TWIN FALLS Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Twin Falls averaged 6.28% for the week of 2022-12-01, compared to the national average of 6.49% for the same period.

The average rate for the prior week (2022-11-23) was 6.57% and one month ago for the week of 2022-10-27, the average rate was 7.27%.

Twin Falls's average rate one year ago was 3.12%.

For refis of the same type during the week of 2022-12-01, the average rate was 6.48%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-12-01 6.49%
Twin Falls 30 Year Fixed Rate 2022-12-01 6.28%
Twin Falls 30 Year Fixed Rate Refi 2022-12-01 6.48%
Twin Falls 15 Year Fixed Rate 2022-12-01 6.1%
Twin Falls 15 Year Fixed Rate Refi 2022-12-01 5.87%
Twin Falls 30 Year FHA 2022-12-01 6.48%
Twin Falls 30 Year FHA Refi 2022-12-01 6.25%
Twin Falls 30 Year USDA 2022-12-01 6.24%
Twin Falls 30 Year USDA Refi 2022-12-01 2.82%
Twin Falls 30 Year VA 2022-12-01 6.22%
Twin Falls 30 Year VA Refi 2022-12-01 6%
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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
First Federal Savings Bank of Twin Falls 470 3.17% $5,039
IDAHO CENTRAL 433 3.14% $5,332
GUILD MORTGAGE COMPANY 281 3.10% $5,757
QUICKEN LOANS, LLC 270 3.11% $5,897
PREMIER MORTGAGE RESOURCES, L.L.C. 195 3.23% $6,311
AXIA FINANCIAL, LLC 128 3.21% $6,837
UNITED WHOLESALE MORTGAGE, LLC 125 2.87% $5,141
D. L. Evans Bank 124 2.91% $5,383
MOVEMENT MORTGAGE, LLC 88 3.19% $5,237
Bank of Idaho 59 2.88% $5,753
PIONEER 57 3.27% $4,902
U.S. Bank 52 3.14% $4,691
LOANDEPOT.COM, LLC 43 3.00% $5,302
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 37 3.18% $6,704
AMERISAVE MORTGAGE CORPORATION 34 2.99% $5,148
S1L, Inc. 33 2.94% $5,975
Flagstar Bank, FSB 28 3.12% $4,960
BETTER MORTGAGE CORPORATION 26 2.81% $3,800
MOUNTAIN AMERICA 25 2.99% $4,926
KELLER MORTGAGE, LLC 22 3.10% $3,195
Wells Fargo Bank 21 3.13% $3,853
KeyBank 21 3.17% $3,615
BROKER SOLUTIONS, INC. 19 3.02% $5,422
JPMorgan Chase Bank 19 3.04% $3,732
FINANCE OF AMERICA MORTGAGE LLC 19 3.41% $5,749
CALIBER HOME LOANS, INC. 16 3.08% $3,610
PENNYMAC LOAN SERVICES, LLC 15 3.16% $5,400
AMERICAN FINANCING CORPORATION 15 3.22% $4,534
LOANPAL, LLC 14 3.06% $6,543
STEARNS LENDING, LLC 13 3.13% $4,248
Mr. Cooper ( Nationstar Mortgage ) 13 3.37% $6,187
Gateway First Bank 12 3.36% $5,571
Washington Federal Bank 11 3.52% $4,842
WESTMARK Credit Union 10 2.91% $6,331
FREEDOM MORTGAGE CORPORATION 10 3.41% $4,191
HOME POINT FINANCIAL CORPORATION 10 2.75% $6,482
NEWREZ LLC 10 3.42% $4,605
MUTUAL OF OMAHA MORTGAGE, INC. 8 3.33% $5,676
AMERICAN FINANCIAL NETWORK, INC. 8 3.13% $9,344
CANOPY MORTGAGE, LLC 8 2.97% $5,507
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 3.09% $6,874
CMG MORTGAGE, INC. 6 3.19% $6,899
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 3.13% $5,286
Ally Bank 6 3.10% $3,522
CELEBRITY HOME LOANS, LLC 6 3.23% $5,890
MORTGAGE SOLUTIONS OF COLORADO, LLC 6 3.19% $5,970
ACADEMY MORTGAGE CORPORATION 6 3.29% $4,942
Wyndham Capital Mortgage, Inc. 5 2.80% $3,978
FIRST COLONY MORTGAGE CORPORATION 5 2.78% $5,532
CORNERSTONE HOME LENDING, INC. 5 3.40% $5,565
CAPITAL EDUCATORS FEDERAL CREDIT UNION 5 2.88% $6,386
NAVY FEDERAL CREDIT UNION 5 3.50% $5,456
Willamette Valley Bank 5 3.33% $4,729
Glacier Bank 5 3.05% $8,090
AMERICA FIRST 4 2.72% $7,377
CROSSCOUNTRY MORTGAGE, LLC 4 3.28% $4,846
SUMMIT FUNDING, INC. 4 3.03% $8,831
Mortgage Research Center, LLC 4 2.69% $7,401
Bank of America 4 2.81% $4,186
Umpqua Bank 4 3.28% $3,386
HOMESIDE FINANCIAL, LLC 4 3.09% $5,007
CONNECTIONS 4 2.75% $4,777
LAKEVIEW LOAN SERVICING, LLC 4 3.50% $4,823
Waterstone Mortgage Corporation 4 3.22% $5,656
PACIFIC RESIDENTIAL MORTGAGE, LLC 4 3.22% $4,760
BAY EQUITY LLC 4 3.40% $7,740
INTERCAP LENDING INC. 4 3.22% $4,707
Banner Bank 3 3.42% $7,700
AMERICAN PACIFIC MORTGAGE CORPORATION 3 2.96% $6,797
PNC Bank 3 2.83% $6,431
Commerce Home Mortgage, Inc. 3 2.91% $3,966
SECURITYNATIONAL MORTGAGE COMPANY 3 3.17% $7,206
SUN WEST MORTGAGE COMPANY, INC. 3 2.75% $4,547
EAST IDAHO Credit Union 3 3.04% $4,972
Zions Bancorporation, N.A. 3 2.71% $3,829
FirstBank 3 2.92% $2,621
First Home Bank 3 3.46% $3,323
Boeing Employees Credit Union 3 2.96% $3,860
GUARANTEED RATE, INC. 3 2.88% $4,684
CALCON MUTUAL MORTGAGE LLC 3 3.00% $10,499
CHURCHILL MORTGAGE CORPORATION 3 3.25% $3,699
NBH Bank 3 2.88% $3,874
NBKC BANK 3 2.88% $3,020
NFM, INC. 3 3.29% $5,498
IMPAC MORTGAGE CORP. 2 2.94% $1,374
First Internet Bank of Indiana 2 2.63% $4,381
First Guaranty Mortgage Corporation 2 3.38% $4,546
ZILLOW HOME LOANS, LLC 2 3.19% $4,415
Watermark Capital, Inc. 2 3.00% $3,394
Washington Trust Bank 2 2.93% $3,314
VISION ONE MORTGAGE, INC. 2 3.44% $6,459
Bank of the West 2 3.44% $3,544
VAN DYK MORTGAGE CORPORATION 2 3.00% $5,073
Truist 2 3.38% $4,018
MANN FINANCIAL INC. 2 3.88% $7,303
The Federal Savings Bank 2 3.06% $5,185
MORTGAGE MANAGEMENT CONSULTANTS, INC. 2 2.69% $2,922
Discover Bank 2 4.07% $0
Strong Home Mortgage, LLC 2 2.87% $4,242
Stifel Bank and Trust 2 2.69% $2,486
DIRECT MORTGAGE, CORP. 2 2.94% $4,426
SENB Bank 2 2.75% $3,794
CRESCENT MORTGAGE COMPANY 2 4.06% $4,461
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.44% $6,690
PARKSIDE LENDING, LLC 2 2.75% $4,841
Nations Lending Corporation 2 2.88% $9,092
CITYWIDE HOME LOANS, LLC 2 3.12% $5,317
Citadel Servicing Corporation 2 4.69% $13,659
North American Savings Bank, F.S.B. 2 2.69% $2,839
HomeStreet Bank 2 2.69% $6,613
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.12% $6,162
GOLDENWEST 2 2.88% $4,852
BEEHIVE 2 2.44% $4,707
The Huntington National Bank 1 2.38% $2,758
ADVANTAGE PLUS 1 2.63% $7,204
AMERICAN INTERNET MORTGAGE, INC. 1 2.75% $3,060
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.25% $4,184
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.25% $3,998
Axos Bank 1 2.75% $12,867
Bank of England 1 3.00% $5,755
BELEM SERVICING LLC 1 2.99% $9,565
Carrington Mortgage Services, LLC 1 3.38% $5,084
Citibank 1 2.75% $5,642
Deseret First Credit Union 1 3.99% $6,695
DHA FINANCIAL, LLC 1 2.75% $7,494
DIRECTORS MORTGAGE, INC. 1 3.13% $6,240
DRAPER AND KRAMER MORTGAGE CORP. 1 3.13% $3,262
Eagle Bank and Trust Company 1 2.88% $6,011
EMBRACE HOME LOANS, INC. 1 2.99% $4,458
EVERETT FINANCIAL, INC. 1 3.25% $1,645
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 3.25% $7,339
Firefighters First Federal Credit Union 1 2.75% $4,130
First Federal Bank 1 2.88% $10,334
First Mortgage Solutions, LLC 1 3.12% $2,695
First Savings Bank 1 3.00% $12,798
FIRST TECHNOLOGY 1 3.25% $8,548
Florida Capital Bank 1 3.00% $4,184
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.63% $6,591
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.13% $4,538
HORIZON 1 3.38% $5,448
IDAHO STATE UNIVERSITY 1 3.13% $8,124
LENDUS, LLC 1 3.25% $3,708
Low VA Rates, LLC 1 3.13% $3,552
Morgan Stanley Private Bank 1 2.55% $5,302
M&T Bank 1 3.88% $7,193
MY MOVE MORTGAGE, LLC 1 2.88% $3,377
Northpointe Bank 1 3.00% $4,779
Pinnacle Bank 1 2.88% $3,960
PLANET HOME LENDING, LLC 1 3.00% $2,297
Potlatch No. 1 Financial Credit Union 1 2.50% $5,683
PREMIA MORTGAGE, LLC 1 2.75% $4,156
Prime Choice Funding Inc. 1 2.63% $3,308
PURDUE FEDERAL CREDIT UNION 1 3.00% $4,087
RANLIFE, INC. 1 2.99% $4,695
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 3.25% $3,969
ROGUE 1 3.38% $3,345
Sierra Pacific Mortgage Company, Inc. 1 2.99% $5,033
SIRVA MORTGAGE, INC. 1 3.25% $1,102
SOVEREIGN LENDING GROUP INCORPORATED 1 2.99% $6,564
Summit Mortgage Corporation 1 3.13% $11,922
Sunflower Bank 1 3.63% $4,322
SWBC MORTGAGE CORPORATION 1 2.88% $3,845
Texana Bank 1 3.25% $3,842
1st Security Bank of Washington 1 3.13% $8,914
The Union Bank Company 1 3.50% $4,334
Utah Power 1 2.63% $4,548
VERITAS FUNDING, LLC 1 2.88% $4,130
VILLAGE CAPITAL MORTGAGE 1 3.00% $8,849
Wallick & Volk, Inc. 1 3.50% $7,208

TWIN FALLS Average Closing Costs & Other Stats

TWIN FALLS, ID's 169 lenders originated 6,734 loans during 2021. The total origination value was $1,440,840,000, with an average loan value of $213,965.

TWIN FALLS's average closing costs are $5,707.

The top TWIN FALLS lender as defined by loan originations is First Federal Savings Bank of Twin Falls, with 470 loans originated. Their average total fees are $5,039, which is $293 lower than the next largest lender, IDAHO CENTRAL.

The lowest fee TWIN FALLS lenders (with over 10 loans originated) are KELLER MORTGAGE, LLC ($3,195), CALIBER HOME LOANS, INC. ($3,610), KeyBank ($3,615), JPMorgan Chase Bank ($3,732) and BETTER MORTGAGE CORPORATION ($3,800).

The lowest rate TWIN FALLS lenders (with over 10 loans originated) are HOME POINT FINANCIAL CORPORATION (2.75%), BETTER MORTGAGE CORPORATION (2.81%), UNITED WHOLESALE MORTGAGE, LLC (2.87%), Bank of Idaho (2.88%) and D. L. Evans Bank (2.91%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
First Federal Savings Bank of Twin Falls $233,910,000 $259,635,000 11.0% 18.0%
IDAHO CENTRAL $156,750,000 $196,470,000 25.3% 13.6%
QUICKEN LOANS, LLC $69,080,000 $101,965,000 47.6% 7.1%
GUILD MORTGAGE COMPANY $103,730,000 $100,285,000 -3.3% 7.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $70,070,000 $93,230,000 33.1% 6.5%
D. L. Evans Bank $66,415,000 $61,325,000 -7.7% 4.3%
AXIA FINANCIAL, LLC $41,065,000 $51,220,000 24.7% 3.6%
UNITED WHOLESALE MORTGAGE, LLC $32,595,000 $49,395,000 51.5% 3.4%
MOVEMENT MORTGAGE, LLC $25,070,000 $34,330,000 36.9% 2.4%
U.S. Bank $27,870,000 $26,895,000 -3.5% 1.9%
LOANDEPOT.COM, LLC $8,295,000 $21,130,000 154.7% 1.5%
FREEDOM MORTGAGE CORPORATION $22,620,000 $21,040,000 -7.0% 1.5%
Bank of Idaho $36,790,000 $17,840,000 -51.5% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $9,725,000 $15,405,000 58.4% 1.1%
PIONEER $13,850,000 $13,400,000 -3.2% 0.9%
PENNYMAC LOAN SERVICES, LLC $4,415,000 $12,725,000 188.2% 0.9%
AMERISAVE MORTGAGE CORPORATION $4,950,000 $12,325,000 149.0% 0.9%
KeyBank $10,025,000 $12,130,000 21.0% 0.8%
Mortgage Research Center, LLC $8,550,000 $11,955,000 39.8% 0.8%
BETTER MORTGAGE CORPORATION $1,910,000 $11,945,000 525.4% 0.8%
MOUNTAIN AMERICA $6,455,000 $11,840,000 83.4% 0.8%
S1L, Inc. $6,530,000 $10,565,000 61.8% 0.7%
Wells Fargo Bank $9,445,000 $9,225,000 -2.3% 0.6%
Flagstar Bank, FSB $7,750,000 $8,995,000 16.1% 0.6%
CALIBER HOME LOANS, INC. $2,295,000 $8,685,000 278.4% 0.6%
WESTMARK Credit Union $5,630,000 $7,660,000 36.1% 0.5%
MORTGAGE SOLUTIONS OF COLORADO, LLC $10,300,000 $7,165,000 -30.4% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $5,855,000 $6,305,000 7.7% 0.4%
JPMorgan Chase Bank $2,525,000 $6,285,000 148.9% 0.4%
KELLER MORTGAGE, LLC $6,540,000 $6,275,000 -4.1% 0.4%
Zions Bancorporation, N.A. $4,735,000 $6,245,000 31.9% 0.4%
NEWREZ LLC $3,390,000 $6,115,000 80.4% 0.4%
FINANCE OF AMERICA MORTGAGE LLC $2,805,000 $5,950,000 112.1% 0.4%
AMERICAN FINANCING CORPORATION $780,000 $5,930,000 660.3% 0.4%
BROKER SOLUTIONS, INC. $2,245,000 $5,895,000 162.6% 0.4%
LOANPAL, LLC $6,355,000 $5,205,000 -18.1% 0.4%
FARMERS BANK $5,650,000 $4,795,000 -15.1% 0.3%
NAVY FEDERAL CREDIT UNION $2,855,000 $4,705,000 64.8% 0.3%
HOME POINT FINANCIAL CORPORATION $1,170,000 $4,670,000 299.1% 0.3%
Gateway First Bank $2,175,000 $4,610,000 112.0% 0.3%
ACADEMY MORTGAGE CORPORATION $4,370,000 $4,070,000 -6.9% 0.3%
LAKEVIEW LOAN SERVICING, LLC $2,380,000 $4,045,000 70.0% 0.3%
CANOPY MORTGAGE, LLC $1,835,000 $3,905,000 112.8% 0.3%
SUMMIT FUNDING, INC. $145,000 $3,835,000 2,544.8% 0.3%
CONNECTIONS $2,145,000 $3,585,000 67.1% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $800,000 $3,570,000 346.3% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $3,600,000 $3,550,000 -1.4% 0.2%
STEARNS LENDING, LLC $1,125,000 $3,510,000 212.0% 0.2%
Washington Federal Bank $5,015,000 $3,475,000 -30.7% 0.2%
NORTHMARQ CAPITAL FINANCE, L.L.C. $12,110,000 $3,425,000 -71.7% 0.2%
CAPITAL EDUCATORS FEDERAL CREDIT UNION $1,190,000 $3,270,000 174.8% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $3,530,000 $3,230,000 -8.5% 0.2%
NEW DAY FINANCIAL, LLC $3,910,000 $3,100,000 -20.7% 0.2%
PHH Mortgage Corporation $1,365,000 $2,970,000 117.6% 0.2%
Willamette Valley Bank $2,510,000 $2,890,000 15.1% 0.2%
Banner Bank $1,195,000 $2,770,000 131.8% 0.2%
CELEBRITY HOME LOANS, LLC $2,595,000 n/a 0.2%
CMG MORTGAGE, INC. $695,000 $2,535,000 264.7% 0.2%
North American Savings Bank, F.S.B. $1,150,000 $2,405,000 109.1% 0.2%
AMERICAN ADVISORS GROUP $745,000 $2,395,000 221.5% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,465,000 $2,370,000 61.8% 0.2%
The Federal Savings Bank $1,230,000 $2,345,000 90.7% 0.2%
CORNERSTONE HOME LENDING, INC. $2,340,000 n/a 0.2%
Wyndham Capital Mortgage, Inc. $335,000 $2,335,000 597.0% 0.2%
Glacier Bank $3,965,000 $2,320,000 -41.5% 0.2%
AMERICA FIRST $1,320,000 $2,115,000 60.2% 0.1%
BAY EQUITY LLC $2,060,000 n/a 0.1%
Bank of America $3,165,000 $2,010,000 -36.5% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $2,295,000 $2,010,000 -12.4% 0.1%
INTERCAP LENDING INC. $820,000 $1,905,000 132.3% 0.1%
GUARANTEED RATE, INC. $1,460,000 $1,850,000 26.7% 0.1%
FIRST COLONY MORTGAGE CORPORATION $1,795,000 $1,835,000 2.2% 0.1%
PNC Bank $1,830,000 n/a 0.1%
Boeing Employees Credit Union $1,735,000 n/a 0.1%
CALCON MUTUAL MORTGAGE LLC $460,000 $1,705,000 270.7% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,600,000 $1,705,000 6.6% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,035,000 $1,680,000 62.3% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $2,325,000 $1,635,000 -29.7% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $835,000 $1,545,000 85.0% 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $310,000 $1,495,000 382.3% 0.1%
Bank of the West $770,000 $1,485,000 92.9% 0.1%
First Home Bank $3,035,000 $1,465,000 -51.7% 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $910,000 $1,440,000 58.2% 0.1%
USAA Federal Savings Bank $3,895,000 $1,385,000 -64.4% 0.1%
Ally Bank $495,000 $1,355,000 173.7% 0.1%
NBKC BANK $995,000 $1,300,000 30.7% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,490,000 $1,275,000 -14.4% 0.1%
NFM, INC. $1,265,000 n/a 0.1%
MANN FINANCIAL INC. $810,000 $1,255,000 54.9% 0.1%
CHURCHILL MORTGAGE CORPORATION $2,005,000 $1,230,000 -38.7% 0.1%
First Guaranty Mortgage Corporation $795,000 $1,215,000 52.8% 0.1%
Morgan Stanley Private Bank $1,185,000 n/a 0.1%
Low VA Rates, LLC $2,235,000 $1,125,000 -49.7% 0.1%
Nations Lending Corporation $430,000 $1,115,000 159.3% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $500,000 $1,110,000 122.0% 0.1%
Carrington Mortgage Services, LLC $1,080,000 $1,100,000 1.9% 0.1%
FIRST TECHNOLOGY $790,000 $1,085,000 37.3% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $810,000 $1,055,000 30.2% 0.1%
Commerce Home Mortgage, Inc. $450,000 $1,040,000 131.1% 0.1%
NBH Bank $530,000 $1,005,000 89.6% 0.1%
HOMESIDE FINANCIAL, LLC $975,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $305,000 $975,000 219.7% 0.1%
Farmers Bank & Trust $395,000 $970,000 145.6% 0.1%
Umpqua Bank $1,735,000 $965,000 -44.4% 0.1%
Waterstone Mortgage Corporation $1,590,000 $950,000 -40.3% 0.1%
PLANET HOME LENDING, LLC $1,165,000 $920,000 -21.0% 0.1%
RANLIFE, INC. $495,000 $920,000 85.9% 0.1%
SOUTHWEST STAGE FUNDING, LLC $95,000 $920,000 868.4% 0.1%
CLEARPATH LENDING $2,185,000 $905,000 -58.6% 0.1%
EAST IDAHO Credit Union $230,000 $880,000 282.6% 0.1%
First Internet Bank of Indiana $425,000 $880,000 107.1% 0.1%
FirstBank $145,000 $865,000 496.6% 0.1%
FINANCE OF AMERICA REVERSE LLC $400,000 $840,000 110.0% 0.1%
Washington Trust Bank $830,000 n/a 0.1%
CITYWIDE HOME LOANS, LLC $1,300,000 $825,000 -36.5% 0.1%
Barrington Bank & Trust Company, N.A. $1,545,000 $820,000 -46.9% 0.1%
Rock Canyon Bank $800,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $145,000 $790,000 444.8% 0.1%
Eagle Bank and Trust Company $360,000 $785,000 118.1% 0.1%
Citadel Servicing Corporation $780,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $55,000 $760,000 1,281.8% 0.1%
Discover Bank $185,000 $695,000 275.7% 0.0%
BELEM SERVICING LLC $600,000 $655,000 9.2% 0.0%
HomeStreet Bank $280,000 $640,000 128.6% 0.0%
OPEN MORTGAGE, LLC $630,000 n/a 0.0%
Strong Home Mortgage, LLC $925,000 $620,000 -33.0% 0.0%
Truist Bank $250,000 $620,000 148.0% 0.0%
GOLDENWEST $125,000 $615,000 392.0% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,085,000 $605,000 -44.2% 0.0%
Northwest Farm Credit Services, FLCA $1,930,000 $590,000 -69.4% 0.0%
SENB Bank $590,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $520,000 $585,000 12.5% 0.0%
Pinnacle Bank $580,000 n/a 0.0%
ADVANTAGE PLUS $280,000 $570,000 103.6% 0.0%
VAN DYK MORTGAGE CORPORATION $1,405,000 $555,000 -60.5% 0.0%
DIRECT MORTGAGE, CORP. $550,000 n/a 0.0%
Manufacturers and Traders Trust Company $275,000 $545,000 98.2% 0.0%
Watermark Capital, Inc. $530,000 n/a 0.0%
Bank of England $520,000 n/a 0.0%
EVERETT FINANCIAL, INC. $255,000 $510,000 100.0% 0.0%
Paramount Residential Mortgage Group, Inc. $625,000 $510,000 -18.4% 0.0%
Stifel Bank and Trust $510,000 n/a 0.0%
Axos Bank $265,000 $505,000 90.6% 0.0%
Meridian Bank Corporation $465,000 n/a 0.0%
Citizens Alliance Bank $435,000 n/a 0.0%
Deseret First Credit Union $265,000 $425,000 60.4% 0.0%
OCEANSIDE MORTGAGE COMPANY $575,000 $420,000 -27.0% 0.0%
MID AMERICA MORTGAGE, INC. $315,000 $410,000 30.2% 0.0%
Cornerstone First Mortgage, Inc $405,000 n/a 0.0%
Jonah Bank of Wyoming $405,000 n/a 0.0%
Magnolia Bank $405,000 n/a 0.0%
The Huntington National Bank $335,000 $405,000 20.9% 0.0%
Florida Capital Bank $400,000 n/a 0.0%
IMPAC MORTGAGE CORP. $215,000 $400,000 86.0% 0.0%
Firefighters First Federal Credit Union $625,000 $395,000 -36.8% 0.0%
IDAHO STATE UNIVERSITY $610,000 $390,000 -36.1% 0.0%
Idaho First Bank $385,000 n/a 0.0%
Potlatch No. 1 Financial Credit Union $105,000 $385,000 266.7% 0.0%
Prime Choice Funding Inc. $215,000 $385,000 79.1% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $385,000 n/a 0.0%
PARKSIDE LENDING, LLC $370,000 $380,000 2.7% 0.0%
VISION ONE MORTGAGE, INC. $145,000 $370,000 155.2% 0.0%
First Savings Bank $345,000 n/a 0.0%
PREMIA MORTGAGE, LLC $275,000 $345,000 25.5% 0.0%
SWBC MORTGAGE CORPORATION $345,000 n/a 0.0%
MORTGAGE MANAGEMENT CONSULTANTS, INC. $85,000 $330,000 288.2% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $115,000 $325,000 182.6% 0.0%
Summit Mortgage Corporation $345,000 $325,000 -5.8% 0.0%
CRESCENT MORTGAGE COMPANY $1,160,000 $320,000 -72.4% 0.0%
EMBRACE HOME LOANS, INC. $400,000 $320,000 -20.0% 0.0%
1st Security Bank of Washington $315,000 n/a 0.0%
Northpointe Bank $310,000 n/a 0.0%
Great Southern Bank $305,000 n/a 0.0%
SIRVA MORTGAGE, INC. $795,000 $305,000 -61.6% 0.0%
PURDUE FEDERAL CREDIT UNION $295,000 n/a 0.0%
The Union Bank Company $295,000 n/a 0.0%
BEEHIVE $440,000 $280,000 -36.4% 0.0%
CHERRY CREEK MORTGAGE, LLC $280,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $275,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $525,000 $275,000 -47.6% 0.0%
UNITED SECURITY FINANCIAL CORP $265,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $255,000 n/a 0.0%
First Mortgage Solutions, LLC $245,000 n/a 0.0%
Neighborhood Loans, Inc. $235,000 n/a 0.0%
Texana Bank $355,000 $235,000 -33.8% 0.0%
Wallick & Volk, Inc. $235,000 n/a 0.0%
Greenbox Loans, Inc. $185,000 $215,000 16.2% 0.0%
ATHAS CAPITAL GROUP, INC. $205,000 n/a 0.0%
DHA FINANCIAL, LLC $205,000 n/a 0.0%
First Federal Bank $395,000 $205,000 -48.1% 0.0%
GENEVA FINANCIAL, LLC $205,000 n/a 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $205,000 n/a 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $275,000 $205,000 -25.5% 0.0%
HORIZON $205,000 n/a 0.0%
MY MOVE MORTGAGE, LLC $205,000 n/a 0.0%
21ST MORTGAGE CORPORATION $165,000 $200,000 21.2% 0.0%
Colonial Savings, F.A. $215,000 $195,000 -9.3% 0.0%
LENDUS, LLC $195,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $195,000 n/a 0.0%
Utah Power $195,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $125,000 $185,000 48.0% 0.0%
Sierra Pacific Mortgage Company, Inc. $185,000 n/a 0.0%
Citibank $25,000 $175,000 600.0% 0.0%
DIRECTORS MORTGAGE, INC. $135,000 $175,000 29.6% 0.0%
Sunflower Bank $175,000 n/a 0.0%
JAMES B. NUTTER & COMPANY $570,000 $165,000 -71.1% 0.0%
ON Q FINANCIAL, INC. $145,000 n/a 0.0%
ROGUE $125,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $115,000 n/a 0.0%
SOFI LENDING CORP. $105,000 $115,000 9.5% 0.0%
HOMEXPRESS MORTGAGE CORP. $105,000 n/a 0.0%
State Department Federal Credit Union $105,000 n/a 0.0%
Figure Lending LLC $100,000 n/a 0.0%
Columbia State Bank $800,000 $65,000 -91.9% 0.0%
VERITAS FUNDING, LLC $65,000 n/a 0.0%

TWIN FALLS's top lender by overall market share is First Federal Savings Bank of Twin Falls, with 18.0% market share. In second place, with 13.6%, is IDAHO CENTRAL, having originated $196,470,000 in loans. In third place, with 7.1%, is QUICKEN LOANS, LLC, having originated $101,965,000 in loans. In fourth place, with 7.0%, is GUILD MORTGAGE COMPANY, having originated $100,285,000 in loans. In fifth place, with 6.5%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $93,230,000 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 (12.3%) 0.00 344
2018-02-01 $239,900 (7.6%) $306,234 (13.1%) 0.00 308
2018-03-01 $249,900 (11.2%) $311,696 (14.4%) 0.00 301
2018-04-01 $244,990 (2.1%) $306,269 (7.5%) 0.00 316
2018-05-01 $254,946 (1.6%) $318,666 (7.0%) 0.00 320
2018-06-01 $249,000 (-0.4%) $314,236 (6.2%) 0.00 375
2018-07-01 $244,400 (-1.9%) $305,691 (2.2%) 0.00 400
2018-08-01 $240,325 (-3.5%) $299,044 (-0.1%) 0.00 387
2018-09-01 $247,945 (-0.2%) $304,584 (3.4%) 0.00 389
2018-10-01 $247,718 (2.0%) $306,292 (5.3%) 0.00 384
2018-11-01 $252,450 (5.2%) $310,484 (5.4%) 0.00 363
2018-12-01 $261,990 (9.2%) $315,875 (7.9%) 0.00 335
2019-01-01 $252,475 (5.2%) $302,237 (1.9%) 0.00 314
2019-02-01 $248,600 (3.6%) $304,094 (-0.7%) 0.00 304
2019-03-01 $258,193 (3.3%) $313,975 (0.7%) 0.00 314
2019-04-01 $261,918 (6.9%) $322,973 (5.5%) 0.00 327
2019-05-01 $274,750 (7.8%) $331,437 (4.0%) 0.00 343
2019-06-01 $274,000 (10.0%) $334,443 (6.4%) 0.00 371
2019-07-01 $264,200 (8.1%) $310,191 (1.5%) 0.00 406
2019-08-01 $254,450 (5.9%) $307,919 (3.0%) 0.00 410
2019-09-01 $253,325 (2.2%) $318,073 (4.4%) 0.00 403
2019-10-01 $252,850 (2.1%) $326,596 (6.6%) 0.00 394
2019-11-01 $257,750 (2.1%) $330,210 (6.4%) 0.00 374
2019-12-01 $264,975 (1.1%) $338,427 (7.1%) 0.00 325
2020-01-01 $262,400 (3.9%) $325,108 (7.6%) 0.00 304
2020-02-01 $264,950 (6.6%) $330,861 (8.8%) 0.00 286
2020-03-01 $279,990 (8.4%) $338,745 (7.9%) 0.00 265
2020-04-01 $278,323 (6.3%) $335,222 (3.8%) 0.00 300
2020-05-01 $294,750 (7.3%) $360,826 (8.9%) 0.00 271
2020-06-01 $299,950 (9.5%) $384,909 (15.1%) 0.00 257
2020-07-01 $300,000 (13.6%) $390,803 (26.0%) 0.00 229
2020-08-01 $309,900 (21.8%) $398,398 (29.4%) 0.00 199
2020-09-01 $302,890 (19.6%) $389,527 (22.5%) 0.00 174
2020-10-01 $299,950 (18.6%) $392,317 (20.1%) 0.00 156
2020-11-01 $328,950 (27.6%) $409,234 (23.9%) 0.00 148
2020-12-01 $347,400 (31.1%) $423,170 (25.0%) 0.00 127
2021-01-01 $353,201 (34.6%) $457,040 (40.6%) 0.00 107
2021-02-01 $356,925 (34.7%) $466,169 (40.9%) 0.00 82
2021-03-01 $367,000 (31.1%) $462,519 (36.5%) 0.00 75
2021-04-01 $368,700 (32.5%) $471,862 (40.8%) 0.00 84
2021-05-01 $349,450 (18.6%) $454,534 (26.0%) 0.00 101
2021-06-01 $352,500 (17.5%) $453,565 (17.8%) 0.00 132
2021-07-01 $350,000 (16.7%) $444,300 (13.7%) 0.00 178
2021-08-01 $381,000 (22.9%) $480,548 (20.6%) 0.00 226
2021-09-01 $371,225 (22.6%) $477,954 (22.7%) 0.00 210
2021-10-01 $380,000 (26.7%) $510,709 (30.2%) 0.00 179
2021-11-01 $399,900 (21.6%) $524,307 (28.1%) 0.00 140
2021-12-01 $407,200 (17.2%) $532,576 (25.9%) 0.00 130
2022-01-01 $430,000 (21.7%) $556,872 (21.8%) 0.00 122
2022-02-01 $473,360 (32.6%) $567,589 (21.8%) 0.00 130
2022-03-01 $467,450 (27.4%) $544,898 (17.8%) 0.00 154
2022-04-01 $459,990 (24.8%) $515,716 (9.3%) 0.00 176
2022-05-01 $459,450 (31.5%) $538,007 (18.4%) 0.00 227
2022-06-01 $462,500 (31.2%) $532,459 (17.4%) 0.00 284
2022-07-01 $455,000 (30.0%) $531,406 (19.6%) 0.00 386
2022-08-01 $449,500 (18.0%) $529,230 (10.1%) 0.00 427
2022-09-01 $434,313 (17.0%) $518,731 (8.5%) 0.00 451
2022-10-01 $430,000 (13.2%) $512,692 (0.4%) 0.00 449
2022-11-01 $428,975 (7.3%) $498,812 (-4.9%) 0.00 455
TWIN FALLS's median listing price for 2022-11-01 was $428,975, a difference of $29,075 (7.3%) versus the prior year and $-1,025 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 2022-11-01 was $498,812, a difference of $-25,495 (-4.9%) versus the prior year and $-13,880 versus the prior month.

For the 2022-11-01 period, TWIN FALLS had 455 MLS listings, a difference of 6 listings (1%) versus the prior month and 315 listings (225%) 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 2,063 sqft
2018-03-01 0 days 2,077 sqft
2018-04-01 0 days 2,079 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 1,932 sqft
2018-10-01 0 days 1,927 sqft
2018-11-01 0 days 1,932 sqft
2018-12-01 0 days 2,054 sqft
2019-01-01 0 days 1,989 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 2,043 sqft
2019-06-01 0 days 2,054 sqft
2019-07-01 0 days 1,998 sqft
2019-08-01 0 days 1,951 sqft
2019-09-01 0 days 1,965 sqft
2019-10-01 0 days 1,993 sqft
2019-11-01 0 days 2,029 sqft
2019-12-01 0 days 2,015 sqft
2020-01-01 0 days 2,025 sqft
2020-02-01 0 days 2,040 sqft
2020-03-01 0 days 2,048 sqft
2020-04-01 0 days 2,065 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 2,124 sqft
2020-10-01 0 days 2,080 sqft
2020-11-01 0 days 2,177 sqft
2020-12-01 0 days 2,109 sqft
2021-01-01 0 days 2,134 sqft
2021-02-01 0 days 2,155 sqft
2021-03-01 0 days 2,247 sqft
2021-04-01 0 days 2,311 sqft
2021-05-01 0 days 2,050 sqft
2021-06-01 0 days 1,928 sqft
2021-07-01 0 days 1,920 sqft
2021-08-01 0 days 1,960 sqft
2021-09-01 0 days 1,941 sqft
2021-10-01 0 days 2,020 sqft
2021-11-01 0 days 2,026 sqft
2021-12-01 0 days 2,003 sqft
2022-01-01 0 days 2,102 sqft
2022-02-01 0 days 2,030 sqft
2022-03-01 0 days 1,950 sqft
2022-04-01 0 days 1,914 sqft
2022-05-01 0 days 1,912 sqft
2022-06-01 0 days 1,927 sqft
2022-07-01 0 days 1,913 sqft
2022-08-01 0 days 1,949 sqft
2022-09-01 0 days 1,926 sqft
2022-10-01 0 days 1,928 sqft
2022-11-01 0 days 1,918 sqft
TWIN FALLS's median listing age (time on market) for 2022-11-01 was 0 days.

TWIN FALLS's median square footage for active listings during the 2022-11-01 period was 1,918 sqft. One year prior, the average listing was 2,026 sqft.

TWIN FALLS, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,269 $595,195,000 $262,316
Cash Out Refi 2,045 $418,665,000 $204,726
Refi 1,814 $367,420,000 $202,547
Home Improvement 426 $40,230,000 $94,437
Other 180 $19,330,000 $107,389

Twin Falls's most frequently cited loan purpose was Home Purchase, with 2,269 originations. The 2nd most popular reason was Cash Out Refi, with 2,045 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,534 $594,470,000 $234,597
3-4% 2,307 $521,865,000 $226,209
<2.5% 1,172 $247,320,000 $211,024
4-5% 505 $59,145,000 $117,119
5-6% 125 $10,675,000 $85,400
6-7% 43 $2,395,000 $55,698
7-8% 19 $805,000 $42,368
Over 8% 14 $820,000 $58,571

During 2021, Twin Falls's most frequently originated rate bucket was 2.5-3%, with 2,534 originations.

Loan Sizing (TWIN FALLS, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 2,813 $764,085,000 $271,626
$100k-200k 2,229 $340,775,000 $152,882
$100,000 or less 1,175 $61,695,000 $52,506
$400k-600k 439 $207,095,000 $471,743
$600k-1000k 69 $50,415,000 $730,652
$Over $1MM 9 $16,775,000 $1,863,889

TWIN FALLS's loan sizing saw the bucket of loans from $200k-400k with 2,813 originations, totaling $764,085,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 2,278 $580,470,000 $254,816
80-100% 1,673 $466,775,000 $279,005
40-60% 1,241 $237,805,000 $191,624
20-40% 696 $80,190,000 $115,216
Under 20% 617 $21,545,000 $34,919
Over 100% 51 $17,745,000 $347,941

TWIN FALLS's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,278 originations, totaling $580,470,000 in origination value.