EAST IDAHO Credit Union in Idaho vs the state
9.4%Denial rate-5.02 pts vs state
11.4%Decision denial rate-6.09 pts vs state
72.2%Origination rate+9.15 pts vs state
6.23%Median rate-0.40 pts vs state
0.01Rate spread (pts)-0.15 pts vs state
$104kMedian applicant income
153Loans originated
20Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 389 | 200 | 23.4% | 8.18% | #50 |
| 2024 | 155 | 71 | 19.4% | — | #85 |
| 2025 | 212 | 153 | 9.4% | 6.23% | #83 |
What EAST IDAHO Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most EAST IDAHO Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bonneville County | 89 | 73 | 7 | 7.9% |
| Lemhi County | 27 | 20 | 2 | 7.4% |
| Jefferson County | 20 | 15 | 0 | 0.0% |
| Fremont County | 11 | 10 | 0 | 0.0% |
| Teton County | 11 | 6 | 2 | 18.2% |
| Bingham County | 10 | 5 | 0 | 0.0% |
| Custer County | 7 | 2 | 2 | 28.6% |
| Ada County | 7 | 5 | 0 | 0.0% |
| Bannock County | 6 | 2 | 1 | 16.7% |
| Madison County | 6 | 5 | 1 | 16.7% |
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: 212 applications in 2025, of which 153 were originated and 20 denied.
9.4% of all applications, or 11.4% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans EAST IDAHO Credit Union originated in Idaho in 2025 was 6.23%, against a statewide median of 6.63%.
About this data. Figures are EAST IDAHO 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