CROSS VALLEY FEDERAL CREDIT UNION
CROSS VALLEY FEDERAL CREDIT UNION received 175 applications in 2025 and made 160 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 6.000% on a median loan of $80,000. Of 172 decisions, 12 were denials — 7.0%, most often for debt-to-income ratio. 10 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900L0XOVEOJWGQO95 |
|---|---|
| Applications received | 175 |
| Mortgages made | 160 |
| Denied | 12 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0 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 | 18 | 6.500% | $260,000 | 10.0% |
| Refinancing | 38 | 5.990% | $115,000 | 0.0% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 98 | 5.995% | $65,000 | 9.3% |
Where CROSS VALLEY FEDERAL CREDIT UNION lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Luzerne County, PA | 141 | 6.000% | 2.1% |
| Lackawanna County, PA | 7 | Under 10 loans | 0.0% |
| Wyoming County, PA | 4 | Under 10 loans | 0.0% |
| Monroe County, PA | 2 | Under 10 loans | 0.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| Pike County, PA | 1 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 1 | Under 10 loans | 0.0% |
| Sullivan County, PA | 1 | Under 10 loans | 0.0% |
Get told when this changes
When CROSS VALLEY 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.