TWIN FALLS Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Twin Falls averaged
6.54%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.77% and
one month ago for the week of 2025-05-15, the
average rate was 6.54%.
Twin Falls's average rate one year ago was 6.78%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Twin Falls 30 Year Fixed Rate | 2025-06-18 | 6.54% |
| Twin Falls 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Twin Falls 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Twin Falls 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Twin Falls 30 Year FHA | 2025-06-18 | -0.4% |
| Twin Falls 30 Year FHA Refi | 2025-06-18 | 0% |
| Twin Falls 30 Year USDA | 2025-06-18 | -0.2% |
| Twin Falls 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Twin Falls 30 Year VA | 2025-06-18 | 0.15% |
| Twin Falls 30 Year VA Refi | 2025-06-18 | 0% |
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.).
TWIN FALLS Average Closing Costs & Other Stats
TWIN FALLS, ID's 98 lenders originated 2,792
loans during 2024. The total origination value was $665,550,000, with an average loan value of
$238,378.
TWIN FALLS's average closing costs are $6,618.
The top TWIN FALLS lender as defined by loan originations is IDAHO CENTRAL, with
163 loans originated. Their average total fees are
$7,235, which is $348
higher than the next largest lender,
First Federal Savings Bank of Twin Falls.
The lowest fee TWIN FALLS lenders (with over 10 loans originated) are
First Federal Savings Bank of Twin Falls ($6,887), D. L. Evans Bank ($7,140), IDAHO CENTRAL ($7,235), U.S. Bank ($8,035) and QUICKEN LOANS, LLC ($8,165).
The lowest rate TWIN FALLS lenders (with over 10 loans originated) are
PLANET HOME LENDING, LLC (6.11%), UNITED WHOLESALE MORTGAGE, LLC (6.29%), First Federal Savings Bank of Twin Falls (6.40%), IDAHO CENTRAL (6.43%) and U.S. Bank (6.45%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| IDAHO CENTRAL | $76,815,000 | $103,130,000 | 34.3% | 15.5% |
| First Federal Savings Bank of Twin Falls | $77,235,000 | $78,910,000 | 2.2% | 11.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $33,200,000 | $51,290,000 | 54.5% | 7.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $43,075,000 | $49,310,000 | 14.5% | 7.4% |
| NFM, INC. | $29,070,000 | $40,750,000 | 40.2% | 6.1% |
| GUILD MORTGAGE COMPANY | $25,685,000 | $32,650,000 | 27.1% | 4.9% |
| CORNERSTONE HOME LENDING, INC. | $25,875,000 | $29,250,000 | 13.0% | 4.4% |
| QUICKEN LOANS, LLC | $27,090,000 | $25,105,000 | -7.3% | 3.8% |
| D. L. Evans Bank | $9,845,000 | $20,885,000 | 112.1% | 3.1% |
| AXIA FINANCIAL, LLC | $27,120,000 | $19,930,000 | -26.5% | 3.0% |
| MOVEMENT MORTGAGE, LLC | $13,945,000 | $17,380,000 | 24.6% | 2.6% |
| U.S. Bank | $12,680,000 | $16,160,000 | 27.4% | 2.4% |
| KeyBank | $1,965,000 | $9,900,000 | 403.8% | 1.5% |
| PLANET HOME LENDING, LLC | $180,000 | $8,365,000 | 4,547.2% | 1.3% |
| MOUNTAIN AMERICA | $5,760,000 | $8,065,000 | 40.0% | 1.2% |
| Mortgage Research Center, LLC | $6,330,000 | $6,825,000 | 7.8% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $2,360,000 | $6,215,000 | 163.3% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $2,930,000 | $5,940,000 | 102.7% | 0.9% |
| WALKER & DUNLOP, LLC | $5,815,000 | n/a | 0.9% | |
| WESTMARK Credit Union | $2,450,000 | $4,600,000 | 87.8% | 0.7% |
| LOANDEPOT.COM, LLC | $3,050,000 | $4,475,000 | 46.7% | 0.7% |
| FARMERS BANK | $5,965,000 | $4,205,000 | -29.5% | 0.6% |
| NEWREZ LLC | $490,000 | $4,130,000 | 742.9% | 0.6% |
| EAST IDAHO Credit Union | $75,000 | $3,825,000 | 5,000.0% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,305,000 | $2,970,000 | -44.0% | 0.4% |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | $1,180,000 | $2,715,000 | 130.1% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $500,000 | $2,510,000 | 402.0% | 0.4% |
| Zions Bank | $5,775,000 | $2,445,000 | -57.7% | 0.4% |
| Northwest Farm Credit Services, FLCA | $900,000 | $2,440,000 | 171.1% | 0.4% |
| NUMERICA CREDIT UNION | $2,415,000 | n/a | 0.4% | |
| Bank of Idaho | $3,055,000 | $2,380,000 | -22.1% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,545,000 | $2,375,000 | 53.7% | 0.4% |
| BROKER SOLUTIONS, INC. | $1,145,000 | $2,265,000 | 97.8% | 0.3% |
| S1L, Inc. | $2,270,000 | $2,195,000 | -3.3% | 0.3% |
| Plains Commerce Bank | $150,000 | $2,100,000 | 1,300.0% | 0.3% |
| Flagstar Bank, FSB | $1,775,000 | $1,975,000 | 11.3% | 0.3% |
| CMG MORTGAGE, INC. | $965,000 | $1,905,000 | 97.4% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,840,000 | $1,900,000 | -33.1% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,005,000 | $1,895,000 | -5.5% | 0.3% |
| CONNECTIONS | $3,200,000 | $1,825,000 | -43.0% | 0.3% |
| ALLIANT CREDIT UNION | $1,820,000 | n/a | 0.3% | |
| Waterstone Mortgage Corporation | $695,000 | $1,770,000 | 154.7% | 0.3% |
| FIRST COLONY MORTGAGE CORPORATION | $2,215,000 | $1,730,000 | -21.9% | 0.3% |
| BMO Harris Bank | $1,440,000 | $1,655,000 | 14.9% | 0.2% |
| GUARANTEED RATE, INC. | $640,000 | $1,655,000 | 158.6% | 0.2% |
| PHH Mortgage Corporation | $2,180,000 | $1,620,000 | -25.7% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $1,600,000 | $1,595,000 | -0.3% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $1,110,000 | $1,580,000 | 42.3% | 0.2% |
| Wells Fargo Bank | $1,065,000 | $1,535,000 | 44.1% | 0.2% |
| Commerce Home Mortgage, Inc. | $585,000 | $1,485,000 | 153.8% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $950,000 | $1,455,000 | 53.2% | 0.2% |
| BETTER MORTGAGE CORPORATION | $425,000 | $1,310,000 | 208.2% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,660,000 | $1,305,000 | -64.3% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $395,000 | $1,205,000 | 205.1% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $285,000 | $1,185,000 | 315.8% | 0.2% |
| The Federal Savings Bank | $1,100,000 | n/a | 0.2% | |
| Century Mortgage Company DBA Century Lending Company | $605,000 | $1,035,000 | 71.1% | 0.2% |
| NEW DAY FINANCIAL, LLC | $550,000 | $1,025,000 | 86.4% | 0.2% |
| LOANPAL, LLC | $655,000 | $990,000 | 51.1% | 0.1% |
| Discover Bank | $1,630,000 | $930,000 | -42.9% | 0.1% |
| JPMorgan Chase Bank | $3,185,000 | $930,000 | -70.8% | 0.1% |
| OCMBC, INC. | $215,000 | $930,000 | 332.6% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,510,000 | $910,000 | -39.7% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $415,000 | $905,000 | 118.1% | 0.1% |
| AMERICA FIRST | $1,365,000 | $900,000 | -34.1% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,185,000 | $820,000 | -30.8% | 0.1% |
| Washington Federal Bank | $1,420,000 | $790,000 | -44.4% | 0.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $335,000 | $780,000 | 132.8% | 0.1% |
| Glacier Bank | $445,000 | $770,000 | 73.0% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $765,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $445,000 | $760,000 | 70.8% | 0.1% |
| SIRVA MORTGAGE, INC. | $275,000 | $680,000 | 147.3% | 0.1% |
| RESIDENTIAL MORTGAGE, LLC | $95,000 | $675,000 | 610.5% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $445,000 | $660,000 | 48.3% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $255,000 | $655,000 | 156.9% | 0.1% |
| AmeriHome Mortgage Company, LLC | $295,000 | $650,000 | 120.3% | 0.1% |
| First Federal Bank | $650,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $545,000 | $635,000 | 16.5% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $245,000 | $620,000 | 153.1% | 0.1% |
| Washington Trust Bank | $245,000 | $595,000 | 142.9% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,775,000 | $590,000 | -66.8% | 0.1% |
| Nations Lending Corporation | $550,000 | $590,000 | 7.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $380,000 | $585,000 | 53.9% | 0.1% |
| LADERA LENDING, INC. | $580,000 | n/a | 0.1% | |
| CASTLE & COOKE MORTGAGE, LLC | $350,000 | $550,000 | 57.1% | 0.1% |
| NBKC BANK | $685,000 | $545,000 | -20.4% | 0.1% |
| North American Savings Bank, F.S.B. | $545,000 | n/a | 0.1% | |
| SECURITY HOME MORTGAGE, LLC. | $545,000 | n/a | 0.1% | |
| PNC Bank | $220,000 | $535,000 | 143.2% | 0.1% |
| Eagle Bank and Trust Company | $530,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $530,000 | n/a | 0.1% | |
| Logan Finance Corporation | $515,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $595,000 | $485,000 | -18.5% | 0.1% |
| First International Bank & Trust | $465,000 | $465,000 | 0.0% | 0.1% |
| MORTGAGE EXPRESS, LLC | $465,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $460,000 | n/a | 0.1% | |
| Figure Lending LLC | $215,000 | $425,000 | 97.7% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $425,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $365,000 | $425,000 | 16.4% | 0.1% |
| Citadel Servicing Corporation | $420,000 | n/a | 0.1% | |
| AHL FUNDING | $405,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $405,000 | n/a | 0.1% | |
| Arvest Bank | $395,000 | n/a | 0.1% | |
| PLUS RELOCATION MORTGAGE, LLC | $385,000 | n/a | 0.1% | |
| VAN DYK MORTGAGE CORPORATION | $760,000 | $385,000 | -49.3% | 0.1% |
| Magnolia Bank | $365,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $365,000 | n/a | 0.1% | |
| Utah Mortgage Loan Corporation | $365,000 | n/a | 0.1% | |
| The Bank of Commerce | $275,000 | $355,000 | 29.1% | 0.1% |
| VERITAS FUNDING, LLC | $1,110,000 | $355,000 | -68.0% | 0.1% |
| FIRST TECHNOLOGY | $815,000 | $350,000 | -57.1% | 0.1% |
| Banner Bank | $14,750,000 | $345,000 | -97.7% | 0.1% |
| Northpointe Bank | $335,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $330,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $315,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $950,000 | $315,000 | -66.8% | 0.0% |
| EMBRACE HOME LOANS, INC. | $305,000 | n/a | 0.0% | |
| ALTURA | $295,000 | n/a | 0.0% | |
| Brighton Bank | $295,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $205,000 | $285,000 | 39.0% | 0.0% |
| IAA Credit Union | $285,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $275,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,150,000 | $275,000 | -76.1% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $125,000 | $265,000 | 112.0% | 0.0% |
| SUMMIT FUNDING, INC. | $275,000 | $265,000 | -3.6% | 0.0% |
| AMWEST FUNDING CORP. | $255,000 | n/a | 0.0% | |
| GRANITE FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| Flanagan State Bank | $245,000 | n/a | 0.0% | |
| SPOKANE TEACHERS | $245,000 | n/a | 0.0% | |
| City National Bank | $235,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $385,000 | $235,000 | -39.0% | 0.0% |
| Umpqua Bank | $280,000 | $235,000 | -16.1% | 0.0% |
| BEEHIVE | $115,000 | $230,000 | 100.0% | 0.0% |
| BOKF | $225,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $355,000 | $215,000 | -39.4% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $215,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $205,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $205,000 | n/a | 0.0% | |
| Ixonia Bank | $445,000 | $195,000 | -56.2% | 0.0% |
| NexBank | $195,000 | n/a | 0.0% | |
| UTAH FIRST | $195,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $185,000 | n/a | 0.0% | |
| Willamette Valley Bank | $745,000 | $185,000 | -75.2% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $585,000 | $175,000 | -70.1% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $890,000 | $165,000 | -81.5% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $90,000 | $165,000 | 83.3% | 0.0% |
| 21ST MORTGAGE CORPORATION | $65,000 | $155,000 | 138.5% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $125,000 | $150,000 | 20.0% | 0.0% |
| Carrington Mortgage Services, LLC | $370,000 | $145,000 | -60.8% | 0.0% |
| HighTechLending Inc | $145,000 | n/a | 0.0% | |
| GOLDENWEST | $75,000 | $135,000 | 80.0% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $95,000 | $115,000 | 21.1% | 0.0% |
| Bank of America | $720,000 | $105,000 | -85.4% | 0.0% |
| Firefighters First Federal Credit Union | $105,000 | n/a | 0.0% | |
| Sunflower Bank | $255,000 | $105,000 | -58.8% | 0.0% |
| Deere Employees Credit Union | $110,000 | $95,000 | -13.6% | 0.0% |
| Ally Bank | $380,000 | $85,000 | -77.6% | 0.0% |
| GEORGIA'S OWN | $75,000 | $85,000 | 13.3% | 0.0% |
| HomeStreet Bank | $75,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $285,000 | $65,000 | -77.2% | 0.0% |
| Consolidated Federal Credit Union | $55,000 | n/a | 0.0% | |
| HomeTrust Bank | $325,000 | $55,000 | -83.1% | 0.0% |
| Utah Power | $135,000 | $55,000 | -59.3% | 0.0% |
TWIN FALLS's top lender by overall market share is IDAHO CENTRAL, with 15.5% market share. In second place, with 11.9%, is First Federal Savings Bank of Twin Falls, having originated $78,910,000 in loans. In third place, with 7.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $51,290,000 in loans. In fourth place, with 7.4%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $49,310,000 in loans. In fifth place, with 6.1%, is NFM, INC., having originated $40,750,000 in loans.
TWIN FALLS, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,519 | $466,915,000 | $307,383 |
| Home Improvement | 398 | $35,540,000 | $89,296 |
| Cash Out Refi | 390 | $72,280,000 | $185,333 |
| Refi | 310 | $75,200,000 | $242,581 |
| Other | 175 | $15,615,000 | $89,229 |
Twin Falls's most frequently cited loan purpose was Home Purchase, with 1,519 originations. The 2nd most popular reason was Home Improvement, with 398 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,090 | $329,340,000 | $302,147 |
| Over 8% | 718 | $67,350,000 | $93,802 |
| 7-8% | 464 | $106,710,000 | $229,978 |
| 5-6% | 452 | $142,820,000 | $315,973 |
| 4-5% | 31 | $8,745,000 | $282,097 |
| <2.5% | 7 | $675,000 | $96,429 |
| 3-4% | 3 | $395,000 | $131,667 |
| 2.5-3% | 3 | $905,000 | $301,667 |
During 2024, Twin Falls's most frequently originated rate bucket was 6-7%, with 1,090 originations.
Loan Sizing (TWIN FALLS, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,210 | $351,820,000 | $290,760 |
| $100,000 or less | 777 | $35,015,000 | $45,064 |
| $100k-200k | 469 | $70,215,000 | $149,712 |
| $400k-600k | 258 | $121,640,000 | $471,473 |
| $600k-1000k | 65 | $44,685,000 | $687,462 |
| $Over $1MM | 13 | $42,175,000 | $3,244,231 |
TWIN FALLS's loan sizing saw the bucket of loans from $200k-400k with 1,210 originations, totaling $351,820,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,002 | $336,170,000 | $335,499 |
| Under 20% | 641 | $27,615,000 | $43,081 |
| 60-80% | 447 | $154,285,000 | $345,157 |
| 20-40% | 360 | $47,540,000 | $132,056 |
| 40-60% | 268 | $74,890,000 | $279,440 |
| Over 100% | 27 | $9,535,000 | $353,148 |
TWIN FALLS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,002 originations, totaling $336,170,000 in origination value.