Twin Falls
Metropolitan Statistical Area · MSA Code 46300
According to CFPB HMDA 2024 application volume among tracked metros, Twin Falls ranks #323 of 418.
Mortgage lending activity in the Twin Falls metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Twin Falls Metropolitan Statistical Area (MSA code 46300) recorded 5,029 HMDA-reported mortgage applications in 2024. Lenders originated 2,864 of those and denied others at a rate of 16.7%, for an approval (origination) rate of 56.9%. The average loan amount across the MSA was $228,651 at an average note rate of 7.29%. 20 major lenders are tracked for this metro - Idaho Central Credit Union, First Federal Savings Bank, Premier Mortgage Resources, LLC lead by origination volume. Among the 418 metros tracked, Twin Falls ranks #211 by denial rate (the 50th percentile for approval-friendliness), and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Twin Falls denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 16.7% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $228,651 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Twin Falls
In Twin Falls, lead originator Idaho Central Credit Union funded 18.5% of 2,864 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 40.9% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Twin Falls's 16.7% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Twin Falls's 5,029 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Twin Falls's $228,651 average loan (deduped against denial and volume peers).
Lenders active in the Twin Falls metro
Idaho Central Credit Union funded 530 of the 2,864 loans originated here, 18.5% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Idaho Central Credit Union | 530 | 873 | $181,094 | 18.5% |
| 2 | First Federal Savings Bank | 424 | 685 | $182,066 | 14.8% |
| 3 | Premier Mortgage Resources, LLC | 216 | 307 | $236,759 | 7.5% |
| 4 | United Wholesale Mortgage | 164 | 199 | $316,558 | 5.7% |
| 5 | Guild Mortgage Company | 128 | 184 | $234,674 | 4.5% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Twin Falls 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 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.