Applications / Mortgage Analytics / Lenders / Idaho / Rails West Federal Credit Union
Chubbuck, ID · Credit union · NCUA · $76.6 million assets · 19 loans in 2025
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19
loans originated, 2025
24
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rails West Federal Credit Union, a small Idaho credit union, made no home-purchase loans in 2025: all 19 of its loans were refinances or home-improvement loans.
Refinances made up 52.6% of its lending and home improvement the other 47.4%. That may explain why its typical loan, $75,000, was smaller than the $105,000 at similar lenders, which are credit unions making between half and twice as many loans. Home-improvement loans tend to be small, and nearly half its book is made of them.
Its loans fell 10% to 19, a little faster than the 5% fall at similar lenders. They peaked at 56 in 2022 and have fallen each year since. With so few loans, a handful either way moves every figure, so little should be read into one year's change.
It has lent in Pocatello since 1998, and ranked 41 of 153 lenders there in 2025 with 0.3% of the market. Idaho Central Credit Union led that market. Its lending stays within one state and 4 counties.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rails West Federal Credit Union took 24 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.6% · Home improvement 47.4%
Conventional 100.0% · of 19 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 | 19 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pocatello | 16 |
| Idaho Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003ODK1CMS9CMW53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 926472 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5490 | 1998–2017 |
Established 1 January 1935. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Rails West Federal Credit Union's data.
Rails West Federal Credit Union's data
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Rails West 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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