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 score and performance metrics.

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 an overall pricing score of 41.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

First Federal Savings Bank of Twin Falls is a Bank headquartered in Twin Falls, ID.

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First Federal Savings Bank of Twin Falls

Bank•Twin Falls, IDHQ•Direct•Reviews near you on Google

First Federal Savings Bank of Twin Falls has 273 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

First Federal Savings Bank of Twin Falls performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 8.5 bps below market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

251 loans · 0.11% below market

Strong

Top 40% of lenders

4/5

FHA

11 loans · 0.55% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

199 loans · 0.10% below market

Strong

Top 40% of lenders

4/5

Refinance

74 loans · 0.05% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Strong	251	91.9%	-0.113%Below	$3,451Fees
FHA Loans	Sound	Sound	—	Sound	11	4.0%	+0.546%Above	$4,190Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume251

Mix91.9%

Spread

-0.113%Below

Fees

$3,451Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume11

Mix4.0%

Spread

+0.546%Above

Fees

$4,190Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	199	72.9%	-0.100%Below	$3,959Fees
Refinance	Strong	Strong	Sound	Strong	74	27.1%	-0.046%Below	$2,423Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume199

Mix72.9%

Spread

-0.100%Below

Fees

$3,959Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume74

Mix27.1%

Spread

-0.046%Below

Fees

$2,423Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

273

Applications

473

Volume

$86 million

Pricing & Closing

Avg Rate Spread

-0.085%

vs. market APOR

Avg Net Fees

$3,537

Origination − Credits

Pullthrough Rate

57.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$316,648

Avg Borrower Income

$121,011

Avg Property Value

$468,700

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 200200+None

Midwest1

West5

AZCOIDNVWA

Top Metro Areas by Place Specialization Score

Twin Falls, IDMetro

Volume 171Mix 62.64% of portfolio

100/100

Exceptional

Boise City, IDMetro

Volume 30Mix 10.99% of portfolio

57/100

Sound

Top States by Place Specialization Score

IdahoState

Volume 267Mix 97.80% of portfolio

79/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.