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 6.25% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.01% and one month ago for the week of 2024-08-29, the average rate was 6.38%.

Sandpoint's average rate one year ago was 7.24%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.62%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Sandpoint 30 Year Fixed Rate 2024-10-03 6.25%
Sandpoint 30 Year Fixed Rate Refi 2024-10-03 6.62%
Sandpoint 15 Year Fixed Rate 2024-10-03 5.05%
Sandpoint 15 Year Fixed Rate Refi 2024-10-03 5.75%
Sandpoint 30 Year FHA 2024-10-03 6.09%
Sandpoint 30 Year FHA Refi 2024-10-03 5.89%
Sandpoint 30 Year USDA 2024-10-03 5.77%
Sandpoint 30 Year USDA Refi 2024-10-03 6.17%
Sandpoint 30 Year VA 2024-10-03 5.6%
Sandpoint 30 Year VA Refi 2024-10-03 5.6%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Glacier Bank 74 6.74% $11,835
Willamette Valley Bank 46 6.57% $10,869
QUICKEN LOANS, LLC 33 6.58% $9,188
IDAHO CENTRAL 25 6.86% $8,271
UNITED WHOLESALE MORTGAGE, LLC 19 7.02% $9,730
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 15 7.07% $13,523
U.S. Bank 13 6.61% $8,473
PRIMELENDING, A PLAINSCAPITAL COMPANY 11 6.65% $8,863
GUARANTEED RATE, INC. 10 6.66% $6,777
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 10 7.22% $9,692
LOANDEPOT.COM, LLC 9 6.65% $11,108
PRIORITY HOME LENDING, LLC 8 6.64% $9,326
Boeing Employees Credit Union 8 6.86% $13,044
EVERETT FINANCIAL, INC. 7 6.95% $10,471
NUMERICA CREDIT UNION 7 6.57% $14,741
SPOKANE TEACHERS 7 6.73% $11,006
Umpqua Bank 7 7.02% $7,901
Sunflower Bank 7 6.82% $10,609
Potlatch No. 1 Financial Credit Union 7 6.75% $8,215
MOVEMENT MORTGAGE, LLC 6 6.68% $13,650
JPMorgan Chase Bank 6 7.02% $9,288
Wells Fargo Bank 6 6.46% $9,368
CMG MORTGAGE, INC. 6 7.18% $10,497
Alaska USA Federal Credit Union 5 6.43% $6,374
Wheatland Bank 4 7.06% $8,118
Washington Trust Bank 4 6.66% $9,731
AMERICAN PACIFIC MORTGAGE CORPORATION 4 7.13% $6,610
MUTUAL OF OMAHA MORTGAGE, INC. 4 6.22% $14,686
T2 FINANCIAL LLC 3 6.71% $10,167
PREMIER MORTGAGE RESOURCES, L.L.C. 3 6.92% $8,591
Paramount Residential Mortgage Group, Inc. 3 7.21% $13,133
NAVY FEDERAL CREDIT UNION 3 6.21% $3,095
GUILD MORTGAGE COMPANY 3 7.21% $10,315
Citibank 3 4.75% $8,780
1st Security Bank of Washington 3 6.42% $17,605
CROSSCOUNTRY MORTGAGE, LLC 3 7.33% $10,332
Banner Bank 3 6.58% $10,688
RED CANOE CREDIT UNION 3 6.17% $15,519
Commerce Home Mortgage, Inc. 2 9.50% $18,042
American Mortgage & Equity Consultants, Inc. 2 7.44% $12,479
AMERISAVE MORTGAGE CORPORATION 2 5.87% $19,949
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 7.12% $11,730
BETTER MORTGAGE CORPORATION 2 5.69% $8,793
BMO Harris Bank 2 6.25% $20,998
CARDINAL FINANCIAL 2 6.56% $15,551
Charles Schwab Bank, SSB 2 5.88% $3,807
DEEPHAVEN MORTGAGE LLC 2 8.06% $12,591
ENVOY MORTGAGE, LTD 2 7.44% $7,852
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.81% $11,503
First National Bank of America 2 9.88% $19,382
Flagstar Bank, FSB 2 6.00% $8,701
Heritage Bank 2 5.81% $7,008
Ixonia Bank 2 6.81% $4,689
LENDSURE MORTGAGE CORP. 2 7.87% $33,257
Morgan Stanley Private Bank 2 5.43% $3,446
Northwest Farm Credit Services, FLCA 2 7.28% $9,113
PENNYMAC LOAN SERVICES, LLC 2 6.88% $16,619
Platinum Home Mortgage Corporation 2 6.69% $8,512
The Loan Store, Inc. 2 7.25% $10,006
NOVA FINANCIAL & INVESTMENT CORPORATION 1 8.13% $7,419
LAKEVIEW LOAN SERVICING, LLC 1 6.99% $8,559
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.63% $10,915
LADERA LENDING, INC. 1 6.99% $17,302
AmeriHome Mortgage Company, LLC 1 5.00% $5,786
Plains Commerce Bank 1 6.75% $5,557
PLANET HOME LENDING, LLC 1 9.75% $12,381
A&D Mortgage LLC 1 7.13% $7,547
KeyBank 1 6.25% $4,810
PREMIER LENDING, INC. 1 7.88% $11,917
ITHINK FINANCIAL Credit Union 1 7.25% $10,652
HORIZON 1 5.88% $4,628
GESA 1 7.50% $14,047
FREEDOM MORTGAGE CORPORATION 1 6.38% $7,540
Fidelity Bank 1 6.88% $5,910
S1L, Inc. 1 7.63% $6,650
Sierra Pacific Mortgage Company, Inc. 1 7.63% $4,291
Farmers Bank & Trust 1 6.25% $5,243
Stifel Bank and Trust 1 6.63% $4,115
CORNERSTONE HOME LENDING, INC. 1 7.38% $15,145
Citadel Servicing Corporation 1 7.62% $21,652
Zions Bank 1 7.29% $3,922
TRISTAR FINANCE, INC. 1 6.99% $6,596
CHURCHILL MORTGAGE CORPORATION 1 7.13% $4,705
UNION HOME MORTGAGE CORP. 1 7.13% $12,660
Century Mortgage Company DBA Century Lending Company 1 7.38% $11,561
BROKER SOLUTIONS, INC. 1 8.13% $14,626
Washington Federal Bank 1 7.88% $10,494
BOKF 1 6.88% $7,325
LEADERONE FINANCIAL CORPORATION 1 6.99% $9,128
NEWREZ LLC 1 7.38% $9,103
NFM, INC. 1 5.88% $5,693
Bank of America 1 6.25% $9,188

Sandpoint Average Closing Costs & Other Stats

Sandpoint, ID's 92 lenders originated 1,164 loans during 2023. The total origination value was $408,320,000, with an average loan value of $350,790.

Sandpoint's average closing costs are $6,878.

The top Sandpoint lender as defined by loan originations is Glacier Bank, with 74 loans originated. Their average total fees are $11,835, which is $966 higher than the next largest lender, Willamette Valley Bank.

The lowest fee Sandpoint lenders (with over 10 loans originated) are GUARANTEED RATE, INC. ($6,777), IDAHO CENTRAL ($8,271), U.S. Bank ($8,473), PRIMELENDING, A PLAINSCAPITAL COMPANY ($8,863) and QUICKEN LOANS, LLC ($9,188).

The lowest rate Sandpoint lenders (with over 10 loans originated) are Willamette Valley Bank (6.57%), QUICKEN LOANS, LLC (6.58%), U.S. Bank (6.61%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.65%) and GUARANTEED RATE, INC. (6.66%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Glacier Bank $112,830,000 $53,160,000 -52.9% 13.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $32,030,000 $23,335,000 -27.1% 5.7%
Willamette Valley Bank $34,325,000 $20,535,000 -40.2% 5.0%
IDAHO CENTRAL $29,265,000 $19,775,000 -32.4% 4.8%
QUICKEN LOANS, LLC $28,965,000 $15,430,000 -46.7% 3.8%
U.S. Bank $21,370,000 $13,885,000 -35.0% 3.4%
Washington Trust Bank $20,175,000 $13,865,000 -31.3% 3.4%
UNITED WHOLESALE MORTGAGE, LLC $16,845,000 $13,230,000 -21.5% 3.2%
SPOKANE TEACHERS $29,480,000 $11,665,000 -60.4% 2.9%
Boeing Employees Credit Union $3,220,000 $8,500,000 164.0% 2.1%
Potlatch No. 1 Financial Credit Union $17,710,000 $7,965,000 -55.0% 2.0%
Umpqua Bank $11,135,000 $7,930,000 -28.8% 1.9%
NUMERICA CREDIT UNION $15,980,000 $7,710,000 -51.8% 1.9%
GUARANTEED RATE, INC. $20,930,000 $7,080,000 -66.2% 1.7%
BMO Harris Bank $580,000 $6,200,000 969.0% 1.5%
LOANDEPOT.COM, LLC $12,510,000 $5,880,000 -53.0% 1.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $11,440,000 $5,800,000 -49.3% 1.4%
Banner Bank $6,915,000 $5,745,000 -16.9% 1.4%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $2,855,000 $5,210,000 82.5% 1.3%
NAVY FEDERAL CREDIT UNION $2,460,000 $5,005,000 103.5% 1.2%
UBS Bank USA $1,450,000 $4,535,000 212.8% 1.1%
CMG MORTGAGE, INC. $1,210,000 $4,485,000 270.7% 1.1%
Wells Fargo Bank $14,660,000 $4,450,000 -69.6% 1.1%
JPMorgan Chase Bank $9,715,000 $4,335,000 -55.4% 1.1%
MUTUAL OF OMAHA MORTGAGE, INC. $4,190,000 $4,315,000 3.0% 1.1%
PRIORITY HOME LENDING, LLC $1,095,000 $4,100,000 274.4% 1.0%
MOVEMENT MORTGAGE, LLC $1,110,000 $3,875,000 249.1% 0.9%
Citibank $3,835,000 n/a 0.9%
Bank of America $4,425,000 $3,735,000 -15.6% 0.9%
EVERETT FINANCIAL, INC. $1,025,000 $3,725,000 263.4% 0.9%
Sunflower Bank $3,720,000 $3,540,000 -4.8% 0.9%
Flagstar Bank, FSB $7,225,000 $3,240,000 -55.2% 0.8%
PREMIER MORTGAGE RESOURCES, L.L.C. $6,965,000 $2,990,000 -57.1% 0.7%
HORIZON $8,325,000 $2,985,000 -64.1% 0.7%
1st Security Bank of Washington $2,035,000 $2,775,000 36.4% 0.7%
AMERICAN PACIFIC MORTGAGE CORPORATION $12,270,000 $2,775,000 -77.4% 0.7%
First Interstate Bank $15,015,000 $2,710,000 -82.0% 0.7%
FINANCE OF AMERICA REVERSE LLC $2,525,000 $2,660,000 5.3% 0.7%
Commerce Home Mortgage, Inc. $1,865,000 $2,525,000 35.4% 0.6%
Heritage Bank $2,520,000 n/a 0.6%
GESA $11,165,000 $2,470,000 -77.9% 0.6%
Platinum Home Mortgage Corporation $5,320,000 $2,350,000 -55.8% 0.6%
PLANET HOME LENDING, LLC $235,000 $2,290,000 874.5% 0.6%
Mortgage Research Center, LLC $2,455,000 $2,155,000 -12.2% 0.5%
LENDSURE MORTGAGE CORP. $995,000 $2,045,000 105.5% 0.5%
PENNYMAC LOAN SERVICES, LLC $3,970,000 $2,030,000 -48.9% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $3,085,000 $2,005,000 -35.0% 0.5%
American Mortgage & Equity Consultants, Inc. $1,950,000 n/a 0.5%
Paramount Residential Mortgage Group, Inc. $2,015,000 $1,940,000 -3.7% 0.5%
Washington Federal Bank $10,185,000 $1,885,000 -81.5% 0.5%
T2 FINANCIAL LLC $1,310,000 $1,865,000 42.4% 0.5%
Alaska USA Federal Credit Union $5,265,000 $1,715,000 -67.4% 0.4%
Cache Valley Bank $1,635,000 n/a 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,680,000 $1,595,000 -76.1% 0.4%
GUILD MORTGAGE COMPANY $4,195,000 $1,550,000 -63.1% 0.4%
DEEPHAVEN MORTGAGE LLC $1,330,000 n/a 0.3%
RED CANOE CREDIT UNION $35,000 $1,315,000 3,657.1% 0.3%
First National Bank of America $1,240,000 n/a 0.3%
Wheatland Bank $1,230,000 n/a 0.3%
ACADEMY MORTGAGE CORPORATION $3,445,000 $1,195,000 -65.3% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $3,030,000 $1,175,000 -61.2% 0.3%
Morgan Stanley Private Bank $1,160,000 n/a 0.3%
CARDINAL FINANCIAL $1,055,000 $1,125,000 6.6% 0.3%
AMERISAVE MORTGAGE CORPORATION $2,490,000 $1,105,000 -55.6% 0.3%
Charles Schwab Bank, SSB $325,000 $1,040,000 220.0% 0.3%
AmeriHome Mortgage Company, LLC $365,000 $1,015,000 178.1% 0.2%
Northpointe Bank $420,000 $985,000 134.5% 0.2%
Stifel Bank and Trust $1,915,000 $975,000 -49.1% 0.2%
The Loan Store, Inc. $920,000 n/a 0.2%
BROKER SOLUTIONS, INC. $2,415,000 $880,000 -63.6% 0.2%
MOUNTAIN AMERICA $855,000 $875,000 2.3% 0.2%
KeyBank $2,760,000 $830,000 -69.9% 0.2%
FIRST TECHNOLOGY $815,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $505,000 $785,000 55.4% 0.2%
NEWREZ LLC $1,380,000 $760,000 -44.9% 0.2%
Northwest Farm Credit Services, FLCA $325,000 $760,000 133.8% 0.2%
Citadel Servicing Corporation $755,000 n/a 0.2%
CORNERSTONE HOME LENDING, INC. $605,000 $745,000 23.1% 0.2%
FREEDOM MORTGAGE CORPORATION $2,055,000 $740,000 -64.0% 0.2%
BOKF $325,000 $725,000 123.1% 0.2%
NOVA FINANCIAL & INVESTMENT CORPORATION $725,000 n/a 0.2%
Century Mortgage Company DBA Century Lending Company $1,590,000 $720,000 -54.7% 0.2%
USAA Federal Savings Bank $1,640,000 $710,000 -56.7% 0.2%
PREMIER LENDING, INC. $345,000 $650,000 88.4% 0.2%
BETTER MORTGAGE CORPORATION $1,290,000 $620,000 -51.9% 0.2%
Zions Bank $1,470,000 $620,000 -57.8% 0.2%
PACIFIC RESIDENTIAL MORTGAGE, LLC $355,000 $555,000 56.3% 0.1%
ENVOY MORTGAGE, LTD $445,000 $540,000 21.3% 0.1%
NFM, INC. $545,000 $540,000 -0.9% 0.1%
LONGBRIDGE FINANCIAL, LLC $830,000 $510,000 -38.6% 0.1%
BAY EQUITY LLC $1,805,000 $495,000 -72.6% 0.1%
Discover Bank $400,000 $490,000 22.5% 0.1%
S1L, Inc. $1,400,000 $485,000 -65.4% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,050,000 $460,000 -56.2% 0.1%
Farmers Bank & Trust $435,000 n/a 0.1%
Ixonia Bank $430,000 n/a 0.1%
HomeTrust Bank $510,000 $410,000 -19.6% 0.1%
ITHINK FINANCIAL Credit Union $395,000 n/a 0.1%
SUMMIT FUNDING, INC. $795,000 $395,000 -50.3% 0.1%
AXIA FINANCIAL, LLC $385,000 n/a 0.1%
GSF Mortgage Corporation $385,000 n/a 0.1%
MANN FINANCIAL INC. $4,295,000 $385,000 -91.0% 0.1%
Fidelity Bank $365,000 n/a 0.1%
LADERA LENDING, INC. $205,000 $365,000 78.0% 0.1%
PNC Bank $170,000 $360,000 111.8% 0.1%
PHH Mortgage Corporation $1,290,000 $350,000 -72.9% 0.1%
TRISTAR FINANCE, INC. $335,000 $345,000 3.0% 0.1%
LEADERONE FINANCIAL CORPORATION $990,000 $325,000 -67.2% 0.1%
Summit Mortgage Corporation $315,000 n/a 0.1%
TOP FLITE FINANCIAL, INC. $290,000 n/a 0.1%
ON Q FINANCIAL, INC. $405,000 $285,000 -29.6% 0.1%
Wallick & Volk, Inc. $2,005,000 $285,000 -85.8% 0.1%
UNION HOME MORTGAGE CORP. $275,000 n/a 0.1%
SUMMIT MORTGAGE CORPORATION $265,000 n/a 0.1%
A&D Mortgage LLC $255,000 n/a 0.1%
SPOKANE FIREFIGHTERS CREDIT UNION $45,000 $255,000 466.7% 0.1%
Avista Corporation Credit Union $285,000 $250,000 -12.3% 0.1%
CLEARPATH LENDING $235,000 n/a 0.1%
The Federal Savings Bank $495,000 $235,000 -52.5% 0.1%
21ST MORTGAGE CORPORATION $330,000 $230,000 -30.3% 0.1%
MID AMERICA MORTGAGE, INC. $325,000 $215,000 -33.8% 0.1%
Plains Commerce Bank $215,000 n/a 0.1%
GTE Federal Credit Union $410,000 $210,000 -48.8% 0.1%
Carrington Mortgage Services, LLC $465,000 $195,000 -58.1% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $1,160,000 $190,000 -83.6% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $455,000 $175,000 -61.5% 0.0%
WASHINGTON STATE EMPLOYEES Credit Union $640,000 $175,000 -72.7% 0.0%
PENTAGON FEDERAL CREDIT UNION $1,210,000 $170,000 -86.0% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $165,000 n/a 0.0%
ALLIANT CREDIT UNION $155,000 n/a 0.0%
LAKEVIEW LOAN SERVICING, LLC $480,000 $145,000 -69.8% 0.0%
NEW DAY FINANCIAL, LLC $2,195,000 $145,000 -93.4% 0.0%
AMERICA FIRST $600,000 $135,000 -77.5% 0.0%
AMERICAN FINANCING CORPORATION $1,560,000 $105,000 -93.3% 0.0%
Figure Lending LLC $410,000 $95,000 -76.8% 0.0%
Baxter Credit Union $85,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $4,685,000 $85,000 -98.2% 0.0%
Coastal Community Bank $80,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $65,000 n/a 0.0%
WESTMARK Credit Union $65,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $2,300,000 $55,000 -97.6% 0.0%
THRIVENT Federal Credit Union $55,000 n/a 0.0%
LOS ANGELES POLICE Federal Credit Union $290,000 $35,000 -87.9% 0.0%
American Airlines Federal Credit Union $25,000 n/a 0.0%

Sandpoint's top lender by overall market share is Glacier Bank, with 13.0% market share. In second place, with 5.7%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $23,335,000 in loans. In third place, with 5.0%, is Willamette Valley Bank, having originated $20,535,000 in loans. In fourth place, with 4.8%, is IDAHO CENTRAL, having originated $19,775,000 in loans. In fifth place, with 3.8%, is QUICKEN LOANS, LLC, having originated $15,430,000 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 $359,250 (-2.6%) $529,361 (-7.4%) 0.00 361
2018-02-01 $359,000 (2.6%) $540,038 (-2.6%) 0.00 370
2018-03-01 $369,000 (-0.8%) $571,746 (0.2%) 0.00 403
2018-04-01 $377,000 (4.1%) $570,435 (0.4%) 0.00 441
2018-05-01 $379,000 (4.1%) $574,695 (4.1%) 0.00 514
2018-06-01 $395,500 (7.7%) $592,223 (7.4%) 0.00 606
2018-07-01 $398,000 (6.1%) $596,923 (8.8%) 0.00 640
2018-08-01 $425,000 (9.3%) $629,462 (11.3%) 0.00 715
2018-09-01 $399,900 (9.6%) $653,240 (15.2%) 0.00 612
2018-10-01 $397,625 (8.7%) $640,390 (14.7%) 0.00 562
2018-11-01 $397,225 (7.7%) $640,182 (16.3%) 0.00 490
2018-12-01 $399,000 (8.1%) $683,261 (27.8%) 0.00 429
2019-01-01 $404,500 (12.6%) $791,479 (49.5%) 0.00 342
2019-02-01 $436,150 (21.5%) $865,671 (60.3%) 0.00 306
2019-03-01 $449,386 (21.8%) $859,009 (50.2%) 0.00 317
2019-04-01 $449,950 (19.4%) $809,459 (41.9%) 0.00 349
2019-05-01 $453,675 (19.7%) $786,170 (36.8%) 0.00 404
2019-06-01 $449,900 (13.8%) $762,387 (28.7%) 0.00 481
2019-07-01 $450,000 (13.1%) $739,031 (23.8%) 0.00 555
2019-08-01 $466,018 (9.7%) $758,561 (20.5%) 0.00 526
2019-09-01 $467,695 (17.0%) $777,293 (19.0%) 0.00 467
2019-10-01 $469,415 (18.1%) $802,431 (25.3%) 0.00 412
2019-11-01 $479,000 (20.6%) $835,019 (30.4%) 0.00 361
2019-12-01 $527,450 (32.2%) $899,823 (31.7%) 0.00 337
2020-01-01 $548,000 (35.5%) $919,337 (16.2%) 0.00 282
2020-02-01 $529,000 (21.3%) $928,983 (7.3%) 0.00 274
2020-03-01 $546,475 (21.6%) $961,167 (11.9%) 0.00 271
2020-04-01 $525,750 (16.9%) $918,457 (13.5%) 0.00 306
2020-05-01 $529,700 (16.8%) $905,981 (15.2%) 0.00 326
2020-06-01 $554,500 (23.3%) $906,796 (18.9%) 0.00 352
2020-07-01 $576,311 (28.1%) $965,398 (30.6%) 0.00 342
2020-08-01 $597,000 (28.1%) $1,045,947 (37.9%) 0.00 300
2020-09-01 $594,500 (27.1%) $1,069,877 (37.6%) 0.00 234
2020-10-01 $634,000 (35.1%) $1,155,678 (44.0%) 0.00 197
2020-11-01 $684,225 (42.8%) $1,411,443 (69.0%) 0.00 149
2020-12-01 $779,500 (47.8%) $1,615,612 (79.6%) 0.00 120
2021-01-01 $813,000 (48.4%) $1,771,993 (92.8%) 0.00 87
2021-02-01 $794,225 (50.1%) $1,855,868 (99.8%) 0.00 78
2021-03-01 $698,225 (27.8%) $1,811,959 (88.5%) 0.00 76
2021-04-01 $696,225 (32.4%) $1,734,015 (88.8%) 0.00 93
2021-05-01 $726,000 (37.1%) $1,529,108 (68.8%) 0.00 134
2021-06-01 $764,925 (38.0%) $1,279,522 (41.1%) 0.00 190
2021-07-01 $707,500 (22.8%) $1,114,574 (15.5%) 0.00 277
2021-08-01 $750,000 (25.6%) $1,115,062 (6.6%) 0.00 284
2021-09-01 $749,675 (26.1%) $1,178,106 (10.1%) 0.00 287
2021-10-01 $748,500 (18.1%) $1,291,544 (11.8%) 0.00 232
2021-11-01 $739,700 (8.1%) $1,265,178 (-10.4%) 0.00 167
2021-12-01 $742,000 (-4.8%) $1,321,001 (-18.2%) 0.00 133
2022-01-01 $799,000 (-1.7%) $1,365,300 (-23.0%) 0.00 83
2022-02-01 $905,725 (14.0%) $1,337,696 (-27.9%) 0.00 88
2022-03-01 $969,225 (38.8%) $1,353,402 (-25.3%) 0.00 105
2022-04-01 $875,000 (25.7%) $1,247,237 (-28.1%) 0.00 142
2022-05-01 $839,450 (15.6%) $1,247,709 (-18.4%) 0.00 242
2022-06-01 $832,000 (8.8%) $1,218,526 (-4.8%) 0.00 370
2022-07-01 $799,900 (13.1%) $1,245,680 (11.8%) 0.00 465
2022-08-01 $825,000 (10.0%) $1,244,957 (11.7%) 0.00 498
2022-09-01 $817,000 (9.0%) $1,254,952 (6.5%) 0.00 471
2022-10-01 $799,000 (6.8%) $1,221,161 (-5.5%) 0.00 438
2022-11-01 $799,500 (8.1%) $1,190,100 (-5.9%) 0.00 366
2022-12-01 $799,999 (7.8%) $1,207,057 (-8.6%) 0.00 324
2023-01-01 $842,450 (5.4%) $1,233,379 (-9.7%) 0.00 269
2023-02-01 $849,000 (-6.3%) $1,254,051 (-6.3%) 0.00 264
2023-03-01 $849,700 (-12.3%) $1,280,440 (-5.4%) 0.00 258
2023-04-01 $864,900 (-1.2%) $1,296,628 (4.0%) 0.00 256
2023-05-01 $797,000 (-5.1%) $1,208,488 (-3.1%) 0.00 343
2023-06-01 $796,250 (-4.3%) $1,222,987 (0.4%) 0.00 450
2023-07-01 $775,000 (-3.1%) $1,208,448 (-3.0%) 0.00 512
2023-08-01 $768,000 (-6.9%) $1,198,275 (-3.8%) 0.00 527
2023-09-01 $772,500 (-5.5%) $1,199,022 (-4.5%) 0.00 491
2023-10-01 $787,500 (-1.4%) $1,222,004 (0.1%) 0.00 446
2023-11-01 $792,000 (-0.9%) $1,274,611 (7.1%) 0.00 369
2023-12-01 $829,000 (3.6%) $1,250,608 (3.6%) 0.00 328
2024-01-01 $829,500 (-1.5%) $1,253,142 (1.6%) 0.00 309
2024-02-01 $799,450 (-5.8%) $1,252,025 (-0.2%) 0.00 269
2024-03-01 $822,500 (-3.2%) $1,307,439 (2.1%) 0.00 294
2024-04-01 $805,750 (-6.8%) $1,242,803 (-4.2%) 0.00 356
2024-05-01 $799,000 (0.3%) $1,249,176 (3.4%) 0.00 426
2024-06-01 $769,000 (-3.4%) $1,226,402 (0.3%) 0.00 497
2024-07-01 $766,000 (-1.2%) $1,211,027 (0.2%) 0.00 558
2024-08-01 $784,000 (2.1%) $1,243,564 (3.8%) 0.00 569
2024-09-01 $788,000 (2.0%) $1,275,823 (6.4%) 0.00 559
Sandpoint's median listing price for 2024-09-01 was $788,000, a difference of $15,500 (2.0%) versus the prior year and $4,000 versus the prior month.

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

Sandpoint's average listing price for 2024-09-01 was $1,275,823, a difference of $76,801 (6.4%) versus the prior year and $32,259 versus the prior month.

For the 2024-09-01 period, Sandpoint had 559 MLS listings, a difference of -10 listings (-2%) versus the prior month and 68 listings (14%) 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 1,854 sqft
2018-03-01 0 days 1,876 sqft
2018-04-01 0 days 1,884 sqft
2018-05-01 0 days 1,886 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 2,050 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 2,069 sqft
2019-04-01 0 days 2,017 sqft
2019-05-01 0 days 2,080 sqft
2019-06-01 0 days 2,050 sqft
2019-07-01 0 days 1,988 sqft
2019-08-01 0 days 2,041 sqft
2019-09-01 0 days 2,122 sqft
2019-10-01 0 days 2,211 sqft
2019-11-01 0 days 2,112 sqft
2019-12-01 0 days 1,964 sqft
2020-01-01 0 days 1,899 sqft
2020-02-01 0 days 1,897 sqft
2020-03-01 0 days 1,990 sqft
2020-04-01 0 days 1,970 sqft
2020-05-01 0 days 2,025 sqft
2020-06-01 0 days 2,065 sqft
2020-07-01 0 days 2,140 sqft
2020-08-01 0 days 2,100 sqft
2020-09-01 0 days 2,075 sqft
2020-10-01 0 days 2,216 sqft
2020-11-01 0 days 2,325 sqft
2020-12-01 0 days 2,339 sqft
2021-01-01 0 days 2,240 sqft
2021-02-01 0 days 2,256 sqft
2021-03-01 0 days 2,176 sqft
2021-04-01 0 days 2,109 sqft
2021-05-01 0 days 2,139 sqft
2021-06-01 0 days 2,009 sqft
2021-07-01 0 days 2,010 sqft
2021-08-01 0 days 2,020 sqft
2021-09-01 0 days 2,032 sqft
2021-10-01 0 days 2,001 sqft
2021-11-01 0 days 1,936 sqft
2021-12-01 0 days 1,967 sqft
2022-01-01 0 days 2,000 sqft
2022-02-01 0 days 1,983 sqft
2022-03-01 0 days 2,071 sqft
2022-04-01 0 days 1,988 sqft
2022-05-01 0 days 1,921 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 2,027 sqft
2022-11-01 0 days 1,982 sqft
2022-12-01 0 days 1,867 sqft
2023-01-01 0 days 1,858 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 1,999 sqft
2023-06-01 0 days 2,012 sqft
2023-07-01 0 days 1,936 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
2023-11-01 0 days 2,021 sqft
2023-12-01 0 days 2,016 sqft
2024-01-01 0 days 2,004 sqft
2024-02-01 0 days 1,900 sqft
2024-03-01 0 days 1,915 sqft
2024-04-01 0 days 1,896 sqft
2024-05-01 0 days 1,890 sqft
2024-06-01 0 days 1,834 sqft
2024-07-01 0 days 1,860 sqft
2024-08-01 0 days 1,896 sqft
2024-09-01 0 days 1,913 sqft
Sandpoint's median listing age (time on market) for 2024-09-01 was 0 days.

Sandpoint's median square footage for active listings during the 2024-09-01 period was 1,913 sqft. One year prior, the average listing was 1,936 sqft.

Sandpoint, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 574 $260,720,000 $454,216
Home Improvement 185 $29,965,000 $161,973
Cash Out Refi 168 $49,140,000 $292,500
Other 143 $39,445,000 $275,839
Refi 94 $29,050,000 $309,043

Sandpoint's most frequently cited loan purpose was Home Purchase, with 574 originations. The 2nd most popular reason was Home Improvement, with 185 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 367 $158,835,000 $432,793
Over 8% 319 $60,665,000 $190,172
7-8% 269 $107,405,000 $399,275
5-6% 154 $66,180,000 $429,740
4-5% 32 $10,150,000 $317,188
3-4% 4 $880,000 $220,000

During 2023, Sandpoint's most frequently originated rate bucket was 6-7%, with 367 originations.

Loan Sizing (Sandpoint, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 397 $118,825,000 $299,307
$400k-600k 210 $101,540,000 $483,524
$100,000 or less 208 $11,260,000 $54,135
$100k-200k 195 $27,325,000 $140,128
$600k-1000k 115 $84,325,000 $733,261
$Over $1MM 39 $65,045,000 $1,667,821

Sandpoint's loan sizing saw the bucket of loans from $200k-400k with 397 originations, totaling $118,825,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
Under 20% 280 $24,820,000 $88,643
60-80% 264 $140,960,000 $533,939
80-100% 207 $102,095,000 $493,213
40-60% 202 $86,560,000 $428,515
20-40% 181 $43,015,000 $237,652
Over 100% 5 $3,965,000 $793,000

Sandpoint's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 280 originations, totaling $24,820,000 in origination value.