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 6.61% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.58% and one month ago for the week of 2024-01-18, the average rate was 6.01%.

Twin Falls's average rate one year ago was 6.06%.

For refis of the same type during the week of 2024-02-22, the average rate was 6.33%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Twin Falls 30 Year Fixed Rate 2024-02-22 6.61%
Twin Falls 30 Year Fixed Rate Refi 2024-02-22 6.33%
Twin Falls 15 Year Fixed Rate 2024-02-22 6.19%
Twin Falls 15 Year Fixed Rate Refi 2024-02-22 6.89%
Twin Falls 30 Year FHA 2024-02-22 -0.24%
Twin Falls 30 Year FHA Refi 2024-02-22 -0.1%
Twin Falls 30 Year USDA 2024-02-22 0.2%
Twin Falls 30 Year USDA Refi 2024-02-22 0%
Twin Falls 30 Year VA 2024-02-22 -0.53%
Twin Falls 30 Year VA Refi 2024-02-22 -0.1%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
IDAHO CENTRAL 275 4.54% $6,382
First Federal Savings Bank of Twin Falls 218 4.73% $6,118
QUICKEN LOANS, LLC 116 4.72% $7,755
GUILD MORTGAGE COMPANY 116 5.00% $7,638
PREMIER MORTGAGE RESOURCES, L.L.C. 110 5.13% $8,274
UNITED WHOLESALE MORTGAGE, LLC 68 4.47% $7,058
AXIA FINANCIAL, LLC 65 4.92% $7,944
NFM, INC. 59 5.03% $8,014
PIONEER 57 4.29% $5,914
MOVEMENT MORTGAGE, LLC 44 4.94% $6,328
U.S. Bank 41 4.50% $7,165
CORNERSTONE HOME LENDING, INC. 38 5.00% $7,888
LOANDEPOT.COM, LLC 33 4.47% $6,644
Bank of Idaho 29 4.65% $6,092
D. L. Evans Bank 28 4.63% $6,333
Wells Fargo Bank 20 4.28% $3,832
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 4.76% $8,006
PENNYMAC LOAN SERVICES, LLC 14 4.34% $9,647
S1L, Inc. 13 5.01% $11,098
MOUNTAIN AMERICA 10 4.81% $7,736
JPMorgan Chase Bank 10 4.04% $7,012
Mr. Cooper ( Nationstar Mortgage ) 8 5.14% $7,156
AMERISAVE MORTGAGE CORPORATION 8 4.09% $9,990
ACADEMY MORTGAGE CORPORATION 8 5.23% $9,623
Flagstar Bank, FSB 8 4.95% $7,383
BROKER SOLUTIONS, INC. 7 5.18% $4,918
KeyBank 7 3.80% $7,479
FREEDOM MORTGAGE CORPORATION 7 4.30% $6,630
Washington Federal Bank 7 4.20% $9,456
HOME POINT FINANCIAL CORPORATION 7 4.41% $6,311
Zions Bank 6 5.79% $8,407
CALIBER HOME LOANS, INC. 6 4.49% $6,951
NEWREZ LLC 5 4.82% $8,390
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 4.98% $5,068
SUMMIT FUNDING, INC. 5 5.00% $8,172
LOANPAL, LLC 5 4.12% $11,373
Northpointe Bank 4 4.03% $6,975
FIRST COLONY MORTGAGE CORPORATION 4 4.03% $5,354
CHURCHILL MORTGAGE CORPORATION 4 5.59% $6,511
KELLER MORTGAGE, LLC 4 4.47% $8,731
CARDINAL FINANCIAL 4 4.28% $6,822
BETTER MORTGAGE CORPORATION 3 4.29% $6,314
AMERICAN FINANCING CORPORATION 3 5.42% $10,134
BAY EQUITY LLC 3 4.25% $10,638
CAPITAL EDUCATORS FEDERAL CREDIT UNION 3 4.58% $7,623
CMG MORTGAGE, INC. 3 4.63% $12,557
FINANCE OF AMERICA MORTGAGE LLC 3 4.92% $7,691
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 4.58% $15,532
Willamette Valley Bank 3 5.96% $8,843
Bank of America 2 3.75% $5,408
Northwest Farm Credit Services, FLCA 2 7.38% $11,364
GUARANTEED RATE, INC. 2 4.45% $5,453
Paramount Residential Mortgage Group, Inc. 2 4.75% $6,725
Gateway First Bank 2 4.00% $5,781
CROSSCOUNTRY MORTGAGE, LLC 2 4.06% $4,087
USAA Federal Savings Bank 2 6.00% $4,717
MANN FINANCIAL INC. 2 6.25% $5,838
Boeing Employees Credit Union 2 4.44% $3,651
PLANET HOME LENDING, LLC 2 6.31% $4,619
JMJ FINANCIAL GROUP 2 4.50% $5,499
AMCAP MORTGAGE, LTD. 2 5.69% $10,296
WESTMARK Credit Union 2 4.50% $8,052
Carrington Mortgage Services, LLC 2 4.44% $5,373
Wyndham Capital Mortgage, Inc. 2 4.69% $5,095
North American Savings Bank, F.S.B. 2 4.69% $8,753
LAKEVIEW LOAN SERVICING, LLC 2 4.00% $8,779
CLEARPATH LENDING 1 3.75% $14,535
MICHIGAN MUTUAL, INC. 1 4.99% $6,071
Morgan Stanley Private Bank 1 2.95% $4,656
MORTGAGE LENDING GROUP LLC 1 6.00% $4,541
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 4.50% $2,881
Citizens Bank 1 3.88% $4,610
Citadel Servicing Corporation 1 6.13% $8,420
CHERRY CREEK MORTGAGE, LLC 1 3.75% $1,419
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.37% $8,917
Nations Lending Corporation 1 5.63% $12,144
NAVY FEDERAL CREDIT UNION 1 3.38% $14,056
NETWORK CAPITAL FUNDING CORPORATION 1 6.00% $3,694
CASTLE & COOKE MORTGAGE, LLC 1 4.88% $6,819
NexBank 1 6.00% $4,939
CANOPY MORTGAGE, LLC 1 6.00% $6,585
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.13% $7,934
CALCON MUTUAL MORTGAGE LLC 1 6.13% $6,626
PENTAGON FEDERAL CREDIT UNION 1 4.38% $9,944
PHH Mortgage Corporation 1 3.13% $7,279
PNC Bank 1 5.38% $7,950
21ST MORTGAGE CORPORATION 1 7.29% $6,181
ZILLOW HOME LOANS, LLC 1 7.13% $7,043
Banner Bank 1 5.13% $3,931
Raymond James Bank 1 3.38% $4,453
ROGUE 1 6.38% $3,649
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 6.00% $5,430
ATHAS CAPITAL GROUP, INC. 1 9.10% $7,303
SAMMAMISH MORTGAGE COMPANY 1 5.13% $11,935
SECURITY HOME MORTGAGE, LLC. 1 6.88% $6,872
SECURITYNATIONAL MORTGAGE COMPANY 1 5.00% $6,415
Sierra Pacific Mortgage Company, Inc. 1 3.38% $3,814
SIRVA MORTGAGE, INC. 1 3.88% $4,382
Southside Bank 1 4.25% $6,917
STEARNS LENDING, LLC 1 3.38% $3,939
Stifel Bank and Trust 1 3.75% $3,480
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 4.38% $4,651
Summit Mortgage Corporation 1 5.63% $7,264
Texana Bank 1 5.63% $5,380
Umpqua Bank 1 5.88% $6,207
UNITED 1 3.25% $3,615
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.38% $7,698
AMERICAN INTERNET MORTGAGE, INC. 1 3.00% $3,780
AMERICA FIRST 1 3.88% $7,828
Washington Trust Bank 1 4.38% $4,280
Watermark Capital, Inc. 1 4.13% $10,315
ADVANTAGE PLUS 1 5.13% $6,236
FirstBank 1 2.99% $3,678
First Interstate Bank 1 4.63% $4,824
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 8.13% $6,669
First National Bank of America 1 7.00% $15,597
EVERETT FINANCIAL, INC. 1 6.00% $3,214
Florida Capital Bank 1 4.75% $16,663
EMBRACE HOME LOANS, INC. 1 3.25% $7,085
Glacier Bank 1 3.13% $10,185
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.88% $3,587
EAST IDAHO Credit Union 1 5.95% $5,881
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.13% $14,972
Eagle Bank and Trust Company 1 6.13% $4,155
DIRECTORS MORTGAGE, INC. 1 6.53% $6,047
INFINITY EQUITY GROUP, INC. 1 4.38% $7,060
DIRECT MORTGAGE, CORP. 1 5.38% $6,366
DIGITAL Federal Credit Union 1 6.75% $4,825
LADERA LENDING, INC. 1 4.25% $5,901
LENDSURE MORTGAGE CORP. 1 8.25% $21,295
CRESCENT MORTGAGE COMPANY 1 4.99% $7,157

TWIN FALLS Average Closing Costs & Other Stats

TWIN FALLS, ID's 131 lenders originated 4,110 loans during 2022. The total origination value was $978,080,000, with an average loan value of $237,976.

TWIN FALLS's average closing costs are $6,075.

The top TWIN FALLS lender as defined by loan originations is IDAHO CENTRAL, with 275 loans originated. Their average total fees are $6,382, which is $265 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 Wells Fargo Bank ($3,832), PIONEER ($5,914), Bank of Idaho ($6,092), First Federal Savings Bank of Twin Falls ($6,118) and MOVEMENT MORTGAGE, LLC ($6,328).

The lowest rate TWIN FALLS lenders (with over 10 loans originated) are JPMorgan Chase Bank (4.04%), Wells Fargo Bank (4.28%), PIONEER (4.29%), PENNYMAC LOAN SERVICES, LLC (4.34%) and UNITED WHOLESALE MORTGAGE, LLC (4.47%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
First Federal Savings Bank of Twin Falls $259,635,000 $142,670,000 -45.0% 14.6%
IDAHO CENTRAL $196,470,000 $138,010,000 -29.8% 14.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $93,230,000 $61,215,000 -34.3% 6.3%
GUILD MORTGAGE COMPANY $100,285,000 $52,040,000 -48.1% 5.3%
QUICKEN LOANS, LLC $101,965,000 $46,845,000 -54.1% 4.8%
UNITED WHOLESALE MORTGAGE, LLC $49,395,000 $36,065,000 -27.0% 3.7%
AXIA FINANCIAL, LLC $51,220,000 $33,545,000 -34.5% 3.4%
NFM, INC. $1,265,000 $30,390,000 2,302.4% 3.1%
U.S. Bank $26,895,000 $27,645,000 2.8% 2.8%
CORNERSTONE HOME LENDING, INC. $2,340,000 $26,715,000 1,041.7% 2.7%
CBRE MULTIFAMILY CAPITAL, INC. $26,070,000 n/a 2.7%
D. L. Evans Bank $61,325,000 $21,265,000 -65.3% 2.2%
First Interstate Bank $20,680,000 n/a 2.1%
MOVEMENT MORTGAGE, LLC $34,330,000 $19,545,000 -43.1% 2.0%
PIONEER $13,400,000 $18,650,000 39.2% 1.9%
LOANDEPOT.COM, LLC $21,130,000 $15,745,000 -25.5% 1.6%
MOUNTAIN AMERICA $11,840,000 $11,425,000 -3.5% 1.2%
Bank of Idaho $17,840,000 $9,945,000 -44.3% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $15,405,000 $8,800,000 -42.9% 0.9%
Zions Bancorporation, N.A. $6,245,000 $7,680,000 23.0% 0.8%
PENNYMAC LOAN SERVICES, LLC $12,725,000 $7,425,000 -41.7% 0.8%
Mortgage Research Center, LLC $11,955,000 $7,135,000 -40.3% 0.7%
KeyBank $12,130,000 $6,775,000 -44.1% 0.7%
S1L, Inc. $10,565,000 $6,395,000 -39.5% 0.7%
FARMERS BANK $4,795,000 $6,255,000 30.4% 0.6%
Wells Fargo Bank $9,225,000 $5,985,000 -35.1% 0.6%
FREEDOM MORTGAGE CORPORATION $21,040,000 $5,785,000 -72.5% 0.6%
WESTMARK Credit Union $7,660,000 $5,295,000 -30.9% 0.5%
Banner Bank $2,770,000 $5,065,000 82.9% 0.5%
AMERISAVE MORTGAGE CORPORATION $12,325,000 $4,985,000 -59.6% 0.5%
CONNECTIONS $3,585,000 $4,335,000 20.9% 0.4%
PHH Mortgage Corporation $2,970,000 $4,140,000 39.4% 0.4%
Washington Federal Bank $3,475,000 $4,105,000 18.1% 0.4%
ACADEMY MORTGAGE CORPORATION $4,070,000 $4,080,000 0.2% 0.4%
HOME POINT FINANCIAL CORPORATION $4,670,000 $3,975,000 -14.9% 0.4%
JPMorgan Chase Bank $6,285,000 $3,905,000 -37.9% 0.4%
CALIBER HOME LOANS, INC. $8,685,000 $3,865,000 -55.5% 0.4%
WALKER & DUNLOP, LLC $3,385,000 n/a 0.3%
CAPITAL EDUCATORS FEDERAL CREDIT UNION $3,270,000 $3,255,000 -0.5% 0.3%
LOANPAL, LLC $5,205,000 $2,710,000 -47.9% 0.3%
Flagstar Bank, FSB $8,995,000 $2,690,000 -70.1% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $6,305,000 $2,625,000 -58.4% 0.3%
NEW DAY FINANCIAL, LLC $3,100,000 $2,540,000 -18.1% 0.3%
NEWREZ LLC $6,115,000 $2,525,000 -58.7% 0.3%
The Federal Savings Bank $2,345,000 $2,495,000 6.4% 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $7,165,000 $2,295,000 -68.0% 0.2%
Carrington Mortgage Services, LLC $1,100,000 $2,165,000 96.8% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,570,000 $2,140,000 -40.1% 0.2%
Northpointe Bank $310,000 $2,080,000 571.0% 0.2%
Glacier Bank $2,320,000 $1,985,000 -14.4% 0.2%
SUMMIT FUNDING, INC. $3,835,000 $1,970,000 -48.6% 0.2%
Willamette Valley Bank $2,890,000 $1,965,000 -32.0% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,370,000 $1,950,000 -17.7% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $3,230,000 $1,940,000 -39.9% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,705,000 $1,850,000 8.5% 0.2%
AMERICAN ADVISORS GROUP $2,395,000 $1,805,000 -24.6% 0.2%
AMERICA FIRST $2,115,000 $1,750,000 -17.3% 0.2%
USAA Federal Savings Bank $1,385,000 $1,745,000 26.0% 0.2%
BROKER SOLUTIONS, INC. $5,895,000 $1,730,000 -70.7% 0.2%
AMERICAN FINANCING CORPORATION $5,930,000 $1,720,000 -71.0% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $2,010,000 $1,630,000 -18.9% 0.2%
NAVY FEDERAL CREDIT UNION $4,705,000 $1,620,000 -65.6% 0.2%
FIRST COLONY MORTGAGE CORPORATION $1,835,000 $1,555,000 -15.3% 0.2%
CMG MORTGAGE, INC. $2,535,000 $1,465,000 -42.2% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $5,950,000 $1,465,000 -75.4% 0.1%
Paramount Residential Mortgage Group, Inc. $510,000 $1,430,000 180.4% 0.1%
KELLER MORTGAGE, LLC $6,275,000 $1,420,000 -77.4% 0.1%
LAKEVIEW LOAN SERVICING, LLC $4,045,000 $1,350,000 -66.6% 0.1%
Armed Forces Bank $1,230,000 n/a 0.1%
BAY EQUITY LLC $2,060,000 $1,175,000 -43.0% 0.1%
BETTER MORTGAGE CORPORATION $11,945,000 $1,135,000 -90.5% 0.1%
AMCAP MORTGAGE, LTD. $585,000 $1,040,000 77.8% 0.1%
North American Savings Bank, F.S.B. $2,405,000 $1,040,000 -56.8% 0.1%
Northwest Farm Credit Services, FLCA $590,000 $1,000,000 69.5% 0.1%
Commerce Home Mortgage, Inc. $1,040,000 $995,000 -4.3% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,275,000 $995,000 -22.0% 0.1%
GUARANTEED RATE, INC. $1,850,000 $950,000 -48.6% 0.1%
CHURCHILL MORTGAGE CORPORATION $1,230,000 $935,000 -24.0% 0.1%
PNC Bank $1,830,000 $905,000 -50.5% 0.1%
LENDSURE MORTGAGE CORP. $885,000 n/a 0.1%
Gateway First Bank $4,610,000 $855,000 -81.5% 0.1%
QUORUM FEDERAL CREDIT UNION $850,000 n/a 0.1%
RANLIFE, INC. $920,000 $835,000 -9.2% 0.1%
REVERSE MORTGAGE FUNDING LLC $185,000 $805,000 335.1% 0.1%
Waterstone Mortgage Corporation $950,000 $800,000 -15.8% 0.1%
Bank of America $2,010,000 $790,000 -60.7% 0.1%
FirstBank $865,000 $780,000 -9.8% 0.1%
INFINITY EQUITY GROUP, INC. $760,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $2,335,000 $760,000 -67.5% 0.1%
CALCON MUTUAL MORTGAGE LLC $1,705,000 $755,000 -55.7% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,680,000 $755,000 -55.1% 0.1%
CANOPY MORTGAGE, LLC $3,905,000 $750,000 -80.8% 0.1%
FINANCE OF AMERICA REVERSE LLC $840,000 $740,000 -11.9% 0.1%
Citizens Alliance Bank $435,000 $730,000 67.8% 0.1%
CLEARPATH LENDING $905,000 $715,000 -21.0% 0.1%
Raymond James Bank $655,000 n/a 0.1%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $1,440,000 $650,000 -54.9% 0.1%
JMJ FINANCIAL GROUP $645,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $1,055,000 $645,000 -38.9% 0.1%
Citizens Bank $635,000 n/a 0.1%
MANN FINANCIAL INC. $1,255,000 $595,000 -52.6% 0.1%
ZILLOW HOME LOANS, LLC $975,000 $570,000 -41.5% 0.1%
HighTechLending Inc $565,000 n/a 0.1%
PLANET HOME LENDING, LLC $920,000 $560,000 -39.1% 0.1%
Discover Bank $695,000 $555,000 -20.1% 0.1%
INTERCAP LENDING INC. $1,905,000 $540,000 -71.7% 0.1%
Umpqua Bank $965,000 $535,000 -44.6% 0.1%
Morgan Stanley Private Bank $1,185,000 $515,000 -56.5% 0.1%
Southside Bank $515,000 n/a 0.1%
KINECTA $505,000 n/a 0.1%
Stifel Bank and Trust $510,000 $500,000 -2.0% 0.1%
Florida Capital Bank $400,000 $495,000 23.8% 0.1%
Strong Home Mortgage, LLC $620,000 $495,000 -20.2% 0.1%
BEEHIVE $280,000 $480,000 71.4% 0.0%
Boeing Employees Credit Union $1,735,000 $480,000 -72.3% 0.0%
EVERETT FINANCIAL, INC. $510,000 $480,000 -5.9% 0.0%
Texana Bank $235,000 $480,000 104.3% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,110,000 $470,000 -57.7% 0.0%
DIRECT MORTGAGE, CORP. $550,000 $435,000 -20.9% 0.0%
CHERRY CREEK MORTGAGE, LLC $280,000 $430,000 53.6% 0.0%
Nations Lending Corporation $1,115,000 $430,000 -61.4% 0.0%
First National Bank of America $405,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $820,000 $400,000 -51.2% 0.0%
Utah Mortgage Loan Corporation $395,000 n/a 0.0%
Watermark Capital, Inc. $530,000 $395,000 -25.5% 0.0%
DIGITAL Federal Credit Union $385,000 n/a 0.0%
Bank of the West $1,485,000 $380,000 -74.4% 0.0%
NBKC BANK $1,300,000 $375,000 -71.2% 0.0%
SAMMAMISH MORTGAGE COMPANY $375,000 n/a 0.0%
First Federal Bank $205,000 $365,000 78.0% 0.0%
ADVANTAGE PLUS $570,000 $355,000 -37.7% 0.0%
Stride Bank $355,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $760,000 $340,000 -55.3% 0.0%
Figure Lending LLC $100,000 $335,000 235.0% 0.0%
The Bank of Commerce $335,000 n/a 0.0%
Capital Bank $325,000 n/a 0.0%
Magnolia Bank $405,000 $325,000 -19.8% 0.0%
Washington Trust Bank $830,000 $325,000 -60.8% 0.0%
SIRVA MORTGAGE, INC. $305,000 $315,000 3.3% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $310,000 n/a 0.0%
CRESCENT MORTGAGE COMPANY $320,000 $305,000 -4.7% 0.0%
Hometown Lenders, Inc. $305,000 n/a 0.0%
GTE Federal Credit Union $295,000 n/a 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $1,495,000 $295,000 -80.3% 0.0%
GOLDENWEST $615,000 $285,000 -53.7% 0.0%
Sierra Pacific Mortgage Company, Inc. $185,000 $275,000 48.6% 0.0%
VERITAS FUNDING, LLC $65,000 $275,000 323.1% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $265,000 n/a 0.0%
21ST MORTGAGE CORPORATION $200,000 $255,000 27.5% 0.0%
Citadel Servicing Corporation $780,000 $255,000 -67.3% 0.0%
EMBRACE HOME LOANS, INC. $320,000 $255,000 -20.3% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $205,000 $255,000 24.4% 0.0%
MID AMERICA MORTGAGE, INC. $410,000 $255,000 -37.8% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $255,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $115,000 $245,000 113.0% 0.0%
STEARNS LENDING, LLC $3,510,000 $245,000 -93.0% 0.0%
Summit Mortgage Corporation $325,000 $245,000 -24.6% 0.0%
EAST IDAHO Credit Union $880,000 $240,000 -72.7% 0.0%
Greenbox Loans, Inc. $215,000 $215,000 0.0% 0.0%
LADERA LENDING, INC. $215,000 n/a 0.0%
Low VA Rates, LLC $1,125,000 $215,000 -80.9% 0.0%
SECURITY HOME MORTGAGE, LLC. $215,000 n/a 0.0%
VILLAGE CAPITAL MORTGAGE $1,635,000 $215,000 -86.9% 0.0%
BM Real Estate Services, Inc. $205,000 n/a 0.0%
ATHAS CAPITAL GROUP, INC. $205,000 $195,000 -4.9% 0.0%
CASTLE & COOKE MORTGAGE, LLC $195,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $195,000 n/a 0.0%
ROGUE $125,000 $195,000 56.0% 0.0%
US MORTGAGE CORPORATION $195,000 n/a 0.0%
HORIZON $205,000 $190,000 -7.3% 0.0%
LONGBRIDGE FINANCIAL, LLC $790,000 $185,000 -76.6% 0.0%
CITYWIDE HOME LOANS, LLC $825,000 $175,000 -78.8% 0.0%
DIRECTORS MORTGAGE, INC. $175,000 $175,000 0.0% 0.0%
MY MOVE MORTGAGE, LLC $205,000 $175,000 -14.6% 0.0%
VAN DYK MORTGAGE CORPORATION $555,000 $175,000 -68.5% 0.0%
Citibank $175,000 $135,000 -22.9% 0.0%
MORTGAGE LENDING GROUP LLC $135,000 n/a 0.0%
NexBank $135,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $605,000 $125,000 -79.3% 0.0%
Eagle Bank and Trust Company $785,000 $125,000 -84.1% 0.0%
Rock Canyon Bank $800,000 $115,000 -85.6% 0.0%
V.I.P. MORTGAGE, INC. $115,000 n/a 0.0%
LENDINGONE, LLC $105,000 n/a 0.0%
UNITED $105,000 n/a 0.0%
UNIVERSITY CREDIT UNION $105,000 n/a 0.0%
HomeTrust Bank $95,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $255,000 $85,000 -66.7% 0.0%
Potlatch No. 1 Financial Credit Union $385,000 $85,000 -77.9% 0.0%
Equity Prime Mortgage LLC $75,000 n/a 0.0%
Deere Employees Credit Union $15,000 n/a 0.0%

TWIN FALLS's top lender by overall market share is First Federal Savings Bank of Twin Falls, with 14.6% market share. In second place, with 14.1%, is IDAHO CENTRAL, having originated $138,010,000 in loans. In third place, with 6.3%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $61,215,000 in loans. In fourth place, with 5.3%, is GUILD MORTGAGE COMPANY, having originated $52,040,000 in loans. In fifth place, with 4.8%, is QUICKEN LOANS, LLC, having originated $46,845,000 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
TWIN FALLS's median listing price for 2023-12-01 was $409,900, a difference of $-5,100 (-1.2%) versus the prior year and $350 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 2023-12-01 was $501,692, a difference of $16,017 (3.3%) versus the prior year and $3,538 versus the prior month.

For the 2023-12-01 period, TWIN FALLS had 382 MLS listings, a difference of -20 listings (-5%) versus the prior month and -39 listings (-9%) 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
TWIN FALLS's median listing age (time on market) for 2023-12-01 was 0 days.

TWIN FALLS's median square footage for active listings during the 2023-12-01 period was 1,906 sqft. One year prior, the average listing was 1,898 sqft.

TWIN FALLS, ID Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,811 $593,265,000 $327,590
Cash Out Refi 1,067 $216,595,000 $202,994
Home Improvement 521 $45,865,000 $88,033
Refi 370 $90,760,000 $245,297
Other 341 $31,595,000 $92,654

Twin Falls's most frequently cited loan purpose was Home Purchase, with 1,811 originations. The 2nd most popular reason was Cash Out Refi, with 1,067 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
4-5% 1,068 $275,630,000 $258,081
3-4% 977 $259,385,000 $265,491
5-6% 919 $227,995,000 $248,090
6-7% 562 $94,940,000 $168,932
2.5-3% 216 $56,090,000 $259,676
7-8% 189 $26,255,000 $138,915
Over 8% 108 $10,090,000 $93,426
<2.5% 62 $11,050,000 $178,226

During 2022, Twin Falls's most frequently originated rate bucket was 4-5%, with 1,068 originations.

Loan Sizing (TWIN FALLS, ID MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,635 $464,015,000 $283,801
$100,000 or less 1,021 $47,135,000 $46,166
$100k-200k 986 $145,010,000 $147,069
$400k-600k 346 $164,380,000 $475,087
$600k-1000k 103 $73,705,000 $715,583
$Over $1MM 19 $83,835,000 $4,412,368

TWIN FALLS's loan sizing saw the bucket of loans from $200k-400k with 1,635 originations, totaling $464,015,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,128 $371,530,000 $329,371
60-80% 991 $296,135,000 $298,824
Under 20% 815 $35,835,000 $43,969
40-60% 589 $175,075,000 $297,241
20-40% 535 $66,915,000 $125,075
Over 100% 38 $15,060,000 $396,316

TWIN FALLS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,128 originations, totaling $371,530,000 in origination value.