Mortgage lending in Twin Falls, ID
3,253 mortgages were originated in the Twin Falls, ID area in 2025, and here is what they cost.
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
- 3,253
- Median rate
- 6.625%
- Median lender fees
- $7,026
- Median loan amount
- $235,000
- Median spread over APOR
- 0.228
- Paid discount points
- 47.5%
- Received lender credits
- 17.3%
- Purchases / refinances
- 53.6% / 26.9%
- Conventional / FHA / VA
- 74.9% / 18.1% / 6.6%
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 65.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Twin Falls, ID area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 597 | $6,073 | 7.000% |
| First Federal Savings Bank of Twin Falls | 439 | $5,350 | 6.750% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 276 | $9,897 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 185 | $8,159 | 5.999% |
| PLANET HOME LENDING, LLC | 162 | $8,696 | 6.500% |
| CORNERSTONE CAPITAL BANK, SSB | 137 | $9,576 | 6.375% |
| Rocket Mortgage, LLC | 135 | $6,379 | 6.625% |
| GUILD MORTGAGE COMPANY | 128 | $10,400 | 6.375% |
| NFM, INC. | 110 | $12,324 | 6.250% |
| MOVEMENT MORTGAGE, LLC | 106 | $7,834 | 6.500% |