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First Federal Savings Bank

TWIN FALLS, ID

First Federal Savings Bank processed 1,212 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 715 loans with a 13.9% denial rate. Home Purchase was the primary loan purpose. Based in TWIN FALLS, ID. The approval rate of 59.0% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First Federal Savings Bank's 59.0% origination rate tells you how often an application turned into funded money; the 13.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,175 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,212
Applications
715
Originated
13.9%
Denial Rate
$211,931
Avg Loan Amount
Avg Interest Rate: 7.595% Avg Applicant Income: $36,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,175 696 162 $208,106
FHA 23 11 3 $289,348
VA 9 6 1 $502,778
USDA 5 2 2 $231,000

Top loan types - First Federal Savings Bank

Top loan types - First Federal Savings Bank Horizontal bar chart of the top 4 items by value (applications). Top loan types - First Federal Savings Bank Top 4 1. Conventional 1,175 2. FHA 23 3. VA 9 4. USDA 5 Top 5 loan types by application volume at First Federal Savings Bank (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for First Federal Savings Bank (LEI: 254900SUM1U8US3D2Z03) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
109
Credit history
74
Collateral
11
Other
10
Employment history
6
Insufficient cash
3
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 429 256 $368,310
Refinancing 295 153 $176,797
Other 236 118 $93,475
Home Improvement 209 150 $74,378
Cash-out Refinancing 43 38 $211,512

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 1,090 58.6% 14.0%
Asian * 22 27.3% 9.1%
Joint * 18 66.7% 11.1%
American Indian or Alaska Native * 7 28.6% 28.6%
Black or African American * 3 66.7% 0.0%
Native Hawaiian or Other Pacific Islander * 2 50.0% 50.0%
2 or more minority races * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 902 58.9% 12.5%
Hispanic or Latino 210 53.8% 20.9%
Joint * 33 54.5% 12.1%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in ID

Other HMDA-reporting lenders in ID with similar activity. Compare any two side-by-side.

Idaho Central Credit Union

CHUBBUCK, ID

14,046 apps 8,573 originated 20.0% denied

Premier Mortgage Resources, LLC

Meridian, ID

6,105 apps 4,104 originated 3.1% denied

Secured Investment Corp

Coeur d'Alene, ID

2,051 apps 259 originated 0.0% denied

Potlatch No 1 Financial Credit U

LEWISTON, ID

1,202 apps 734 originated 13.3% denied

Westmark Credit Union

IDAHO FALLS, ID

1,153 apps 644 originated 26.4% denied
Compare First Federal Savings Bank vs Idaho Central Credit Union →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did First Federal Savings Bank process?
First Federal Savings Bank processed 1,212 mortgage applications in the 2024 HMDA reporting year. Of these, 715 were originated (approved and funded), 250 were withdrawn by the applicant, and 168 were denied.
What is First Federal Savings Bank's mortgage approval rate?
First Federal Savings Bank has an approval (origination) rate of 59.0%, meaning 59.0% of all applications resulted in a funded mortgage. The denial rate is 13.9%.
What is the average loan amount at First Federal Savings Bank?
The average mortgage loan amount at First Federal Savings Bank is $211,931. The average interest rate is 7.595%. The average applicant income is $36,000.
What are the most common reasons for mortgage denial at First Federal Savings Bank?
The most common reasons for mortgage denial at First Federal Savings Bank are: Debt-to-income ratio, Credit history, Collateral. In total, 168 applications were denied out of 1,212 total applications.
What types of mortgage loans does First Federal Savings Bank offer?
First Federal Savings Bank processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 1,175 applications and an average loan amount of $208,106.
What loan purposes does First Federal Savings Bank serve?
First Federal Savings Bank serves the following loan purposes: Home Purchase (429 applications), Refinancing (295 applications), Other (236 applications), Home Improvement (209 applications), Cash-out Refinancing (43 applications). Home Purchase is the most common purpose.
Where is First Federal Savings Bank located?
First Federal Savings Bank is headquartered in TWIN FALLS, ID. The lender is identified by LEI 254900SUM1U8US3D2Z03 in HMDA data.
How does First Federal Savings Bank compare in lending across racial demographics?
First Federal Savings Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 58.6% and denial rate of 14.0%; Asian applicants have an approval rate of 27.3% and denial rate of 9.1%; Joint applicants have an approval rate of 66.7% and denial rate of 11.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is 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.