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EAST IDAHO CREDIT UNION

IDAHO FALLS, ID

EAST IDAHO CREDIT UNION processed 159 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 71 loans with a 19.5% denial rate. Home Purchase was the primary loan purpose. Based in IDAHO FALLS, ID. The approval rate of 44.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. EAST IDAHO CREDIT UNION processed 159 HMDA-reported mortgage applications in 2024, originating 71 loans and denying 31 for a denial rate of 19.5% (applicants themselves withdrew 39 files before a decision). The average loan amount was $351,164. The lender reports under LEI 549300VEMK0LXVCRZM49 from IDAHO FALLS, ID.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. EAST IDAHO CREDIT UNION's 44.7% origination rate tells you how often an application turned into funded money; the 19.5% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (147 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.

159
Applications
71
Originated
19.5%
Denial Rate
$351,164
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 147 71 27 $353,367
FHA 10 0 4 $258,000
VA 2 0 0 $655,000

Top loan types — EAST IDAHO CREDIT UNION

Top loan types — EAST IDAHO CREDIT UNION Horizontal bar chart of the top 3 items by value (applications). Top loan types — EAST IDAHO CREDIT UNION Top 3 1. Conventional 147 2. FHA 10 3. VA 2 Top 5 loan types by application volume at EAST IDAHO CREDIT UNION (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for EAST IDAHO CREDIT UNION (LEI: 549300VEMK0LXVCRZM49) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 104 47 $460,385
Cash-out Refinancing 28 9 $144,286
Other 20 11 $76,000
Refinancing 4 3 $547,500
Home Improvement 3 1 $68,333

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 142 43.0% 21.1%
Black or African American 1 0.0% 100.0%

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 118 43.2% 23.7%
Hispanic or Latino 23 43.5% 8.7%
Joint 2 50.0% 0.0%

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 EAST IDAHO CREDIT UNION vs IDAHO CENTRAL CREDIT UNION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did EAST IDAHO CREDIT UNION process?
EAST IDAHO CREDIT UNION processed 159 mortgage applications in the 2023 HMDA reporting year. Of these, 71 were originated (approved and funded), 39 were withdrawn by the applicant, and 31 were denied.
What is EAST IDAHO CREDIT UNION's mortgage approval rate?
EAST IDAHO CREDIT UNION has an approval (origination) rate of 44.7%, meaning 44.7% of all applications resulted in a funded mortgage. The denial rate is 19.5%.
What is the average loan amount at EAST IDAHO CREDIT UNION?
The average mortgage loan amount at EAST IDAHO CREDIT UNION is $351,164.
What types of mortgage loans does EAST IDAHO CREDIT UNION offer?
EAST IDAHO CREDIT UNION processes Conventional, FHA, VA loans. The most common type is Conventional with 147 applications and an average loan amount of $353,367.
What loan purposes does EAST IDAHO CREDIT UNION serve?
EAST IDAHO CREDIT UNION serves the following loan purposes: Home Purchase (104 applications), Cash-out Refinancing (28 applications), Other (20 applications), Refinancing (4 applications), Home Improvement (3 applications). Home Purchase is the most common purpose.
Where is EAST IDAHO CREDIT UNION located?
EAST IDAHO CREDIT UNION is headquartered in IDAHO FALLS, ID. The lender is identified by LEI 549300VEMK0LXVCRZM49 in HMDA data.
How does EAST IDAHO CREDIT UNION compare in lending across racial demographics?
EAST IDAHO CREDIT UNION reports demographic lending data under HMDA requirements. White applicants have an approval rate of 43.0% and denial rate of 21.1%; Black or African American applicants have an approval rate of 0.0% and denial rate of 100.0%. 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.