Purchase Originations
266
Median Total Costs
$6,872
+2.9% vs national ($6,680)
↓ $324 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,848
Median Lender Credits
$231
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 241 | 6.375% | $6,650 | $3,800 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Idaho | 261 | 6.375% | $6,844 | #23 |
| Arizona | 2 | 6.062% | $7,865 | — |
| Montana | 1 | 6.750% | $5,106 | — |
| Oregon | 1 | 5.500% | $6,746 | — |
| Washington | 1 | 6.375% | $12,760 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,964 | 6.125% | — | 1 | −$3,908 | |
| 2 | $3,413 | 6.375% | — | 1 | −$3,459 | |
| 3 | $4,357 | 7.625% | — | 1 | −$2,515 | |
| 4 | $4,797 | 6.375% | — | 1 | −$2,075 | |
| 5 | $5,355 | 6.125% | — | 3 | −$1,517 | |
| 6 | $5,462 | 6.000% | — | 6 | −$1,410 | |
| 7 | $5,526 | 6.375% | — | 1 | −$1,346 | |
| 8 | $6,353 | 6.188% | — | 22 | −$519 | |
| 9 | $6,487 | 6.312% | — | 14 | −$385 | |
| 10 | $6,504 | 6.562% | — | 8 | −$368 | |
| 11 | $6,632 | 6.188% | — | 2 | −$240 | |
| 12 | $6,752 | 6.250% | — | 151 | −$120 | |
| 13 | $7,343 | 6.375% | — | 23 | +$471 | |
| 14 | $7,704 | 5.875% | — | 1 | +$832 | |
| 15 | $8,026 | 6.250% | — | 1 | +$1,154 | |
| 16 | $8,607 | 6.625% | — | 4 | +$1,735 | |
| 17 | $9,128 | 6.375% | — | 19 | +$2,256 | |
| 18 | $9,908 | 6.375% | — | 1 | +$3,036 | |
| 19 | $10,253 | 6.058% | — | 2 | +$3,381 | |
| 20 | $10,380 | 6.375% | — | 1 | +$3,508 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First Federal Savings Bank of Twin Falls | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $6,872 | $7,127 | −$255 (−3.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.