Mortgage lending in Twin Falls County
2,642 mortgages were originated in Twin Falls County, Idaho, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,642
- Median rate
- 6.625%
- Median lender fees
- $7,011
- Median loan amount
- $235,000
- Median spread over APOR
- 0.191
- Paid discount points
- 47.4%
- Received lender credits
- 17.3%
- Purchases / refinances
- 53% / 27.3%
- Conventional / FHA / VA
- 75.4% / 17.2% / 7.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Twin Falls County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 504 | $6,160 | 7.000% |
| First Federal Savings Bank of Twin Falls | 375 | $5,432 | 6.750% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 195 | $9,706 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 156 | $8,190 | 5.999% |
| PLANET HOME LENDING, LLC | 122 | — | 6.500% |
| Rocket Mortgage, LLC | 109 | $6,521 | 6.625% |
| CORNERSTONE CAPITAL BANK, SSB | 106 | $9,852 | 6.375% |
| GUILD MORTGAGE COMPANY | 99 | $10,240 | 6.375% |
| NFM, INC. | 95 | $12,435 | 6.250% |
| MOVEMENT MORTGAGE, LLC | 83 | $7,834 | 6.500% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Twin Falls County — not a rule of thumb.
From 1,737 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers