First Federal Savings Bank of Twin Falls: 2025 mortgage rates, costs & approvals
How First Federal Savings Bank of Twin Falls priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: First Federal Savings Bank of Twin Falls · LEI 254900SUM1U8US3D2Z03
In 2025, First Federal Savings Bank of Twin Falls originated 337 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 924th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 26 basis points below the national median. Median conventional loan costs were $6,650, 19% higher than the national median ($5,570).
It denied 4.0% of completed home-purchase applications (all lenders: 8.5%).
How First Federal Savings Bank of Twin Falls priced home-purchase loans
| Purchase loans, 2025 | First Federal Savings Bank of Twin Falls | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | −0.13 pts | +0.13 pts |
| Total loan costs · conventional | $6,650 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $3,880 | $1,860 |
| Borrowers paying discount points | 95.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 9.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where First Federal Savings Bank of Twin Falls lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Idaho | 332 | 375 | 4.1% | 6.375% | $6,620 |
| Arizona | 2 | 2 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| Oregon | 1 | 1 | — | — | — |
| Washington | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First Federal Savings Bank of Twin Falls's page for that state.
Counties where First Federal Savings Bank of Twin Falls is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Twin Falls County, ID | 2 | 191 | 12.9% |
| Minidoka County, ID | 3 | 31 | 9.8% |
| Jerome County, ID | 3 | 29 | 8.6% |
| Cassia County, ID | 4 | 21 | 7.2% |
| Gooding County, ID | 7 | 9 | 5.9% |
| Lincoln County, ID | 5 | 3 | 5.2% |
| Camas County, ID | 7 | 1 | 3.9% |
| Boise County, ID | 14 | 3 | 1.7% |
| Valley County, ID | 9 | 3 | 1.6% |
| Lemhi County, ID | 13 | 1 | 1.2% |
| Blaine County, ID | 19 | 2 | 0.8% |
| Washington County, ID | 22 | 1 | 0.8% |
Check First Federal Savings Bank of Twin Falls yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900SUM1U8US3D2Z03.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First Federal Savings Bank of Twin Falls with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology