Applications / Mortgage Analytics / Lenders / Idaho / First Federal Savings Bank of Twin Falls
Twin Falls, ID · Savings institution · OCC · $1.4 billion assets · 739 loans in 2025
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739
loans originated, 2025
1,259
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings Bank of Twin Falls is the second-largest lender in Twin Falls, ID, and gained share there in 2025, though it makes far fewer loans than at its 2021 peak.
It ranks 2 of 169 lenders in Twin Falls, ID, behind Idaho Central Credit Union, and its share rose from 11.7% to 12.8%. Its loans rose 3%, against 6% for similar lenders (savings institutions making between half and twice as many loans) and 10% for the whole market.
It made 739 loans, against 1,888 in 2020 and 2,119 in 2021. Its dollar volume rose from $141.5 million to $182.0 million in 2025 as its typical loan rose from $135,000 to $205,000, still smaller than about two in three similar lenders' typical loans. The 2020 and 2021 totals may have been lifted by refinancing, which is now 23.7% of its loans.
Manufactured homes are 4.2% of its loans, against 0.1% at similar lenders, higher than about four in five of them. It denied 3.9% of decided first-lien purchase applications on owner-occupied homes, against 4.9% at similar lenders.
Low- and moderate-income (LMI) borrowers took 26.9% of its loans, against 24.1% at similar lenders, a little above the middle. Loans in LMI tracts were 11.2%, against 14.1%, lower than about four in five; its lending in 29 counties, mostly in Idaho, is one possible reason.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings Bank of Twin Falls took 1,259 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.7% · Refinance 23.7% · Home improvement 18.5% · Other 12.0%
Conventional 95.9% · FHA 2.7% · VA 1.2% · USDA (RHS or FSA) 0.1% · of 739 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Idaho | 733 | 99.2% |
| Arizona | 2 | 0.3% |
| Montana | 1 | 0.1% |
| Nevada | 1 | 0.1% |
| Oregon | 1 | 0.1% |
| Washington | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Twin Falls | 439 |
| Boise City | 87 |
| Idaho Falls | 2 |
| Bellingham | 1 |
| Great Falls | 1 |
| Lake Havasu City-Kingman | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Lewiston | 1 |
| Logan | 1 |
| Pocatello | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SUM1U8US3D2Z03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 582971 | 2018–2023 |
Established 1 January 1916. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: First Federal Savings Bank of Twin Falls's data.
First Federal Savings Bank of Twin Falls's data
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First Federal Savings Bank of Twin Falls and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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