Direct Federal Credit Union
Direct Federal Credit Union received 736 applications in 2025 and made 445 mortgages, in 34 counties across 14 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 677 decisions, 225 were denials — 33.2%. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493008Q2ZM3OTLTQH25 |
|---|---|
| Applications received | 736 |
| Mortgages made | 445 |
| Denied | 225 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 59 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 19 | Not published | $385,000 | 13.6% |
| Refinancing | 34 | Not published | $305,000 | 30.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Other purposes | 384 | Not published | $195,000 | 34.3% |
Where Direct Federal Credit Union lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Norfolk County, MA | 132 | Not published | 27.2% |
| Middlesex County, MA | 125 | Not published | 30.1% |
| Essex County, MA | 43 | Not published | 24.6% |
| Plymouth County, MA | 35 | Not published | 32.7% |
| Suffolk County, MA | 29 | Not published | 44.2% |
| Worcester County, MA | 24 | Not published | 33.3% |
| Bristol County, MA | 20 | Not published | 28.6% |
| Barnstable County, MA | 17 | Not published | 29.2% |
| Hillsborough County, NH | 7 | Under 10 loans | 36.4% |
| Providence County, RI | 5 | Under 10 loans | 58.3% |
| Rockingham County, NH | 4 | Under 10 loans | 20.0% |
| Washington County, RI | 2 | Under 10 loans | 33.3% |
| Belknap County, NH | 1 | Under 10 loans | 50.0% |
| Newport County, RI | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 0 | Under 10 loans | 100.0% |
| Los Angeles County, CA | 0 | Under 10 loans | 100.0% |
| San Francisco County, CA | 0 | Under 10 loans | 100.0% |
| San Joaquin County, CA | 0 | Under 10 loans | 100.0% |
| Capitol Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Osceola County, FL | 0 | Under 10 loans | 100.0% |
| Palm Beach County, FL | 0 | Under 10 loans | 100.0% |
| Pinellas County, FL | 0 | Under 10 loans | 100.0% |
| Cherokee County, GA | 0 | Under 10 loans | 100.0% |
| Cook County, IL | 0 | Under 10 loans | 100.0% |
| Cumberland County, ME | 0 | Under 10 loans | 100.0% |
| Penobscot County, ME | 0 | Under 10 loans | 100.0% |
| Dukes County, MA | 0 | Under 10 loans | 100.0% |
| Hampden County, MA | 0 | Under 10 loans | 100.0% |
| Pontotoc County, MS | 0 | Under 10 loans | 100.0% |
| Cape May County, NJ | 0 | Under 10 loans | 100.0% |
| Essex County, NJ | 0 | Under 10 loans | 100.0% |
| Mercer County, NJ | 0 | Under 10 loans | 100.0% |
| Montgomery County, PA | 0 | Under 10 loans | 100.0% |
| Sumter County, SC | 0 | Under 10 loans | 100.0% |
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When Direct 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.