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, we provide a data driven ranking of mortgage lenders in the Twin Falls, ID area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Twin Falls, ID area is First Federal Savings Bank of Twin Falls, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.09%. This means that First Federal Savings Bank of Twin Falls provided a -0.09% lower interest rate for its customers than other lenders in Twin Falls, ID for a similar set of borrowers. First Federal Savings Bank of Twin Falls has a market share of 17.7%. It is the most popular lender in the area.

Our detailed rankings of the mortgage lenders for 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, 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 (for example, above $510,400 in 2020), 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. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Twin Falls, ID

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings Bank of Twin Falls 1, -0.09% 17.74%
Idaho Central Credit Union 2, -0.07% 15.52%
Bank of Idaho 3, -0.05% 4.41%
Us Bank 4, -0.05% 4.12%
Zions Bancorporation 5, -0.02% 1.09%
Guild Mortgage Company 6, -0.02% 14.81%
Wells Fargo Bank 7, -0.01% 3.03%
D L Evans Bank 8, 0.00% 5.80%
Usaa Federal Savings Bank 9, 0.01% 1.00%
Fairway Independent Mort Corp 10, 0.03% 1.58%
LoanDepot 11, 0.03% 1.22%
Axia Financial 12, 0.05% 6.54%
Caliber Home Loans Inc 13, 0.09% 1.96%
Premier Mortgage Resources 14, 0.11% 8.18%
Quicken Loans 15, 0.14% 8.85%
Movement Mortgage 16, 0.16% 4.15%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.09% 3.57%
Bank of Idaho 2, -0.06% 4.84%
Wells Fargo Bank 3, -0.05% 3.13%
First Federal Savings Bank of Twin Falls 4, -0.05% 13.97%
Idaho Central Credit Union 5, -0.05% 17.44%
Guild Mortgage Company 6, -0.03% 18.71%
Zions Bancorporation 7, -0.02% 0.93%
D L Evans Bank 8, -0.02% 5.08%
Usaa Federal Savings Bank 9, 0.01% 1.07%
LoanDepot 10, 0.01% 0.29%
Quicken Loans 11, 0.02% 3.03%
Fairway Independent Mort Corp 12, 0.03% 2.10%
Axia Financial 13, 0.04% 8.26%
Caliber Home Loans Inc 14, 0.10% 1.86%
Premier Mortgage Resources 15, 0.10% 10.94%
Movement Mortgage 16, 0.20% 4.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Idaho Central Credit Union 1, -0.15% 11.80%
First Federal Savings Bank of Twin Falls 2, -0.14% 25.02%
Bank of Idaho 3, -0.03% 3.59%
Zions Bancorporation 4, -0.02% 1.42%
Fairway Independent Mort Corp 5, 0.01% 0.57%
Us Bank 6, 0.01% 5.19%
Usaa Federal Savings Bank 7, 0.01% 0.85%
Guild Mortgage Company 8, 0.02% 7.27%
D L Evans Bank 9, 0.03% 7.18%
Movement Mortgage 10, 0.04% 2.93%
LoanDepot 11, 0.04% 3.02%
Wells Fargo Bank 12, 0.06% 2.83%
Axia Financial 13, 0.07% 3.21%
Caliber Home Loans Inc 14, 0.08% 2.17%
Premier Mortgage Resources 15, 0.14% 2.83%
Quicken Loans 16, 0.18% 20.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings Bank of Twin Falls 1, -0.09% 22.75%
Idaho Central Credit Union 2, -0.08% 15.59%
Bank of Idaho 3, -0.05% 3.47%
Us Bank 4, -0.05% 4.82%
Zions Bancorporation 5, -0.02% 1.30%
Guild Mortgage Company 6, -0.02% 11.98%
Wells Fargo Bank 7, -0.01% 3.56%
Usaa Federal Savings Bank 8, -0.00% 0.43%
D L Evans Bank 9, 0.01% 6.56%
Fairway Independent Mort Corp 10, 0.03% 1.65%
LoanDepot 11, 0.04% 1.04%
Axia Financial 12, 0.06% 5.38%
Caliber Home Loans Inc 13, 0.11% 2.08%
Premier Mortgage Resources 14, 0.13% 7.47%
Quicken Loans 15, 0.20% 7.90%
Movement Mortgage 16, 0.21% 3.99%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.11% 4.35%
Bank of Idaho 2, -0.06% 3.79%
Wells Fargo Bank 3, -0.06% 3.79%
First Federal Savings Bank of Twin Falls 4, -0.05% 18.32%
Idaho Central Credit Union 5, -0.04% 16.98%
Guild Mortgage Company 6, -0.03% 16.07%
Zions Bancorporation 7, -0.03% 1.12%
Usaa Federal Savings Bank 8, -0.02% 0.42%
D L Evans Bank 9, -0.02% 5.47%
LoanDepot 10, 0.01% 0.35%
Quicken Loans 11, 0.02% 2.81%
Fairway Independent Mort Corp 12, 0.03% 2.32%
Axia Financial 13, 0.05% 7.09%
Caliber Home Loans Inc 14, 0.11% 2.18%
Premier Mortgage Resources 15, 0.12% 10.04%
Movement Mortgage 16, 0.26% 4.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Idaho Central Credit Union 1, -0.16% 13.33%
First Federal Savings Bank of Twin Falls 2, -0.13% 29.95%
Bank of Idaho 3, -0.04% 2.96%
Zions Bancorporation 4, -0.02% 1.59%
Fairway Independent Mort Corp 5, 0.01% 0.57%
Usaa Federal Savings Bank 6, 0.02% 0.46%
Us Bank 7, 0.02% 5.58%
Guild Mortgage Company 8, 0.03% 5.35%
D L Evans Bank 9, 0.04% 8.31%
Movement Mortgage 10, 0.05% 2.51%
LoanDepot 11, 0.06% 2.16%
Wells Fargo Bank 12, 0.07% 3.19%
Caliber Home Loans Inc 13, 0.09% 1.94%
Axia Financial 14, 0.10% 2.62%
Premier Mortgage Resources 15, 0.15% 3.30%
Quicken Loans 16, 0.26% 16.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Idaho Central Credit Union 1, -0.06% 18.86%
D L Evans Bank 2, -0.03% 3.11%
Guild Mortgage Company 3, -0.01% 26.74%
Bank of Idaho 4, -0.01% 5.86%
Us Bank 5, 0.01% 0.55%
Quicken Loans 6, 0.01% 10.07%
First Federal Savings Bank of Twin Falls 7, 0.01% 2.20%
Caliber Home Loans Inc 8, 0.01% 1.28%
Zions Bancorporation 9, 0.02% 0.37%
Axia Financial 10, 0.03% 12.27%
Fairway Independent Mort Corp 11, 0.04% 1.47%
Movement Mortgage 12, 0.05% 4.76%
LoanDepot 13, 0.05% 0.55%
Premier Mortgage Resources 14, 0.08% 11.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Idaho Central Credit Union 1, -0.06% 21.81%
D L Evans Bank 2, -0.04% 3.30%
Bank of Idaho 3, -0.02% 5.29%
Guild Mortgage Company 4, -0.01% 29.07%
Us Bank 5, 0.00% 0.44%
Caliber Home Loans Inc 6, 0.01% 0.88%
First Federal Savings Bank of Twin Falls 7, 0.01% 2.64%
Quicken Loans 8, 0.01% 2.64%
Zions Bancorporation 9, 0.02% 0.44%
Axia Financial 10, 0.03% 13.44%
Fairway Independent Mort Corp 11, 0.05% 1.54%
Movement Mortgage 12, 0.06% 4.41%
Premier Mortgage Resources 13, 0.08% 14.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of Idaho 1, -0.01% 8.70%
Quicken Loans 2, -0.01% 46.74%
Idaho Central Credit Union 3, -0.00% 4.35%
D L Evans Bank 4, -0.00% 2.17%
Movement Mortgage 5, 0.00% 6.52%
Guild Mortgage Company 6, 0.00% 15.22%
Fairway Independent Mort Corp 7, 0.01% 1.09%
Us Bank 8, 0.01% 1.09%
Caliber Home Loans Inc 9, 0.01% 3.26%
Axia Financial 10, 0.02% 6.52%
Premier Mortgage Resources 11, 0.03% 1.09%
LoanDepot 12, 0.04% 3.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 20.45%
Us Bank 2, -0.01% 31.82%
Quicken Loans 3, -0.00% 2.27%
Zions Bancorporation 4, 0.00% 2.27%
Idaho Central Credit Union 5, 0.00% 13.64%
First Federal Savings Bank of Twin Falls 6, 0.01% 11.36%
Axia Financial 7, 0.01% 2.27%
Movement Mortgage 8, 0.01% 4.55%
D L Evans Bank 9, 0.02% 4.55%
Caliber Home Loans Inc 10, 0.05% 6.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 25.93%
Us Bank 2, -0.00% 33.33%
Idaho Central Credit Union 3, 0.01% 18.52%
First Federal Savings Bank of Twin Falls 4, 0.01% 11.11%
Caliber Home Loans Inc 5, 0.02% 3.70%
D L Evans Bank 6, 0.02% 3.70%
Movement Mortgage 7, 0.03% 3.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.02% 29.41%
Wells Fargo Bank 2, -0.01% 11.76%
Quicken Loans 3, -0.01% 5.88%
Zions Bancorporation 4, -0.00% 5.88%
Movement Mortgage 5, -0.00% 5.88%
Idaho Central Credit Union 6, 0.00% 5.88%
Axia Financial 7, 0.00% 5.88%
First Federal Savings Bank of Twin Falls 8, 0.00% 11.76%
D L Evans Bank 9, 0.01% 5.88%
Caliber Home Loans Inc 10, 0.06% 11.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of Idaho 1, -0.08% 11.74%
First Federal Savings Bank of Twin Falls 2, -0.04% 4.69%
Wells Fargo Bank 3, -0.02% 1.41%
Idaho Central Credit Union 4, -0.02% 6.57%
LoanDepot 5, -0.01% 5.16%
Guild Mortgage Company 6, -0.01% 17.84%
D L Evans Bank 7, -0.00% 4.69%
Usaa Federal Savings Bank 8, 0.01% 9.86%
Zions Bancorporation 9, 0.01% 0.47%
Movement Mortgage 10, 0.01% 4.23%
Fairway Independent Mort Corp 11, 0.02% 1.41%
Caliber Home Loans Inc 12, 0.02% 1.41%
Axia Financial 13, 0.03% 5.16%
Quicken Loans 14, 0.03% 17.37%
Premier Mortgage Resources 15, 0.08% 7.98%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of Idaho 1, -0.09% 14.89%
First Federal Savings Bank of Twin Falls 2, -0.04% 7.09%
Wells Fargo Bank 3, -0.01% 2.13%
Idaho Central Credit Union 4, -0.01% 7.80%
Guild Mortgage Company 5, -0.00% 15.60%
D L Evans Bank 6, 0.00% 7.09%
Zions Bancorporation 7, 0.01% 0.71%
Usaa Federal Savings Bank 8, 0.01% 11.35%
LoanDepot 9, 0.01% 0.71%
Fairway Independent Mort Corp 10, 0.02% 2.13%
Movement Mortgage 11, 0.02% 4.96%
Quicken Loans 12, 0.02% 7.09%
Caliber Home Loans Inc 13, 0.03% 1.42%
Axia Financial 14, 0.05% 4.96%
Premier Mortgage Resources 15, 0.09% 12.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of Idaho 1, -0.04% 5.56%
Idaho Central Credit Union 2, -0.04% 4.17%
LoanDepot 3, -0.02% 13.89%
Axia Financial 4, -0.02% 5.56%
Guild Mortgage Company 5, -0.01% 22.22%
Usaa Federal Savings Bank 6, -0.01% 6.94%
Movement Mortgage 7, -0.01% 2.78%
Caliber Home Loans Inc 8, 0.01% 1.39%
Quicken Loans 9, 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 for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Twin Falls, ID area. For mortgage lender rankings of other cities, click here.