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Capital Educators Fed Cu

MERIDIAN, ID

Capital Educators Fed Cu processed 664 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 470 loans with a 15.5% denial rate. Home Improvement was the primary loan purpose. Based in MERIDIAN, ID. The approval rate of 70.8% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Capital Educators Fed Cu's 70.8% origination rate tells you how often an application turned into funded money; the 15.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (662 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

664
Applications
470
Originated
15.5%
Denial Rate
$151,160
Avg Loan Amount
Avg Interest Rate: 6.621% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 662 470 102 $150,770
FHA 1 0 0 $385,000
VA 1 0 1 $175,000

Top loan types - Capital Educators Fed Cu

Top loan types - Capital Educators Fed Cu Horizontal bar chart of the top 3 items by value (applications). Top loan types - Capital Educators Fed Cu Top 3 1. Conventional 662 2. FHA 1 3. VA 1 Top 5 loan types by application volume at Capital Educators Fed Cu (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Capital Educators Fed Cu (LEI: 549300LYL7JC81I5DV55) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
15
Credit history
13
Collateral
13
Other
3
Unverifiable information
1
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 212 187 $81,415
Other 201 94 $89,229
Cash-out Refinancing 128 89 $160,781
Home Purchase 104 86 $369,712
Refinancing 19 14 $323,421

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 585 70.1% 15.9%
Joint * 17 82.3% 5.9%
Asian * 3 66.7% 33.3%
American Indian or Alaska Native * 1 100.0% 0.0%
Black or African American * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 553 71.1% 14.5%
Hispanic or Latino * 33 51.5% 36.4%
Joint * 18 66.7% 33.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in ID

Other HMDA-reporting lenders in ID with similar activity. Compare any two side-by-side.

Idaho Central Credit Union

CHUBBUCK, ID

14,046 apps 8,573 originated 20.0% denied

Premier Mortgage Resources, LLC

Meridian, ID

6,105 apps 4,104 originated 3.1% denied

Secured Investment Corp

Coeur d'Alene, ID

2,051 apps 259 originated 0.0% denied

First Federal Savings Bank

TWIN FALLS, ID

1,212 apps 715 originated 13.9% denied

Potlatch No 1 Financial Credit U

LEWISTON, ID

1,202 apps 734 originated 13.3% denied
Compare Capital Educators Fed Cu vs Idaho Central Credit Union →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Capital Educators Fed Cu process?
Capital Educators Fed Cu processed 664 mortgage applications in the 2024 HMDA reporting year. Of these, 470 were originated (approved and funded), 79 were withdrawn by the applicant, and 103 were denied.
What is Capital Educators Fed Cu's mortgage approval rate?
Capital Educators Fed Cu has an approval (origination) rate of 70.8%, meaning 70.8% of all applications resulted in a funded mortgage. The denial rate is 15.5%.
What is the average loan amount at Capital Educators Fed Cu?
The average mortgage loan amount at Capital Educators Fed Cu is $151,160. The average interest rate is 6.621%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at Capital Educators Fed Cu?
The most common reasons for mortgage denial at Capital Educators Fed Cu are: Debt-to-income ratio, Credit history, Collateral. In total, 103 applications were denied out of 664 total applications.
What types of mortgage loans does Capital Educators Fed Cu offer?
Capital Educators Fed Cu processes Conventional, FHA, VA loans. The most common type is Conventional with 662 applications and an average loan amount of $150,770.
What loan purposes does Capital Educators Fed Cu serve?
Capital Educators Fed Cu serves the following loan purposes: Home Improvement (212 applications), Other (201 applications), Cash-out Refinancing (128 applications), Home Purchase (104 applications), Refinancing (19 applications). Home Improvement is the most common purpose.
Where is Capital Educators Fed Cu located?
Capital Educators Fed Cu is headquartered in MERIDIAN, ID. The lender is identified by LEI 549300LYL7JC81I5DV55 in HMDA data.
How does Capital Educators Fed Cu compare in lending across racial demographics?
Capital Educators Fed Cu reports demographic lending data under HMDA requirements. White applicants have an approval rate of 70.1% and denial rate of 15.9%; Joint applicants have an approval rate of 82.3% and denial rate of 5.9%; Asian applicants have an approval rate of 66.7% and denial rate of 33.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.