Pioneer Federal Credit Union in Idaho vs the state
7.1%Denial rate-7.39 pts vs state
9.0%Decision denial rate-8.51 pts vs state
69.6%Origination rate+6.60 pts vs state
7.50%Median rate+0.88 pts vs state
0.28Rate spread (pts)+0.13 pts vs state
$100kMedian applicant income
424Loans originated
43Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 575 | 371 | 7.8% | 8.25% | #28 |
| 2024 | 579 | 387 | 8.6% | 8.50% | #31 |
| 2025 | 609 | 424 | 7.1% | 7.50% | #33 |
What Pioneer Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Pioneer Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Canyon County | 155 | 104 | 13 | 8.4% |
| Ada County | 137 | 102 | 5 | 3.6% |
| Elmore County | 86 | 60 | 9 | 10.5% |
| Twin Falls County | 79 | 60 | 3 | 3.8% |
| Blaine County | 37 | 20 | 4 | 10.8% |
| Gooding County | 32 | 23 | 2 | 6.3% |
| Jerome County | 24 | 16 | 1 | 4.2% |
| Owyhee County | 8 | 6 | 0 | 0.0% |
| Payette County | 8 | 6 | 0 | 0.0% |
| Valley County | 7 | 5 | 0 | 0.0% |
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: 609 applications in 2025, of which 424 were originated and 43 denied.
7.1% of all applications, or 9.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Pioneer Federal Credit Union originated in Idaho in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Pioneer 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