FEDCHOICE Federal Credit Union
FEDCHOICE Federal Credit Union received 228 applications in 2025 and made 99 mortgages, in 72 counties across 24 states. The median rate its borrowers got was 0.000% on a median loan of $95,000. Of 169 decisions, 63 were denials — 37.3%, most often for other.
| Legal Entity Identifier | 549300AN5V81GRYDJ823 |
|---|---|
| Applications received | 228 |
| Mortgages made | 99 |
| Denied | 63 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 59 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -7.07 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 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 93 | 7.250% | $95,000 | 37.1% |
Where FEDCHOICE Federal Credit Union 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 |
|---|---|---|---|
| Prince George's County, MD | 30 | 7.375% | 36.7% |
| District of Columbia, DC | 6 | Under 10 loans | 46.2% |
| Montgomery County, MD | 6 | Under 10 loans | 45.5% |
| Philadelphia County, PA | 6 | Under 10 loans | 53.8% |
| Anne Arundel County, MD | 5 | Under 10 loans | 37.5% |
| Charles County, MD | 3 | Under 10 loans | 50.0% |
| Howard County, MD | 3 | Under 10 loans | 25.0% |
| Fairfax County, VA | 3 | Under 10 loans | 40.0% |
| Loudoun County, VA | 3 | Under 10 loans | 0.0% |
| New Castle County, DE | 2 | Under 10 loans | 0.0% |
| Calvert County, MD | 2 | Under 10 loans | 0.0% |
| Stafford County, VA | 2 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Clay County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 50.0% |
| Sagadahoc County, ME | 1 | Under 10 loans | 0.0% |
| Baltimore County, MD | 1 | Under 10 loans | 50.0% |
| Caroline County, MD | 1 | Under 10 loans | 0.0% |
| Frederick County, MD | 1 | Under 10 loans | 50.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 0.0% |
| Clay County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Burlington County, NJ | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 66.7% |
| Monmouth County, NJ | 1 | Under 10 loans | 0.0% |
| Chautauqua County, NY | 1 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 1 | Under 10 loans | 0.0% |
| Hoke County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Bucks County, PA | 1 | Under 10 loans | 0.0% |
| Delaware County, PA | 1 | Under 10 loans | 50.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 0.0% |
| Salt Lake County, UT | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Prince William County, VA | 1 | Under 10 loans | 0.0% |
| Wilcox County, AL | 0 | Under 10 loans | Not published |
| Benton County, AR | 0 | Under 10 loans | 100.0% |
| Riverside County, CA | 0 | Under 10 loans | Not published |
| San Diego County, CA | 0 | Under 10 loans | 0.0% |
| San Francisco County, CA | 0 | Under 10 loans | Not published |
| Denver County, CO | 0 | Under 10 loans | 100.0% |
| Citrus County, FL | 0 | Under 10 loans | 100.0% |
| Indian River County, FL | 0 | Under 10 loans | Not published |
| Orange County, FL | 0 | Under 10 loans | Not published |
| Osceola County, FL | 0 | Under 10 loans | 100.0% |
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When FEDCHOICE 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.