G.P.O. Federal Credit Union
G.P.O. Federal Credit Union received 560 applications in 2025 and made 318 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 4.990% on a median loan of $95,000. Of 547 decisions, 221 were denials — 40.4%, most often for credit application incomplete.
| Legal Entity Identifier | 5493008UZWYHK74O4341 |
|---|---|
| Applications received | 560 |
| Mortgages made | 318 |
| Denied | 221 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.219 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 | 117 | 5.875% | $175,000 | 20.7% |
| Refinancing | 13 | 7.500% | $105,000 | 30.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 186 | 3.990% | $65,000 | 49.1% |
Where G.P.O. Federal Credit Union lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oneida County, NY | 179 | 5.375% | 40.8% |
| Herkimer County, NY | 94 | 3.990% | 38.2% |
| Madison County, NY | 19 | 3.990% | 48.7% |
| Fulton County, NY | 7 | Under 10 loans | 50.0% |
| Onondaga County, NY | 4 | Under 10 loans | 20.0% |
| Otsego County, NY | 4 | Under 10 loans | 33.3% |
| Saratoga County, NY | 4 | Under 10 loans | 0.0% |
| Cayuga County, NY | 2 | Under 10 loans | 0.0% |
| Montgomery County, NY | 2 | Under 10 loans | 66.7% |
| Lewis County, NY | 1 | Under 10 loans | 0.0% |
| Monroe County, NY | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Essex County, NY | 0 | Under 10 loans | 100.0% |
| Tompkins County, NY | 0 | Under 10 loans | 100.0% |
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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.