Applications / Mortgage Analytics / Lenders / Idaho / Farmers Bank
Buhl, ID · State non-member bank · FDIC · $668 million assets · 48 loans in 2025
Farmers Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
48
loans originated, 2025
60
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Bank, a small lender around Twin Falls, specializes in manufactured homes: nearly half of its 48 loans in 2025 financed them.
Manufactured homes took 45.8% of its loans, against 2.4% at similar lenders (state non-member banks making between half and twice as many loans), the highest share among them. Purchases and refinances split evenly, and all loans were conventional. Its typical loan was $125,000, against $165,000 at similar lenders.
Of its loans, 75.0% were higher-priced (a rate well above the average for similar loans), against 5.6% at similar lenders. Its typical rate was 8.25%, against 7.00%. Manufactured-home loans are often priced this way, and with 45.8% of its loans in them, they could account for most of the gap; its smaller loans may explain some of the rest. How its rates compare with other Twin Falls lenders' on the same kind of loan is not yet known.
It made 48 loans, up 9% from 44, near the middle of similar lenders, which grew 4%. Since it first reported in 2018 it has made between 44 and 73 loans a year.
In Twin Falls it ranked 23 of 169 with 0.6% of the market, unchanged from 2024. Idaho Central Credit Union and First Federal Savings Bank of Twin Falls led there. Borrowers with low and moderate incomes took 32.6% of its loans, against 27.6% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers Bank took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 50.0%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Twin Falls | 34 |
| Boise City | 1 |
| Pocatello | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GRNKKCY7NMXC23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 307062 | 2018–2023 |
Established 11 May 1917. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Farmers Bank's data.
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