,477 loans during 2021. The total origination value was $1,126,785,000, with an average loan value of $205,730.

The top POCATELLO lender as defined by loan originations is IDAHO CENTRAL, with 561 loans originated. Their average total fees are $5,162, which is $19 higher than the next largest lender, Glacier Bank.

The lowest fee POCATELLO lenders (with over 10 loans originated) are Wells Fargo Bank ($3,636), BETTER MORTGAGE CORPORATION ($4,189), CALIBER HOME LOANS, INC. ($4,195), KeyBank ($4,387) and CONNECTIONS ($4,424).

The lowest rate POCATELLO lenders (with over 10 loans originated) are CONNECTIONS (2.76%), Eagle Bank and Trust Company (2.89%), D. L. Evans Bank (2.92%), UNITED WHOLESALE MORTGAGE, LLC (2.93%) and WESTMARK Credit Union (2.95%).

POCATELLO, ID Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
IDAHO CENTRAL $234,215,000 $251,015,000 7.2% 22.3%
Glacier Bank $95,225,000 $86,460,000 -9.2% 7.7%
QUICKEN LOANS, LLC $60,810,000 $69,150,000 13.7% 6.1%
FIRST COLONY MORTGAGE CORPORATION $55,420,000 $64,145,000 15.7% 5.7%
MOUNTAIN AMERICA $19,590,000 $45,075,000 130.1% 4.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $37,180,000 $42,390,000 14.0% 3.8%
UNITED WHOLESALE MORTGAGE, LLC $21,110,000 $40,410,000 91.4% 3.6%
ADVANTAGE PLUS $46,900,000 $38,815,000 -17.2% 3.4%
VAN DYK MORTGAGE CORPORATION $28,700,000 $35,510,000 23.7% 3.2%
Bank of Idaho $31,735,000 $24,910,000 -21.5% 2.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $12,200,000 $20,515,000 68.2% 1.8%
IDAHO STATE UNIVERSITY $26,030,000 $20,440,000 -21.5% 1.8%
SUMMIT FUNDING, INC. $11,895,000 $19,915,000 67.4% 1.8%
Zions Bancorporation, N.A. $9,110,000 $17,645,000 93.7% 1.6%
CONNECTIONS $10,900,000 $16,895,000 55.0% 1.5%
FREEDOM MORTGAGE CORPORATION $23,145,000 $16,545,000 -28.5% 1.5%
CANOPY MORTGAGE, LLC $6,115,000 $13,455,000 120.0% 1.2%
GUILD MORTGAGE COMPANY $11,605,000 $13,170,000 13.5% 1.2%
KeyBank $5,180,000 $12,460,000 140.5% 1.1%
LOANDEPOT.COM, LLC $6,705,000 $12,085,000 80.2% 1.1%
D. L. Evans Bank $13,755,000 $11,445,000 -16.8% 1.0%
WESTMARK Credit Union $10,240,000 $10,170,000 -0.7% 0.9%
U.S. Bank $10,150,000 $10,060,000 -0.9% 0.9%
The Bank of Commerce $5,305,000 $8,565,000 61.5% 0.8%
PENNYMAC LOAN SERVICES, LLC $3,075,000 $7,220,000 134.8% 0.6%
BETTER MORTGAGE CORPORATION $715,000 $6,915,000 867.1% 0.6%
CALIBER HOME LOANS, INC. $6,280,000 $6,905,000 10.0% 0.6%
Wells Fargo Bank $5,330,000 $6,710,000 25.9% 0.6%
Mortgage Research Center, LLC $5,665,000 $6,125,000 8.1% 0.5%
AMERISAVE MORTGAGE CORPORATION $2,020,000 $5,970,000 195.5% 0.5%
First Interstate Bank $105,000 $5,755,000 5,381.0% 0.5%
ACADEMY MORTGAGE CORPORATION $4,225,000 $5,560,000 31.6% 0.5%
BROKER SOLUTIONS, INC. $1,425,000 $5,030,000 253.0% 0.4%
AMERICAN FINANCING CORPORATION $1,695,000 $4,905,000 189.4% 0.4%
HOME POINT FINANCIAL CORPORATION $1,980,000 $4,830,000 143.9% 0.4%
Eagle Bank and Trust Company $3,960,000 $4,625,000 16.8% 0.4%
FINANCE OF AMERICA MORTGAGE LLC $1,360,000 $4,415,000 224.6% 0.4%
MANN FINANCIAL INC. $1,165,000 $4,265,000 266.1% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $6,010,000 $4,210,000 -30.0% 0.4%
Rails West Federal Credit Union $1,600,000 $4,110,000 156.9% 0.4%
NEWREZ LLC $1,210,000 $4,085,000 237.6% 0.4%
NEW DAY FINANCIAL, LLC $2,990,000 $3,965,000 32.6% 0.4%
Regions Bank $3,505,000 n/a 0.3%
LAKEVIEW LOAN SERVICING, LLC $2,265,000 $3,455,000 52.5% 0.3%
LOANPAL, LLC $6,345,000 $3,415,000 -46.2% 0.3%
NAVY FEDERAL CREDIT UNION $2,050,000 $3,395,000 65.6% 0.3%
Flagstar Bank, FSB $2,425,000 $3,195,000 31.8% 0.3%
Arbor Realty Trust, Inc. $3,085,000 n/a 0.3%
INTERCAP LENDING INC. $1,610,000 $2,970,000 84.5% 0.3%
PREMIER MORTGAGE RESOURCES, L.L.C. $1,675,000 $2,765,000 65.1% 0.2%
EAST IDAHO Credit Union $2,675,000 n/a 0.2%
JPMorgan Chase Bank $1,430,000 $2,645,000 85.0% 0.2%
WALKER & DUNLOP, LLC $8,955,000 $2,465,000 -72.5% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $2,515,000 $2,430,000 -3.4% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $780,000 $2,265,000 190.4% 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $1,045,000 $2,145,000 105.3% 0.2%
Washington Federal Bank $4,815,000 $2,145,000 -55.5% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $585,000 $2,140,000 265.8% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,190,000 $2,000,000 -8.7% 0.2%
Bank of Utah $640,000 $1,930,000 201.6% 0.2%
CLEARPATH LENDING $2,430,000 $1,930,000 -20.6% 0.2%
AMERICA FIRST $1,415,000 $1,860,000 31.4% 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $690,000 $1,800,000 160.9% 0.2%
Gateway First Bank $3,040,000 $1,750,000 -42.4% 0.2%
Paramount Residential Mortgage Group, Inc. $1,625,000 n/a 0.1%
The Federal Savings Bank $1,625,000 n/a 0.1%
USAA Federal Savings Bank $2,460,000 $1,595,000 -35.2% 0.1%
First Federal Savings Bank of Twin Falls $125,000 $1,565,000 1,152.0% 0.1%
S1L, Inc. $705,000 $1,565,000 122.0% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $780,000 $1,560,000 100.0% 0.1%
CBRE MULTIFAMILY CAPITAL, INC. $1,555,000 n/a 0.1%
GENEVA FINANCIAL, LLC $660,000 $1,490,000 125.8% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $125,000 $1,400,000 1,020.0% 0.1%
BEEHIVE $1,135,000 $1,385,000 22.0% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $1,155,000 $1,345,000 16.5% 0.1%
Umpqua Bank $495,000 $1,310,000 164.6% 0.1%
Wyndham Capital Mortgage, Inc. $1,260,000 n/a 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,245,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $1,505,000 $1,240,000 -17.6% 0.1%
NBKC BANK $1,505,000 $1,205,000 -19.9% 0.1%
GUARANTEED RATE, INC. $560,000 $1,170,000 108.9% 0.1%
First Guaranty Mortgage Corporation $640,000 $1,155,000 80.5% 0.1%
CMG MORTGAGE, INC. $1,225,000 $1,140,000 -6.9% 0.1%
Strong Home Mortgage, LLC $630,000 $1,110,000 76.2% 0.1%
STEARNS LENDING, LLC $260,000 $1,100,000 323.1% 0.1%
EMBRACE HOME LOANS, INC. $320,000 $1,070,000 234.4% 0.1%
Barrington Bank & Trust Company, N.A. $1,080,000 $1,030,000 -4.6% 0.1%
AMERICAN ADVISORS GROUP $635,000 $1,005,000 58.3% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $355,000 $1,005,000 183.1% 0.1%
Bank of the West $810,000 $965,000 19.1% 0.1%
North American Savings Bank, F.S.B. $960,000 $950,000 -1.0% 0.1%
FINANCE OF AMERICA REVERSE LLC $125,000 $945,000 656.0% 0.1%
RANLIFE, INC. $255,000 $945,000 270.6% 0.1%
Northwest Farm Credit Services, FLCA $930,000 n/a 0.1%
VERITAS FUNDING, LLC $310,000 $890,000 187.1% 0.1%
First Home Bank $850,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $825,000 n/a 0.1%
Nations Lending Corporation $600,000 $800,000 33.3% 0.1%
HOMESTEAD FUNDING CORP. $785,000 n/a 0.1%
FirstBank $770,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $745,000 $755,000 1.3% 0.1%
Carrington Mortgage Services, LLC $1,175,000 $745,000 -36.6% 0.1%
Cache Valley Bank $155,000 $735,000 374.2% 0.1%
MOVEMENT MORTGAGE, LLC $1,335,000 $725,000 -45.7% 0.1%
Willamette Valley Bank $450,000 $725,000 61.1% 0.1%
MID AMERICA MORTGAGE, INC. $2,195,000 $700,000 -68.1% 0.1%
CASTLE & COOKE MORTGAGE, LLC $400,000 $645,000 61.3% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $800,000 $645,000 -19.4% 0.1%
First Federal Bank $640,000 n/a 0.1%
Axos Bank $845,000 $635,000 -24.9% 0.1%
NBH Bank $635,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $815,000 $630,000 -22.7% 0.1%
Waterstone Mortgage Corporation $160,000 $605,000 278.1% 0.1%
PLANET HOME LENDING, LLC $400,000 $595,000 48.8% 0.1%
SIRVA MORTGAGE, INC. $875,000 $590,000 -32.6% 0.1%
Independent Bank $550,000 n/a 0.0%
American State Bank $545,000 n/a 0.0%
BOKF $495,000 $545,000 10.1% 0.0%
PHH Mortgage Corporation $795,000 $545,000 -31.4% 0.0%
SECURITY HOME MORTGAGE, LLC. $705,000 $545,000 -22.7% 0.0%
GOLDENWEST $235,000 $540,000 129.8% 0.0%
BELEM SERVICING LLC $235,000 $520,000 121.3% 0.0%
Utah Mortgage Loan Corporation $485,000 n/a 0.0%
J. VIRGIL, INC. $465,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $510,000 $455,000 -10.8% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $450,000 n/a 0.0%
VISION ONE MORTGAGE, INC. $275,000 $450,000 63.6% 0.0%
ZILLOW HOME LOANS, LLC $75,000 $450,000 500.0% 0.0%
HOMEXPRESS MORTGAGE CORP. $605,000 $440,000 -27.3% 0.0%
KELLER MORTGAGE, LLC $595,000 $410,000 -31.1% 0.0%
Summit Mortgage Corporation $135,000 $410,000 203.7% 0.0%
Discover Bank $300,000 $405,000 35.0% 0.0%
CENTENNIAL LENDING, LLC $225,000 $400,000 77.8% 0.0%
Ally Bank $390,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $375,000 n/a 0.0%
TIAA, FSB $315,000 $375,000 19.0% 0.0%
CIVIC FINANCIAL SERVICES, LLC $370,000 n/a 0.0%
OPEN MORTGAGE, LLC $370,000 n/a 0.0%
Magnolia Bank $640,000 $365,000 -43.0% 0.0%
NORTHROP GRUMMAN Federal Credit Union $365,000 n/a 0.0%
Citadel Servicing Corporation $360,000 n/a 0.0%
AXIA FINANCIAL, LLC $510,000 $355,000 -30.4% 0.0%
Boeing Employees Credit Union $350,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $350,000 $335,000 -4.3% 0.0%
Deseret First Credit Union $330,000 $330,000 0.0% 0.0%
HOMESIDE FINANCIAL, LLC $330,000 n/a 0.0%
BNC National Bank $325,000 n/a 0.0%
LENDERFI, INC. $610,000 $305,000 -50.0% 0.0%
Utah Power $305,000 n/a 0.0%
Amerifirst Financial, Inc. $285,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $280,000 n/a 0.0%
First Mortgage Solutions, LLC $265,000 n/a 0.0%
The Union Bank Company $265,000 n/a 0.0%
MORTGAGE CAPITAL PARTNERS, INC. $255,000 n/a 0.0%
Low VA Rates, LLC $675,000 $250,000 -63.0% 0.0%
ALL WESTERN MORTGAGE, INC. $245,000 n/a 0.0%
CAPITAL EDUCATORS FEDERAL CREDIT UNION $245,000 n/a 0.0%
Commerce Home Mortgage, Inc. $500,000 $245,000 -51.0% 0.0%
LONGBRIDGE FINANCIAL, LLC $145,000 $245,000 69.0% 0.0%
Northpointe Bank $245,000 n/a 0.0%
SOFI LENDING CORP. $125,000 $240,000 92.0% 0.0%
IMPAC MORTGAGE CORP. $235,000 n/a 0.0%
Plains Commerce Bank $225,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $215,000 n/a 0.0%
First Horizon Bank $215,000 n/a 0.0%
21ST MORTGAGE CORPORATION $210,000 n/a 0.0%
Alaska USA Federal Credit Union $370,000 $210,000 -43.2% 0.0%
BAY EQUITY LLC $385,000 $205,000 -46.8% 0.0%
GoPrime Mortgage, Inc. $205,000 n/a 0.0%
Greenbox Loans, Inc. $195,000 $205,000 5.1% 0.0%
GUARANTEED RATE AFFINITY, LLC $205,000 n/a 0.0%
NuVision Federal Credit Union $185,000 n/a 0.0%
Stifel Bank and Trust $730,000 $185,000 -74.7% 0.0%
Manufacturers and Traders Trust Company $125,000 $180,000 44.0% 0.0%
Figure Lending LLC $170,000 n/a 0.0%
FIRST TECHNOLOGY $185,000 $170,000 -8.1% 0.0%
AmeriHome Mortgage Company, LLC $165,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $165,000 n/a 0.0%
Arvest Bank $155,000 n/a 0.0%
Armed Forces Bank $145,000 n/a 0.0%
Bank of England $655,000 $145,000 -77.9% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $135,000 n/a 0.0%
Truist Bank $215,000 $105,000 -51.2% 0.0%
CITYWIDE HOME LOANS, LLC $555,000 $85,000 -84.7% 0.0%
REVERSE MORTGAGE FUNDING LLC $85,000 n/a 0.0%
Bank of America $500,000 $75,000 -85.0% 0.0%

POCATELLO's top lender by overall market share is IDAHO CENTRAL, with 22.3% market share. In second place, with 7.7%, is Glacier Bank, having originated $86,460,000 in loans. In third place, with 6.1%, is QUICKEN LOANS, LLC, having originated $69,150,000 in loans. In third place, with 5.7%, is FIRST COLONY MORTGAGE CORPORATION, having originated $64,145,000 in loans. In third place, with 4.0%, is MOUNTAIN AMERICA, having originated $45,075,000 in loans.


POCATELLO, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,844 $466,730,000 $253,107
Cash Out Refi 1,631 $304,035,000 $186,410
Refi 1,511 $301,625,000 $199,619
Home Improvement 385 $35,735,000 $92,818
Other 105 $17,405,000 $165,762
NA 1 $1,255,000 $1,255,000

Pocatello's most frequently cited loan purpose was Home Purchase, with 1,844 originations. The 2nd most popular reason was Cash Out Refi, with 1,631 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,157 $484,295,000 $224,522
3-4% 1,756 $366,160,000 $208,519
<2.5% 978 $203,590,000 $208,170
4-5% 397 $48,185,000 $121,373
5-6% 98 $10,060,000 $102,653
6-7% 55 $3,535,000 $64,273
7-8% 9 $585,000 $65,000
Over 8% 9 $305,000 $33,889

During 2021, Pocatello's most frequently originated rate bucket was 2.5-3%, with 2,157 originations.

Loan Sizing (POCATELLO, ID MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,189 $328,315,000 $149,984
$200k-400k 2,006 $545,000,000 $271,685
$100,000 or less 955 $54,995,000 $57,586
$400k-600k 264 $124,260,000 $470,682
$600k-1000k 48 $35,340,000 $736,250
$Over $1MM 15 $38,875,000 $2,591,667

POCATELLO's loan sizing saw the bucket of loans from $100k-200k with 2,189 originations, totaling $328,315,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,865 $437,375,000 $234,517
80-100% 1,453 $380,045,000 $261,559
40-60% 1,029 $189,795,000 $184,446
20-40% 563 $56,005,000 $99,476
Under 20% 400 $18,650,000 $46,625
Over 100% 38 $12,750,000 $335,526

POCATELLO's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,865 originations, totaling $437,375,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - POCATELLO (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 $182,450 (19.7%) $243,957 (23.2%) 0.00 192
2018-02-01 $196,750 (27.0%) $251,565 (24.1%) 0.00 171
2018-03-01 $213,000 (37.4%) $263,047 (28.9%) 0.00 180
2018-04-01 $222,450 (43.6%) $262,617 (24.8%) 0.00 188
2018-05-01 $224,500 (30.2%) $263,007 (15.7%) 0.00 234
2018-06-01 $205,000 (15.9%) $245,593 (7.9%) 0.00 303
2018-07-01 $199,000 (17.8%) $238,045 (8.1%) 0.00 326
2018-08-01 $207,900 (24.9%) $255,559 (15.5%) 0.00 298
2018-09-01 $214,900 (28.8%) $251,913 (11.2%) 0.00 277
2018-10-01 $216,950 (24.0%) $251,432 (9.0%) 0.00 263
2018-11-01 $217,450 (24.3%) $263,049 (12.5%) 0.00 262
2018-12-01 $215,000 (16.3%) $262,054 (5.2%) 0.00 245
2019-01-01 $213,250 (16.9%) $263,476 (8.0%) 0.00 207
2019-02-01 $233,400 (18.6%) $275,521 (9.5%) 0.00 207
2019-03-01 $246,329 (15.7%) $278,639 (5.9%) 0.00 195
2019-04-01 $254,900 (14.6%) $275,574 (4.9%) 0.00 174
2019-05-01 $253,450 (12.9%) $280,968 (6.8%) 0.00 176
2019-06-01 $249,000 (21.5%) $300,065 (22.2%) 0.00 228
2019-07-01 $264,500 (32.9%) $322,277 (35.4%) 0.00 277
2019-08-01 $266,657 (28.3%) $329,531 (29.0%) 0.00 289
2019-09-01 $266,707 (24.1%) $334,962 (33.0%) 0.00 284
2019-10-01 $263,250 (21.3%) $332,191 (32.1%) 0.00 311
2019-11-01 $272,500 (25.3%) $333,310 (26.7%) 0.00 307
2019-12-01 $269,000 (25.1%) $332,857 (27.0%) 0.00 286
2020-01-01 $265,000 (24.3%) $331,093 (25.7%) 0.00 232
2020-02-01 $265,500 (13.8%) $346,235 (25.7%) 0.00 196
2020-03-01 $282,900 (14.9%) $353,512 (26.9%) 0.00 209
2020-04-01 $289,900 (13.7%) $346,137 (25.6%) 0.00 229
2020-05-01 $289,900 (14.4%) $349,704 (24.5%) 0.00 231
2020-06-01 $314,900 (26.5%) $371,524 (23.8%) 0.00 221
2020-07-01 $309,400 (17.0%) $389,129 (20.7%) 0.00 226
2020-08-01 $290,000 (8.8%) $399,185 (21.1%) 0.00 197
2020-09-01 $265,200 (-0.6%) $376,179 (12.3%) 0.00 171
2020-10-01 $240,000 (-8.8%) $393,478 (18.5%) 0.00 146
2020-11-01 $247,400 (-9.2%) $420,789 (26.3%) 0.00 115
2020-12-01 $239,900 (-10.8%) $408,661 (22.8%) 0.00 124
2021-01-01 $239,900 (-9.5%) $406,889 (22.9%) 0.00 100
2021-02-01 $307,400 (15.8%) $499,180 (44.2%) 0.00 86
2021-03-01 $339,925 (20.2%) $557,963 (57.8%) 0.00 70
2021-04-01 $332,000 (14.5%) $479,340 (38.5%) 0.00 86
2021-05-01 $300,000 (3.5%) $439,175 (25.6%) 0.00 100
2021-06-01 $389,500 (23.7%) $519,001 (39.7%) 0.00 120
2021-07-01 $359,900 (16.3%) $506,362 (30.1%) 0.00 171
2021-08-01 $392,450 (35.3%) $513,923 (28.7%) 0.00 194
2021-09-01 $400,000 (50.8%) $486,627 (29.4%) 0.00 216
2021-10-01 $400,000 (66.7%) $482,939 (22.7%) 0.00 205
2021-11-01 $372,500 (50.6%) $447,233 (6.3%) 0.00 204
2021-12-01 $359,950 (50.0%) $452,287 (10.7%) 0.00 163
2022-01-01 $364,900 (52.1%) $435,877 (7.1%) 0.00 95
2022-02-01 $400,000 (30.1%) $500,672 (0.3%) 0.00 70
2022-03-01 $429,900 (26.5%) $550,725 (-1.3%) 0.00 74
2022-04-01 $429,900 (29.5%) $521,963 (8.9%) 0.00 102
POCATELLO's median listing price for 2022-04-01 was $429,900, a difference of $97,900 (29.5%) versus the prior year and $0 versus the prior month.

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

POCATELLO's average listing price for 2022-04-01 was $521,963, a difference of $42,623 (8.9%) versus the prior year and $-28,762 versus the prior month.

For the 2022-04-01 period, POCATELLO had 102 MLS listings, a difference of 28 listings (38%) versus the prior month and 16 listings (19%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - POCATELLO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,367 sqft
2018-02-01 0 days 2,387 sqft
2018-03-01 0 days 2,326 sqft
2018-04-01 0 days 2,296 sqft
2018-05-01 0 days 2,391 sqft
2018-06-01 0 days 2,248 sqft
2018-07-01 0 days 2,199 sqft
2018-08-01 0 days 2,352 sqft
2018-09-01 0 days 2,312 sqft
2018-10-01 0 days 2,393 sqft
2018-11-01 0 days 2,484 sqft
2018-12-01 0 days 2,513 sqft
2019-01-01 0 days 2,312 sqft
2019-02-01 0 days 2,482 sqft
2019-03-01 0 days 2,647 sqft
2019-04-01 0 days 2,589 sqft
2019-05-01 0 days 2,641 sqft
2019-06-01 0 days 2,513 sqft
2019-07-01 0 days 2,568 sqft
2019-08-01 0 days 2,475 sqft
2019-09-01 0 days 2,478 sqft
2019-10-01 0 days 2,450 sqft
2019-11-01 0 days 2,455 sqft
2019-12-01 0 days 2,459 sqft
2020-01-01 0 days 2,463 sqft
2020-02-01 0 days 2,460 sqft
2020-03-01 0 days 2,556 sqft
2020-04-01 0 days 2,538 sqft
2020-05-01 0 days 2,578 sqft
2020-06-01 0 days 2,733 sqft
2020-07-01 0 days 2,648 sqft
2020-08-01 0 days 2,372 sqft
2020-09-01 0 days 2,262 sqft
2020-10-01 0 days 2,120 sqft
2020-11-01 0 days 2,184 sqft
2020-12-01 0 days 2,056 sqft
2021-01-01 0 days 2,174 sqft
2021-02-01 0 days 2,460 sqft
2021-03-01 0 days 2,678 sqft
2021-04-01 0 days 2,471 sqft
2021-05-01 0 days 2,211 sqft
2021-06-01 0 days 2,278 sqft
2021-07-01 0 days 2,376 sqft
2021-08-01 0 days 2,646 sqft
2021-09-01 0 days 2,613 sqft
2021-10-01 0 days 2,540 sqft
2021-11-01 0 days 2,421 sqft
2021-12-01 0 days 2,582 sqft
2022-01-01 0 days 2,341 sqft
2022-02-01 0 days 2,579 sqft
2022-03-01 0 days 2,612 sqft
2022-04-01 0 days 2,624 sqft
POCATELLO's median listing age (time on market) for 2022-04-01 was 0 days.

POCATELLO's median square footage for active listings during the 2022-04-01 period was 2,624 sqft. One year prior, the average listing was 2,471 sqft.