What loan types does Pioneer Federal Credit Union offer?

Pioneer Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Pioneer Federal Credit Union offer mortgages?

Pioneer Federal Credit Union offers mortgages in 1 states: ID.

How competitive are Pioneer Federal Credit Union's mortgage rates?

Pioneer Federal Credit Union has an overall pricing score of 50.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Pioneer Federal Credit Union?

Pioneer Federal Credit Union is a Credit Union headquartered in Mountain Home, ID.

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Pioneer Federal Credit Union

Credit Union•Mountain Home, IDHQ•Direct•Reviews near you on Google

Pioneer Federal Credit Union has 77 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 2 mkts

Awards

Refinance

Superstar

Explore another lender or local market

Report Card

Pioneer Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+8.7 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Exceptional	77	100.0%	+0.087%Above	$2,801Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Exceptional

Volume77

Mix100.0%

Spread

+0.087%Above

Fees

$2,801Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Strong	37	48.1%	-0.126%Below	$3,143Fees
Refinance	Strong	Sound	Strong	Exceptional	40	51.9%	+0.257%Above	$2,530Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Strong

Volume37

Mix48.1%

Spread

-0.126%Below

Fees

$3,143Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Exceptional

Volume40

Mix51.9%

Spread

+0.257%Above

Fees

$2,530Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$17 million

Pricing & Closing

Avg Rate Spread

+0.087%

vs. market APOR

Avg Net Fees

$2,801

Origination − Credits

Pullthrough Rate

93.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$229,026

Avg Borrower Income

$102,299

Avg Property Value

$426,688

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

West1

Top Metro Areas by Place Specialization Score

Boise City, IDMetro

Volume 36Mix 46.75% of portfolio

62/100

Strong

Twin Falls, IDMetro

Volume 21Mix 27.27% of portfolio

62/100

Strong

Top States by Place Specialization Score

IdahoState

Volume 77Mix 100.00% of portfolio

68/100

Strong

How 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.