Applications / Mortgage Analytics / Lenders / Idaho / Lookout Credit Union
Pocatello, ID · Credit union · NCUA · $298 million assets · 28 loans in 2025
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28
loans originated, 2025
44
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lookout Credit Union, a Pocatello, Idaho, credit union with $298 million in assets, now makes only a few dozen mortgages a year, down from hundreds in 2020.
It made 28 loans in 2025 and 30 in 2024. In 2020 it made 424, and in 2021 310. The fall came mostly in 2022, when it made 88, and 2023, when it made 20. Its typical rate was 2.75% in 2020 against 6.38% in 2025; half its loans are refinances, and the end of cheap rates may account for much of the fall.
It has reported in Pocatello since 1999 and merged with Scenic Falls Federal Credit Union in 2017. It holds 0.5% of that market, 30th of 153 lenders, well behind Idaho Central Credit Union, the leader. It also lends in Idaho Falls and the rest of the state, with smaller shares.
Similar lenders are credit unions making between half and twice as many loans; there are 332 of them, and the typical one made 33 loans. Lookout's typical loan, $235,000, was larger than at nearly nine in ten of them, whose typical loan was $95,000. On 28 loans that is a rough guide, not a firm one.
With 28 loans, its shares of loan types, of borrowers' incomes and of neighborhoods rest on a handful of cases. A single loan moves any of them by several points, so they say little about how it lends.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lookout Credit Union took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 50.0%
Conventional 100.0% · of 28 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 | 23 | 82.1% |
| Oregon | 2 | 7.1% |
| Illinois | 1 | 3.6% |
| North Carolina | 1 | 3.6% |
| South Carolina | 1 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pocatello | 10 |
| Idaho Falls | 7 |
| Augusta-Richmond County | 1 |
| Decatur | 1 |
| Salem | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MPGZVO0YIGL418 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 141789 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57776 | 1999–2017 |
Established 1 January 1952. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Lookout Credit Union's data.
Lookout Credit Union's data
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Lookout 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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