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Idaho Central Credit Union in Idaho

HMDA record for properties in Idaho, calendar year 2024. National record · Idaho overview

LEI 5493001PXRJMPLXPG540
Reporting agency National Credit Union Administration
State Idaho

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In Idaho, Idaho Central Credit Union reported 13,361 applications and 8,181 originations for 2024, $1.9bn in all.

Its denial rate in the state was 20.8%, close to the Idaho rate of 19.4% across all lenders and compared with the lender's national rate of 20.8%.

The median rate spread on its Idaho originations was 0.2 percentage points (state median 0.3).

Applications in the state were up 10% on 2023.

13,361applications in ID, 202495.1% of the lender's total
8,181loans originated$1.9bn
20.8%denial rateID all lenders 19.4%
0.2 ppmedian rate spreadID 0.3 pp

Compared with the state and the lender's national record

MeasureIn IdahoIdaho, all lendersIdaho Central Credit Union, all statesUnited States
Denial rate20.8%19.4%20.8%24.3%
Median rate spread, pp0.20.30.20.3
Originations with spread of 1.5 pp or more2.1%15.9%2.2%15.6%
Average originated loan$231k$314k$233k$329k
Home purchase share34.6%54.0%35.1%57.0%
FHA-insured share3.3%12.5%3.3%13.4%
VA-guaranteed share1.2%8.0%1.2%7.9%

Trend by year

ApplicationsOriginations

09,57019,1402022: 19,140 Applications2023: 12,174 Applications2024: 13,361 Applications2022: 12,862 Originations2023: 7,269 Originations2024: 8,181 Originations202220232024
Idaho Central Credit Union in Idaho: applications and originations, 2022–2024

This lender in stateIdaho, all lenders

0%11%22%2022: 15.5% This lender in state2023: 22% This lender in state2024: 20.8% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Idaho

By purpose

Home purchase 35% (2,828)Home improvement 39% (3,153)Refinancing 7% (543)Cash-out refinancing 20% (1,657)

By type

Conventional 95% (7,803)FHA 3% (274)VA 1% (100)USDA 0% (4)

Denial reasons as coded

Debt-to-income ratio76.1%
Collateral11.9%
Credit history9.7%
Unverifiable information0.9%
Credit application incomplete0.6%
Employment history0.4%
Insufficient cash (downpayment, closing costs)0.2%
Other0.2%
Mortgage insurance denied0%

Share of 2,670 denials in Idaho by first denial reason coded (outlined bar: all lenders in the state).

Counties in Idaho

CountyApplicationsOriginationsAmountDenial rate
Ada County4,4862,929$709m18.3%
Canyon County1,9961,193$234m24.3%
Kootenai County1,009656$195m17.7%
Bannock County895586$110m19.1%
Bonneville County865533$111m19.0%
Twin Falls County707442$89m23.0%
Bingham County362214$41m22.1%
Jefferson County253142$31m25.6%
Cassia County211121$25m23.7%
Valley County169115$53m14.3%
Madison County190111$31m11.2%
Minidoka County215110$18m28.4%
Payette County16699$20m20.6%
Jerome County16688$14m35.0%
Boise County13579$28m24.8%
Gem County13173$18m28.1%
Latah County11368$15m17.1%
Bonner County10768$20m24.0%
Nez Perce County10668$14m23.1%
Fremont County9450$15m19.6%
Elmore County8949$8.9m28.7%
Owyhee County7845$9.8m28.9%
Teton County6743$20m16.7%
Gooding County7436$6.3m28.8%
Shoshone County4931$5.5m22.9%
Power County5229$4.1m29.4%
Blaine County5125$7.2m31.3%
Washington County4321$6.7m25.6%
Caribou County3121$3.0m19.4%
Lincoln County3418$3.2m36.4%
Adams County2518$6.8m—
Idaho County2617$3.7m19.2%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Idaho Central Credit Union originate in Idaho in 2024?

8,181 loans totalling $1.9bn, from 13,361 applications reported for properties in Idaho.

What is Idaho Central Credit Union's denial rate in Idaho?

20.8% of decided applications in Idaho were denied, against 19.4% for all lenders in the state and 20.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Idaho counties does Idaho Central Credit Union lend in most?

By originations: Ada County (2,929), Canyon County (1,193), Kootenai County (656), Bannock County (586), Bonneville County (533).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Idaho. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.