TWIN FALLS Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Twin Falls averaged 6.52% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.21% and one month ago for the week of 2024-11-07, the average rate was 6.61%.

    Twin Falls's average rate one year ago was 6.55%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.97%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Twin Falls 30 Year Fixed Rate 2024-12-12 6.52%
    Twin Falls 30 Year Fixed Rate Refi 2024-12-12 6.97%
    Twin Falls 15 Year Fixed Rate 2024-12-12 6.04%
    Twin Falls 15 Year Fixed Rate Refi 2024-12-12 5.84%
    Twin Falls 30 Year FHA 2024-12-12 5.95%
    Twin Falls 30 Year FHA Refi 2024-12-12 6.08%
    Twin Falls 30 Year USDA 2024-12-12 6.3%
    Twin Falls 30 Year USDA Refi 2024-12-12 6.4%
    Twin Falls 30 Year VA 2024-12-12 5.88%
    Twin Falls 30 Year VA Refi 2024-12-12 5.88%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within TWIN FALLS, ID.

    TWIN FALLS 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 TWIN FALLS, 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
    IDAHO CENTRAL 137 6.47% $6,980
    First Federal Savings Bank of Twin Falls 109 6.25% $7,280
    PREMIER MORTGAGE RESOURCES, L.L.C. 76 6.60% $7,639
    UNITED WHOLESALE MORTGAGE, LLC 59 6.38% $7,706
    QUICKEN LOANS, LLC 53 6.59% $8,127
    GUILD MORTGAGE COMPANY 45 6.61% $8,695
    NFM, INC. 40 6.59% $8,243
    AXIA FINANCIAL, LLC 35 6.55% $7,901
    CORNERSTONE HOME LENDING, INC. 32 6.48% $8,855
    MOVEMENT MORTGAGE, LLC 28 6.90% $8,888
    PIONEER 22 6.22% $5,882
    U.S. Bank 19 6.49% $6,124
    D. L. Evans Bank 13 6.65% $6,168
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 6.63% $8,122
    JPMorgan Chase Bank 8 6.57% $6,423
    Bank of Idaho 6 6.83% $5,765
    Zions Bank 6 6.27% $10,918
    PRIMELENDING, A PLAINSCAPITAL COMPANY 6 7.04% $7,611
    FIRST COLONY MORTGAGE CORPORATION 5 6.80% $7,640
    LOANDEPOT.COM, LLC 4 5.97% $5,816
    Discover Bank 4 6.87% $0
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.63% $8,729
    S1L, Inc. 4 7.06% $10,632
    KeyBank 4 6.28% $5,808
    Flagstar Bank, FSB 3 6.27% $4,479
    Banner Bank 3 6.17% $5,201
    BMO Harris Bank 3 6.58% $5,841
    ACADEMY MORTGAGE CORPORATION 3 6.46% $6,192
    MOUNTAIN AMERICA 3 6.71% $5,803
    MUTUAL OF OMAHA MORTGAGE, INC. 3 7.00% $6,184
    PENNYMAC LOAN SERVICES, LLC 3 6.42% $11,756
    VERITAS FUNDING, LLC 3 7.21% $10,235
    Washington Federal Bank 3 6.67% $5,993
    JMJ FINANCIAL GROUP 2 8.38% $18,142
    The Huntington National Bank 2 6.63% $7,069
    Wells Fargo Bank 2 6.25% $6,640
    CITYWIDE HOME LOANS, LLC 2 6.74% $8,590
    Bank of America 2 6.69% $4,412
    AMERISAVE MORTGAGE CORPORATION 2 6.56% $9,657
    NEWREZ LLC 2 6.43% $10,899
    American Mortgage & Equity Consultants, Inc. 2 6.93% $11,608
    CHURCHILL MORTGAGE CORPORATION 2 7.31% $5,705
    INTERCAP LENDING INC. 2 5.88% $5,301
    Glacier Bank 2 6.56% $5,778
    CANOPY MORTGAGE, LLC 2 5.81% $16,727
    CROSSCOUNTRY MORTGAGE, LLC 2 6.06% $10,529
    WESTMARK Credit Union 2 6.13% $7,418
    CMG MORTGAGE, INC. 2 6.13% $11,116
    Mortgage Research Center, LLC 1 6.50% $4,696
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.88% $6,027
    Waterstone Mortgage Corporation 1 6.25% $12,008
    BETTER MORTGAGE CORPORATION 1 5.88% $9,258
    Mr. Cooper ( Nationstar Mortgage ) 1 6.49% $7,093
    NBKC BANK 1 6.63% $2,494
    Barrington Bank & Trust Company, N.A. 1 7.75% $10,286
    Northwest Farm Credit Services, FLCA 1 7.15% $13,926
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.50% $7,667
    Paramount Residential Mortgage Group, Inc. 1 6.63% $8,395
    Bank of the Pacific 1 6.50% $3,348
    Potlatch No. 1 Financial Credit Union 1 5.63% $3,931
    PREMIA MORTGAGE, LLC 1 6.50% $1,404
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 5.50% $9,405
    RANLIFE, INC. 1 7.49% $7,097
    RESIDENTIAL MORTGAGE, LLC 1 6.75% $3,298
    AMERICAN INTERNET MORTGAGE, INC. 1 5.88% $5,106
    SIRVA MORTGAGE, INC. 1 7.00% $841
    Sunflower Bank 1 6.88% $9,773
    The Central Trust Bank 1 7.50% $2,644
    The Loan Store, Inc. 1 6.38% $12,510
    TRIAD FINANCIAL SERVICES, INC. 1 7.00% $6,095
    AMERICAN FINANCING CORPORATION 1 5.99% $9,796
    Ally Bank 1 7.13% $7,476
    Utah Power 1 6.75% $5,801
    Willamette Valley Bank 1 7.13% $10,609
    Alaska USA Federal Credit Union 1 7.38% $2,917
    DIRECTORS MORTGAGE, INC. 1 8.13% $11,612
    DIGITAL Federal Credit Union 1 6.13% $4,385
    DEEPHAVEN MORTGAGE LLC 1 8.75% $10,581
    Commerce Home Mortgage, Inc. 1 8.00% $22,267
    FIRST COMMUNITY MORTGAGE, INC. 1 8.63% $8,771
    First International Bank & Trust 1 7.75% $1,748
    FIRST TECHNOLOGY 1 7.50% $10,441
    Washington Trust Bank 1 6.25% $4,568
    FLAT BRANCH MORTGAGE, INC. 1 6.13% $8,257
    GUARANTEED RATE, INC. 1 6.95% $9,217
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $10,734
    HORIZON 1 6.13% $4,516
    Ixonia Bank 1 7.63% $14,450
    CARDINAL FINANCIAL 1 6.88% $5,063
    CAPITAL EDUCATORS FEDERAL CREDIT UNION 1 6.50% $6,135
    LEADERONE FINANCIAL CORPORATION 1 6.63% $10,275
    LENDSURE MORTGAGE CORP. 1 7.63% $20,003
    LOANPAL, LLC 1 6.50% $9,723
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.75% $4,536

    TWIN FALLS Average Closing Costs & Other Stats

    TWIN FALLS, ID's 94 lenders originated 2,632 loans during 2023. The total origination value was $558,090,000, with an average loan value of $212,040.

    TWIN FALLS's average closing costs are $6,327.

    The top TWIN FALLS lender as defined by loan originations is IDAHO CENTRAL, with 137 loans originated. Their average total fees are $6,980, which is $300 lower than the next largest lender, First Federal Savings Bank of Twin Falls.

    The lowest fee TWIN FALLS lenders (with over 10 loans originated) are PIONEER ($5,882), U.S. Bank ($6,124), D. L. Evans Bank ($6,168), IDAHO CENTRAL ($6,980) and First Federal Savings Bank of Twin Falls ($7,280).

    The lowest rate TWIN FALLS lenders (with over 10 loans originated) are PIONEER (6.22%), First Federal Savings Bank of Twin Falls (6.25%), UNITED WHOLESALE MORTGAGE, LLC (6.38%), IDAHO CENTRAL (6.47%) and CORNERSTONE HOME LENDING, INC. (6.48%).

    TWIN FALLS, 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
    First Federal Savings Bank of Twin Falls $142,670,000 $77,235,000 -45.9% 13.8%
    IDAHO CENTRAL $138,010,000 $76,815,000 -44.3% 13.8%
    PREMIER MORTGAGE RESOURCES, L.L.C. $61,215,000 $43,075,000 -29.6% 7.7%
    UNITED WHOLESALE MORTGAGE, LLC $36,065,000 $33,200,000 -7.9% 5.9%
    NFM, INC. $30,390,000 $29,070,000 -4.3% 5.2%
    AXIA FINANCIAL, LLC $33,545,000 $27,120,000 -19.2% 4.9%
    QUICKEN LOANS, LLC $46,845,000 $27,090,000 -42.2% 4.9%
    CORNERSTONE HOME LENDING, INC. $26,715,000 $25,875,000 -3.1% 4.6%
    GUILD MORTGAGE COMPANY $52,040,000 $25,685,000 -50.6% 4.6%
    Banner Bank $5,065,000 $14,750,000 191.2% 2.6%
    MOVEMENT MORTGAGE, LLC $19,545,000 $13,945,000 -28.7% 2.5%
    U.S. Bank $27,645,000 $12,680,000 -54.1% 2.3%
    D. L. Evans Bank $21,265,000 $9,845,000 -53.7% 1.8%
    PIONEER $18,650,000 $8,115,000 -56.5% 1.5%
    Mortgage Research Center, LLC $7,135,000 $6,330,000 -11.3% 1.1%
    FARMERS BANK $6,255,000 $5,965,000 -4.6% 1.1%
    Zions Bank $7,680,000 $5,775,000 -24.8% 1.0%
    MOUNTAIN AMERICA $11,425,000 $5,760,000 -49.6% 1.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,800,000 $5,305,000 -39.7% 1.0%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,140,000 $3,660,000 71.0% 0.7%
    CONNECTIONS $4,335,000 $3,200,000 -26.2% 0.6%
    JPMorgan Chase Bank $3,905,000 $3,185,000 -18.4% 0.6%
    Bank of Idaho $9,945,000 $3,055,000 -69.3% 0.5%
    LOANDEPOT.COM, LLC $15,745,000 $3,050,000 -80.6% 0.5%
    PENNYMAC LOAN SERVICES, LLC $7,425,000 $2,930,000 -60.5% 0.5%
    AMERICAN PACIFIC MORTGAGE CORPORATION $2,840,000 n/a 0.5%
    ACADEMY MORTGAGE CORPORATION $4,080,000 $2,680,000 -34.3% 0.5%
    WESTMARK Credit Union $5,295,000 $2,450,000 -53.7% 0.4%
    FREEDOM MORTGAGE CORPORATION $5,785,000 $2,360,000 -59.2% 0.4%
    S1L, Inc. $6,395,000 $2,270,000 -64.5% 0.4%
    FIRST COLONY MORTGAGE CORPORATION $1,555,000 $2,215,000 42.4% 0.4%
    PHH Mortgage Corporation $4,140,000 $2,180,000 -47.3% 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $1,940,000 $2,005,000 3.4% 0.4%
    KeyBank $6,775,000 $1,965,000 -71.0% 0.4%
    American Mortgage & Equity Consultants, Inc. $1,775,000 n/a 0.3%
    Flagstar Bank, FSB $2,690,000 $1,775,000 -34.0% 0.3%
    Discover Bank $555,000 $1,630,000 193.7% 0.3%
    NAVY FEDERAL CREDIT UNION $1,620,000 $1,600,000 -1.2% 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $1,630,000 $1,545,000 -5.2% 0.3%
    FINANCE OF AMERICA REVERSE LLC $740,000 $1,510,000 104.1% 0.3%
    BMO Harris Bank $1,440,000 n/a 0.3%
    Washington Federal Bank $4,105,000 $1,420,000 -65.4% 0.3%
    AMERICA FIRST $1,750,000 $1,365,000 -22.0% 0.2%
    AMERISAVE MORTGAGE CORPORATION $4,985,000 $1,185,000 -76.2% 0.2%
    CAPITAL EDUCATORS FEDERAL CREDIT UNION $3,255,000 $1,180,000 -63.7% 0.2%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $1,850,000 $1,150,000 -37.8% 0.2%
    BROKER SOLUTIONS, INC. $1,730,000 $1,145,000 -33.8% 0.2%
    CHURCHILL MORTGAGE CORPORATION $935,000 $1,110,000 18.7% 0.2%
    VERITAS FUNDING, LLC $275,000 $1,110,000 303.6% 0.2%
    JMJ FINANCIAL GROUP $645,000 $1,070,000 65.9% 0.2%
    Wells Fargo Bank $5,985,000 $1,065,000 -82.2% 0.2%
    The Huntington National Bank $1,010,000 n/a 0.2%
    CMG MORTGAGE, INC. $1,465,000 $965,000 -34.1% 0.2%
    CANOPY MORTGAGE, LLC $750,000 $950,000 26.7% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $2,625,000 $950,000 -63.8% 0.2%
    Northwest Farm Credit Services, FLCA $1,000,000 $900,000 -10.0% 0.2%
    DEEPHAVEN MORTGAGE LLC $890,000 n/a 0.2%
    PREMIA MORTGAGE, LLC $860,000 n/a 0.2%
    FIRST TECHNOLOGY $815,000 n/a 0.1%
    VAN DYK MORTGAGE CORPORATION $175,000 $760,000 334.3% 0.1%
    Willamette Valley Bank $1,965,000 $745,000 -62.1% 0.1%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $295,000 $735,000 149.2% 0.1%
    Bank of America $790,000 $720,000 -8.9% 0.1%
    Waterstone Mortgage Corporation $800,000 $695,000 -13.1% 0.1%
    NBKC BANK $375,000 $685,000 82.7% 0.1%
    INTERCAP LENDING INC. $540,000 $670,000 24.1% 0.1%
    LOANPAL, LLC $2,710,000 $655,000 -75.8% 0.1%
    CITYWIDE HOME LOANS, LLC $175,000 $640,000 265.7% 0.1%
    GUARANTEED RATE, INC. $950,000 $640,000 -32.6% 0.1%
    Toyota Financial Savings Bank $625,000 n/a 0.1%
    Century Mortgage Company DBA Century Lending Company $605,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $595,000 n/a 0.1%
    Commerce Home Mortgage, Inc. $995,000 $585,000 -41.2% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $995,000 $585,000 -41.2% 0.1%
    Nations Lending Corporation $430,000 $550,000 27.9% 0.1%
    NEW DAY FINANCIAL, LLC $2,540,000 $550,000 -78.3% 0.1%
    Barrington Bank & Trust Company, N.A. $400,000 $545,000 36.3% 0.1%
    TJC Mortgage, Inc. $520,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $215,000 $500,000 132.6% 0.1%
    NEWREZ LLC $2,525,000 $490,000 -80.6% 0.1%
    POINT Mortgage $485,000 n/a 0.1%
    First International Bank & Trust $465,000 n/a 0.1%
    DIGITAL Federal Credit Union $385,000 $455,000 18.2% 0.1%
    Glacier Bank $1,985,000 $445,000 -77.6% 0.1%
    Ixonia Bank $445,000 n/a 0.1%
    PLAZA HOME MORTGAGE, INC. $445,000 n/a 0.1%
    USAA Federal Savings Bank $1,745,000 $445,000 -74.5% 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $435,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $1,135,000 $425,000 -62.6% 0.1%
    LEADERONE FINANCIAL CORPORATION $415,000 n/a 0.1%
    MANN FINANCIAL INC. $595,000 $415,000 -30.3% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $415,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $2,295,000 $395,000 -82.8% 0.1%
    AMCAP MORTGAGE, LTD. $1,040,000 $390,000 -62.5% 0.1%
    AMERICAN INTERNET MORTGAGE, INC. $125,000 $385,000 208.0% 0.1%
    FLAT BRANCH MORTGAGE, INC. $385,000 n/a 0.1%
    Ally Bank $380,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $1,720,000 $380,000 -77.9% 0.1%
    Equity Prime Mortgage LLC $75,000 $380,000 406.7% 0.1%
    Carrington Mortgage Services, LLC $2,165,000 $370,000 -82.9% 0.1%
    NP, Inc. $365,000 n/a 0.1%
    The Loan Store, Inc. $365,000 n/a 0.1%
    Central Bank $355,000 n/a 0.1%
    LENDSURE MORTGAGE CORP. $885,000 $355,000 -59.9% 0.1%
    CASTLE & COOKE MORTGAGE, LLC $195,000 $350,000 79.5% 0.1%
    DIRECTORS MORTGAGE, INC. $175,000 $345,000 97.1% 0.1%
    DOMINION FINANCIAL SERVICES, LLC $345,000 n/a 0.1%
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY $650,000 $335,000 -48.5% 0.1%
    HomeTrust Bank $95,000 $325,000 242.1% 0.1%
    AmeriHome Mortgage Company, LLC $295,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $3,865,000 $295,000 -92.4% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $470,000 $285,000 -39.4% 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $285,000 n/a 0.1%
    Umpqua Bank $535,000 $280,000 -47.7% 0.1%
    SIRVA MORTGAGE, INC. $315,000 $275,000 -12.7% 0.0%
    SUMMIT FUNDING, INC. $1,970,000 $275,000 -86.0% 0.0%
    The Bank of Commerce $335,000 $275,000 -17.9% 0.0%
    LAKEVIEW LOAN SERVICING, LLC $1,350,000 $255,000 -81.1% 0.0%
    Sunflower Bank $255,000 n/a 0.0%
    Potlatch No. 1 Financial Credit Union $85,000 $250,000 194.1% 0.0%
    Gateway First Bank $855,000 $245,000 -71.3% 0.0%
    Old National Bank $245,000 n/a 0.0%
    Paramount Residential Mortgage Group, Inc. $1,430,000 $245,000 -82.9% 0.0%
    Washington Trust Bank $325,000 $245,000 -24.6% 0.0%
    Signature Federal Credit Union $240,000 n/a 0.0%
    RANLIFE, INC. $835,000 $225,000 -73.1% 0.0%
    GTE Federal Credit Union $295,000 $220,000 -25.4% 0.0%
    PNC Bank $905,000 $220,000 -75.7% 0.0%
    Figure Lending LLC $335,000 $215,000 -35.8% 0.0%
    OCMBC, INC. $215,000 n/a 0.0%
    The Central Trust Bank $215,000 n/a 0.0%
    Victorian Finance, LLC $215,000 n/a 0.0%
    Alaska USA Federal Credit Union $205,000 n/a 0.0%
    Coastal Community Bank $205,000 n/a 0.0%
    TOP FLITE FINANCIAL, INC. $185,000 n/a 0.0%
    PLANET HOME LENDING, LLC $560,000 $180,000 -67.9% 0.0%
    HORIZON $190,000 $165,000 -13.2% 0.0%
    Plains Commerce Bank $150,000 n/a 0.0%
    LIMA ONE CAPITAL, LLC $145,000 n/a 0.0%
    Utah Power $135,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $125,000 n/a 0.0%
    HOMEXPRESS MORTGAGE CORP. $125,000 n/a 0.0%
    BEEHIVE $480,000 $115,000 -76.0% 0.0%
    Deere Employees Credit Union $15,000 $110,000 633.3% 0.0%
    Bank of the Pacific $105,000 n/a 0.0%
    MASON MCDUFFIE MORTGAGE CORPORATION $95,000 n/a 0.0%
    RESIDENTIAL MORTGAGE, LLC $95,000 n/a 0.0%
    QUORUM FEDERAL CREDIT UNION $850,000 $90,000 -89.4% 0.0%
    CARDINAL FINANCIAL $1,950,000 $85,000 -95.6% 0.0%
    Boeing Employees Credit Union $480,000 $75,000 -84.4% 0.0%
    EAST IDAHO Credit Union $240,000 $75,000 -68.8% 0.0%
    GEORGIA'S OWN $75,000 n/a 0.0%
    GOLDENWEST $285,000 $75,000 -73.7% 0.0%
    21ST MORTGAGE CORPORATION $255,000 $65,000 -74.5% 0.0%
    Centier Bank $55,000 n/a 0.0%
    Heritage Bank $55,000 n/a 0.0%
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $35,000 n/a 0.0%

    TWIN FALLS's top lender by overall market share is First Federal Savings Bank of Twin Falls, with 13.8% market share. In second place, with 13.8%, is IDAHO CENTRAL, having originated $76,815,000 in loans. In third place, with 7.7%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $43,075,000 in loans. In fourth place, with 5.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $33,200,000 in loans. In fifth place, with 5.2%, is NFM, INC., having originated $29,070,000 in loans.

    TWIN FALLS Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - TWIN FALLS (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 $239,900 (14.3%) $296,653 (11.5%) 0.00 344
    2018-02-01 $239,900 (7.4%) $303,662 (11.4%) 0.00 307
    2018-03-01 $249,450 (10.6%) $309,121 (12.8%) 0.00 300
    2018-04-01 $244,968 (2.1%) $303,741 (6.2%) 0.00 315
    2018-05-01 $254,946 (1.3%) $318,482 (6.5%) 0.00 320
    2018-06-01 $249,000 (-0.4%) $314,078 (5.8%) 0.00 375
    2018-07-01 $244,400 (-2.0%) $305,534 (1.8%) 0.00 400
    2018-08-01 $240,325 (-3.7%) $298,885 (-0.6%) 0.00 387
    2018-09-01 $247,990 (-0.4%) $304,527 (3.0%) 0.00 388
    2018-10-01 $247,993 (1.7%) $306,243 (4.9%) 0.00 383
    2018-11-01 $252,450 (5.2%) $309,146 (5.0%) 0.00 361
    2018-12-01 $260,995 (8.8%) $313,554 (7.1%) 0.00 334
    2019-01-01 $252,475 (5.2%) $300,334 (1.2%) 0.00 313
    2019-02-01 $248,600 (3.6%) $304,094 (0.1%) 0.00 304
    2019-03-01 $258,193 (3.5%) $313,982 (1.6%) 0.00 314
    2019-04-01 $261,918 (6.9%) $322,751 (6.3%) 0.00 326
    2019-05-01 $274,750 (7.8%) $331,645 (4.1%) 0.00 342
    2019-06-01 $274,000 (10.0%) $334,647 (6.6%) 0.00 370
    2019-07-01 $264,450 (8.2%) $310,324 (1.6%) 0.00 405
    2019-08-01 $255,291 (6.2%) $308,359 (3.2%) 0.00 409
    2019-09-01 $255,127 (2.9%) $319,008 (4.8%) 0.00 402
    2019-10-01 $255,018 (2.8%) $327,928 (7.1%) 0.00 393
    2019-11-01 $258,900 (2.6%) $331,637 (7.3%) 0.00 373
    2019-12-01 $265,000 (1.5%) $339,923 (8.4%) 0.00 324
    2020-01-01 $262,475 (4.0%) $326,613 (8.8%) 0.00 303
    2020-02-01 $267,201 (7.5%) $332,440 (9.3%) 0.00 285
    2020-03-01 $281,000 (8.8%) $340,044 (8.3%) 0.00 263
    2020-04-01 $278,948 (6.5%) $336,047 (4.1%) 0.00 298
    2020-05-01 $295,000 (7.4%) $361,934 (9.1%) 0.00 269
    2020-06-01 $299,975 (9.5%) $386,243 (15.4%) 0.00 255
    2020-07-01 $301,995 (14.2%) $392,290 (26.4%) 0.00 227
    2020-08-01 $310,000 (21.4%) $400,155 (29.8%) 0.00 197
    2020-09-01 $305,365 (19.7%) $391,224 (22.6%) 0.00 172
    2020-10-01 $300,000 (17.6%) $394,030 (20.2%) 0.00 154
    2020-11-01 $334,475 (29.2%) $411,426 (24.1%) 0.00 146
    2020-12-01 $352,450 (33.0%) $425,984 (25.3%) 0.00 125
    2021-01-01 $362,900 (38.3%) $461,174 (41.2%) 0.00 105
    2021-02-01 $358,960 (34.3%) $469,438 (41.2%) 0.00 79
    2021-03-01 $370,250 (31.8%) $464,481 (36.6%) 0.00 72
    2021-04-01 $371,225 (33.1%) $478,109 (42.3%) 0.00 81
    2021-05-01 $349,950 (18.6%) $458,197 (26.6%) 0.00 99
    2021-06-01 $354,950 (18.3%) $456,821 (18.3%) 0.00 130
    2021-07-01 $350,000 (15.9%) $446,645 (13.9%) 0.00 176
    2021-08-01 $382,000 (23.2%) $482,714 (20.6%) 0.00 224
    2021-09-01 $376,125 (23.2%) $480,178 (22.7%) 0.00 208
    2021-10-01 $380,950 (27.0%) $513,570 (30.3%) 0.00 178
    2021-11-01 $406,200 (21.4%) $527,682 (28.3%) 0.00 139
    2021-12-01 $407,450 (15.6%) $536,532 (26.0%) 0.00 128
    2022-01-01 $434,800 (19.8%) $561,303 (21.7%) 0.00 120
    2022-02-01 $475,735 (32.5%) $572,139 (21.9%) 0.00 128
    2022-03-01 $469,860 (26.9%) $548,868 (18.2%) 0.00 152
    2022-04-01 $460,000 (23.9%) $518,775 (8.5%) 0.00 174
    2022-05-01 $459,900 (31.4%) $540,791 (18.0%) 0.00 225
    2022-06-01 $467,450 (31.7%) $534,709 (17.1%) 0.00 282
    2022-07-01 $455,500 (30.1%) $532,907 (19.3%) 0.00 384
    2022-08-01 $449,750 (17.7%) $530,692 (9.9%) 0.00 425
    2022-09-01 $436,750 (16.1%) $520,075 (8.3%) 0.00 449
    2022-10-01 $430,000 (12.9%) $513,969 (0.1%) 0.00 447
    2022-11-01 $429,225 (5.7%) $500,116 (-5.2%) 0.00 453
    2022-12-01 $415,000 (1.9%) $485,675 (-9.5%) 0.00 421
    2023-01-01 $417,463 (-4.0%) $485,253 (-13.6%) 0.00 388
    2023-02-01 $421,500 (-11.4%) $495,561 (-13.4%) 0.00 356
    2023-03-01 $432,498 (-8.0%) $514,653 (-6.2%) 0.00 330
    2023-04-01 $441,990 (-3.9%) $521,741 (0.6%) 0.00 330
    2023-05-01 $441,950 (-3.9%) $524,256 (-3.1%) 0.00 342
    2023-06-01 $450,600 (-3.6%) $526,284 (-1.6%) 0.00 357
    2023-07-01 $449,900 (-1.2%) $525,445 (-1.4%) 0.00 365
    2023-08-01 $443,475 (-1.4%) $536,059 (1.0%) 0.00 371
    2023-09-01 $436,000 (-0.2%) $526,672 (1.3%) 0.00 394
    2023-10-01 $416,000 (-3.3%) $506,738 (-1.4%) 0.00 401
    2023-11-01 $409,550 (-4.6%) $498,154 (-0.4%) 0.00 402
    2023-12-01 $409,900 (-1.2%) $501,692 (3.3%) 0.00 382
    2024-01-01 $402,450 (-3.6%) $504,676 (4.0%) 0.00 334
    2024-02-01 $410,000 (-2.7%) $506,656 (2.2%) 0.00 335
    2024-03-01 $409,450 (-5.3%) $502,480 (-2.4%) 0.00 329
    2024-04-01 $416,635 (-5.7%) $516,795 (-1.0%) 0.00 343
    2024-05-01 $419,900 (-5.0%) $528,887 (0.9%) 0.00 363
    2024-06-01 $429,900 (-4.6%) $529,264 (0.6%) 0.00 403
    2024-07-01 $449,950 (0.0%) $547,280 (4.2%) 0.00 431
    2024-08-01 $442,500 (-0.2%) $535,651 (-0.1%) 0.00 452
    2024-09-01 $439,900 (0.9%) $553,808 (5.2%) 0.00 476
    2024-10-01 $439,950 (5.8%) $555,146 (9.6%) 0.00 453
    2024-11-01 $430,000 (5.0%) $552,959 (11.0%) 0.00 428
    TWIN FALLS's median listing price for 2024-11-01 was $430,000, a difference of $20,450 (5.0%) versus the prior year and $-9,950 versus the prior month.

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

    TWIN FALLS's average listing price for 2024-11-01 was $552,959, a difference of $54,805 (11.0%) versus the prior year and $-2,187 versus the prior month.

    For the 2024-11-01 period, TWIN FALLS had 428 MLS listings, a difference of -25 listings (-6%) versus the prior month and 26 listings (6%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - TWIN FALLS (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,072 sqft
    2018-02-01 0 days 2,061 sqft
    2018-03-01 0 days 2,076 sqft
    2018-04-01 0 days 2,072 sqft
    2018-05-01 0 days 2,194 sqft
    2018-06-01 0 days 2,076 sqft
    2018-07-01 0 days 2,029 sqft
    2018-08-01 0 days 1,933 sqft
    2018-09-01 0 days 1,934 sqft
    2018-10-01 0 days 1,929 sqft
    2018-11-01 0 days 1,932 sqft
    2018-12-01 0 days 2,050 sqft
    2019-01-01 0 days 1,993 sqft
    2019-02-01 0 days 1,950 sqft
    2019-03-01 0 days 1,976 sqft
    2019-04-01 0 days 1,976 sqft
    2019-05-01 0 days 2,041 sqft
    2019-06-01 0 days 2,053 sqft
    2019-07-01 0 days 1,990 sqft
    2019-08-01 0 days 1,950 sqft
    2019-09-01 0 days 1,961 sqft
    2019-10-01 0 days 1,985 sqft
    2019-11-01 0 days 2,027 sqft
    2019-12-01 0 days 2,009 sqft
    2020-01-01 0 days 2,021 sqft
    2020-02-01 0 days 2,036 sqft
    2020-03-01 0 days 2,047 sqft
    2020-04-01 0 days 2,053 sqft
    2020-05-01 0 days 2,112 sqft
    2020-06-01 0 days 2,200 sqft
    2020-07-01 0 days 2,215 sqft
    2020-08-01 0 days 2,197 sqft
    2020-09-01 0 days 2,094 sqft
    2020-10-01 0 days 2,072 sqft
    2020-11-01 0 days 2,172 sqft
    2020-12-01 0 days 2,105 sqft
    2021-01-01 0 days 2,129 sqft
    2021-02-01 0 days 2,151 sqft
    2021-03-01 0 days 2,231 sqft
    2021-04-01 0 days 2,319 sqft
    2021-05-01 0 days 2,045 sqft
    2021-06-01 0 days 1,907 sqft
    2021-07-01 0 days 1,910 sqft
    2021-08-01 0 days 1,950 sqft
    2021-09-01 0 days 1,938 sqft
    2021-10-01 0 days 2,012 sqft
    2021-11-01 0 days 2,020 sqft
    2021-12-01 0 days 1,986 sqft
    2022-01-01 0 days 2,084 sqft
    2022-02-01 0 days 2,014 sqft
    2022-03-01 0 days 1,936 sqft
    2022-04-01 0 days 1,911 sqft
    2022-05-01 0 days 1,910 sqft
    2022-06-01 0 days 1,926 sqft
    2022-07-01 0 days 1,904 sqft
    2022-08-01 0 days 1,947 sqft
    2022-09-01 0 days 1,923 sqft
    2022-10-01 0 days 1,928 sqft
    2022-11-01 0 days 1,910 sqft
    2022-12-01 0 days 1,898 sqft
    2023-01-01 0 days 1,910 sqft
    2023-02-01 0 days 1,912 sqft
    2023-03-01 0 days 2,002 sqft
    2023-04-01 0 days 2,032 sqft
    2023-05-01 0 days 2,012 sqft
    2023-06-01 0 days 2,061 sqft
    2023-07-01 0 days 2,103 sqft
    2023-08-01 0 days 2,073 sqft
    2023-09-01 0 days 2,034 sqft
    2023-10-01 0 days 1,931 sqft
    2023-11-01 0 days 1,922 sqft
    2023-12-01 0 days 1,906 sqft
    2024-01-01 0 days 1,913 sqft
    2024-02-01 0 days 1,908 sqft
    2024-03-01 0 days 1,874 sqft
    2024-04-01 0 days 1,896 sqft
    2024-05-01 0 days 1,925 sqft
    2024-06-01 0 days 1,956 sqft
    2024-07-01 0 days 2,022 sqft
    2024-08-01 0 days 2,044 sqft
    2024-09-01 0 days 1,984 sqft
    2024-10-01 0 days 1,999 sqft
    2024-11-01 0 days 1,980 sqft
    TWIN FALLS's median listing age (time on market) for 2024-11-01 was 0 days.

    TWIN FALLS's median square footage for active listings during the 2024-11-01 period was 1,980 sqft. One year prior, the average listing was 1,922 sqft.

    TWIN FALLS, ID Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,399 $400,355,000 $286,172
    Cash Out Refi 424 $68,170,000 $160,778
    Home Improvement 393 $31,465,000 $80,064
    Other 232 $20,110,000 $86,681
    Refi 184 $37,990,000 $206,467

    Twin Falls's most frequently cited loan purpose was Home Purchase, with 1,399 originations. The 2nd most popular reason was Cash Out Refi, with 424 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 823 $228,855,000 $278,074
    Over 8% 799 $71,015,000 $88,880
    5-6% 488 $140,100,000 $287,090
    7-8% 476 $105,760,000 $222,185
    4-5% 37 $10,355,000 $279,865
    3-4% 3 $485,000 $161,667
    <2.5% 1 $225,000 $225,000
    2.5-3% 1 $545,000 $545,000

    During 2023, Twin Falls's most frequently originated rate bucket was 6-7%, with 823 originations.

    Loan Sizing (TWIN FALLS, ID MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 1,010 $292,190,000 $289,297
    $100,000 or less 862 $39,150,000 $45,418
    $100k-200k 496 $72,750,000 $146,673
    $400k-600k 204 $95,370,000 $467,500
    $600k-1000k 51 $35,005,000 $686,373
    $Over $1MM 9 $23,625,000 $2,625,000

    TWIN FALLS's loan sizing saw the bucket of loans from $200k-400k with 1,010 originations, totaling $292,190,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 840 $272,420,000 $324,310
    Under 20% 706 $30,150,000 $42,705
    60-80% 424 $142,100,000 $335,142
    20-40% 366 $45,170,000 $123,415
    40-60% 263 $57,435,000 $218,384
    Over 100% 25 $9,225,000 $369,000

    TWIN FALLS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 840 originations, totaling $272,420,000 in origination value.