# WESTMARK Credit Union

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

WESTMARK Credit Union is a credit union, headquartered in Idaho Falls, ID, with 104 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493006LGHJCBICSE610
- **Headquarters:** Idaho Falls, ID
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** ID
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.196%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,008
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 104
- **Dollar Volume:** $36 million
- **Applications Received:** 211
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $342,981
- **Average Borrower Income:** $160,731

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 93 | -0.189% | $3,828 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 61 loans, Score: 42/100 (Sound)
- Refinance: 32 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 72 | $28M | -0.222% | Sound ☺️ |
| Refinance | 53/100 | 32 | $8M | -0.145% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ID | 104 | 0.39% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Idaho Falls, ID | ID | 43 | 75/100 |
| Boise City, ID | ID | 26 | 57/100 |
| Non |  | 15 | 31/100 |
| Pocatello, ID | ID | 10 | 48/100 |

## Frequently Asked Questions

### What loan types does WESTMARK Credit Union offer?

WESTMARK 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 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 a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.196% below market average.

### What type of lender is WESTMARK Credit Union?

WESTMARK Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Idaho Falls, ID.

### What is WESTMARK Credit Union's loan approval success rate?

WESTMARK Credit Union has a pull-through score of 44/100 (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/westmark-credit-union

### How to Cite

> "WESTMARK Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/westmark-credit-union

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