ACT 1ST FCU
ACT 1ST FCU received 49 applications in 2025 and made 38 mortgages, in 9 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $50,000. Of 43 decisions, 5 were denials — 11.6%.
| Legal Entity Identifier | 254900FE6QJXGH3VIA90 |
|---|---|
| Applications received | 49 |
| Mortgages made | 38 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 25 | Not published | $45,000 | 0.0% |
Where ACT 1ST FCU lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Allegany County, MD | 24 | Not published | 11.1% |
| Mineral County, WV | 4 | Under 10 loans | 0.0% |
| Hampshire County, WV | 3 | Under 10 loans | 0.0% |
| Garrett County, MD | 2 | Under 10 loans | 33.3% |
| Bedford County, PA | 1 | Under 10 loans | 50.0% |
| Franklin County, PA | 1 | Under 10 loans | 0.0% |
| Somerset County, PA | 1 | Under 10 loans | 0.0% |
| Grant County, WV | 1 | Under 10 loans | 0.0% |
| Preston County, WV | 1 | Under 10 loans | 0.0% |
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When ACT 1ST FCU’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.