Sandpoint Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Sandpoint averaged
6.84%
for the week of 2023-11-22, compared to the national average of
7.29% for the same period.
The average rate for the prior week (2023-11-16) was
7.29% and
one month ago for the week of 2023-10-19, the
average rate was 7.08%.
Sandpoint's average rate one year ago was 6.06%.
For refis of the same type during the week of 2023-11-22, the average rate
was 6.22%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-11-22 | 7.29% |
| Sandpoint 30 Year Fixed Rate | 2023-11-22 | 6.84% |
| Sandpoint 30 Year Fixed Rate Refi | 2023-11-22 | 6.22% |
| Sandpoint 15 Year Fixed Rate | 2023-11-22 | 6.67% |
| Sandpoint 15 Year Fixed Rate Refi | 2023-11-22 | 7.17% |
| Sandpoint 30 Year FHA | 2023-11-22 | -0.2% |
| Sandpoint 30 Year FHA Refi | 2023-11-22 | 0.1% |
| Sandpoint 30 Year USDA | 2023-11-22 | 0.2% |
| Sandpoint 30 Year USDA Refi | 2023-11-22 | 0.1% |
| Sandpoint 30 Year VA | 2023-11-22 | -0.32% |
| Sandpoint 30 Year VA Refi | 2023-11-22 | -0.1% |
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 lender, 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.).
Sandpoint Average Closing Costs & Other Stats
Sandpoint, ID's 129 lenders originated 1,996
loans during 2022. The total origination value was $753,260,000, with an average loan value of
$377,385.
Sandpoint's average closing costs are $6,552.
The top Sandpoint lender as defined by loan originations is Glacier Bank, with
115 loans originated. Their average total fees are
$14,117, which is $5,283
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Sandpoint lenders (with over 10 loans originated) are
Potlatch No. 1 Financial Credit Union ($5,000), Wells Fargo Bank ($5,812), CALIBER HOME LOANS, INC. ($6,361), Columbia State Bank ($7,249) and Umpqua Bank ($7,271).
The lowest rate Sandpoint lenders (with over 10 loans originated) are
Washington Trust Bank (4.03%), Wells Fargo Bank (4.10%), JPMorgan Chase Bank (4.15%), LOANDEPOT.COM, LLC (4.25%) and GUARANTEED RATE, INC. (4.35%).
Sandpoint, 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 |
|---|---|---|---|---|
| Glacier Bank | $128,615,000 | $112,830,000 | -12.3% | 15.0% |
| Willamette Valley Bank | $58,760,000 | $34,325,000 | -41.6% | 4.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $51,870,000 | $32,030,000 | -38.2% | 4.3% |
| Columbia State Bank | $17,075,000 | $31,520,000 | 84.6% | 4.2% |
| SPOKANE TEACHERS | $35,050,000 | $29,480,000 | -15.9% | 3.9% |
| IDAHO CENTRAL | $34,275,000 | $29,265,000 | -14.6% | 3.9% |
| QUICKEN LOANS, LLC | $66,945,000 | $28,965,000 | -56.7% | 3.8% |
| U.S. Bank | $31,595,000 | $21,370,000 | -32.4% | 2.8% |
| GUARANTEED RATE, INC. | $40,700,000 | $20,930,000 | -48.6% | 2.8% |
| Washington Trust Bank | $29,280,000 | $20,175,000 | -31.1% | 2.7% |
| Potlatch No. 1 Financial Credit Union | $20,475,000 | $17,710,000 | -13.5% | 2.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $26,325,000 | $16,845,000 | -36.0% | 2.2% |
| NUMERICA CREDIT UNION | $27,080,000 | $15,980,000 | -41.0% | 2.1% |
| First Interstate Bank | $18,955,000 | $15,015,000 | -20.8% | 2.0% |
| Wells Fargo Bank | $33,675,000 | $14,660,000 | -56.5% | 1.9% |
| LOANDEPOT.COM, LLC | $19,700,000 | $12,510,000 | -36.5% | 1.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $31,740,000 | $12,270,000 | -61.3% | 1.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $23,405,000 | $11,440,000 | -51.1% | 1.5% |
| GESA | $3,550,000 | $11,165,000 | 214.5% | 1.5% |
| Umpqua Bank | $15,165,000 | $11,135,000 | -26.6% | 1.5% |
| Washington Federal Bank | $6,770,000 | $10,185,000 | 50.4% | 1.4% |
| JPMorgan Chase Bank | $9,825,000 | $9,715,000 | -1.1% | 1.3% |
| CALIBER HOME LOANS, INC. | $28,165,000 | $9,400,000 | -66.6% | 1.2% |
| HORIZON | $8,030,000 | $8,325,000 | 3.7% | 1.1% |
| Flagstar Bank, FSB | $8,855,000 | $7,225,000 | -18.4% | 1.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $10,865,000 | $6,965,000 | -35.9% | 0.9% |
| Banner Bank | $14,990,000 | $6,915,000 | -53.9% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,520,000 | $6,680,000 | 2.5% | 0.9% |
| Platinum Home Mortgage Corporation | $11,260,000 | $5,320,000 | -52.8% | 0.7% |
| Alaska USA Federal Credit Union | $5,265,000 | n/a | 0.7% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $4,155,000 | $4,685,000 | 12.8% | 0.6% |
| Bank of America | $5,870,000 | $4,425,000 | -24.6% | 0.6% |
| AMERICAN ADVISORS GROUP | $1,650,000 | $4,400,000 | 166.7% | 0.6% |
| HOMESIDE FINANCIAL, LLC | $3,850,000 | $4,365,000 | 13.4% | 0.6% |
| MANN FINANCIAL INC. | $3,640,000 | $4,295,000 | 18.0% | 0.6% |
| GUILD MORTGAGE COMPANY | $7,045,000 | $4,195,000 | -40.5% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,675,000 | $4,190,000 | -10.4% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $11,565,000 | $3,970,000 | -65.7% | 0.5% |
| Sunflower Bank | $8,665,000 | $3,720,000 | -57.1% | 0.5% |
| ACADEMY MORTGAGE CORPORATION | $9,550,000 | $3,445,000 | -63.9% | 0.5% |
| Boeing Employees Credit Union | $3,395,000 | $3,220,000 | -5.2% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,650,000 | $3,085,000 | 87.0% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,035,000 | $3,030,000 | -39.8% | 0.4% |
| Silicon Valley Bank | $3,005,000 | n/a | 0.4% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,325,000 | $2,855,000 | 115.5% | 0.4% |
| City National Bank | $2,775,000 | n/a | 0.4% | |
| KeyBank | $7,590,000 | $2,760,000 | -63.6% | 0.4% |
| NBKC BANK | $1,425,000 | $2,675,000 | 87.7% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $1,135,000 | $2,525,000 | 122.5% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $12,205,000 | $2,490,000 | -79.6% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $4,730,000 | $2,460,000 | -48.0% | 0.3% |
| Mortgage Research Center, LLC | $4,295,000 | $2,455,000 | -42.8% | 0.3% |
| BROKER SOLUTIONS, INC. | $5,570,000 | $2,415,000 | -56.6% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $760,000 | $2,300,000 | 202.6% | 0.3% |
| NEW DAY FINANCIAL, LLC | $3,805,000 | $2,195,000 | -42.3% | 0.3% |
| Bank of the West | $2,555,000 | $2,150,000 | -15.9% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $11,330,000 | $2,055,000 | -81.9% | 0.3% |
| 1st Security Bank of Washington | $225,000 | $2,035,000 | 804.4% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $1,610,000 | $2,015,000 | 25.2% | 0.3% |
| Wallick & Volk, Inc. | $2,835,000 | $2,005,000 | -29.3% | 0.3% |
| HOME POINT FINANCIAL CORPORATION | $4,625,000 | $1,945,000 | -57.9% | 0.3% |
| Stifel Bank and Trust | $1,295,000 | $1,915,000 | 47.9% | 0.3% |
| Commerce Home Mortgage, Inc. | $245,000 | $1,865,000 | 661.2% | 0.2% |
| Truist | $5,120,000 | $1,825,000 | -64.4% | 0.2% |
| BAY EQUITY LLC | $860,000 | $1,805,000 | 109.9% | 0.2% |
| REVERSE MORTGAGE FUNDING LLC | $1,415,000 | $1,805,000 | 27.6% | 0.2% |
| Waterstone Mortgage Corporation | $1,675,000 | n/a | 0.2% | |
| Goldman Sachs Bank USA | $1,655,000 | n/a | 0.2% | |
| Bell Bank | $1,640,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $1,480,000 | $1,640,000 | 10.8% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $215,000 | $1,590,000 | 639.5% | 0.2% |
| AMERICAN FINANCING CORPORATION | $2,925,000 | $1,560,000 | -46.7% | 0.2% |
| Zions Bancorporation, N.A. | $895,000 | $1,470,000 | 64.2% | 0.2% |
| UBS Bank USA | $2,905,000 | $1,450,000 | -50.1% | 0.2% |
| S1L, Inc. | $1,130,000 | $1,400,000 | 23.9% | 0.2% |
| NEWREZ LLC | $5,545,000 | $1,380,000 | -75.1% | 0.2% |
| T2 FINANCIAL LLC | $1,310,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $11,585,000 | $1,290,000 | -88.9% | 0.2% |
| Hometown Lenders, Inc. | $1,290,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $245,000 | $1,290,000 | 426.5% | 0.2% |
| First Western Trust Bank | $255,000 | $1,285,000 | 403.9% | 0.2% |
| FINANCE OF AMERICA MORTGAGE LLC | $4,060,000 | $1,265,000 | -68.8% | 0.2% |
| CMG MORTGAGE, INC. | $2,415,000 | $1,210,000 | -49.9% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $1,590,000 | $1,210,000 | -23.9% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,160,000 | n/a | 0.2% | |
| CHERRY CREEK MORTGAGE, LLC | $2,800,000 | $1,115,000 | -60.2% | 0.1% |
| HomeStreet Bank | $2,445,000 | $1,110,000 | -54.6% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $630,000 | $1,110,000 | 76.2% | 0.1% |
| PRIORITY HOME LENDING, LLC | $1,095,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $95,000 | $1,055,000 | 1,010.5% | 0.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,530,000 | $1,055,000 | -31.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $1,800,000 | $1,050,000 | -41.7% | 0.1% |
| EVERETT FINANCIAL, INC. | $1,025,000 | n/a | 0.1% | |
| Prime Choice Funding Inc. | $1,295,000 | $1,000,000 | -22.8% | 0.1% |
| LENDSURE MORTGAGE CORP. | $665,000 | $995,000 | 49.6% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,805,000 | $990,000 | -45.2% | 0.1% |
| First Republic Bank | $1,410,000 | $925,000 | -34.4% | 0.1% |
| FirstBank | $1,570,000 | $860,000 | -45.2% | 0.1% |
| MOUNTAIN AMERICA | $1,525,000 | $855,000 | -43.9% | 0.1% |
| OAKTREE FUNDING CORP. | $495,000 | $850,000 | 71.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $670,000 | $830,000 | 23.9% | 0.1% |
| RANLIFE, INC. | $205,000 | $825,000 | 302.4% | 0.1% |
| SUMMIT FUNDING, INC. | $1,695,000 | $795,000 | -53.1% | 0.1% |
| Nations Lending Corporation | $1,725,000 | $730,000 | -57.7% | 0.1% |
| First Guaranty Mortgage Corporation | $1,300,000 | $700,000 | -46.2% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $685,000 | n/a | 0.1% | |
| State Bank of the Lakes | $645,000 | n/a | 0.1% | |
| WASHINGTON STATE EMPLOYEES Credit Union | $920,000 | $640,000 | -30.4% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $865,000 | $615,000 | -28.9% | 0.1% |
| INTERCAP LENDING INC. | $605,000 | $615,000 | 1.7% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $845,000 | $605,000 | -28.4% | 0.1% |
| UMB Bank | $605,000 | n/a | 0.1% | |
| AMERICA FIRST | $105,000 | $600,000 | 471.4% | 0.1% |
| BMO Harris Bank | $340,000 | $580,000 | 70.6% | 0.1% |
| NFM, INC. | $545,000 | n/a | 0.1% | |
| Gateway First Bank | $540,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $1,385,000 | $535,000 | -61.4% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,855,000 | $515,000 | -72.2% | 0.1% |
| HomeTrust Bank | $510,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $115,000 | $505,000 | 339.1% | 0.1% |
| V.I.P. MORTGAGE, INC. | $505,000 | n/a | 0.1% | |
| QUORUM FEDERAL CREDIT UNION | $115,000 | $495,000 | 330.4% | 0.1% |
| The Federal Savings Bank | $1,630,000 | $495,000 | -69.6% | 0.1% |
| North American Savings Bank, F.S.B. | $2,060,000 | $490,000 | -76.2% | 0.1% |
| BNC National Bank | $515,000 | $485,000 | -5.8% | 0.1% |
| IMPAC MORTGAGE CORP. | $1,155,000 | $485,000 | -58.0% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,900,000 | $480,000 | -74.7% | 0.1% |
| Carrington Mortgage Services, LLC | $525,000 | $465,000 | -11.4% | 0.1% |
| Quontic Bank | $2,700,000 | $465,000 | -82.8% | 0.1% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $455,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $700,000 | $445,000 | -36.4% | 0.1% |
| America's Credit Union | $1,145,000 | $435,000 | -62.0% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $620,000 | $425,000 | -31.5% | 0.1% |
| Northpointe Bank | $1,995,000 | $420,000 | -78.9% | 0.1% |
| Figure Lending LLC | $265,000 | $410,000 | 54.7% | 0.1% |
| GTE Federal Credit Union | $410,000 | n/a | 0.1% | |
| Idaho First Bank | $405,000 | n/a | 0.1% | |
| ON Q FINANCIAL, INC. | $275,000 | $405,000 | 47.3% | 0.1% |
| Discover Bank | $120,000 | $400,000 | 233.3% | 0.1% |
| Ally Bank | $1,695,000 | $395,000 | -76.7% | 0.1% |
| First Internet Bank of Indiana | $620,000 | $385,000 | -37.9% | 0.1% |
| STEARNS LENDING, LLC | $2,560,000 | $385,000 | -85.0% | 0.1% |
| Equity Prime Mortgage LLC | $375,000 | n/a | 0.0% | |
| Qualstar Credit Union | $535,000 | $375,000 | -29.9% | 0.0% |
| ZILLOW HOME LOANS, LLC | $2,245,000 | $375,000 | -83.3% | 0.0% |
| Magnolia Bank | $285,000 | $370,000 | 29.8% | 0.0% |
| AmeriHome Mortgage Company, LLC | $365,000 | n/a | 0.0% | |
| Bank of England | $365,000 | n/a | 0.0% | |
| Citizens Bank | $195,000 | $355,000 | 82.1% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $355,000 | n/a | 0.0% | |
| PREMIER LENDING, INC. | $345,000 | n/a | 0.0% | |
| KELLER MORTGAGE, LLC | $2,380,000 | $335,000 | -85.9% | 0.0% |
| TRISTAR FINANCE, INC. | $335,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $65,000 | $330,000 | 407.7% | 0.0% |
| BOKF | $325,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $325,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $325,000 | n/a | 0.0% | |
| Northwest Farm Credit Services, FLCA | $2,320,000 | $325,000 | -86.0% | 0.0% |
| Herring Bank | $3,375,000 | $305,000 | -91.0% | 0.0% |
| Hometown Equity Mortgage, LLC | $305,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $820,000 | $290,000 | -64.6% | 0.0% |
| Arvest Bank | $670,000 | $285,000 | -57.5% | 0.0% |
| Avista Corporation Credit Union | $285,000 | n/a | 0.0% | |
| JAMES B. NUTTER & COMPANY | $265,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $1,330,000 | $255,000 | -80.8% | 0.0% |
| PLANET HOME LENDING, LLC | $2,080,000 | $235,000 | -88.7% | 0.0% |
| VISION ONE MORTGAGE, INC. | $440,000 | $215,000 | -51.1% | 0.0% |
| LADERA LENDING, INC. | $205,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $205,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $205,000 | n/a | 0.0% | |
| Simmons Bank | $205,000 | n/a | 0.0% | |
| Congressional Bank | $195,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $185,000 | n/a | 0.0% | |
| CANOPY | $205,000 | $180,000 | -12.2% | 0.0% |
| PNC Bank | $265,000 | $170,000 | -35.8% | 0.0% |
| USAlliance Federal Credit Union | $165,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $780,000 | $105,000 | -86.5% | 0.0% |
| ROGUE | $95,000 | n/a | 0.0% | |
| UNIVERSITY CREDIT UNION | $415,000 | $55,000 | -86.7% | 0.0% |
| SPOKANE FIREFIGHTERS CREDIT UNION | $340,000 | $45,000 | -86.8% | 0.0% |
| RED CANOE CREDIT UNION | $35,000 | n/a | 0.0% |
Sandpoint's top lender by overall market share is Glacier Bank, with 15.0% market share. In second place, with 4.6%, is Willamette Valley Bank, having originated $34,325,000 in loans. In third place, with 4.3%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $32,030,000 in loans. In fourth place, with 4.2%, is Columbia State Bank, having originated $31,520,000 in loans. In fifth place, with 3.9%, is SPOKANE TEACHERS, having originated $29,480,000 in loans.
Sandpoint Housing Market Trends (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 | $361,500 (-2.0%) | $528,983 (-7.4%) | 0.00 | 362 |
| 2018-02-01 | $359,125 (2.0%) | $539,315 (-2.7%) | 0.00 | 371 |
| 2018-03-01 | $369,000 (-0.8%) | $571,728 (0.2%) | 0.00 | 403 |
| 2018-04-01 | $378,000 (3.1%) | $570,034 (0.3%) | 0.00 | 442 |
| 2018-05-01 | $379,395 (4.2%) | $574,526 (4.2%) | 0.00 | 516 |
| 2018-06-01 | $395,000 (7.5%) | $591,708 (7.7%) | 0.00 | 609 |
| 2018-07-01 | $397,875 (5.8%) | $596,038 (9.0%) | 0.00 | 642 |
| 2018-08-01 | $425,000 (9.3%) | $628,935 (11.3%) | 0.00 | 717 |
| 2018-09-01 | $399,900 (9.6%) | $652,285 (15.1%) | 0.00 | 615 |
| 2018-10-01 | $398,250 (8.4%) | $639,757 (14.6%) | 0.00 | 566 |
| 2018-11-01 | $397,725 (7.7%) | $639,342 (16.3%) | 0.00 | 492 |
| 2018-12-01 | $399,000 (8.1%) | $683,067 (28.1%) | 0.00 | 430 |
| 2019-01-01 | $405,750 (12.2%) | $790,935 (49.5%) | 0.00 | 343 |
| 2019-02-01 | $437,300 (21.8%) | $862,368 (59.9%) | 0.00 | 308 |
| 2019-03-01 | $449,193 (21.7%) | $856,101 (49.7%) | 0.00 | 318 |
| 2019-04-01 | $449,725 (19.0%) | $808,167 (41.8%) | 0.00 | 350 |
| 2019-05-01 | $450,000 (18.6%) | $783,531 (36.4%) | 0.00 | 406 |
| 2019-06-01 | $449,450 (13.8%) | $760,174 (28.5%) | 0.00 | 483 |
| 2019-07-01 | $449,975 (13.1%) | $736,971 (23.6%) | 0.00 | 557 |
| 2019-08-01 | $462,455 (8.8%) | $757,052 (20.4%) | 0.00 | 527 |
| 2019-09-01 | $466,136 (16.6%) | $776,043 (19.0%) | 0.00 | 468 |
| 2019-10-01 | $469,415 (17.9%) | $801,371 (25.3%) | 0.00 | 412 |
| 2019-11-01 | $478,000 (20.2%) | $832,616 (30.2%) | 0.00 | 361 |
| 2019-12-01 | $527,000 (32.1%) | $896,812 (31.3%) | 0.00 | 339 |
| 2020-01-01 | $541,000 (33.3%) | $914,162 (15.6%) | 0.00 | 284 |
| 2020-02-01 | $529,000 (21.0%) | $925,960 (7.4%) | 0.00 | 275 |
| 2020-03-01 | $544,575 (21.2%) | $958,743 (12.0%) | 0.00 | 272 |
| 2020-04-01 | $519,225 (15.5%) | $915,472 (13.3%) | 0.00 | 308 |
| 2020-05-01 | $529,000 (17.6%) | $902,416 (15.2%) | 0.00 | 327 |
| 2020-06-01 | $549,950 (22.4%) | $906,393 (19.2%) | 0.00 | 351 |
| 2020-07-01 | $571,250 (27.0%) | $959,927 (30.3%) | 0.00 | 347 |
| 2020-08-01 | $597,000 (29.1%) | $1,056,965 (39.6%) | 0.00 | 303 |
| 2020-09-01 | $595,750 (27.8%) | $1,082,859 (39.5%) | 0.00 | 237 |
| 2020-10-01 | $644,450 (37.3%) | $1,173,564 (46.4%) | 0.00 | 200 |
| 2020-11-01 | $689,450 (44.2%) | $1,411,642 (69.5%) | 0.00 | 150 |
| 2020-12-01 | $784,750 (48.9%) | $1,601,266 (78.6%) | 0.00 | 121 |
| 2021-01-01 | $813,000 (50.3%) | $1,752,921 (91.8%) | 0.00 | 89 |
| 2021-02-01 | $791,950 (49.7%) | $1,830,375 (97.7%) | 0.00 | 80 |
| 2021-03-01 | $699,700 (28.5%) | $1,790,153 (86.7%) | 0.00 | 78 |
| 2021-04-01 | $698,450 (34.5%) | $1,725,898 (88.5%) | 0.00 | 94 |
| 2021-05-01 | $737,500 (39.4%) | $1,525,892 (69.1%) | 0.00 | 135 |
| 2021-06-01 | $771,175 (40.2%) | $1,278,409 (41.0%) | 0.00 | 191 |
| 2021-07-01 | $715,000 (25.2%) | $1,121,226 (16.8%) | 0.00 | 278 |
| 2021-08-01 | $750,000 (25.6%) | $1,121,200 (6.1%) | 0.00 | 285 |
| 2021-09-01 | $749,900 (25.9%) | $1,184,064 (9.4%) | 0.00 | 288 |
| 2021-10-01 | $749,000 (16.2%) | $1,298,318 (10.6%) | 0.00 | 233 |
| 2021-11-01 | $741,950 (7.6%) | $1,274,666 (-9.7%) | 0.00 | 167 |
| 2021-12-01 | $742,000 (-5.5%) | $1,321,001 (-17.5%) | 0.00 | 134 |
| 2022-01-01 | $799,000 (-1.7%) | $1,365,300 (-22.1%) | 0.00 | 84 |
| 2022-02-01 | $891,950 (12.6%) | $1,324,890 (-27.6%) | 0.00 | 89 |
| 2022-03-01 | $964,250 (37.8%) | $1,341,405 (-25.1%) | 0.00 | 106 |
| 2022-04-01 | $875,000 (25.3%) | $1,242,906 (-28.0%) | 0.00 | 142 |
| 2022-05-01 | $838,850 (13.7%) | $1,241,621 (-18.6%) | 0.00 | 243 |
| 2022-06-01 | $832,000 (7.9%) | $1,215,475 (-4.9%) | 0.00 | 372 |
| 2022-07-01 | $799,900 (11.9%) | $1,244,957 (11.0%) | 0.00 | 465 |
| 2022-08-01 | $825,000 (10.0%) | $1,244,194 (11.0%) | 0.00 | 498 |
| 2022-09-01 | $819,000 (9.2%) | $1,256,389 (6.1%) | 0.00 | 469 |
| 2022-10-01 | $799,500 (6.7%) | $1,222,575 (-5.8%) | 0.00 | 437 |
| 2022-11-01 | $800,000 (7.8%) | $1,193,027 (-6.4%) | 0.00 | 364 |
| 2022-12-01 | $819,000 (10.4%) | $1,210,421 (-8.4%) | 0.00 | 322 |
| 2023-01-01 | $843,500 (5.6%) | $1,236,249 (-9.5%) | 0.00 | 267 |
| 2023-02-01 | $849,000 (-4.8%) | $1,254,894 (-5.3%) | 0.00 | 264 |
| 2023-03-01 | $849,700 (-11.9%) | $1,280,454 (-4.5%) | 0.00 | 258 |
| 2023-04-01 | $857,450 (-2.0%) | $1,292,211 (4.0%) | 0.00 | 257 |
| 2023-05-01 | $795,750 (-5.1%) | $1,205,315 (-2.9%) | 0.00 | 342 |
| 2023-06-01 | $797,250 (-4.2%) | $1,224,980 (0.8%) | 0.00 | 449 |
| 2023-07-01 | $775,000 (-3.1%) | $1,206,469 (-3.1%) | 0.00 | 513 |
| 2023-08-01 | $768,000 (-6.9%) | $1,198,275 (-3.7%) | 0.00 | 527 |
| 2023-09-01 | $772,500 (-5.7%) | $1,199,022 (-4.6%) | 0.00 | 491 |
| 2023-10-01 | $787,500 (-1.5%) | $1,222,004 (-0.1%) | 0.00 | 446 |
Sandpoint's median listing price for 2023-10-01 was $787,500, a difference of
$-12,000
(-1.5%) versus the prior year and
$15,000 versus the prior month.
Sandpoint's median listing price comes in at 0% of the national average.
Sandpoint's average listing price for 2023-10-01 was $1,222,004, a difference of $-571 (-0.1%) versus the prior year and $22,982 versus the prior month.
For the 2023-10-01 period, Sandpoint had 446 MLS listings, a difference of -45 listings (-9%) versus the prior month and 9 listings (2%) versus the prior year.
Sandpoint's median listing price comes in at 0% of the national average.
Sandpoint's average listing price for 2023-10-01 was $1,222,004, a difference of $-571 (-0.1%) versus the prior year and $22,982 versus the prior month.
For the 2023-10-01 period, Sandpoint had 446 MLS listings, a difference of -45 listings (-9%) versus the prior month and 9 listings (2%) 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 | 1,868 sqft |
| 2018-02-01 | 0 days | 1,851 sqft |
| 2018-03-01 | 0 days | 1,876 sqft |
| 2018-04-01 | 0 days | 1,882 sqft |
| 2018-05-01 | 0 days | 1,885 sqft |
| 2018-06-01 | 0 days | 1,914 sqft |
| 2018-07-01 | 0 days | 1,926 sqft |
| 2018-08-01 | 0 days | 1,959 sqft |
| 2018-09-01 | 0 days | 2,059 sqft |
| 2018-10-01 | 0 days | 2,023 sqft |
| 2018-11-01 | 0 days | 2,033 sqft |
| 2018-12-01 | 0 days | 2,056 sqft |
| 2019-01-01 | 0 days | 2,033 sqft |
| 2019-02-01 | 0 days | 2,076 sqft |
| 2019-03-01 | 0 days | 2,066 sqft |
| 2019-04-01 | 0 days | 2,013 sqft |
| 2019-05-01 | 0 days | 2,076 sqft |
| 2019-06-01 | 0 days | 2,028 sqft |
| 2019-07-01 | 0 days | 1,987 sqft |
| 2019-08-01 | 0 days | 2,039 sqft |
| 2019-09-01 | 0 days | 2,116 sqft |
| 2019-10-01 | 0 days | 2,199 sqft |
| 2019-11-01 | 0 days | 2,110 sqft |
| 2019-12-01 | 0 days | 1,956 sqft |
| 2020-01-01 | 0 days | 1,893 sqft |
| 2020-02-01 | 0 days | 1,882 sqft |
| 2020-03-01 | 0 days | 1,973 sqft |
| 2020-04-01 | 0 days | 1,959 sqft |
| 2020-05-01 | 0 days | 2,025 sqft |
| 2020-06-01 | 0 days | 2,060 sqft |
| 2020-07-01 | 0 days | 2,102 sqft |
| 2020-08-01 | 0 days | 2,091 sqft |
| 2020-09-01 | 0 days | 2,085 sqft |
| 2020-10-01 | 0 days | 2,225 sqft |
| 2020-11-01 | 0 days | 2,353 sqft |
| 2020-12-01 | 0 days | 2,353 sqft |
| 2021-01-01 | 0 days | 2,247 sqft |
| 2021-02-01 | 0 days | 2,250 sqft |
| 2021-03-01 | 0 days | 2,185 sqft |
| 2021-04-01 | 0 days | 2,132 sqft |
| 2021-05-01 | 0 days | 2,139 sqft |
| 2021-06-01 | 0 days | 2,011 sqft |
| 2021-07-01 | 0 days | 2,012 sqft |
| 2021-08-01 | 0 days | 2,022 sqft |
| 2021-09-01 | 0 days | 2,032 sqft |
| 2021-10-01 | 0 days | 2,001 sqft |
| 2021-11-01 | 0 days | 1,948 sqft |
| 2021-12-01 | 0 days | 1,966 sqft |
| 2022-01-01 | 0 days | 1,990 sqft |
| 2022-02-01 | 0 days | 1,967 sqft |
| 2022-03-01 | 0 days | 2,054 sqft |
| 2022-04-01 | 0 days | 1,988 sqft |
| 2022-05-01 | 0 days | 1,917 sqft |
| 2022-06-01 | 0 days | 1,877 sqft |
| 2022-07-01 | 0 days | 1,907 sqft |
| 2022-08-01 | 0 days | 1,958 sqft |
| 2022-09-01 | 0 days | 2,000 sqft |
| 2022-10-01 | 0 days | 2,030 sqft |
| 2022-11-01 | 0 days | 1,982 sqft |
| 2022-12-01 | 0 days | 1,867 sqft |
| 2023-01-01 | 0 days | 1,855 sqft |
| 2023-02-01 | 0 days | 1,888 sqft |
| 2023-03-01 | 0 days | 1,900 sqft |
| 2023-04-01 | 0 days | 2,000 sqft |
| 2023-05-01 | 0 days | 1,995 sqft |
| 2023-06-01 | 0 days | 2,015 sqft |
| 2023-07-01 | 0 days | 1,929 sqft |
| 2023-08-01 | 0 days | 1,914 sqft |
| 2023-09-01 | 0 days | 1,936 sqft |
| 2023-10-01 | 0 days | 2,016 sqft |
Sandpoint's median listing age (time on market) for 2023-10-01 was 0 days.
Sandpoint's median square footage for active listings during the 2023-10-01 period was 2,016 sqft. One year prior, the average listing was 2,030 sqft.
Sandpoint's median square footage for active listings during the 2023-10-01 period was 2,016 sqft. One year prior, the average listing was 2,030 sqft.
Sandpoint, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 805 | $419,275,000 | $520,839 |
| Cash Out Refi | 459 | $162,795,000 | $354,673 |
| Home Improvement | 315 | $46,725,000 | $148,333 |
| Refi | 242 | $87,440,000 | $361,322 |
| Other | 175 | $37,025,000 | $211,571 |
Sandpoint's most frequently cited loan purpose was Home Purchase, with 805 originations. The 2nd most popular reason was Cash Out Refi, with 459 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 515 | $227,335,000 | $441,427 |
| 4-5% | 474 | $190,160,000 | $401,181 |
| 5-6% | 411 | $159,345,000 | $387,701 |
| 6-7% | 265 | $75,755,000 | $285,868 |
| 2.5-3% | 146 | $50,370,000 | $345,000 |
| 7-8% | 98 | $23,140,000 | $236,122 |
| <2.5% | 44 | $16,850,000 | $382,955 |
| Over 8% | 36 | $7,050,000 | $195,833 |
During 2022, Sandpoint's most frequently originated rate bucket was 3-4%, with 515 originations.
Loan Sizing (Sandpoint, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 694 | $203,650,000 | $293,444 |
| $400k-600k | 404 | $194,560,000 | $481,584 |
| $100k-200k | 313 | $45,215,000 | $144,457 |
| $100,000 or less | 298 | $16,410,000 | $55,067 |
| $600k-1000k | 203 | $145,545,000 | $716,970 |
| $Over $1MM | 84 | $147,880,000 | $1,760,476 |
Sandpoint's loan sizing saw the bucket of loans from $200k-400k with 694 originations, totaling $203,650,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 493 | $295,635,000 | $599,665 |
| Under 20% | 399 | $35,715,000 | $89,511 |
| 40-60% | 392 | $158,840,000 | $405,204 |
| 20-40% | 363 | $94,445,000 | $260,179 |
| 80-100% | 326 | $158,290,000 | $485,552 |
| Over 100% | 13 | $6,335,000 | $487,308 |
Sandpoint's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 493 originations, totaling $295,635,000 in origination value.