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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Glacier Bank 115 4.51% $14,117
QUICKEN LOANS, LLC 63 4.56% $8,834
Willamette Valley Bank 60 4.85% $9,546
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 52 5.11% $9,279
IDAHO CENTRAL 32 4.88% $8,521
Wells Fargo Bank 30 4.10% $5,812
SPOKANE TEACHERS 29 4.62% $7,544
GUARANTEED RATE, INC. 29 4.35% $7,617
UNITED WHOLESALE MORTGAGE, LLC 27 4.85% $8,560
U.S. Bank 24 4.48% $7,956
AMERICAN PACIFIC MORTGAGE CORPORATION 22 4.41% $7,778
Columbia State Bank 21 4.48% $7,249
PRIMELENDING, A PLAINSCAPITAL COMPANY 19 5.04% $8,881
CALIBER HOME LOANS, INC. 18 4.50% $6,361
LOANDEPOT.COM, LLC 18 4.25% $8,355
Washington Trust Bank 15 4.03% $8,486
Umpqua Bank 15 4.77% $7,271
Potlatch No. 1 Financial Credit Union 14 4.42% $5,000
NUMERICA CREDIT UNION 13 4.38% $13,495
JPMorgan Chase Bank 12 4.15% $7,993
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 5.04% $10,041
PREMIER MORTGAGE RESOURCES, L.L.C. 11 4.98% $10,797
Platinum Home Mortgage Corporation 11 5.03% $8,756
HORIZON 11 4.99% $8,041
Flagstar Bank, FSB 9 4.80% $7,957
Sierra Pacific Mortgage Company, Inc. 7 5.39% $7,960
First Interstate Bank 7 4.73% $9,415
Washington Federal Bank 6 4.08% $13,181
Sunflower Bank 6 4.63% $8,718
GUILD MORTGAGE COMPANY 6 4.21% $13,008
PENNYMAC LOAN SERVICES, LLC 6 4.00% $7,704
Mr. Cooper ( Nationstar Mortgage ) 6 3.97% $14,583
Boeing Employees Credit Union 5 4.30% $5,076
Paramount Residential Mortgage Group, Inc. 5 5.65% $8,855
Bank of America 5 3.70% $5,810
Alaska USA Federal Credit Union 5 4.28% $6,697
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 5.90% $11,721
AMERISAVE MORTGAGE CORPORATION 5 4.78% $12,450
CROSSCOUNTRY MORTGAGE, LLC 5 5.14% $11,247
MUTUAL OF OMAHA MORTGAGE, INC. 5 5.38% $8,669
T2 FINANCIAL LLC 4 5.34% $7,491
GESA 4 3.50% $10,489
HOMEBRIDGE FINANCIAL SERVICES, INC. 4 4.38% $7,769
MANN FINANCIAL INC. 4 3.78% $12,579
NBKC BANK 4 4.34% $5,250
FINANCE OF AMERICA MORTGAGE LLC 3 4.71% $9,239
Banner Bank 3 4.83% $10,713
CARDINAL FINANCIAL 3 5.62% $7,161
Truist 3 3.83% $9,332
ACADEMY MORTGAGE CORPORATION 3 5.50% $12,700
KeyBank 3 4.02% $6,437
HOMESIDE FINANCIAL, LLC 3 5.17% $10,911
Waterstone Mortgage Corporation 3 4.75% $9,835
NEWREZ LLC 2 5.25% $9,829
City National Bank 2 4.14% $5,548
North American Savings Bank, F.S.B. 2 3.19% $2,733
Northpointe Bank 2 5.12% $7,439
Stifel Bank and Trust 2 3.19% $4,510
Gateway First Bank 2 5.38% $4,307
1st Security Bank of Washington 2 4.44% $9,266
First Guaranty Mortgage Corporation 2 4.13% $8,530
UBS Bank USA 2 3.00% $5,425
Century Mortgage Company DBA Century Lending Company 2 5.00% $4,290
BAY EQUITY LLC 2 5.19% $9,752
HOME POINT FINANCIAL CORPORATION 2 3.19% $12,564
FirstBank 2 3.81% $6,199
Hometown Lenders, Inc. 2 4.75% $10,633
LEADERONE FINANCIAL CORPORATION 2 5.43% $10,938
WASHINGTON STATE EMPLOYEES Credit Union 2 5.19% $6,533
CHURCHILL MORTGAGE CORPORATION 2 7.00% $11,355
BETTER MORTGAGE CORPORATION 2 3.13% $4,388
MOVEMENT MORTGAGE, LLC 2 5.97% $11,870
PRIORITY HOME LENDING, LLC 2 6.13% $7,604
S1L, Inc. 2 4.88% $11,496
FREEDOM MORTGAGE CORPORATION 2 3.31% $11,646
CMG MORTGAGE, INC. 2 5.13% $14,301
PREMIER LENDING, INC. 1 4.25% $5,412
Barrington Bank & Trust Company, N.A. 1 5.49% $6,422
Qualstar Credit Union 1 6.88% $9,084
Quontic Bank 1 7.75% $11,717
RANLIFE, INC. 1 5.00% $7,363
SAMMAMISH MORTGAGE COMPANY 1 4.25% $15,885
Bank of the West 1 3.50% $8,308
Silicon Valley Bank 1 2.88% $9,723
Simmons Bank 1 3.13% $2,647
Bank of England 1 4.38% $9,254
STEARNS LENDING, LLC 1 3.75% $2,529
Arvest Bank 1 4.50% $13,038
UMB Bank 1 4.14% $4,088
AmeriHome Mortgage Company, LLC 1 3.75% $4,458
America's Credit Union 1 4.50% $24,098
Wallick & Volk, Inc. 1 3.50% $20,241
AMERICAN FINANCING CORPORATION 1 5.63% $8,529
AMERICA FIRST 1 5.63% $7,441
Ally Bank 1 5.13% $3,656
EVERETT FINANCIAL, INC. 1 6.13% $2,350
ENVOY MORTGAGE, LTD 1 4.38% $8,490
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 3.88% $4,510
AMERICAN INTERNET MORTGAGE, INC. 1 3.75% $4,439
First Internet Bank of Indiana 1 3.63% $4,127
CORNERSTONE HOME LENDING, INC. 1 4.13% $20,136
First Republic Bank 1 2.95% $5,929
First Western Trust Bank 1 4.13% $11,156
Congressional Bank 1 3.75% $5,283
Commerce Home Mortgage, Inc. 1 6.00% $7,601
Goldman Sachs Bank USA 1 5.65% $10,396
Citizens Bank 1 3.88% $5,770
Wyndham Capital Mortgage, Inc. 1 7.00% $4,332
HomeStreet Bank 1 3.63% $8,495
CHERRY CREEK MORTGAGE, LLC 1 5.88% $1,190
IMPAC MORTGAGE CORP. 1 6.50% $3,751
INTERCAP LENDING INC. 1 3.13% $10,564
Charles Schwab Bank, SSB 1 2.50% $6,716
KELLER MORTGAGE, LLC 1 6.88% $11,313
LADERA LENDING, INC. 1 5.50% $10,320
LAKEVIEW LOAN SERVICING, LLC 1 3.75% $2,451
LENDSURE MORTGAGE CORP. 1 6.75% $8,928
Magnolia Bank 1 5.13% $8,139
ZILLOW HOME LOANS, LLC 1 2.75% $11,034
BROKER SOLUTIONS, INC. 1 5.88% $12,109
Zions Bank 1 2.88% $6,832
NFM, INC. 1 6.13% $3,469
Northwest Federal Credit Union 1 6.38% $4,015
BOKF 1 5.88% $7,438
BNC National Bank 1 5.63% $5,021
BMO Harris Bank 1 6.00% $8,411
PENTAGON FEDERAL CREDIT UNION 1 3.50% $9,789
PHH Mortgage Corporation 1 3.13% $7,820
Bell Bank 1 4.75% $6,821

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.

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, 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.