PIONEER FEDERAL CREDIT UNION
PIONEER FEDERAL CREDIT UNION received 609 applications in 2025 and made 424 mortgages, in 22 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $115,000. Of 477 decisions, 43 were denials — 9.0%, most often for debt-to-income ratio. 6 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300OP314BNT2VUU11 |
|---|---|
| Applications received | 609 |
| Mortgages made | 424 |
| Denied | 43 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 132 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.28 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 | 91 | 6.000% | $305,000 | 3.1% |
| Refinancing | 21 | 5.875% | $315,000 | 12.0% |
| Cash-out refinancing | 79 | 6.250% | $185,000 | 1.2% |
| Other purposes | 233 | 7.750% | $65,000 | 13.3% |
Where PIONEER FEDERAL CREDIT UNION lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Canyon County, ID | 104 | 7.750% | 10.9% |
| Ada County, ID | 102 | 7.125% | 4.6% |
| Elmore County, ID | 60 | 7.750% | 12.7% |
| Twin Falls County, ID | 60 | 6.750% | 4.7% |
| Gooding County, ID | 23 | 7.000% | 7.7% |
| Blaine County, ID | 20 | 7.500% | 16.7% |
| Jerome County, ID | 16 | 7.250% | 5.6% |
| Owyhee County, ID | 6 | Under 10 loans | 0.0% |
| Payette County, ID | 6 | Under 10 loans | 0.0% |
| Valley County, ID | 5 | Under 10 loans | 0.0% |
| Cassia County, ID | 4 | Under 10 loans | 0.0% |
| Gem County, ID | 4 | Under 10 loans | 0.0% |
| Lincoln County, ID | 3 | Under 10 loans | 25.0% |
| Adams County, ID | 2 | Under 10 loans | 0.0% |
| Boise County, ID | 2 | Under 10 loans | 50.0% |
| Camas County, ID | 2 | Under 10 loans | 0.0% |
| Bonneville 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% |
| Clearwater County, ID | 0 | Under 10 loans | 100.0% |
| Kootenai County, ID | 0 | Under 10 loans | Not published |
| Washington County, ID | 0 | Under 10 loans | 100.0% |
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When PIONEER FEDERAL 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.