Lender in Idaho · HMDA 2025
Idaho Central Credit Union mortgages in Idaho
Idaho Central Credit Union's 2025 home-purchase and refinance lending in Idaho, compared with all lenders in the state.
Idaho Central Credit Union originated 3,198 owner-occupied single-family loans in Idaho from 4,578 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $5,600 versus $7,270 for all Idaho lenders, at a median 30-year fixed rate of 6.375% (Idaho: 6.50%).
Loans in ID
3,198
of 4,578 applications
Denial rate
2.8%
Purchase · ID 4.9%
Rate spread
−0.06 pts
Conv. · ID +0.06 pts
Loan amount
$375,000
Purchase · ID $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,979 | 2,318 | 2.8% | 6.375% | −0.06 pts | $5,600 | $375,000 |
| Refinance | 832 | 515 | 8.5% | 6.250% | −0.01 pts | $4,660 | $405,000 |
| Cash-out refinance | 767 | 365 | 20.1% | 6.500% | −0.13 pts | $2,680 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Idaho counties where Idaho Central Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 43.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ada County | 1 | 1,028 | 11.4% |
| Kootenai County | 1 | 324 | 10.5% |
| Bannock County | 1 | 228 | 17.7% |
| Twin Falls County | 1 | 202 | 13.6% |
| Bingham County | 1 | 89 | 15.1% |
| Jefferson County | 1 | 67 | 11.9% |
| Minidoka County | 1 | 61 | 19.2% |
| Madison County | 1 | 58 | 15.2% |
| Cassia County | 1 | 49 | 16.8% |
| Valley County | 1 | 31 | 16.9% |
| Boise County | 1 | 20 | 11.2% |
| Owyhee County | 1 | 14 | 12.3% |
| Adams County | 1 | 7 | 13.7% |
| Canyon County | 2 | 399 | 7.6% |
| Bonneville County | 2 | 230 | 11.2% |
| Nez Perce County | 2 | 63 | 10.9% |
| Jerome County | 2 | 37 | 10.9% |
| Gem County | 2 | 33 | 10.0% |
| Shoshone County | 2 | 17 | 7.8% |
| Caribou County | 2 | 13 | 14.3% |
| Washington County | 2 | 13 | 9.9% |
| Butte County | 2 | 3 | 8.8% |
| Custer County | 2 | 3 | 6.7% |
| Latah County | 3 | 52 | 13.2% |
| Fremont County | 3 | 13 | 8.1% |
| Teton County | 3 | 10 | 5.2% |
| Lincoln County | 3 | 6 | 10.3% |
| Power County | 3 | 5 | 9.3% |
| Lewis County | 3 | 3 | 8.3% |
| Payette County | 4 | 29 | 6.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology