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2024 data HMDA 2024 disclosure official source

Twin Falls County

4,105 mortgage applications, 15.9% denial rate. Verify FIPS 16083 with U.S. Census Bureau →

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Idaho · FIPS 16083

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.

FIPS 16083 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,105
Applications
2,369
Originated
15.9%
Denial Rate
57.7%
Approval Rate
$233,563
Avg Loan Amount
7.29%
Avg Interest Rate
$39K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Twin Falls County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Idaho Central Credit Union vs First Federal Savings Bank →

Frequently Asked Questions

How many mortgage applications were filed in Twin Falls County?
In the 2024 HMDA reporting year, 4,105 mortgage applications were filed in Twin Falls County, Idaho. Of these, 2,369 were originated (approved and funded), while 654 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Twin Falls County?
The mortgage denial rate in Twin Falls County is 15.9%. The approval (origination) rate is 57.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Twin Falls County?
The average mortgage loan amount in Twin Falls County is $233,563. The average interest rate is 7.290%. The average applicant income is $39K.
What is the loan-to-income ratio in Twin Falls County?
The average loan-to-income ratio in Twin Falls County is 6.0x, meaning borrowers took on loans averaging 6.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Twin Falls County?
The top mortgage lenders in Twin Falls County by origination volume are Idaho Central Credit Union, First Federal Savings Bank, Premier Mortgage Resources, LLC. In total, 164 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.