Democracy Federal Credit Union
Democracy Federal Credit Union received 36 applications in 2025 and made 21 mortgages, in 8 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $125,000. Of 28 decisions, 7 were denials — 25.0%, most often for other.
| Legal Entity Identifier | 25490008Z6OW7HHL6478 |
|---|---|
| Applications received | 36 |
| Mortgages made | 21 |
| Denied | 7 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.16 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 |
|---|---|---|---|---|
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 19 | 7.250% | $105,000 | 26.9% |
Where Democracy Federal Credit Union lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Prince George's County, MD | 11 | 7.250% | 26.7% |
| Montgomery County, MD | 5 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 50.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 1 | Under 10 loans | 50.0% |
| Loudoun County, VA | 1 | Under 10 loans | 0.0% |
| Prince William County, VA | 1 | Under 10 loans | 50.0% |
| Philadelphia County, PA | 0 | Under 10 loans | Not published |
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When Democracy 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.