Lenders › First Federal Savings Bank › Idaho
First Federal Savings Bank in Idaho
HMDA record for properties in Idaho, calendar year 2024. National record · Idaho overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Idaho, First Federal Savings Bank reported 1,190 applications and 708 originations for 2024, $139m in all.
Its denial rate in the state was 18.7%, close to the Idaho rate of 19.4% across all lenders and compared with the lender's national rate of 18.7%.
The median rate spread on its Idaho originations was 0.4 percentage points (state median 0.3).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Idaho | Idaho, all lenders | First Federal Savings Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.7% | 19.4% | 18.7% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.6% | 15.9% | 19.4% | 15.6% |
| Average originated loan | $197k | $314k | $198k | $329k |
| Home purchase share | 35.2% | 54.0% | 35.8% | 57.0% |
| FHA-insured share | 1.6% | 12.5% | 1.5% | 13.4% |
| VA-guaranteed share | 0.8% | 8.0% | 0.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIdaho, all lenders
Loan purpose and loan type in Idaho
By purpose
Home purchase 35% (249)Home improvement 21% (150)Refinancing 22% (153)Cash-out refinancing 5% (38)Other purpose 17% (118)
By type
Conventional 97% (689)FHA 2% (11)VA 1% (6)USDA 0% (2)
Denial reasons as coded
Share of 167 denials in Idaho by first denial reason coded (outlined bar: all lenders in the state).
Counties in Idaho
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Twin Falls County | 589 | 375 | $71m | 17.1% |
| Minidoka County | 144 | 88 | $13m | 15.7% |
| Cassia County | 120 | 70 | $11m | 21.5% |
| Ada County | 83 | 51 | $18m | 10.3% |
| Jerome County | 96 | 49 | $7.8m | 27.5% |
| Canyon County | 61 | 29 | $7.1m | 28.6% |
| Gooding County | 34 | 19 | $4.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Federal Savings Bank originate in Idaho in 2024?
708 loans totalling $139m, from 1,190 applications reported for properties in Idaho.
What is First Federal Savings Bank's denial rate in Idaho?
18.7% of decided applications in Idaho were denied, against 19.4% for all lenders in the state and 18.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Idaho counties does First Federal Savings Bank lend in most?
By originations: Twin Falls County (375), Minidoka County (88), Cassia County (70), Ada County (51), Jerome County (49).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Idaho. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.