BHCU
BHCU received 224 applications in 2025 and made 212 mortgages, in 20 counties across 6 states. The median rate its borrowers got was 6.500% on a median loan of $155,000. Of 222 decisions, 10 were denials — 4.5%, most often for debt-to-income ratio. 9 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300RMEQJVNY2YH756 |
|---|---|
| Applications received | 224 |
| Mortgages made | 212 |
| Denied | 10 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.497 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 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 148 | 6.500% | $155,000 | 2.0% |
| Other purposes | 57 | 6.500% | $105,000 | 9.5% |
Where BHCU lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Delaware County, PA | 134 | 6.500% | 0.7% |
| Chester County, PA | 26 | 6.500% | 0.0% |
| Cape May County, NJ | 11 | 6.590% | 0.0% |
| New Castle County, DE | 8 | Under 10 loans | 11.1% |
| Montgomery County, PA | 8 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 5 | Under 10 loans | 0.0% |
| Burlington County, NJ | 3 | Under 10 loans | 0.0% |
| Cecil County, MD | 2 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 2 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 2 | Under 10 loans | 0.0% |
| Lancaster County, PA | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Kent County, DE | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Cumberland County, NJ | 1 | Under 10 loans | 0.0% |
| Berks County, PA | 1 | Under 10 loans | 0.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Luzerne County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
Get told when this changes
When BHCU’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.