FIRST CITIZENS' FEDERAL CREDIT UNION
FIRST CITIZENS' FEDERAL CREDIT UNION received 203 applications in 2025 and made 157 mortgages, in 6 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $115,000. Of 174 decisions, 15 were denials — 8.6%.
| Legal Entity Identifier | 54930088NZQ6CDL0WA10 |
|---|---|
| Applications received | 203 |
| Mortgages made | 157 |
| Denied | 15 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 29 |
| 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 | 43 | Not published | $395,000 | 0.0% |
| Refinancing | 12 | Not published | $380,000 | 0.0% |
| Cash-out refinancing | 102 | Not published | $85,000 | 12.6% |
Where FIRST CITIZENS' FEDERAL CREDIT UNION lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bristol County, MA | 79 | Not published | 6.9% |
| Barnstable County, MA | 54 | Not published | 11.5% |
| Plymouth County, MA | 20 | Not published | 4.8% |
| Worcester County, MA | 2 | Under 10 loans | 0.0% |
| Dukes County, MA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 50.0% |
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When FIRST CITIZENS' 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.