We analyzed every closed loan from Idaho Central Credit Union — 3.2k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 7 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Idaho Central Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+13.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Exceptional
Top 10% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,652 | 82.0% | +0.146%Above | $2,343Fees | ||||
FHA Loans | 269 | 8.3% | +0.247%Above | $3,604Fees | ||||
VA Loans | 101 | 3.1% | -0.542%Below | $2,910Fees | ||||
Jumbo Loans | 208 | 6.4% | +0.237%Above | $1,405Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,652
Mix82.0%
Spread
+0.146%Above
Fees
$2,343Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume269
Mix8.3%
Spread
+0.247%Above
Fees
$3,604Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume101
Mix3.1%
Spread
-0.542%Below
Fees
$2,910Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume208
Mix6.4%
Spread
+0.237%Above
Fees
$1,405Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,492 | 77.1% | +0.125%Above | $2,602Fees | ||||
Refinance | 742 | 22.9% | +0.198%Above | $1,667Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,492
Mix77.1%
Spread
+0.125%Above
Fees
$2,602Fees
Refinance
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume742
Mix22.9%
Spread
+0.198%Above
Fees
$1,667Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,234
Applications
4,810
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.138%
vs. market APOR
Avg Net Fees
$2,432
Origination − Credits
Pullthrough Rate
67.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$397,056
Avg Borrower Income
$162,675
Avg Property Value
$567,195
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
8West8
AZIDMTNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 1,435Mix 44.37% of portfolio
100/100
Exceptional
Volume 243Mix 7.51% of portfolio
100/100
Exceptional
Volume 291Mix 9.00% of portfolio
99/100
Exceptional
Volume 257Mix 7.95% of portfolio
99/100
Exceptional
Volume 228Mix 7.05% of portfolio
98/100
Exceptional
Volume 121Mix 3.74% of portfolio
80/100
Strong
Volume 47Mix 1.45% of portfolio
80/100
StrongTop States by Place Specialization Score
1
IdahoState
Volume 3,043Mix 94.09% of portfolio
100/100
Exceptional2
WashingtonState
Volume 162Mix 5.01% of portfolio
67/100
Strong3
OregonState
Volume 12Mix 0.37% of portfolio
39/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.