# First Federal Savings Bank of Twin Falls

> **Canonical URL:** https://saferate.com/lenders/first-federal-savings-bank-of-twin-falls


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Federal Savings Bank of Twin Falls is a bank, headquartered in Twin Falls, ID, serving borrowers across 6 states, with 273 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900SUM1U8US3D2Z03
- **Headquarters:** Twin Falls, ID
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, CO, ID, MI, NV, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.085%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,537
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 273
- **Dollar Volume:** $86 million
- **Applications Received:** 473
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $316,648
- **Average Borrower Income:** $121,011
- **Average Property Value:** $468,700

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 251 | -0.113% | $3,451 | Strong 😀 |
| FHA | 50/100 | 11 | +0.546% | $4,190 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 177 loans, Score: 65/100 (Strong)
- Refinance: 74 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 199 | $70M | -0.100% | Strong 😀 |
| Refinance | 68/100 | 74 | $16M | -0.046% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ID | 267 | 1.00% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Twin Falls, ID | ID | 171 | 100/100 |
| Non |  | 66 | 50/100 |
| Boise City, ID | ID | 30 | 57/100 |

## Where This Lender Ranks

First Federal Savings Bank of Twin Falls appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Twin Falls, ID for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Twin Falls, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Twin Falls, ID
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders)
- 🥉 **#3** in Twin Falls, ID for Conventional Loans
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Idaho Banks
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks)
- 🏆 **#6** in Idaho for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Boise City, ID Banks
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks)
- 🏆 **#6** in Boise City, ID for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Idaho for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/va-loans)
- 🏆 **#10** in Idaho for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#10** in Twin Falls, ID for FHA Loans
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Idaho
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders)
- 🏆 **#14** in Idaho for Conventional Loans
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does First Federal Savings Bank of Twin Falls offer?

First Federal Savings Bank of Twin Falls offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Federal Savings Bank of Twin Falls offer mortgages?

First Federal Savings Bank of Twin Falls offers mortgages in 6 states: AZ, CO, ID, MI, NV, WA.

### How competitive are First Federal Savings Bank of Twin Falls's mortgage rates?

First Federal Savings Bank of Twin Falls has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.085% below market average.

### What type of lender is First Federal Savings Bank of Twin Falls?

First Federal Savings Bank of Twin Falls is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Twin Falls, ID.

### What is First Federal Savings Bank of Twin Falls's loan approval success rate?

First Federal Savings Bank of Twin Falls has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-federal-savings-bank-of-twin-falls

### How to Cite

> "First Federal Savings Bank of Twin Falls Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-federal-savings-bank-of-twin-falls

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