Sandpoint Mortgage Rates

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

30 Year Fixed Rate mortgages in Sandpoint averaged 5.76% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.87% and one month ago for the week of 2022-05-26, the average rate was 5.46%.

Sandpoint's average rate one year ago was 3.46%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.9%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Sandpoint 30 Year Fixed Rate 2022-06-30 5.76%
Sandpoint 30 Year Fixed Rate Refi 2022-06-30 5.9%
Sandpoint 15 Year Fixed Rate 2022-06-30 5.28%
Sandpoint 15 Year Fixed Rate Refi 2022-06-30 5.08%
Sandpoint 30 Year FHA 2022-06-30 6.02%
Sandpoint 30 Year FHA Refi 2022-06-30 5.47%
Sandpoint 30 Year USDA 2022-06-30 5.91%
Sandpoint 30 Year USDA Refi 2022-06-30 5.35%
Sandpoint 30 Year VA 2022-06-30 5.42%
Sandpoint 30 Year VA Refi 2022-06-30 5.31%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sandpoint, ID.

Sandpoint 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 Sandpoint, 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
Glacier Bank 213 3.14% $9,465
QUICKEN LOANS, LLC 159 3.00% $6,119
Willamette Valley Bank 131 3.19% $5,233
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 114 3.29% $6,839
GUARANTEED RATE, INC. 75 3.01% $5,717
AMERICAN PACIFIC MORTGAGE CORPORATION 74 3.21% $5,604
Wells Fargo Bank 69 3.08% $3,950
SPOKANE TEACHERS 63 3.02% $6,401
CALIBER HOME LOANS, INC. 56 3.18% $4,849
PRIMELENDING, A PLAINSCAPITAL COMPANY 54 3.21% $6,635
UNITED WHOLESALE MORTGAGE, LLC 51 3.02% $6,530
IDAHO CENTRAL 50 3.09% $6,662
Potlatch No. 1 Financial Credit Union 38 3.33% $4,684
U.S. Bank 38 3.14% $5,166
Washington Trust Bank 37 3.09% $5,891
LOANDEPOT.COM, LLC 34 2.94% $5,702
Platinum Home Mortgage Corporation 29 3.25% $7,704
NUMERICA CREDIT UNION 28 3.20% $11,903
AMERISAVE MORTGAGE CORPORATION 27 2.79% $6,245
Columbia State Bank 21 3.18% $5,063
HORIZON 21 3.56% $5,887
PENNYMAC LOAN SERVICES, LLC 20 2.98% $5,052
BETTER MORTGAGE CORPORATION 19 2.97% $3,784
PREMIER MORTGAGE RESOURCES, L.L.C. 19 3.50% $7,435
Umpqua Bank 18 2.99% $5,946
Flagstar Bank, FSB 17 3.15% $6,904
GUILD MORTGAGE COMPANY 15 3.23% $5,930
GLOBAL 15 3.08% $4,755
JPMorgan Chase Bank 15 2.98% $4,112
ACADEMY MORTGAGE CORPORATION 14 3.22% $7,890
First Interstate Bank 14 3.29% $7,175
BROKER SOLUTIONS, INC. 14 2.96% $5,141
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 2.99% $7,012
Banner Bank 11 3.06% $6,946
FINANCE OF AMERICA MORTGAGE LLC 10 2.90% $4,766
Sunflower Bank 10 3.06% $6,293
NEWREZ LLC 9 3.12% $5,325
MANN FINANCIAL INC. 9 3.04% $7,948
KeyBank 9 3.08% $4,944
Truist Bank 7 3.06% $11,353
HOMESIDE FINANCIAL, LLC 7 2.85% $9,172
Wallick & Volk, Inc. 7 3.07% $9,281
AMERICAN FINANCING CORPORATION 7 3.04% $7,052
MUTUAL OF OMAHA MORTGAGE, INC. 7 3.16% $5,554
Mr. Cooper ( Nationstar Mortgage ) 7 3.16% $6,994
HOMEBRIDGE FINANCIAL SERVICES, INC. 7 3.21% $6,322
KELLER MORTGAGE, LLC 6 2.92% $4,074
Quontic Bank 6 5.96% $11,779
STEARNS LENDING, LLC 6 3.00% $4,376
GESA 6 3.00% $9,642
Northpointe Bank 6 3.08% $5,785
CELEBRITY HOME LOANS, LLC 6 3.25% $7,736
Bank of America 5 2.63% $4,000
Northwest Farm Credit Services, FLCA 5 3.36% $8,428
NAVY FEDERAL CREDIT UNION 5 3.10% $5,008
CHERRY CREEK MORTGAGE, LLC 5 2.78% $2,364
SUMMIT FUNDING, INC. 5 3.25% $8,501
HOME POINT FINANCIAL CORPORATION 5 3.10% $6,743
Citibank 4 2.91% $5,103
First Guaranty Mortgage Corporation 4 3.25% $3,588
Washington Federal Bank 4 3.13% $8,699
Strong Home Mortgage, LLC 4 3.00% $2,925
CROSSCOUNTRY MORTGAGE, LLC 4 3.50% $8,488
HomeStreet Bank 4 3.00% $5,669
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 4 2.93% $4,475
Paramount Residential Mortgage Group, Inc. 4 3.28% $6,309
FirstBank 4 2.87% $3,536
North American Savings Bank, F.S.B. 4 2.88% $2,902
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 3.38% $5,668
CHURCHILL MORTGAGE CORPORATION 3 3.38% $6,305
Ally Bank 3 2.66% $7,654
WASHINGTON STATE EMPLOYEES Credit Union 3 3.38% $3,142
Evolve Bank & Trust 3 3.21% $2,310
Arvest Bank 3 3.21% $5,650
Boeing Employees Credit Union 3 3.00% $3,325
GENEVA FINANCIAL, LLC 3 3.29% $6,007
AMERICAN FINANCIAL NETWORK, INC. 3 3.17% $8,498
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.88% $3,236
CORNERSTONE HOME LENDING, INC. 2 3.25% $5,712
ENVOY MORTGAGE, LTD 2 3.00% $5,382
First Mortgage Solutions, LLC 2 2.69% $7,209
CMG MORTGAGE, INC. 2 2.93% $6,648
LEADERONE FINANCIAL CORPORATION 2 3.31% $11,432
Carrington Mortgage Services, LLC 2 3.06% $4,427
LENDUS, LLC 2 2.88% $4,868
LENOX FINANCIAL MORTGAGE CORPORATION 2 3.06% $2,956
Firefighters First Federal Credit Union 2 2.88% $7,687
LOANLEADERS OF AMERICA, INC. 2 3.06% $8,538
ZILLOW HOME LOANS, LLC 2 2.88% $4,319
Wyndham Capital Mortgage, Inc. 2 2.81% $4,962
First Internet Bank of Indiana 2 2.93% $4,490
Mortgage Research Center, LLC 2 3.31% $4,736
MOVEMENT MORTGAGE, LLC 2 3.22% $4,442
Watermark Capital, Inc. 2 2.63% $2,719
Bank of the West 2 3.13% $5,927
Nations Lending Corporation 2 3.25% $7,394
NATIONS RELIABLE LENDING, LLC 2 3.44% $7,500
NBKC BANK 2 2.81% $4,298
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 3.31% $4,819
AXIA FINANCIAL, LLC 2 3.25% $6,365
AMERICAN INTERNET MORTGAGE, INC. 2 2.69% $4,628
BAY EQUITY LLC 2 3.38% $6,560
VISION ONE MORTGAGE, INC. 2 3.25% $6,681
HOMEXPRESS MORTGAGE CORP. 2 5.69% $10,837
Prime Choice Funding Inc. 2 2.69% $5,240
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.31% $8,534
IMPAC MORTGAGE CORP. 2 2.75% $1,331
InterContinental Capital Group, Inc 2 3.38% $5,482
CANOPY MORTGAGE, LLC 2 3.18% $4,123
Zions Bancorporation, N.A. 1 3.25% $5,989
ADVANCIAL 1 4.13% $7,437
AMCAP MORTGAGE, LTD. 1 2.75% $3,630
America's Credit Union 1 3.38% $7,492
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.38% $3,394
Bank of Idaho 1 2.75% $8,455
BNC National Bank 1 2.88% $5,945
BNY Mellon 1 2.50% $5,654
Cf Bank 1 2.75% $2,618
CITYWIDE HOME LOANS, LLC 1 2.88% $6,604
Cornerstone National Bank & Trust Company 1 2.63% $2,744
CRESCENT MORTGAGE COMPANY 1 3.38% $4,938
DIGNIFIED HOME LOANS, LLC 1 3.00% $5,185
D. L. Evans Bank 1 2.63% $4,292
First Federal Bank of Kansas City 1 3.00% $7,135
First Home Bank 1 3.38% $7,258
First Republic Bank 1 3.15% $7,436
First Western Trust Bank 1 2.99% $3,124
FREEDOM MORTGAGE CORPORATION 1 2.88% $2,776
FUNDLOANS CAPITAL 1 4.50% $34,705
Goldwater Bank, N.A. 1 2.88% $5,773
GSF Mortgage Corporation 1 3.25% $12,718
GUARANTY HOME MORTGAGE CORPORATION 1 3.63% $3,861
Heritage Bank 1 3.25% $10,711
JMAC LENDING, INC. 1 3.25% $7,639
LAKEVIEW LOAN SERVICING, LLC 1 2.99% $3,806
LENDSURE MORTGAGE CORP. 1 3.50% $14,639
MASON MCDUFFIE MORTGAGE CORPORATION 1 2.88% $6,915
Midwest BankCentre 1 2.63% $4,418
Morgan Stanley Private Bank 1 2.40% $4,854
MOUNTAIN AMERICA 1 3.00% $6,753
NATIONS DIRECT MORTGAGE, LLC 1 2.75% $7,587
NP, Inc. 1 3.25% $6,260
OAKTREE FUNDING CORP. 1 3.25% $19,353
Operating Engineers Local Union #3 1 3.00% $4,406
PENTAGON FEDERAL CREDIT UNION 1 2.75% $4,427
RANLIFE, INC. 1 2.88% $4,821
S1L, Inc. 1 2.75% $2,801
Sierra Pacific Mortgage Company, Inc. 1 2.75% $1,925
SOFI LENDING CORP. 1 3.00% $2,742
SOVEREIGN LENDING GROUP INCORPORATED 1 3.13% $5,553
Stifel Bank and Trust 1 2.75% $6,408
The Central Trust Bank 1 2.63% $2,338
The Federal Savings Bank 1 2.75% $15,711
The Union Bank Company 1 2.75% $3,664
THRIVE MORTGAGE, LLC 1 2.75% $5,575
TIAA, FSB 1 3.00% $14,278
UBS Bank USA 1 2.13% $14,127
Unitus Community Credit Union 1 2.88% $2,928
UNIVERSITY CREDIT UNION 1 3.38% $6,836
USAA Federal Savings Bank 1 3.00% $4,218
Wheatland Bank 1 2.75% $6,480

Sandpoint, ID's 161 lenders originated 3,436 loans during 2021. The total origination value was $1,123,220,000, with an average loan value of $326,898.

The top Sandpoint lender as defined by loan originations is Glacier Bank, with 213 loans originated. Their average total fees are $9,465, which is $3,346 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Sandpoint lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION ($3,784), Wells Fargo Bank ($3,950), JPMorgan Chase Bank ($4,112), Potlatch No. 1 Financial Credit Union ($4,684) and GLOBAL ($4,755).

The lowest rate Sandpoint lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.79%), FINANCE OF AMERICA MORTGAGE LLC (2.90%), LOANDEPOT.COM, LLC (2.94%), BROKER SOLUTIONS, INC. (2.96%) and BETTER MORTGAGE CORPORATION (2.97%).

Sandpoint, 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
Glacier Bank $121,050,000 $128,615,000 6.2% 11.5%
QUICKEN LOANS, LLC $53,680,000 $66,945,000 24.7% 6.0%
Willamette Valley Bank $60,455,000 $58,760,000 -2.8% 5.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $47,825,000 $51,870,000 8.5% 4.6%
GUARANTEED RATE, INC. $22,530,000 $40,700,000 80.6% 3.6%
SPOKANE TEACHERS $27,760,000 $35,050,000 26.3% 3.1%
IDAHO CENTRAL $20,330,000 $34,275,000 68.6% 3.1%
Wells Fargo Bank $32,870,000 $33,675,000 2.4% 3.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $28,160,000 $31,740,000 12.7% 2.8%
U.S. Bank $22,080,000 $31,595,000 43.1% 2.8%
Washington Trust Bank $24,175,000 $29,280,000 21.1% 2.6%
CALIBER HOME LOANS, INC. $19,205,000 $28,165,000 46.7% 2.5%
NUMERICA CREDIT UNION $14,380,000 $27,080,000 88.3% 2.4%
UNITED WHOLESALE MORTGAGE, LLC $8,715,000 $26,325,000 202.1% 2.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $23,295,000 $23,405,000 0.5% 2.1%
Potlatch No. 1 Financial Credit Union $16,345,000 $20,475,000 25.3% 1.8%
LOANDEPOT.COM, LLC $12,130,000 $19,700,000 62.4% 1.8%
First Interstate Bank $11,985,000 $18,955,000 58.2% 1.7%
Columbia State Bank $12,310,000 $17,075,000 38.7% 1.5%
Umpqua Bank $11,580,000 $15,165,000 31.0% 1.4%
Banner Bank $10,120,000 $14,990,000 48.1% 1.3%
AMERISAVE MORTGAGE CORPORATION $6,995,000 $12,205,000 74.5% 1.1%
BETTER MORTGAGE CORPORATION $3,440,000 $11,585,000 236.8% 1.0%
PENNYMAC LOAN SERVICES, LLC $8,710,000 $11,565,000 32.8% 1.0%
FREEDOM MORTGAGE CORPORATION $15,230,000 $11,330,000 -25.6% 1.0%
Platinum Home Mortgage Corporation $9,670,000 $11,260,000 16.4% 1.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $9,510,000 $10,865,000 14.2% 1.0%
JPMorgan Chase Bank $10,505,000 $9,825,000 -6.5% 0.9%
ACADEMY MORTGAGE CORPORATION $9,775,000 $9,550,000 -2.3% 0.9%
Flagstar Bank, FSB $9,665,000 $8,855,000 -8.4% 0.8%
Sunflower Bank $2,615,000 $8,665,000 231.4% 0.8%
HORIZON $16,555,000 $8,030,000 -51.5% 0.7%
KeyBank $760,000 $7,590,000 898.7% 0.7%
GLOBAL $4,070,000 $7,105,000 74.6% 0.6%
GUILD MORTGAGE COMPANY $4,795,000 $7,045,000 46.9% 0.6%
Washington Federal Bank $6,050,000 $6,770,000 11.9% 0.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,405,000 $6,520,000 20.6% 0.6%
Bank of America $6,720,000 $5,870,000 -12.6% 0.5%
BROKER SOLUTIONS, INC. $4,235,000 $5,570,000 31.5% 0.5%
NEWREZ LLC $1,560,000 $5,545,000 255.4% 0.5%
Truist Bank $165,000 $5,120,000 3,003.0% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $3,785,000 $5,035,000 33.0% 0.4%
NAVY FEDERAL CREDIT UNION $4,415,000 $4,730,000 7.1% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $3,210,000 $4,675,000 45.6% 0.4%
HOME POINT FINANCIAL CORPORATION $1,125,000 $4,625,000 311.1% 0.4%
Mortgage Research Center, LLC $5,660,000 $4,295,000 -24.1% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $7,345,000 $4,155,000 -43.4% 0.4%
FINANCE OF AMERICA MORTGAGE LLC $5,890,000 $4,060,000 -31.1% 0.4%
HOMESIDE FINANCIAL, LLC $1,365,000 $3,850,000 182.1% 0.3%
NEW DAY FINANCIAL, LLC $3,065,000 $3,805,000 24.1% 0.3%
MANN FINANCIAL INC. $2,945,000 $3,640,000 23.6% 0.3%
GESA $4,125,000 $3,550,000 -13.9% 0.3%
Boeing Employees Credit Union $3,245,000 $3,395,000 4.6% 0.3%
Herring Bank $830,000 $3,375,000 306.6% 0.3%
CELEBRITY HOME LOANS, LLC $3,275,000 n/a 0.3%
Citibank $1,040,000 $2,930,000 181.7% 0.3%
AMERICAN FINANCING CORPORATION $1,615,000 $2,925,000 81.1% 0.3%
UBS Bank USA $3,595,000 $2,905,000 -19.2% 0.3%
Wallick & Volk, Inc. $2,265,000 $2,835,000 25.2% 0.3%
CHERRY CREEK MORTGAGE, LLC $2,215,000 $2,800,000 26.4% 0.2%
Quontic Bank $2,700,000 n/a 0.2%
STEARNS LENDING, LLC $3,435,000 $2,560,000 -25.5% 0.2%
Bank of the West $3,010,000 $2,555,000 -15.1% 0.2%
HomeStreet Bank $260,000 $2,445,000 840.4% 0.2%
CMG MORTGAGE, INC. $1,310,000 $2,415,000 84.4% 0.2%
KELLER MORTGAGE, LLC $3,725,000 $2,380,000 -36.1% 0.2%
Northwest Farm Credit Services, FLCA $1,465,000 $2,320,000 58.4% 0.2%
MidFirst Bank $2,255,000 n/a 0.2%
ZILLOW HOME LOANS, LLC $2,245,000 n/a 0.2%
PLANET HOME LENDING, LLC $2,190,000 $2,080,000 -5.0% 0.2%
North American Savings Bank, F.S.B. $2,370,000 $2,060,000 -13.1% 0.2%
Northpointe Bank $890,000 $1,995,000 124.2% 0.2%
LAKEVIEW LOAN SERVICING, LLC $1,640,000 $1,900,000 15.9% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $1,120,000 $1,855,000 65.6% 0.2%
LEADERONE FINANCIAL CORPORATION $1,440,000 $1,805,000 25.3% 0.2%
CHURCHILL MORTGAGE CORPORATION $660,000 $1,800,000 172.7% 0.2%
First Mortgage Solutions, LLC $1,790,000 n/a 0.2%
Nations Lending Corporation $2,830,000 $1,725,000 -39.0% 0.2%
Ally Bank $1,695,000 n/a 0.2%
SUMMIT FUNDING, INC. $1,730,000 $1,695,000 -2.0% 0.2%
AMERICAN ADVISORS GROUP $1,700,000 $1,650,000 -2.9% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $2,860,000 $1,650,000 -42.3% 0.1%
The Federal Savings Bank $900,000 $1,630,000 81.1% 0.1%
Paramount Residential Mortgage Group, Inc. $1,360,000 $1,610,000 18.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $510,000 $1,590,000 211.8% 0.1%
FirstBank $1,645,000 $1,570,000 -4.6% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,605,000 $1,530,000 -57.6% 0.1%
MOUNTAIN AMERICA $820,000 $1,525,000 86.0% 0.1%
USAA Federal Savings Bank $3,920,000 $1,480,000 -62.2% 0.1%
NBKC BANK $2,935,000 $1,425,000 -51.4% 0.1%
REVERSE MORTGAGE FUNDING LLC $245,000 $1,415,000 477.6% 0.1%
First Republic Bank $1,410,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $1,745,000 $1,385,000 -20.6% 0.1%
GENEVA FINANCIAL, LLC $1,270,000 $1,330,000 4.7% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,325,000 n/a 0.1%
First Guaranty Mortgage Corporation $540,000 $1,300,000 140.7% 0.1%
Prime Choice Funding Inc. $415,000 $1,295,000 212.0% 0.1%
Stifel Bank and Trust $1,295,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $2,535,000 $1,225,000 -51.7% 0.1%
Community First Bank $1,195,000 n/a 0.1%
IMPAC MORTGAGE CORP. $1,155,000 n/a 0.1%
America's Credit Union $1,145,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $395,000 $1,140,000 188.6% 0.1%
FINANCE OF AMERICA REVERSE LLC $480,000 $1,135,000 136.5% 0.1%
S1L, Inc. $205,000 $1,130,000 451.2% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $1,145,000 $1,120,000 -2.2% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $2,070,000 $1,095,000 -47.1% 0.1%
ADVANCIAL $1,255,000 $1,075,000 -14.3% 0.1%
Strong Home Mortgage, LLC $445,000 $980,000 120.2% 0.1%
FUNDLOANS CAPITAL $975,000 n/a 0.1%
WASHINGTON STATE EMPLOYEES Credit Union $3,275,000 $920,000 -71.9% 0.1%
LENDUS, LLC $895,000 n/a 0.1%
Zions Bancorporation, N.A. $295,000 $895,000 203.4% 0.1%
MLD MORTGAGE INC. $880,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $865,000 n/a 0.1%
BAY EQUITY LLC $1,210,000 $860,000 -28.9% 0.1%
LOANLEADERS OF AMERICA, INC. $860,000 n/a 0.1%
CANOPY MORTGAGE, LLC $195,000 $855,000 338.5% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $610,000 $855,000 40.2% 0.1%
CORNERSTONE HOME LENDING, INC. $825,000 $845,000 2.4% 0.1%
LOS ANGELES POLICE Federal Credit Union $820,000 n/a 0.1%
CLEARPATH LENDING $1,795,000 $795,000 -55.7% 0.1%
Firefighters First Federal Credit Union $325,000 $780,000 140.0% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $195,000 $780,000 300.0% 0.1%
Evolve Bank & Trust $550,000 $765,000 39.1% 0.1%
NATIONS RELIABLE LENDING, LLC $475,000 $760,000 60.0% 0.1%
Sierra Pacific Mortgage Company, Inc. $3,255,000 $760,000 -76.7% 0.1%
GSF Mortgage Corporation $345,000 $750,000 117.4% 0.1%
BNY Mellon $735,000 n/a 0.1%
ENVOY MORTGAGE, LTD $2,085,000 $700,000 -66.4% 0.1%
AXIA FINANCIAL, LLC $680,000 n/a 0.1%
TIAA, FSB $1,790,000 $675,000 -62.3% 0.1%
Arvest Bank $1,950,000 $670,000 -65.6% 0.1%
LONGBRIDGE FINANCIAL, LLC $155,000 $670,000 332.3% 0.1%
LENDSURE MORTGAGE CORP. $680,000 $665,000 -2.2% 0.1%
MOVEMENT MORTGAGE, LLC $1,485,000 $630,000 -57.6% 0.1%
JMAC LENDING, INC. $625,000 n/a 0.1%
AMERICAN INTERNET MORTGAGE, INC. $735,000 $620,000 -15.6% 0.1%
First Internet Bank of Indiana $620,000 n/a 0.1%
INTERCAP LENDING INC. $335,000 $605,000 80.6% 0.1%
Cf Bank $185,000 $545,000 194.6% 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $545,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $545,000 n/a 0.0%
Baker Boyer National Bank $505,000 $535,000 5.9% 0.0%
Qualstar Credit Union $535,000 n/a 0.0%
Carrington Mortgage Services, LLC $440,000 $525,000 19.3% 0.0%
Franklin Loan Corporation $525,000 n/a 0.0%
WESTMARK Credit Union $525,000 n/a 0.0%
BNC National Bank $405,000 $515,000 27.2% 0.0%
Cornerstone National Bank & Trust Company $515,000 n/a 0.0%
Goldwater Bank, N.A. $515,000 n/a 0.0%
Heritage Bank $515,000 n/a 0.0%
Unitus Community Credit Union $515,000 n/a 0.0%
First Federal Bank of Kansas City $505,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $500,000 n/a 0.0%
Farmers Bank & Trust $515,000 $495,000 -3.9% 0.0%
OAKTREE FUNDING CORP. $495,000 n/a 0.0%
Low VA Rates, LLC $575,000 $480,000 -16.5% 0.0%
SOFI LENDING CORP. $325,000 $470,000 44.6% 0.0%
GUARANTY HOME MORTGAGE CORPORATION $465,000 n/a 0.0%
FIRST TECHNOLOGY $660,000 $440,000 -33.3% 0.0%
InterContinental Capital Group, Inc $440,000 n/a 0.0%
VISION ONE MORTGAGE, INC. $245,000 $440,000 79.6% 0.0%
Watermark Capital, Inc. $105,000 $440,000 319.0% 0.0%
Morgan Stanley Private Bank $3,290,000 $435,000 -86.8% 0.0%
Bank of Idaho $425,000 n/a 0.0%
UNIVERSITY CREDIT UNION $415,000 n/a 0.0%
The Central Trust Bank $405,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $690,000 $370,000 -46.4% 0.0%
Wheatland Bank $885,000 $355,000 -59.9% 0.0%
BMO Harris Bank $340,000 n/a 0.0%
GEORGIA'S OWN $340,000 n/a 0.0%
SPOKANE FIREFIGHTERS CREDIT UNION $1,340,000 $340,000 -74.6% 0.0%
THRIVE MORTGAGE, LLC $315,000 n/a 0.0%
Lend Smart Mortgage, LLC $305,000 n/a 0.0%
Operating Engineers Local Union #3 $305,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $305,000 n/a 0.0%
CITYWIDE HOME LOANS, LLC $295,000 n/a 0.0%
Magnolia Bank $975,000 $285,000 -70.8% 0.0%
Midwest BankCentre $285,000 n/a 0.0%
NP, Inc. $285,000 n/a 0.0%
ON Q FINANCIAL, INC. $275,000 n/a 0.0%
Figure Lending LLC $265,000 n/a 0.0%
PNC Bank $305,000 $265,000 -13.1% 0.0%
CRESCENT MORTGAGE COMPANY $260,000 n/a 0.0%
First Western Trust Bank $255,000 n/a 0.0%
The Union Bank Company $315,000 $255,000 -19.0% 0.0%
Commerce Home Mortgage, Inc. $295,000 $245,000 -16.9% 0.0%
PHH Mortgage Corporation $145,000 $245,000 69.0% 0.0%
1st Security Bank of Washington $225,000 n/a 0.0%
First Home Bank $205,000 $225,000 9.8% 0.0%
Century Mortgage Company DBA Century Lending Company $215,000 n/a 0.0%
STAR ONE CREDIT UNION $215,000 n/a 0.0%
CANOPY $560,000 $205,000 -63.4% 0.0%
DIGNIFIED HOME LOANS, LLC $205,000 n/a 0.0%
RANLIFE, INC. $380,000 $205,000 -46.1% 0.0%
SUMMIT MORTGAGE CORPORATION $205,000 n/a 0.0%
Citizens Bank $265,000 $195,000 -26.4% 0.0%
D. L. Evans Bank $175,000 n/a 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $325,000 $175,000 -46.2% 0.0%
Discover Bank $115,000 $120,000 4.3% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $555,000 $115,000 -79.3% 0.0%
QUORUM FEDERAL CREDIT UNION $135,000 $115,000 -14.8% 0.0%
AMERICA FIRST $55,000 $105,000 90.9% 0.0%
Barrington Bank & Trust Company, N.A. $1,500,000 $95,000 -93.7% 0.0%
21ST MORTGAGE CORPORATION $685,000 $65,000 -90.5% 0.0%

Sandpoint's top lender by overall market share is Glacier Bank, with 11.5% market share. In second place, with 6.0%, is QUICKEN LOANS, LLC, having originated $66,945,000 in loans. In third place, with 5.2%, is Willamette Valley Bank, having originated $58,760,000 in loans. In third place, with 4.6%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $51,870,000 in loans. In third place, with 3.6%, is GUARANTEED RATE, INC., having originated $40,700,000 in loans.


Sandpoint, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,011 $450,305,000 $445,406
Refi 1,008 $296,460,000 $294,107
Cash Out Refi 994 $296,020,000 $297,807
Home Improvement 271 $45,735,000 $168,764
Other 152 $34,700,000 $228,289

Sandpoint's most frequently cited loan purpose was Home Purchase, with 1,011 originations. The 2nd most popular reason was Refi, with 1,008 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,369 $476,615,000 $348,148
2.5-3% 1,272 $434,810,000 $341,832
<2.5% 471 $145,845,000 $309,650
4-5% 249 $50,515,000 $202,871
5-6% 29 $3,945,000 $136,034
6-7% 18 $3,870,000 $215,000
7-8% 7 $555,000 $79,286
Over 8% 5 $415,000 $83,000

During 2021, Sandpoint's most frequently originated rate bucket was 3-4%, with 1,369 originations.

Loan Sizing (Sandpoint, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,490 $428,610,000 $287,658
$100k-200k 730 $110,350,000 $151,164
$400k-600k 692 $334,680,000 $483,642
$100,000 or less 277 $15,975,000 $57,671
$600k-1000k 183 $134,025,000 $732,377
$Over $1MM 64 $99,580,000 $1,555,938

Sandpoint's loan sizing saw the bucket of loans from $200k-400k with 1,490 originations, totaling $428,610,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,019 $422,625,000 $414,745
40-60% 948 $302,000,000 $318,565
20-40% 571 $126,625,000 $221,760
80-100% 484 $213,500,000 $441,116
Under 20% 317 $28,045,000 $88,470
Over 100% 12 $5,290,000 $440,833

Sandpoint's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,019 originations, totaling $422,625,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Sandpoint (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 $389,450 (0.5%) $569,086 (-4.7%) 0.00 519
2018-02-01 $389,000 (5.4%) $575,800 (-1.5%) 0.00 514
2018-03-01 $399,000 (2.4%) $615,538 (0.8%) 0.00 566
2018-04-01 $419,000 (10.3%) $613,626 (1.5%) 0.00 604
2018-05-01 $399,900 (2.0%) $611,020 (2.8%) 0.00 732
2018-06-01 $409,000 (4.9%) $614,508 (4.5%) 0.00 892
2018-07-01 $425,000 (9.0%) $631,869 (8.9%) 0.00 923
2018-08-01 $442,000 (10.8%) $660,972 (12.1%) 0.00 1,026
2018-09-01 $435,000 (12.4%) $679,665 (14.9%) 0.00 874
2018-10-01 $432,000 (13.7%) $676,759 (14.2%) 0.00 779
2018-11-01 $432,000 (11.1%) $668,045 (14.5%) 0.00 658
2018-12-01 $435,000 (11.6%) $717,646 (23.4%) 0.00 589
2019-01-01 $420,000 (7.8%) $880,348 (54.7%) 0.00 471
2019-02-01 $447,500 (15.0%) $999,708 (73.6%) 0.00 431
2019-03-01 $456,929 (14.5%) $960,951 (56.1%) 0.00 449
2019-04-01 $466,179 (11.3%) $883,103 (43.9%) 0.00 501
2019-05-01 $458,000 (14.5%) $844,230 (38.2%) 0.00 598
2019-06-01 $459,000 (12.2%) $802,278 (30.6%) 0.00 721
2019-07-01 $464,500 (9.3%) $778,756 (23.3%) 0.00 827
2019-08-01 $480,657 (8.8%) $812,135 (22.9%) 0.00 790
2019-09-01 $485,207 (11.5%) $814,841 (19.9%) 0.00 694
2019-10-01 $479,000 (10.9%) $836,882 (23.7%) 0.00 625
2019-11-01 $499,900 (15.7%) $879,283 (31.6%) 0.00 534
2019-12-01 $525,000 (20.7%) $916,208 (27.7%) 0.00 475
2020-01-01 $529,000 (26.0%) $954,753 (8.5%) 0.00 398
2020-02-01 $525,000 (17.3%) $931,109 (-6.9%) 0.00 391
2020-03-01 $527,500 (15.4%) $957,845 (-0.3%) 0.00 391
2020-04-01 $509,950 (9.4%) $932,030 (5.5%) 0.00 456
2020-05-01 $525,000 (14.6%) $931,000 (10.3%) 0.00 478
2020-06-01 $548,000 (19.4%) $928,285 (15.7%) 0.00 502
2020-07-01 $557,500 (20.0%) $986,333 (26.7%) 0.00 489
2020-08-01 $599,000 (24.6%) $1,088,442 (34.0%) 0.00 412
2020-09-01 $622,500 (28.3%) $1,169,669 (43.6%) 0.00 315
2020-10-01 $639,900 (33.6%) $1,289,545 (54.1%) 0.00 259
2020-11-01 $672,000 (34.4%) $1,612,858 (83.4%) 0.00 196
2020-12-01 $669,000 (27.4%) $1,596,318 (74.2%) 0.00 170
2021-01-01 $699,900 (32.3%) $1,843,511 (93.1%) 0.00 126
2021-02-01 $799,000 (52.2%) $2,053,888 (120.6%) 0.00 110
2021-03-01 $699,500 (32.6%) $2,022,719 (111.2%) 0.00 111
2021-04-01 $724,500 (42.1%) $1,994,750 (114.0%) 0.00 134
2021-05-01 $726,000 (38.3%) $1,649,098 (77.1%) 0.00 195
2021-06-01 $790,000 (44.2%) $1,351,939 (45.6%) 0.00 285
2021-07-01 $726,000 (30.2%) $1,184,883 (20.1%) 0.00 393
2021-08-01 $765,000 (27.7%) $1,209,350 (11.1%) 0.00 424
2021-09-01 $749,950 (20.5%) $1,317,244 (12.6%) 0.00 435
2021-10-01 $749,000 (17.1%) $1,356,070 (5.2%) 0.00 342
2021-11-01 $745,000 (10.9%) $1,266,325 (-21.5%) 0.00 245
2021-12-01 $741,950 (10.9%) $1,294,716 (-18.9%) 0.00 191
2022-01-01 $799,000 (14.2%) $1,375,172 (-25.4%) 0.00 111
2022-02-01 $887,000 (11.0%) $1,340,793 (-34.7%) 0.00 122
2022-03-01 $949,000 (35.7%) $1,344,348 (-33.5%) 0.00 150
2022-04-01 $875,000 (20.8%) $1,235,855 (-38.0%) 0.00 218
2022-05-01 $849,500 (17.0%) $1,221,029 (-26.0%) 0.00 354
2022-06-01 $832,500 (5.4%) $1,206,578 (-10.8%) 0.00 537
Sandpoint's median listing price for 2022-06-01 was $832,500, a difference of $42,500 (5.4%) versus the prior year and $-17,000 versus the prior month.

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

Sandpoint's average listing price for 2022-06-01 was $1,206,578, a difference of $-145,361 (-10.8%) versus the prior year and $-14,451 versus the prior month.

For the 2022-06-01 period, Sandpoint had 537 MLS listings, a difference of 183 listings (52%) versus the prior month and 252 listings (88%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Sandpoint (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,982 sqft
2018-02-01 0 days 1,945 sqft
2018-03-01 0 days 1,992 sqft
2018-04-01 0 days 2,025 sqft
2018-05-01 0 days 2,000 sqft
2018-06-01 0 days 1,984 sqft
2018-07-01 0 days 2,000 sqft
2018-08-01 0 days 2,016 sqft
2018-09-01 0 days 2,124 sqft
2018-10-01 0 days 2,111 sqft
2018-11-01 0 days 2,118 sqft
2018-12-01 0 days 2,152 sqft
2019-01-01 0 days 2,140 sqft
2019-02-01 0 days 2,157 sqft
2019-03-01 0 days 2,147 sqft
2019-04-01 0 days 2,110 sqft
2019-05-01 0 days 2,145 sqft
2019-06-01 0 days 2,132 sqft
2019-07-01 0 days 2,054 sqft
2019-08-01 0 days 2,108 sqft
2019-09-01 0 days 2,221 sqft
2019-10-01 0 days 2,222 sqft
2019-11-01 0 days 2,144 sqft
2019-12-01 0 days 2,000 sqft
2020-01-01 0 days 1,878 sqft
2020-02-01 0 days 1,836 sqft
2020-03-01 0 days 1,999 sqft
2020-04-01 0 days 2,020 sqft
2020-05-01 0 days 2,048 sqft
2020-06-01 0 days 2,099 sqft
2020-07-01 0 days 2,141 sqft
2020-08-01 0 days 2,118 sqft
2020-09-01 0 days 2,048 sqft
2020-10-01 0 days 2,200 sqft
2020-11-01 0 days 2,227 sqft
2020-12-01 0 days 2,240 sqft
2021-01-01 0 days 2,200 sqft
2021-02-01 0 days 2,271 sqft
2021-03-01 0 days 2,140 sqft
2021-04-01 0 days 2,160 sqft
2021-05-01 0 days 2,139 sqft
2021-06-01 0 days 2,030 sqft
2021-07-01 0 days 1,980 sqft
2021-08-01 0 days 2,051 sqft
2021-09-01 0 days 2,032 sqft
2021-10-01 0 days 2,001 sqft
2021-11-01 0 days 1,964 sqft
2021-12-01 0 days 1,968 sqft
2022-01-01 0 days 1,980 sqft
2022-02-01 0 days 2,000 sqft
2022-03-01 0 days 2,052 sqft
2022-04-01 0 days 1,975 sqft
2022-05-01 0 days 1,946 sqft
2022-06-01 0 days 1,958 sqft
Sandpoint's median listing age (time on market) for 2022-06-01 was 0 days.

Sandpoint's median square footage for active listings during the 2022-06-01 period was 1,958 sqft. One year prior, the average listing was 2,030 sqft.