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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Twin Falls
Updated February 5, 2026
Market Overview
18
Total Lenders
1,333
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | IDAHO CENTRAL CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,203 | +0.145% | 228 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,867 | +0.038% | 32 | |
3 | First Federal Savings Bank of Twin Falls | Strong | Sound | Strong | Strong | Exceptional | $3,661 | -0.089% | 171 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,975 | -0.088% | 142 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,606 | +0.265% | 80 | |
6 | PIONEER FEDERAL CREDIT UNION | Strong | Sound | Sound | Exceptional | Strong | $2,832 | +0.199% | 21 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,401 | +0.401% | 93 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,058 | +0.324% | 48 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Acceptable | $5,225 | +0.390% | 10 | |
10 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,836 | +0.274% | 155 | |
11 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,933 | +0.438% | 117 | |
12 | Mountain America Federal Credit Union | Strong | Sound | Strong | Sound | Sound | $3,008 | -0.244% | 13 | |
13 | CORNERSTONE CAPITAL BANK, SSB | Strong | Mediocre | Exceptional | Strong | Strong | $4,556 | +0.533% | 90 | |
14 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $4,998 | +0.286% | 27 | |
15 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,717 | +0.519% | 65 | |
16 | D. L. EVANS BANK | Sound | Acceptable | Sound | Sound | Sound | $3,223 | +0.330% | 12 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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Twin Falls, IDConventional
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