Applications / Mortgage Analytics / Lenders / Idaho / Frontier Credit Union
Idaho Falls, ID · Credit union · NCUA · $711 million assets · 161 loans in 2025
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161
loans originated, 2025
223
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Frontier Credit Union more than doubled its lending in 2025, and its loans are far larger than at nearly all similar credit unions.
Its typical loan was $315,000, against $105,000 at similar lenders (lenders of the same type making between half and twice as many loans), larger than at nearly all of them. Home purchases made up 59.6% of its loans, a possible reason for the bigger amounts.
It made 161 loans, up 127%, while similar lenders grew 8%. That followed a fall to 71 in 2024 from 201 in 2023. The rebound returned it to about its 2020 level of 171.
It ranks 9 of 211 lenders in Idaho Falls, where its share rose 0.8 points to 2.3%; Idaho Central Credit Union leads. In 2025 it entered non-metro Montana and Missoula, where its shares are small.
Its typical rate was 6.22%, against 6.75%, lower than at about four in five similar lenders. It made no higher-priced loans (a rate well above the average for similar loans), against 2.3% at peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Frontier Credit Union took 223 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.6% · Refinance 30.4% · Other 5.6% · Home improvement 4.3%
Conventional 100.0% · of 161 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Idaho | 153 | 95.0% |
| Montana | 4 | 2.5% |
| Washington | 2 | 1.2% |
| Utah | 1 | 0.6% |
| Wyoming | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Idaho Falls | 90 |
| Boise City | 9 |
| Pocatello | 2 |
| Kennewick-Richland | 1 |
| Logan | 1 |
| Missoula | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VEMK0LXVCRZM49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 929071 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568376 | 2004–2017 |
Established 1 January 1935. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Frontier Credit Union's data.
Frontier Credit Union's data
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Frontier Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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