Pioneer Federal Credit Union mortgage approval rate & lending review
Pioneer Federal Credit Union decided 395 mortgage applications and funded 341 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pioneer Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pioneer Federal Credit Union at a glance
Approval is 22.6 points above the 70.8% 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 | 100% | 81 / 81 | 93% | $385K | 75 |
| Home improvement loans | 88% | 157 / 178 | 91% | $75K | 143 |
| Cash-out refinance | 99% | 78 / 79 | 95% | $145K | 74 |
| Refinance | 95% | 39 / 41 | 92% | $75K | 36 |
Pioneer Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Idaho | 93% | $75K | 395 | 341 |
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 Pioneer Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ada County, ID | Home improvement loans | 96% | 82 | 72 |
| Canyon County, ID | Home improvement loans | 82% | 95 | 71 |
| Canyon County, ID | Cash-out refinance | 98% | 44 | 42 |
| Ada County, ID | Cash-out refinance | 100% | 35 | 32 |
| Canyon County, ID | Refinance | 96% | 25 | 21 |
The county markets where Pioneer Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Pioneer Federal Credit Union
What is Pioneer Federal Credit Union's mortgage approval rate?
Pioneer Federal Credit Union approved 93.4% of the 395 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 22.6 points above the 70.8% national rate for the same mix of loan types.
How often do borrowers take the loan Pioneer Federal Credit Union offers?
Borrowers accepted 92% of the loans Pioneer Federal 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 Pioneer Federal Credit Union make?
The typical home improvement loan loan Pioneer Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pioneer Federal Credit Union lend?
Pioneer Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Idaho.
Can I apply to Pioneer Federal Credit Union directly?
Yes. Pioneer Federal Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pioneer Federal 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 Pioneer Federal Credit Union treats applications, then get a rate quote from the lender.