East Idaho Credit Union Mortgage Rates, Fees & Info
Idaho Falls, IDLEI: 549300VEMK0LXVCRZM49
Tax ID: 82-0219844
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
East Idaho Credit Union is a smaller credit union specializing in Home Purchase loans. East Idaho Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Idaho Falls, Jackson, Twin Falls, Rexburg, and Boise City among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)East Idaho Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
71Origination Dollar Volume (All Markets)
$31,795,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| IDAHO FALLS, ID (FHA|USDA|VA) | 47 | $17,545,000 | $373,298 | $0 | 0.00% |
| Jackson, WY-ID (FHA|USDA|VA) | 6 | $5,120,000 | $853,333 | $0 | 0.00% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $3,825,000 | $3,825,000 | $0 | 0.00% |
| Rexburg, ID (FHA|USDA|VA) | 6 | $2,040,000 | $340,000 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $1,295,000 | $259,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $0 | 0.00% |
| Blackfoot, ID (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against EAST IDAHO Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 128
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $31,795,000 | $447,817 | $0 | 0.00% |
For 2024, East Idaho Credit Union's most frequently originated type of loan was Conventional, with 71 originations.
Loan Reason
For 2024, East Idaho Credit Union's most frequently cited loan purpose was Home Purchase, with 47 originations. The 2nd most popular reason was Other, with 11 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 71 | $31,795,000 | $447,817 | $0 | 0.00% |
For 2024, East Idaho Credit Union's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2024 saw East Idaho Credit Union place emphasis on $200k-400k loans with 22 originations, totaling $6,700,000 in origination value.
Applicant Income
East Idaho Credit Union lent most frequently to those with incomes in the $150k-250k range, with 20 originations. The second most popular income band? $100k-150k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 71 | $31,795,000 | $447,817 | $0 | 0.00% |
East Idaho Credit Union lent most frequently to those with DTI ratios of Exempt%, with 71 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 61 | $24,215,000 | $396,967 | $0 | 0.00% |
| Not provided | 10 | $7,580,000 | $758,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications80.50%
East Idaho Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination40.85%
East Idaho Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 71 | $31,795,000 | $447,817 |