# IDAHO CENTRAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/idaho-central-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

IDAHO CENTRAL CREDIT UNION is a credit union, headquartered in Chubbuck, ID, serving borrowers across 8 states, with 3,234 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001PXRJMPLXPG540
- **Headquarters:** Chubbuck, ID
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AZ, ID, MT, NV, OR, UT, WA, WY
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.138%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,432
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,234
- **Dollar Volume:** $1.3 billion
- **Applications Received:** 4,810
- **Market Share:** 9.00%

## Typical Borrower Profile

- **Average Loan Amount:** $397,056
- **Average Borrower Income:** $162,675

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (83%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 2,652 | +0.146% | $2,343 | Exceptional 🤩 |
| FHA | 78/100 | 269 | +0.247% | $3,604 | Strong 😀 |
| VA | 75/100 | 101 | -0.542% | $2,910 | Strong 😀 |
| Jumbo | 86/100 | 208 | +0.237% | $1,405 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,015 loans, Score: 86/100 (Exceptional)
- Refinance: 637 loans, Score: 84/100 (Exceptional)

**FHA:**
- Purchase: 249 loans, Score: 78/100 (Strong)
- Refinance: 20 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 94 loans, Score: 75/100 (Strong)

**Jumbo:**
- Purchase: 130 loans, Score: 84/100 (Exceptional)
- Refinance: 78 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 2,492 | $993M | +0.125% | Exceptional 🤩 |
| Refinance | 84/100 | 742 | $291M | +0.198% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ID | 3,043 | 11.39% | 100/100 |
| WA | 162 | 0.19% | 67/100 |
| OR | 12 | 0.03% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Boise City, ID | ID | 1,435 | 100/100 |
| Non |  | 582 | 72/100 |
| Coeur d'Alene, ID | ID | 291 | 99/100 |
| Idaho Falls, ID | ID | 257 | 99/100 |
| Pocatello, ID | ID | 243 | 100/100 |
| Twin Falls, ID | ID | 228 | 98/100 |
| Spokane | WA | 121 | 80/100 |
| Lewiston, ID | ID-WA | 47 | 80/100 |

## Frequently Asked Questions

### What loan types does IDAHO CENTRAL CREDIT UNION offer?

IDAHO CENTRAL CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does IDAHO CENTRAL CREDIT UNION offer mortgages?

IDAHO CENTRAL CREDIT UNION offers mortgages in 8 states: AZ, ID, MT, NV, OR, UT, WA, WY.

### How competitive are IDAHO CENTRAL CREDIT UNION's mortgage rates?

IDAHO CENTRAL CREDIT UNION has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.138% above market average.

### What type of lender is IDAHO CENTRAL CREDIT UNION?

IDAHO CENTRAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Chubbuck, ID.

### What is IDAHO CENTRAL CREDIT UNION's loan approval success rate?

IDAHO CENTRAL CREDIT UNION has a pull-through score of 78/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/idaho-central-credit-union

### How to Cite

> "IDAHO CENTRAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/idaho-central-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/idaho-central-credit-union)**