Top Mortgage Lenders in Twin Falls, ID

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

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
First Federal Savings Bank of Twin Falls-0.09%(4.0)17.78%
Idaho Central Credit Union-0.07%(4.0)15.55%
Bank of Idaho-0.05%(3.5)4.42%
US Bank-0.05%(3.5)4.10%
Zions Bank-0.02%(3.5)1.10%
Guild Mortgage Company-0.02%(3.5)14.84%
Wells Fargo Bank-0.01%(3.5)3.03%
D. L. Evans Bank0.00%(3.5)5.81%
USAA0.01%(3.5)1.00%
Fairway Independent Mortgage Corporation0.03%(3.5)1.58%
loanDepot0.04%(3.5)1.16%
Axia Home Loans0.05%(3.0)6.55%
Caliber Home Loans0.09%(3.0)1.97%
Premier Mortgage Resources0.11%(3.0)8.20%
Quicken Loans0.14%(3.0)8.74%
Movement Mortgage0.16%(2.5)4.16%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.09%(4.0)3.52%
Bank of Idaho-0.06%(4.0)4.84%
Wells Fargo Bank-0.05%(3.5)3.13%
First Federal Savings Bank of Twin Falls-0.05%(3.5)13.99%
Idaho Central Credit Union-0.05%(3.5)17.47%
Guild Mortgage Company-0.03%(3.5)18.74%
Zions Bank-0.02%(3.5)0.93%
D. L. Evans Bank-0.02%(3.5)5.09%
USAA0.01%(3.5)1.08%
loanDepot0.01%(3.5)0.29%
Quicken Loans0.02%(3.5)2.94%
Fairway Independent Mortgage Corporation0.03%(3.5)2.10%
Axia Home Loans0.04%(3.5)8.27%
Caliber Home Loans0.10%(3.0)1.86%
Premier Mortgage Resources0.10%(3.0)10.96%
Movement Mortgage0.20%(2.5)4.79%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.15%(4.5)11.85%
First Federal Savings Bank of Twin Falls-0.13%(4.0)25.12%
Bank of Idaho-0.03%(3.5)3.60%
Zions Bank-0.02%(3.5)1.42%
Fairway Independent Mortgage Corporation0.01%(3.5)0.57%
US Bank0.01%(3.5)5.21%
USAA0.01%(3.5)0.85%
Guild Mortgage Company0.02%(3.5)7.30%
D. L. Evans Bank0.03%(3.5)7.20%
Movement Mortgage0.04%(3.5)2.94%
loanDepot0.05%(3.0)2.84%
Wells Fargo Bank0.06%(3.0)2.84%
Axia Home Loans0.07%(3.0)3.22%
Caliber Home Loans0.08%(3.0)2.18%
Premier Mortgage Resources0.14%(3.0)2.84%
Quicken Loans0.18%(2.5)20.00%
Lender NameRate DifferenceRate RatingMarket Share
First Federal Savings Bank of Twin Falls-0.09%(4.0)22.80%
Idaho Central Credit Union-0.08%(4.0)15.62%
Bank of Idaho-0.05%(4.0)3.48%
US Bank-0.05%(4.0)4.83%
Zions Bank-0.02%(3.5)1.31%
Guild Mortgage Company-0.02%(3.5)12.01%
Wells Fargo Bank-0.01%(3.5)3.57%
USAA-0.00%(3.5)0.44%
D. L. Evans Bank0.01%(3.5)6.57%
Fairway Independent Mortgage Corporation0.03%(3.5)1.65%
loanDepot0.06%(3.0)0.96%
Axia Home Loans0.06%(3.0)5.40%
Caliber Home Loans0.11%(3.0)2.09%
Premier Mortgage Resources0.13%(3.0)7.48%
Quicken Loans0.20%(2.5)7.79%
Movement Mortgage0.21%(2.5)4.00%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.11%(4.0)4.35%
Bank of Idaho-0.06%(4.0)3.79%
Wells Fargo Bank-0.06%(4.0)3.79%
First Federal Savings Bank of Twin Falls-0.05%(4.0)18.33%
Idaho Central Credit Union-0.04%(3.5)16.99%
Guild Mortgage Company-0.03%(3.5)16.08%
Zions Bank-0.03%(3.5)1.12%
USAA-0.02%(3.5)0.42%
D. L. Evans Bank-0.02%(3.5)5.48%
loanDepot0.01%(3.5)0.35%
Quicken Loans0.02%(3.5)2.74%
Fairway Independent Mortgage Corporation0.03%(3.5)2.32%
Axia Home Loans0.05%(3.0)7.09%
Caliber Home Loans0.11%(3.0)2.18%
Premier Mortgage Resources0.12%(3.0)10.04%
Movement Mortgage0.26%(2.0)4.92%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.16%(4.5)13.39%
First Federal Savings Bank of Twin Falls-0.13%(4.0)30.09%
Bank of Idaho-0.04%(3.5)2.97%
Zions Bank-0.02%(3.5)1.60%
Fairway Independent Mortgage Corporation0.01%(3.5)0.57%
USAA0.01%(3.5)0.46%
US Bank0.02%(3.5)5.61%
Guild Mortgage Company0.03%(3.5)5.38%
D. L. Evans Bank0.04%(3.5)8.35%
Movement Mortgage0.05%(3.5)2.52%
Wells Fargo Bank0.07%(3.0)3.20%
loanDepot0.08%(3.0)1.95%
Caliber Home Loans0.09%(3.0)1.95%
Axia Home Loans0.10%(3.0)2.63%
Premier Mortgage Resources0.15%(2.5)3.32%
Quicken Loans0.26%(2.0)16.02%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.06%(4.0)18.86%
D. L. Evans Bank-0.03%(3.5)3.11%
Guild Mortgage Company-0.01%(3.5)26.74%
Bank of Idaho-0.01%(3.5)5.86%
US Bank0.01%(3.5)0.55%
Quicken Loans0.01%(3.5)10.07%
First Federal Savings Bank of Twin Falls0.01%(3.5)2.20%
Caliber Home Loans0.01%(3.5)1.28%
Zions Bank0.02%(3.5)0.37%
Axia Home Loans0.03%(3.5)12.27%
Fairway Independent Mortgage Corporation0.04%(3.5)1.47%
Movement Mortgage0.05%(3.5)4.76%
loanDepot0.05%(3.5)0.55%
Premier Mortgage Resources0.08%(3.0)11.90%
Lender NameRate DifferenceRate RatingMarket Share
Idaho Central Credit Union-0.06%(4.0)21.81%
D. L. Evans Bank-0.04%(3.5)3.30%
Bank of Idaho-0.02%(3.5)5.29%
Guild Mortgage Company-0.01%(3.5)29.07%
US Bank0.00%(3.5)0.44%
Caliber Home Loans0.01%(3.5)0.88%
First Federal Savings Bank of Twin Falls0.01%(3.5)2.64%
Quicken Loans0.01%(3.5)2.64%
Zions Bank0.02%(3.5)0.44%
Axia Home Loans0.03%(3.5)13.44%
Fairway Independent Mortgage Corporation0.05%(3.5)1.54%
Movement Mortgage0.06%(3.0)4.41%
Premier Mortgage Resources0.08%(3.0)14.10%
Lender NameRate DifferenceRate RatingMarket Share
Bank of Idaho-0.01%(3.5)8.70%
Quicken Loans-0.01%(3.5)46.74%
Idaho Central Credit Union-0.00%(3.5)4.35%
D. L. Evans Bank-0.00%(3.5)2.17%
Movement Mortgage0.00%(3.5)6.52%
Guild Mortgage Company0.00%(3.5)15.22%
Fairway Independent Mortgage Corporation0.01%(3.5)1.09%
US Bank0.01%(3.5)1.09%
Caliber Home Loans0.01%(3.5)3.26%
Axia Home Loans0.02%(3.5)6.52%
Premier Mortgage Resources0.03%(3.5)1.09%
loanDepot0.04%(3.5)3.26%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)20.93%
US Bank-0.01%(3.5)30.23%
Quicken Loans-0.00%(3.5)2.33%
Zions Bank-0.00%(3.5)2.33%
Idaho Central Credit Union0.01%(3.5)13.95%
First Federal Savings Bank of Twin Falls0.01%(3.5)11.63%
Axia Home Loans0.01%(3.5)2.33%
Movement Mortgage0.01%(3.5)4.65%
D. L. Evans Bank0.02%(3.5)4.65%
Caliber Home Loans0.05%(3.5)6.98%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)26.92%
US Bank0.00%(3.5)30.77%
Idaho Central Credit Union0.01%(3.5)19.23%
First Federal Savings Bank of Twin Falls0.01%(3.5)11.54%
Caliber Home Loans0.02%(3.5)3.85%
D. L. Evans Bank0.02%(3.5)3.85%
Movement Mortgage0.03%(3.5)3.85%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.02%(3.5)29.41%
Wells Fargo Bank-0.01%(3.5)11.76%
Quicken Loans-0.01%(3.5)5.88%
Zions Bank-0.00%(3.5)5.88%
Movement Mortgage-0.00%(3.5)5.88%
Idaho Central Credit Union0.00%(3.5)5.88%
Axia Home Loans0.00%(3.5)5.88%
First Federal Savings Bank of Twin Falls0.00%(3.5)11.76%
D. L. Evans Bank0.01%(3.5)5.88%
Caliber Home Loans0.06%(3.0)11.76%
Lender NameRate DifferenceRate RatingMarket Share
Bank of Idaho-0.08%(4.0)11.79%
First Federal Savings Bank of Twin Falls-0.04%(3.5)4.72%
Wells Fargo Bank-0.02%(3.5)1.42%
Idaho Central Credit Union-0.02%(3.5)6.60%
loanDepot-0.01%(3.5)5.19%
Guild Mortgage Company-0.01%(3.5)17.92%
D. L. Evans Bank-0.00%(3.5)4.72%
USAA0.01%(3.5)9.91%
Zions Bank0.01%(3.5)0.47%
Movement Mortgage0.01%(3.5)4.25%
Fairway Independent Mortgage Corporation0.02%(3.5)1.42%
Caliber Home Loans0.02%(3.5)1.42%
Axia Home Loans0.03%(3.5)5.19%
Quicken Loans0.03%(3.5)16.98%
Premier Mortgage Resources0.08%(3.0)8.02%
Lender NameRate DifferenceRate RatingMarket Share
Bank of Idaho-0.09%(4.0)15.00%
First Federal Savings Bank of Twin Falls-0.04%(3.5)7.14%
Wells Fargo Bank-0.02%(3.5)2.14%
Idaho Central Credit Union-0.01%(3.5)7.86%
Guild Mortgage Company-0.00%(3.5)15.71%
D. L. Evans Bank0.00%(3.5)7.14%
Zions Bank0.01%(3.5)0.71%
USAA0.01%(3.5)11.43%
loanDepot0.01%(3.5)0.71%
Fairway Independent Mortgage Corporation0.02%(3.5)2.14%
Movement Mortgage0.02%(3.5)5.00%
Quicken Loans0.03%(3.5)6.43%
Caliber Home Loans0.03%(3.5)1.43%
Axia Home Loans0.05%(3.5)5.00%
Premier Mortgage Resources0.09%(3.0)12.14%
Lender NameRate DifferenceRate RatingMarket Share
Bank of Idaho-0.04%(3.5)5.56%
Idaho Central Credit Union-0.04%(3.5)4.17%
loanDepot-0.02%(3.5)13.89%
Axia Home Loans-0.02%(3.5)5.56%
Guild Mortgage Company-0.01%(3.5)22.22%
USAA-0.01%(3.5)6.94%
Movement Mortgage-0.01%(3.5)2.78%
Caliber Home Loans0.01%(3.5)1.39%
Quicken Loans0.03%(3.5)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

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