Looking for a different lender?
I
IDAHO CENTRAL CREDIT UNION
Credit Union|Chubbuck, ID|Multi-Region
Loans Originated
3,234
Applications
4,810
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.138%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,432
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
IDAHO CENTRAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Exceptional | Multi-Regional · 8 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$397,056
Average Borrower Income
$162,675
Average Property Value
$567,195
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 2,652 | 82.0% | +0.146% | $2,343 |
FHA Loans | Strong | Strong | Sound | Strong | 269 | 8.3% | +0.247% | $3,604 |
VA Loans | Strong | Strong | Strong | Strong | 101 | 3.1% | -0.542% | $2,910 |
Jumbo Loans | Exceptional | Exceptional | Strong | Exceptional | 208 | 6.4% | +0.237% | $1,405 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 2,492 | 77.1% | +0.125% | $2,602 |
Refinance | Strong | Exceptional | Strong | Strong | 742 | 22.9% | +0.198% | $1,667 |
Geographic Coverage
Metro Areas
7
States Served
8
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
AZIDMTNVORUTWAWY
Top Metro Areas by Place Specialization Score
1
Boise City, ID, IDMSA
Volume: 1,435Mix: 44.37%
Place Specialization
Exceptional
2
Pocatello, ID, IDMSA
Volume: 243Mix: 7.51%
Place Specialization
Exceptional
3
Coeur d'Alene, ID, IDMSA
Volume: 291Mix: 9.00%
Place Specialization
Exceptional
4
Idaho Falls, ID, IDMSA
Volume: 257Mix: 7.95%
Place Specialization
Exceptional
5
Twin Falls, ID, IDMSA
Volume: 228Mix: 7.05%
Place Specialization
Exceptional
6
Spokane, WAMSA
Volume: 121Mix: 3.74%
Place Specialization
Strong
7
Lewiston, ID, ID-WAMSA
Volume: 47Mix: 1.45%
Place Specialization
Strong
Top States by Place Specialization Score
1
IDState
Volume: 3,043Mix: 94.09%
Place Specialization
Exceptional
2
WAState
Volume: 162Mix: 5.01%
Place Specialization
Strong
3
ORState
Volume: 12Mix: 0.37%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare IDAHO CENTRAL CREDIT UNION with other lenders or get personalized recommendations.