Twin Falls County
Idaho · FIPS 16083
According to CFPB HMDA 2024 application volume among U.S. counties, Twin Falls County ranks #578 of 3,210, and #5 of 44 in Idaho.
Mortgage lending activity in Twin Falls County, Idaho based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Twin Falls County, Idaho saw 4,105 HMDA-reported mortgage applications in 2024. Lenders originated 2,369 of those loans and denied 654, producing a denial rate of 15.9% and an approval (origination) rate of 57.7%. The average loan amount was $233,563 at an average note rate of 7.29%, with applicants self-reporting average annual income of $39K. 164 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Twin Falls County
In Twin Falls County, lead originator Idaho Central Credit Union funded 18.7% of 2,369 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 42.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Twin Falls County's 4,105 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Twin Falls County's $233,563 average loan (deduped against volume peers).
Lenders active in Twin Falls County
Idaho Central Credit Union funded 442 of the 2,369 loans originated in Twin Falls County, 18.7% of the county. 164 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Idaho Central Credit Union | 442 | 18.7% |
| 2 | First Federal Savings Bank | 375 | 15.8% |
| 3 | Premier Mortgage Resources, LLC | 186 | 7.9% |
| 4 | United Wholesale Mortgage | 131 | 5.5% |
| 5 | Guild Mortgage Company | 116 | 4.9% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Twin Falls County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Twin Falls County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.