Applications / Mortgage Analytics / Lenders / Idaho / Pioneer Federal Credit Union
Mountain Home, ID · Credit union · NCUA · $734 million assets · 424 loans in 2025
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424
loans originated, 2025
609
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pioneer Federal Credit Union, an Idaho credit union, lends less for home purchases than for anything else, and far more on manufactured homes than similar lenders do.
Other-purpose loans made up 30.2% of its lending, home improvement 24.8% and refinances 23.6%. Purchases were only 21.5%. Manufactured homes took 7.3% of its loans, against 0.3% at similar lenders, credit unions making between half and twice as many loans. That is higher than at about nine in ten of them.
It made 424 loans, up 10%, near the middle of similar lenders. Its dollar volume rose to $77.7 million from $44.4 million, as its typical loan grew to $115,000 from $75,000. It made 638 loans at its peak in 2022.
In Twin Falls it ranked 12 of 169 lenders, and its share rose to 1.6% from 1.3%; Idaho Central Credit Union leads there. In Boise City and non-metro Idaho it ranked 43 of 409 and 43 of 378.
Poorer neighborhoods (low- and moderate-income, or LMI, areas) took 20.6% of its loans, against 15.3% at similar lenders. That is higher than at about four in five of them, and up from 12.5% in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pioneer Federal Credit Union took 609 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 30.2% · Home improvement 24.8% · Refinance 23.6% · Purchase 21.5%
Conventional 100.0% · of 424 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 | 422 | 99.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boise City | 218 |
| Twin Falls | 76 |
| Idaho Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OP314BNT2VUU11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 124287 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59247 | 1992–2017 |
Established 1 January 1954. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Pioneer Federal Credit Union's data.
Pioneer Federal Credit Union's data
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Pioneer Federal 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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