WESTMARK Credit Union
WESTMARK Credit Union received 1,245 applications in 2025 and made 803 mortgages, in 49 counties across 13 states. The median rate its borrowers got was 6.990% on a median loan of $75,000. Of 1,023 decisions, 205 were denials — 20.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006LGHJCBICSE610 |
|---|---|
| Applications received | 1,245 |
| Mortgages made | 803 |
| Denied | 205 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 222 |
| Loans bought from other lenders | 26 |
| Median rate spread over the prime offer rate | -0.21 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 | 126 | 6.375% | $285,000 | 2.8% |
| Refinancing | 73 | 6.990% | $75,000 | 25.5% |
| Cash-out refinancing | 39 | 6.125% | $245,000 | 9.3% |
| Other purposes | 565 | 6.990% | $65,000 | 23.3% |
Where WESTMARK Credit Union lends most
The 49 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 | 295 | 6.990% | 12.0% |
| Ada County, ID | 104 | 6.990% | 23.7% |
| Canyon County, ID | 103 | 6.990% | 25.7% |
| Bingham County, ID | 64 | 6.990% | 23.5% |
| Bannock County, ID | 53 | 6.990% | 12.9% |
| Jefferson County, ID | 50 | 6.990% | 17.5% |
| Twin Falls County, ID | 45 | 6.990% | 27.4% |
| Fremont County, ID | 9 | Under 10 loans | 10.0% |
| Madison County, ID | 9 | Under 10 loans | 10.0% |
| Payette County, ID | 9 | Under 10 loans | 10.0% |
| Elmore County, ID | 8 | Under 10 loans | 27.3% |
| Teton County, ID | 7 | Under 10 loans | 0.0% |
| Gem County, ID | 5 | Under 10 loans | 0.0% |
| Gooding County, ID | 5 | Under 10 loans | 0.0% |
| Boise County, ID | 4 | Under 10 loans | 20.0% |
| Jerome County, ID | 4 | Under 10 loans | 50.0% |
| Butte County, ID | 3 | Under 10 loans | 0.0% |
| Cassia County, ID | 3 | Under 10 loans | 57.1% |
| Kootenai County, ID | 3 | Under 10 loans | 0.0% |
| Owyhee County, ID | 3 | Under 10 loans | 40.0% |
| Adams County, ID | 2 | Under 10 loans | 0.0% |
| Caribou County, ID | 2 | Under 10 loans | 0.0% |
| Custer County, ID | 2 | Under 10 loans | 33.3% |
| Franklin County, ID | 2 | Under 10 loans | 33.3% |
| Minidoka County, ID | 2 | Under 10 loans | 0.0% |
| Blaine County, ID | 1 | Under 10 loans | 0.0% |
| Boundary County, ID | 1 | Under 10 loans | 0.0% |
| Clark County, ID | 1 | Under 10 loans | 0.0% |
| Lincoln County, ID | 1 | Under 10 loans | 0.0% |
| Power County, ID | 1 | Under 10 loans | 75.0% |
| Valley County, ID | 1 | Under 10 loans | 66.7% |
| Washington County, ID | 1 | Under 10 loans | 0.0% |
| Cleburne County, AL | 0 | Under 10 loans | 100.0% |
| San Diego County, CA | 0 | Under 10 loans | 100.0% |
| Manatee County, FL | 0 | Under 10 loans | 100.0% |
| Bear Lake County, ID | 0 | Under 10 loans | 100.0% |
| Bonner County, ID | 0 | Under 10 loans | 100.0% |
| Camas County, ID | 0 | Under 10 loans | 100.0% |
| Bay County, MI | 0 | Under 10 loans | Not published |
| St. Louis County, MN | 0 | Under 10 loans | 100.0% |
| Walthall County, MS | 0 | Under 10 loans | 100.0% |
| Powell County, MT | 0 | Under 10 loans | 100.0% |
| Greenville County, SC | 0 | Under 10 loans | 100.0% |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
| Midland County, TX | 0 | Under 10 loans | 100.0% |
| Utah County, UT | 0 | Under 10 loans | Not published |
| Pierce County, WA | 0 | Under 10 loans | 100.0% |
| Spokane County, WA | 0 | Under 10 loans | 100.0% |
| Campbell County, WY | 0 | Under 10 loans | Not published |
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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.