CINFED Federal Credit Union
CINFED Federal Credit Union received 811 applications in 2025 and made 502 mortgages, in 29 counties across 6 states. The median rate its borrowers got was 7.000% on a median loan of $125,000. Of 609 decisions, 89 were denials — 14.6%, most often for other. 109 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300YJQ7L8XG0WT572 |
|---|---|
| Applications received | 811 |
| Mortgages made | 502 |
| Denied | 89 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 202 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.06 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 | 124 | 6.625% | $290,000 | 8.0% |
| Refinancing | 44 | 6.250% | $285,000 | 6.3% |
| Cash-out refinancing | 94 | 6.500% | $225,000 | 6.9% |
| Other purposes | 240 | 7.250% | $55,000 | 21.1% |
Where CINFED Federal Credit Union lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hamilton County, OH | 276 | 7.000% | 11.2% |
| Kenton County, KY | 65 | 7.250% | 14.8% |
| Boone County, KY | 39 | 7.000% | 17.0% |
| Clermont County, OH | 27 | 7.250% | 13.9% |
| Butler County, OH | 26 | 7.250% | 10.3% |
| Campbell County, KY | 22 | 6.563% | 8.3% |
| Warren County, OH | 14 | 6.600% | 6.7% |
| Pendleton County, KY | 6 | Under 10 loans | 0.0% |
| Dearborn County, IN | 5 | Under 10 loans | 0.0% |
| Grant County, KY | 3 | Under 10 loans | 25.0% |
| Brown County, OH | 3 | Under 10 loans | 25.0% |
| Clinton County, OH | 3 | Under 10 loans | 0.0% |
| Carroll County, KY | 2 | Under 10 loans | 0.0% |
| Bracken County, KY | 1 | Under 10 loans | 0.0% |
| Mercer County, KY | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 1 | Under 10 loans | 0.0% |
| Greene County, OH | 1 | Under 10 loans | 0.0% |
| Montgomery County, OH | 1 | Under 10 loans | 0.0% |
| Portage County, OH | 1 | Under 10 loans | 0.0% |
| Scioto County, OH | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 0 | Under 10 loans | Not published |
| Brevard County, FL | 0 | Under 10 loans | Not published |
| Franklin County, IN | 0 | Under 10 loans | 100.0% |
| Switzerland County, IN | 0 | Under 10 loans | 0.0% |
| Gallatin County, KY | 0 | Under 10 loans | 100.0% |
| Jefferson County, KY | 0 | Under 10 loans | Not published |
| Woodford County, KY | 0 | Under 10 loans | Not published |
| Charlevoix County, MI | 0 | Under 10 loans | 100.0% |
| Adams County, OH | 0 | Under 10 loans | 100.0% |
Get told when this changes
When CINFED 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.