What loan types does WESTMARK Credit Union offer?

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

Where does WESTMARK Credit Union offer mortgages?

WESTMARK Credit Union offers mortgages in 1 states: ID.

How competitive are WESTMARK Credit Union's mortgage rates?

WESTMARK Credit Union has an overall pricing score of 47.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is WESTMARK Credit Union?

WESTMARK Credit Union is a Credit Union headquartered in Idaho Falls, ID.

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WESTMARK Credit Union

Credit Union•Idaho Falls, IDHQ•Direct•Reviews near you on Google

WESTMARK Credit Union has 104 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 · 3 mkts

Awards

Refinance

Superstar

Explore another lender or local market

Report Card

WESTMARK Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 19.6 bps below 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

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 4 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	Sound	93	89.4%	-0.189%Below	$3,828Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume93

Mix89.4%

Spread

-0.189%Below

Fees

$3,828Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	72	69.2%	-0.222%Below	$4,689Fees
Refinance	Strong	Sound	Strong	Strong	32	30.8%	-0.145%Below	$2,711Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume72

Mix69.2%

Spread

-0.222%Below

Fees

$4,689Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume32

Mix30.8%

Spread

-0.145%Below

Fees

$2,711Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

104

Applications

211

Volume

$35 million

Pricing & Closing

Avg Rate Spread

-0.196%

vs. market APOR

Avg Net Fees

$4,008

Origination − Credits

Pullthrough Rate

49.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$342,981

Avg Borrower Income

$160,731

Avg Property Value

$545,865

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

Idaho Falls, IDMetro

Volume 43Mix 41.35% of portfolio

75/100

Strong

Boise City, IDMetro

Volume 26Mix 25.00% of portfolio

57/100

Sound

Pocatello, IDMetro

Volume 10Mix 9.62% of portfolio

48/100

Sound

Top States by Place Specialization Score

IdahoState

Volume 104Mix 100.00% of portfolio

71/100

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.