EAST IDAHO Credit Union
EAST IDAHO Credit Union received 223 applications in 2025 and made 161 mortgages, in 28 counties across 6 states. The median rate its borrowers got was 6.225% on a median loan of $315,000. Of 184 decisions, 20 were denials — 10.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300VEMK0LXVCRZM49 |
|---|---|
| Applications received | 223 |
| Mortgages made | 161 |
| Denied | 20 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 39 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0005 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 96 | 6.233% | $385,000 | 7.5% |
| Refinancing | 27 | 6.150% | $375,000 | 3.6% |
| Cash-out refinancing | 22 | 6.300% | $120,000 | 8.3% |
| Other purposes | 16 | 6.188% | $85,000 | 36.0% |
Where EAST IDAHO Credit Union lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bonneville County, ID | 73 | 6.225% | 8.6% |
| Lemhi County, ID | 20 | 6.225% | 9.1% |
| Jefferson County, ID | 15 | 6.150% | 0.0% |
| Fremont County, ID | 10 | 6.375% | 0.0% |
| Teton County, ID | 6 | Under 10 loans | 25.0% |
| Ada County, ID | 5 | Under 10 loans | 0.0% |
| Bingham County, ID | 5 | Under 10 loans | 0.0% |
| Madison County, ID | 5 | Under 10 loans | 16.7% |
| Bannock County, ID | 2 | Under 10 loans | 33.3% |
| Butte County, ID | 2 | Under 10 loans | 0.0% |
| Canyon County, ID | 2 | Under 10 loans | 0.0% |
| Custer County, ID | 2 | Under 10 loans | 40.0% |
| Gem County, ID | 2 | Under 10 loans | 0.0% |
| Silver Bow County, MT | 2 | Under 10 loans | 0.0% |
| Bear Lake County, ID | 1 | Under 10 loans | 75.0% |
| Elmore County, ID | 1 | Under 10 loans | 50.0% |
| Idaho County, ID | 1 | Under 10 loans | 0.0% |
| Minidoka County, ID | 1 | Under 10 loans | 0.0% |
| Beaverhead County, MT | 1 | Under 10 loans | 0.0% |
| Missoula County, MT | 1 | Under 10 loans | 0.0% |
| Cache County, UT | 1 | Under 10 loans | 0.0% |
| Benton County, WA | 1 | Under 10 loans | 0.0% |
| Clallam County, WA | 1 | Under 10 loans | 0.0% |
| Teton County, WY | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
| Adams County, ID | 0 | Under 10 loans | Not published |
| Valley County, ID | 0 | Under 10 loans | 100.0% |
| Lewis and Clark County, MT | 0 | Under 10 loans | 0.0% |
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When EAST IDAHO Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.