BELCO COMMUNITY CREDIT UNION
BELCO COMMUNITY CREDIT UNION received 1,216 applications in 2025 and made 704 mortgages, in 27 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $65,000. Of 1,203 decisions, 380 were denials — 31.6%, most often for debt-to-income ratio. 140 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300JBMMNIOX7XU115 |
|---|---|
| Applications received | 1,216 |
| Mortgages made | 704 |
| Denied | 380 |
| Approved, not taken up | 119 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.26 points |
| 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 | 41.7% |
| Refinancing | 245 | 7.500% | $85,000 | 21.9% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Other purposes | 455 | 7.490% | $55,000 | 35.7% |
Where BELCO COMMUNITY CREDIT UNION lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lancaster County, PA | 226 | 7.500% | 26.1% |
| Cumberland County, PA | 122 | 6.490% | 21.6% |
| Dauphin County, PA | 114 | 7.500% | 29.2% |
| York County, PA | 87 | 6.490% | 24.0% |
| Adams County, PA | 65 | 7.500% | 20.6% |
| Lebanon County, PA | 40 | 7.500% | 11.1% |
| Perry County, PA | 16 | 6.490% | 23.1% |
| Franklin County, PA | 8 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 6 | Under 10 loans | 14.3% |
| Berks County, PA | 4 | Under 10 loans | 20.0% |
| Juniata County, PA | 3 | Under 10 loans | 0.0% |
| Allegheny County, PA | 2 | Under 10 loans | 0.0% |
| Bedford County, PA | 1 | Under 10 loans | 0.0% |
| Cambria County, PA | 1 | Under 10 loans | 0.0% |
| Chester County, PA | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Lycoming County, PA | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Northumberland County, PA | 1 | Under 10 loans | 0.0% |
| Carroll County, MD | 0 | Under 10 loans | 100.0% |
| Clearfield County, PA | 0 | Under 10 loans | 0.0% |
| Crawford County, PA | 0 | Under 10 loans | 100.0% |
| Delaware County, PA | 0 | Under 10 loans | 0.0% |
| Fulton County, PA | 0 | Under 10 loans | Not published |
| Lackawanna County, PA | 0 | Under 10 loans | 100.0% |
| Monroe County, PA | 0 | Under 10 loans | 100.0% |
| Philadelphia County, PA | 0 | Under 10 loans | 0.0% |
Get told when this changes
When BELCO COMMUNITY 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.