First Federal Savings Bank of Twin Falls
First Federal Savings Bank of Twin Falls received 1,259 applications in 2025 and made 739 mortgages, in 37 counties across 8 states. The median rate its borrowers got was 6.920% on a median loan of $205,000. Of 926 decisions, 179 were denials — 19.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900SUM1U8US3D2Z03 |
|---|---|
| Applications received | 1,259 |
| Mortgages made | 739 |
| Denied | 179 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 333 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.191 points |
| FDIC-insured bank | Yes: First Federal Savings Bank of Twin Falls, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 338 | 6.375% | $325,000 | 7.1% |
| Refinancing | 118 | 7.372% | $115,000 | 34.3% |
| Cash-out refinancing | 57 | 6.625% | $205,000 | 4.9% |
| Other purposes | 226 | 7.554% | $55,000 | 27.9% |
Where First Federal Savings Bank of Twin Falls lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Twin Falls County, ID | 375 | 6.750% | 13.8% |
| Minidoka County, ID | 83 | 7.250% | 24.1% |
| Jerome County, ID | 64 | 7.000% | 24.4% |
| Ada County, ID | 57 | 6.875% | 24.0% |
| Cassia County, ID | 56 | 7.250% | 28.2% |
| Gooding County, ID | 30 | 7.688% | 23.1% |
| Canyon County, ID | 24 | 7.550% | 29.4% |
| Valley County, ID | 7 | Under 10 loans | 0.0% |
| Blaine County, ID | 6 | Under 10 loans | 14.3% |
| Lincoln County, ID | 6 | Under 10 loans | 50.0% |
| Boise County, ID | 4 | Under 10 loans | 0.0% |
| Elmore County, ID | 4 | Under 10 loans | 0.0% |
| Camas County, ID | 3 | Under 10 loans | 0.0% |
| Payette County, ID | 3 | Under 10 loans | 0.0% |
| Bonneville County, ID | 2 | Under 10 loans | 0.0% |
| Gem County, ID | 2 | Under 10 loans | 50.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Bannock County, ID | 1 | Under 10 loans | 0.0% |
| Bear Lake County, ID | 1 | Under 10 loans | 0.0% |
| Franklin County, ID | 1 | Under 10 loans | 0.0% |
| Lemhi County, ID | 1 | Under 10 loans | 0.0% |
| Madison County, ID | 1 | Under 10 loans | 0.0% |
| Nez Perce County, ID | 1 | Under 10 loans | 0.0% |
| Washington County, ID | 1 | Under 10 loans | 50.0% |
| Cascade County, MT | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Columbia County, OR | 1 | Under 10 loans | 0.0% |
| Whatcom County, WA | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 0 | Under 10 loans | 100.0% |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
| Ventura County, CA | 0 | Under 10 loans | Not published |
| Adams County, ID | 0 | Under 10 loans | Not published |
| Jefferson County, ID | 0 | Under 10 loans | Not published |
| Kootenai County, ID | 0 | Under 10 loans | Not published |
| Owyhee County, ID | 0 | Under 10 loans | Not published |
| Teton County, ID | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.