Alternatives Federal Credit Union
Alternatives Federal Credit Union received 47 applications in 2025 and made 41 mortgages, in 8 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $75,000. Of 45 decisions, 4 were denials — 8.9%.
| Legal Entity Identifier | 254900HXPUN0BQEZ4350 |
|---|---|
| Applications received | 47 |
| Mortgages made | 41 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| 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 | 18 | Not published | $105,000 | 10.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 11 | Not published | $75,000 | 0.0% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 20.0% |
Where Alternatives Federal Credit Union lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tompkins County, NY | 21 | Not published | 8.7% |
| Chemung County, NY | 6 | Under 10 loans | 14.3% |
| Seneca County, NY | 4 | Under 10 loans | 0.0% |
| Tioga County, NY | 4 | Under 10 loans | 0.0% |
| Cayuga County, NY | 3 | Under 10 loans | 0.0% |
| Monroe County, NY | 2 | Under 10 loans | 0.0% |
| Schuyler County, NY | 1 | Under 10 loans | 50.0% |
| Steuben County, NY | 0 | Under 10 loans | Not published |
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When Alternatives Federal Credit Union’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.