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Twin Falls County, Idaho · 2025

Mortgage lenders in Twin Falls County, ID: denial rates and top lenders (2025)

181 lenders acted on 4,283 mortgage applications for properties in Twin Falls County in 2025. 15.3% were denied (Idaho: 14.5%). Median rate on closed loans 6.63%; median loan $225,000; median property value $365,000.

4.3kApplications
15.3%Denial ratestate 14.5%
6.63%Median ratestate 6.63%
$225,000Median loan
$365,000Median property value

Largest lenders in Twin Falls County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Idaho Central Credit Union A 799504 18.0%7.00%
2 First Federal Savings Bank of Twin Falls C 580375 10.5%6.75%
3 Premier Mortgage Resources B 301195 3.7%6.50%
4 United Shore Financial Services B 212156 10.4%6.00%
5 Rocket Mortgage C 154109 20.1%6.63%
6 Planet Home Lending B 145122 6.2%6.50%
7 Cornerstone Capital Bank A 137106 1.5%6.38%
8 NFM A 13295 1.5%6.25%
9 Guild Mortgage A 13299 8.3%6.38%
10 Movement Mortgage A 11283 7.1%6.50%
11 Mountain America Federal Credit Union D 10229 52.0%6.75%
12 U.S. Bank D 9454 27.7%6.81%
13 Pioneer Federal Credit Union B 7960 3.8%6.75%
14 WESTMARK Credit Union B 7445 23.0%6.99%
15 D. L. Evans Bank D 7142 21.1%—
16 Freedom Mortgage B 6326 6.4%6.25%
17 Mortgage Research Center C 4526 22.2%6.06%
18 Loandepot.Com D 4425 25.0%6.99%
19 Pennymac Loan Services C 3820 13.2%6.87%
20 Spring Eq D 3515 45.7%9.90%
21 AmeriSave Mortgage D 316 64.5%7.50%
22 Vanderbilt Mortgage and Finance F 310 54.8%—
23 Glacier Bank D 3017 16.7%7.38%
24 Zions Bancorporation B 2715 40.7%6.50%
25 Farmers Bank – 2419 8.3%8.25%

Best approval odds in Twin Falls County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Cornerstone Capital Bank1081.9%
2NFM982.0%
3Pioneer Federal Credit Union644.7%
4Premier Mortgage Resources2105.2%
5Planet Home Lending1326.8%
6Movement Mortgage1047.7%
7Guild Mortgage1169.5%
8United Shore Financial Services18112.2%
9First Federal Savings Bank of Twin Falls44113.8%
10Idaho Central Credit Union76318.9%

What Twin Falls County borrowers applied for

By loan purpose

Home purchase 1,917 45% · 6.7% denied
Refinance 545 13% · 18.5% denied
Cash-out refinance 870 20% · 22.1% denied
Home improvement 564 13% · 22.2% denied
Other / HELOC 387 9% · 28.4% denied

By loan type

Conventional 3,217 75% · 16.1% denied
FHA 735 17% · 13.3% denied
VA 321 7% · 12.8% denied
USDA / RHS 10 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 283 44%
Credit history 117 18%
Collateral 110 17%
Incomplete application 61 10%
Other 36 6%
Unverifiable information 16 3%
Insufficient cash 10 2%
Employment history 5 1%

Twin Falls County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,6652,14616.7%7.00%$175,000
20243,8072,36617.2%6.88%$205,000
20254,2832,64215.3%6.63%$225,000

Frequently asked questions

15.3% of applications in Twin Falls County were denied in 2025, against 14.5% statewide in Idaho.

Idaho Central Credit Union, with 799 applications in 2025 and a denial rate of 18.0%.

The median mortgage application in Twin Falls County in 2025 was for $225,000; the median property value on originated loans was $365,000.