CREDENCE FUNDING CORPORATION
CREDENCE FUNDING CORPORATION received 379 applications in 2025 and made 273 mortgages, in 230 counties across 23 states. The median rate its borrowers got was 5.750% on a median loan of $325,000. Of 276 decisions, 3 were denials — 1.1%, most often for credit history.
| Legal Entity Identifier | 254900HIDMT4ZG09RP47 |
|---|---|
| Applications received | 379 |
| Mortgages made | 273 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 103 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.878 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 | 26 | 6.500% | $365,000 | 7.1% |
| Refinancing | 244 | 5.625% | $315,000 | 0.4% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
Where CREDENCE FUNDING CORPORATION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harford County, MD | 11 | 6.625% | 8.3% |
| Marion County, IN | 6 | Under 10 loans | 0.0% |
| Baltimore County, MD | 6 | Under 10 loans | 14.3% |
| Prince George's County, MD | 4 | Under 10 loans | 0.0% |
| Baltimore city, MD | 4 | Under 10 loans | 0.0% |
| Bexar County, TX | 4 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 3 | Under 10 loans | 0.0% |
| Pasco County, FL | 3 | Under 10 loans | 0.0% |
| Liberty County, GA | 3 | Under 10 loans | 0.0% |
| Cook County, IL | 3 | Under 10 loans | 0.0% |
| Clark County, IN | 3 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 3 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 3 | Under 10 loans | 0.0% |
| Cumberland County, NC | 3 | Under 10 loans | 0.0% |
| Comanche County, OK | 3 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 3 | Under 10 loans | 0.0% |
| Bell County, TX | 3 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Coffee County, AL | 2 | Under 10 loans | 0.0% |
| Elmore County, AL | 2 | Under 10 loans | 0.0% |
| Houston County, AL | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 2 | Under 10 loans | 0.0% |
| Sacramento County, CA | 2 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 0.0% |
| Kent County, DE | 2 | Under 10 loans | 0.0% |
| Clay County, FL | 2 | Under 10 loans | 0.0% |
| Duval County, FL | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 0.0% |
| Camden County, GA | 2 | Under 10 loans | 0.0% |
| Henry County, GA | 2 | Under 10 loans | 33.3% |
| Jackson County, GA | 2 | Under 10 loans | 0.0% |
| Champaign County, IL | 2 | Under 10 loans | 0.0% |
| DuPage County, IL | 2 | Under 10 loans | 0.0% |
| McLean County, IL | 2 | Under 10 loans | 0.0% |
| St. Clair County, IL | 2 | Under 10 loans | 0.0% |
| Hendricks County, IN | 2 | Under 10 loans | 0.0% |
| Montgomery County, MD | 2 | Under 10 loans | 0.0% |
| Kent County, MI | 2 | Under 10 loans | 0.0% |
| Macomb County, MI | 2 | Under 10 loans | 0.0% |
| Wayne County, MI | 2 | Under 10 loans | 0.0% |
| Cumberland County, NJ | 2 | Under 10 loans | 0.0% |
| Davie County, NC | 2 | Under 10 loans | 0.0% |
| Hoke County, NC | 2 | Under 10 loans | 0.0% |
| Cleveland County, OK | 2 | Under 10 loans | 0.0% |
| Sequoyah County, OK | 2 | Under 10 loans | 0.0% |
| Wagoner County, OK | 2 | Under 10 loans | 0.0% |
| Allegheny County, PA | 2 | Under 10 loans | 0.0% |
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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.