FREMONT Federal Credit Union
FREMONT Federal Credit Union received 517 applications in 2025 and made 468 mortgages, in 17 counties across 2 states. The median rate its borrowers got was 7.250% on a median loan of $85,000. Of 487 decisions, 19 were denials — 3.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300MXBLBJSY4S5R72 |
|---|---|
| Applications received | 517 |
| Mortgages made | 468 |
| Denied | 19 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2725 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 | 165 | 6.500% | $125,000 | 0.6% |
| Refinancing | 16 | 7.375% | $135,000 | 11.1% |
| Cash-out refinancing | 75 | 7.000% | $105,000 | 6.3% |
| Other purposes | 212 | 7.500% | $55,000 | 4.9% |
Where FREMONT Federal Credit Union lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sandusky County, OH | 350 | 7.250% | 4.4% |
| Ottawa County, OH | 38 | 7.500% | 0.0% |
| Wood County, OH | 25 | 6.875% | 7.4% |
| Seneca County, OH | 19 | 7.500% | 5.0% |
| Erie County, OH | 11 | 7.500% | 0.0% |
| Lucas County, OH | 8 | Under 10 loans | 0.0% |
| Huron County, OH | 6 | Under 10 loans | 0.0% |
| Hancock County, OH | 2 | Under 10 loans | 0.0% |
| Lorain County, OH | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Columbiana County, OH | 1 | Under 10 loans | 0.0% |
| Delaware County, OH | 1 | Under 10 loans | 0.0% |
| Logan County, OH | 1 | Under 10 loans | 0.0% |
| Portage County, OH | 1 | Under 10 loans | 0.0% |
| Summit County, OH | 1 | Under 10 loans | 0.0% |
| Wyandot County, OH | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 0 | Under 10 loans | Not published |
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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.