Lender in Idaho · HMDA 2025
Mountain America Federal Credit Union mortgages in Idaho
Mountain America Federal Credit Union's 2025 home-purchase and refinance lending in Idaho, compared with all lenders in the state.
Mountain America Federal Credit Union originated 268 owner-occupied single-family loans in Idaho from 376 completed applications.
Its median conventional purchase loan costs were $7,790 versus $7,270 for all Idaho lenders, at a median 30-year fixed rate of 6.25% (Idaho: 6.50%).
Loans in ID
268
of 376 applications
Denial rate
14.3%
Purchase · ID 4.9%
Rate spread
+0.12 pts
Conv. · ID +0.06 pts
Loan amount
$365,000
Purchase · ID $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 196 | 168 | 14.3% | 6.250% | +0.12 pts | $7,790 | $365,000 |
| Refinance | 110 | 61 | 43.6% | — | −0.09 pts | $20 | $185,000 |
| Cash-out refinance | 70 | 39 | 44.3% | 6.490% | +0.12 pts | $7,810 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Idaho counties where Mountain America Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fremont County | 5 | 7 | 4.4% |
| Madison County | 7 | 12 | 3.1% |
| Oneida County | 7 | 3 | 3.3% |
| Boise County | 10 | 5 | 2.8% |
| Franklin County | 11 | 5 | 2.4% |
| Gooding County | 11 | 3 | 2.0% |
| Power County | 11 | 2 | 3.7% |
| Bingham County | 12 | 10 | 1.7% |
| Butte County | 12 | 1 | 2.9% |
| Custer County | 12 | 1 | 2.2% |
| Bannock County | 13 | 24 | 1.9% |
| Jerome County | 13 | 4 | 1.2% |
| Jefferson County | 15 | 9 | 1.6% |
| Minidoka County | 15 | 3 | 0.9% |
| Bonneville County | 16 | 34 | 1.7% |
| Cassia County | 17 | 3 | 1.0% |
| Valley County | 19 | 2 | 1.1% |
| Twin Falls County | 20 | 9 | 0.6% |
| Gem County | 21 | 3 | 0.9% |
| Canyon County | 25 | 57 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology