# PIONEER FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/pioneer-federal-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

PIONEER FEDERAL CREDIT UNION is a credit union, headquartered in Mountain Home, ID, with 77 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 58% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300OP314BNT2VUU11
- **Headquarters:** Mountain Home, ID
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** ID
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.087%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,801
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 77
- **Dollar Volume:** $18 million
- **Applications Received:** 82
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $229,026
- **Average Borrower Income:** $102,299

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 77 | +0.087% | $2,801 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 37 loans, Score: 36/100 (Acceptable)
- Refinance: 40 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 37 | $10M | -0.126% | Acceptable 🙂 |
| Refinance | 48/100 | 40 | $8M | +0.257% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ID | 77 | 0.29% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Boise City, ID | ID | 36 | 62/100 |
| Twin Falls, ID | ID | 21 | 62/100 |
| Non |  | 20 | 37/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 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 0.087% above market average.

### What type of lender is PIONEER FEDERAL CREDIT UNION?

PIONEER FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Mountain Home, ID.

### What is PIONEER FEDERAL CREDIT UNION's loan approval success rate?

PIONEER FEDERAL CREDIT UNION has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/pioneer-federal-credit-union

### How to Cite

> "PIONEER FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pioneer-federal-credit-union

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