Which mortgage lender in the Twin Falls, ID area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Twin Falls, ID area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Twin Falls, ID area in terms of interest rate is First Federal Savings Bank of Twin Falls, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, First Federal Savings Bank of Twin Falls provided a -0.09% lower interest rate for its customers than other lenders in the area. First Federal Savings Bank of Twin Falls has a market share of 17.8%. It is the most popular lender in the Twin Falls, ID area.
Our detailed ranking of mortgage lenders in the Twin Falls, ID area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Twin Falls, ID is First Federal Savings Bank of Twin Falls. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Idaho Central Credit Union. The cheapest VA mortgage provider is Bank of Idaho. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Twin Falls, ID
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Federal Savings Bank of Twin Falls | -0.09% | 17.78% | |
| Idaho Central Credit Union | -0.07% | 15.55% | |
| Bank of Idaho | -0.05% | 4.42% | |
| US Bank | -0.05% | 4.10% | |
| Zions Bank | -0.02% | 1.10% | |
| Guild Mortgage Company | -0.02% | 14.84% | |
| Wells Fargo Bank | -0.01% | 3.03% | |
| D. L. Evans Bank | 0.00% | 5.81% | |
| USAA | 0.01% | 1.00% | |
| Fairway Independent Mortgage Corporation | 0.03% | 1.58% | |
| loanDepot | 0.04% | 1.16% | |
| Axia Home Loans | 0.05% | 6.55% | |
| Caliber Home Loans | 0.09% | 1.97% | |
| Premier Mortgage Resources | 0.11% | 8.20% | |
| Quicken Loans | 0.14% | 8.74% | |
| Movement Mortgage | 0.16% | 4.16% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.09% | 3.52% | |
| Bank of Idaho | -0.06% | 4.84% | |
| Wells Fargo Bank | -0.05% | 3.13% | |
| First Federal Savings Bank of Twin Falls | -0.05% | 13.99% | |
| Idaho Central Credit Union | -0.05% | 17.47% | |
| Guild Mortgage Company | -0.03% | 18.74% | |
| Zions Bank | -0.02% | 0.93% | |
| D. L. Evans Bank | -0.02% | 5.09% | |
| USAA | 0.01% | 1.08% | |
| loanDepot | 0.01% | 0.29% | |
| Quicken Loans | 0.02% | 2.94% | |
| Fairway Independent Mortgage Corporation | 0.03% | 2.10% | |
| Axia Home Loans | 0.04% | 8.27% | |
| Caliber Home Loans | 0.10% | 1.86% | |
| Premier Mortgage Resources | 0.10% | 10.96% | |
| Movement Mortgage | 0.20% | 4.79% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Idaho Central Credit Union | -0.15% | 11.85% | |
| First Federal Savings Bank of Twin Falls | -0.13% | 25.12% | |
| Bank of Idaho | -0.03% | 3.60% | |
| Zions Bank | -0.02% | 1.42% | |
| Fairway Independent Mortgage Corporation | 0.01% | 0.57% | |
| US Bank | 0.01% | 5.21% | |
| USAA | 0.01% | 0.85% | |
| Guild Mortgage Company | 0.02% | 7.30% | |
| D. L. Evans Bank | 0.03% | 7.20% | |
| Movement Mortgage | 0.04% | 2.94% | |
| loanDepot | 0.05% | 2.84% | |
| Wells Fargo Bank | 0.06% | 2.84% | |
| Axia Home Loans | 0.07% | 3.22% | |
| Caliber Home Loans | 0.08% | 2.18% | |
| Premier Mortgage Resources | 0.14% | 2.84% | |
| Quicken Loans | 0.18% | 20.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Federal Savings Bank of Twin Falls | -0.09% | 22.80% | |
| Idaho Central Credit Union | -0.08% | 15.62% | |
| Bank of Idaho | -0.05% | 3.48% | |
| US Bank | -0.05% | 4.83% | |
| Zions Bank | -0.02% | 1.31% | |
| Guild Mortgage Company | -0.02% | 12.01% | |
| Wells Fargo Bank | -0.01% | 3.57% | |
| USAA | -0.00% | 0.44% | |
| D. L. Evans Bank | 0.01% | 6.57% | |
| Fairway Independent Mortgage Corporation | 0.03% | 1.65% | |
| loanDepot | 0.06% | 0.96% | |
| Axia Home Loans | 0.06% | 5.40% | |
| Caliber Home Loans | 0.11% | 2.09% | |
| Premier Mortgage Resources | 0.13% | 7.48% | |
| Quicken Loans | 0.20% | 7.79% | |
| Movement Mortgage | 0.21% | 4.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.11% | 4.35% | |
| Bank of Idaho | -0.06% | 3.79% | |
| Wells Fargo Bank | -0.06% | 3.79% | |
| First Federal Savings Bank of Twin Falls | -0.05% | 18.33% | |
| Idaho Central Credit Union | -0.04% | 16.99% | |
| Guild Mortgage Company | -0.03% | 16.08% | |
| Zions Bank | -0.03% | 1.12% | |
| USAA | -0.02% | 0.42% | |
| D. L. Evans Bank | -0.02% | 5.48% | |
| loanDepot | 0.01% | 0.35% | |
| Quicken Loans | 0.02% | 2.74% | |
| Fairway Independent Mortgage Corporation | 0.03% | 2.32% | |
| Axia Home Loans | 0.05% | 7.09% | |
| Caliber Home Loans | 0.11% | 2.18% | |
| Premier Mortgage Resources | 0.12% | 10.04% | |
| Movement Mortgage | 0.26% | 4.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Idaho Central Credit Union | -0.16% | 13.39% | |
| First Federal Savings Bank of Twin Falls | -0.13% | 30.09% | |
| Bank of Idaho | -0.04% | 2.97% | |
| Zions Bank | -0.02% | 1.60% | |
| Fairway Independent Mortgage Corporation | 0.01% | 0.57% | |
| USAA | 0.01% | 0.46% | |
| US Bank | 0.02% | 5.61% | |
| Guild Mortgage Company | 0.03% | 5.38% | |
| D. L. Evans Bank | 0.04% | 8.35% | |
| Movement Mortgage | 0.05% | 2.52% | |
| Wells Fargo Bank | 0.07% | 3.20% | |
| loanDepot | 0.08% | 1.95% | |
| Caliber Home Loans | 0.09% | 1.95% | |
| Axia Home Loans | 0.10% | 2.63% | |
| Premier Mortgage Resources | 0.15% | 3.32% | |
| Quicken Loans | 0.26% | 16.02% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Idaho Central Credit Union | -0.06% | 18.86% | |
| D. L. Evans Bank | -0.03% | 3.11% | |
| Guild Mortgage Company | -0.01% | 26.74% | |
| Bank of Idaho | -0.01% | 5.86% | |
| US Bank | 0.01% | 0.55% | |
| Quicken Loans | 0.01% | 10.07% | |
| First Federal Savings Bank of Twin Falls | 0.01% | 2.20% | |
| Caliber Home Loans | 0.01% | 1.28% | |
| Zions Bank | 0.02% | 0.37% | |
| Axia Home Loans | 0.03% | 12.27% | |
| Fairway Independent Mortgage Corporation | 0.04% | 1.47% | |
| Movement Mortgage | 0.05% | 4.76% | |
| loanDepot | 0.05% | 0.55% | |
| Premier Mortgage Resources | 0.08% | 11.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Idaho Central Credit Union | -0.06% | 21.81% | |
| D. L. Evans Bank | -0.04% | 3.30% | |
| Bank of Idaho | -0.02% | 5.29% | |
| Guild Mortgage Company | -0.01% | 29.07% | |
| US Bank | 0.00% | 0.44% | |
| Caliber Home Loans | 0.01% | 0.88% | |
| First Federal Savings Bank of Twin Falls | 0.01% | 2.64% | |
| Quicken Loans | 0.01% | 2.64% | |
| Zions Bank | 0.02% | 0.44% | |
| Axia Home Loans | 0.03% | 13.44% | |
| Fairway Independent Mortgage Corporation | 0.05% | 1.54% | |
| Movement Mortgage | 0.06% | 4.41% | |
| Premier Mortgage Resources | 0.08% | 14.10% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Idaho | -0.01% | 8.70% | |
| Quicken Loans | -0.01% | 46.74% | |
| Idaho Central Credit Union | -0.00% | 4.35% | |
| D. L. Evans Bank | -0.00% | 2.17% | |
| Movement Mortgage | 0.00% | 6.52% | |
| Guild Mortgage Company | 0.00% | 15.22% | |
| Fairway Independent Mortgage Corporation | 0.01% | 1.09% | |
| US Bank | 0.01% | 1.09% | |
| Caliber Home Loans | 0.01% | 3.26% | |
| Axia Home Loans | 0.02% | 6.52% | |
| Premier Mortgage Resources | 0.03% | 1.09% | |
| loanDepot | 0.04% | 3.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 20.93% | |
| US Bank | -0.01% | 30.23% | |
| Quicken Loans | -0.00% | 2.33% | |
| Zions Bank | -0.00% | 2.33% | |
| Idaho Central Credit Union | 0.01% | 13.95% | |
| First Federal Savings Bank of Twin Falls | 0.01% | 11.63% | |
| Axia Home Loans | 0.01% | 2.33% | |
| Movement Mortgage | 0.01% | 4.65% | |
| D. L. Evans Bank | 0.02% | 4.65% | |
| Caliber Home Loans | 0.05% | 6.98% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 26.92% | |
| US Bank | 0.00% | 30.77% | |
| Idaho Central Credit Union | 0.01% | 19.23% | |
| First Federal Savings Bank of Twin Falls | 0.01% | 11.54% | |
| Caliber Home Loans | 0.02% | 3.85% | |
| D. L. Evans Bank | 0.02% | 3.85% | |
| Movement Mortgage | 0.03% | 3.85% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.02% | 29.41% | |
| Wells Fargo Bank | -0.01% | 11.76% | |
| Quicken Loans | -0.01% | 5.88% | |
| Zions Bank | -0.00% | 5.88% | |
| Movement Mortgage | -0.00% | 5.88% | |
| Idaho Central Credit Union | 0.00% | 5.88% | |
| Axia Home Loans | 0.00% | 5.88% | |
| First Federal Savings Bank of Twin Falls | 0.00% | 11.76% | |
| D. L. Evans Bank | 0.01% | 5.88% | |
| Caliber Home Loans | 0.06% | 11.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Idaho | -0.08% | 11.79% | |
| First Federal Savings Bank of Twin Falls | -0.04% | 4.72% | |
| Wells Fargo Bank | -0.02% | 1.42% | |
| Idaho Central Credit Union | -0.02% | 6.60% | |
| loanDepot | -0.01% | 5.19% | |
| Guild Mortgage Company | -0.01% | 17.92% | |
| D. L. Evans Bank | -0.00% | 4.72% | |
| USAA | 0.01% | 9.91% | |
| Zions Bank | 0.01% | 0.47% | |
| Movement Mortgage | 0.01% | 4.25% | |
| Fairway Independent Mortgage Corporation | 0.02% | 1.42% | |
| Caliber Home Loans | 0.02% | 1.42% | |
| Axia Home Loans | 0.03% | 5.19% | |
| Quicken Loans | 0.03% | 16.98% | |
| Premier Mortgage Resources | 0.08% | 8.02% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Idaho | -0.09% | 15.00% | |
| First Federal Savings Bank of Twin Falls | -0.04% | 7.14% | |
| Wells Fargo Bank | -0.02% | 2.14% | |
| Idaho Central Credit Union | -0.01% | 7.86% | |
| Guild Mortgage Company | -0.00% | 15.71% | |
| D. L. Evans Bank | 0.00% | 7.14% | |
| Zions Bank | 0.01% | 0.71% | |
| USAA | 0.01% | 11.43% | |
| loanDepot | 0.01% | 0.71% | |
| Fairway Independent Mortgage Corporation | 0.02% | 2.14% | |
| Movement Mortgage | 0.02% | 5.00% | |
| Quicken Loans | 0.03% | 6.43% | |
| Caliber Home Loans | 0.03% | 1.43% | |
| Axia Home Loans | 0.05% | 5.00% | |
| Premier Mortgage Resources | 0.09% | 12.14% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Idaho | -0.04% | 5.56% | |
| Idaho Central Credit Union | -0.04% | 4.17% | |
| loanDepot | -0.02% | 13.89% | |
| Axia Home Loans | -0.02% | 5.56% | |
| Guild Mortgage Company | -0.01% | 22.22% | |
| USAA | -0.01% | 6.94% | |
| Movement Mortgage | -0.01% | 2.78% | |
| Caliber Home Loans | 0.01% | 1.39% | |
| Quicken Loans | 0.03% | 37.50% |
* Data is compiled for the Twin Falls, ID commuting zone area, which comprises of counties of Blaine County, ID, Camas County, ID, Gooding County, ID, Jerome County, ID, Lincoln County, ID, and Twin Falls County, ID. This includes cities/towns/communities of Twin Falls, ID as well as Jerome, ID, Hailey, ID, Kimberly, ID, Buhl, ID, Filer, ID, Sun Valley, ID, Bellevue, ID, Ketchum, ID, Gooding, ID, Hagerman, ID, Richfield, ID, Hollister, ID, Hazelton, ID, Fairfield, ID, and Murtaugh, ID. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Twin Falls, ID area. For mortgage lender rankings in other cities, click here.