Capital Educators Federal Credit Union in Idaho vs the state
13.4%Denial rate-1.05 pts vs state
15.7%Decision denial rate-1.85 pts vs state
71.4%Origination rate+8.41 pts vs state
—Median rate
—Rate spread (pts)
$105kMedian applicant income
405Loans originated
76Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 664 | 474 | 11.1% | 7.99% | #23 |
| 2024 | 662 | 468 | 15.6% | 6.75% | #26 |
| 2025 | 567 | 405 | 13.4% | — | #36 |
What Capital Educators Federal Credit Union lends in Idaho
By loan purpose
By loan type
Where in Idaho
Counties with the most Capital Educators Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 364 | 265 | 48 | 13.2% |
| Canyon County | 132 | 95 | 16 | 12.1% |
| Twin Falls County | 13 | 6 | 3 | 23.1% |
| Valley County | 10 | 5 | 4 | 40.0% |
| Payette County | 10 | 9 | 1 | 10.0% |
| Gem County | 7 | 5 | 0 | 0.0% |
| Elmore County | 7 | 3 | 1 | 14.3% |
| Boise County | 5 | 4 | 0 | 0.0% |
| Blaine County | 4 | 4 | 0 | 0.0% |
| Cassia County | 2 | 1 | 1 | 50.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 567 applications in 2025, of which 405 were originated and 76 denied.
13.4% of all applications, or 15.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Capital Educators Federal Credit Union's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology