Idaho Central Credit Union mortgage approval rate & lending review
Idaho Central Credit Union decided 26,905 mortgage applications and funded 17,616 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Idaho Central Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Idaho Central Credit Union at a glance
Approval is 8.5 points above the 72.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 6,763 / 7,154 | 80% | $395K | 5,397 |
| Home improvement loans | 80% | 7,500 / 9,362 | 86% | $105K | 6,485 |
| Cash-out refinance | 66% | 4,596 / 6,951 | 79% | $95K | 3,627 |
| Refinance | 88% | 1,466 / 1,672 | 71% | $275K | 1,045 |
| Investment property purchase | 91% | 632 / 692 | 77% | $295K | 486 |
| Investment cash-out refinance | 60% | 198 / 328 | 63% | $185K | 124 |
| Investment refinance | 89% | 154 / 174 | 66% | $285K | 101 |
| Investment home improvement | 70% | 402 / 572 | 87% | $145K | 351 |
Idaho Central Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Idaho | 81% | $105K | 25,106 | 16,535 |
| Washington | 83% | $345K | 1,539 | 958 |
| Arizona | 70% | $105K | 170 | 91 |
| Oregon | 65% | $305K | 26 | 8 |
| Utah | 85% | $675K | 26 | 13 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Idaho Central Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ada County, ID | Home improvement loans | 83% | 4,908 | 3,533 |
| Ada County, ID | Mortgage lenders | 95% | 3,550 | 2,722 |
| Ada County, ID | Cash-out refinance | 69% | 3,426 | 1,892 |
| Canyon County, ID | Home improvement loans | 76% | 2,154 | 1,381 |
| Canyon County, ID | Mortgage lenders | 92% | 1,288 | 955 |
| Canyon County, ID | Cash-out refinance | 62% | 1,818 | 876 |
| Kootenai County, ID | Home improvement loans | 80% | 1,026 | 718 |
| Kootenai County, ID | Mortgage lenders | 94% | 937 | 696 |
| Bonneville County, ID | Mortgage lenders | 97% | 754 | 588 |
| Bonneville County, ID | Home improvement loans | 79% | 848 | 586 |
| Ada County, ID | Refinance | 88% | 762 | 486 |
| Spokane County, WA | Mortgage lenders | 94% | 490 | 345 |
The county markets where Idaho Central Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Idaho Central Credit Union
What is Idaho Central Credit Union's mortgage approval rate?
Idaho Central Credit Union approved 80.7% of the 26,905 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.5 points above the 72.2% national rate for the same mix of loan types.
How often do borrowers take the loan Idaho Central Credit Union offers?
Borrowers accepted 81% of the loans Idaho Central Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Idaho Central Credit Union make?
The typical home improvement loan loan Idaho Central Credit Union made was $105K; across all loan types its typical loan ran from $95K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Idaho Central Credit Union lend?
Idaho Central Credit Union decided applications in 17 of the states Fat Boy Data covers, most of them in Idaho, Washington and Arizona.
Can I apply to Idaho Central Credit Union directly?
Yes. Idaho Central Credit Union is a bank or credit union with 65 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Idaho Central Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Idaho Central Credit Union treats applications, then get a rate quote from the lender.