Havard Federal Credit Union
Havard Federal Credit Union received 495 applications in 2025 and made 382 mortgages, in 29 counties across 7 states. The median rate its borrowers got was 6.990% on a median loan of $205,000. Of 430 decisions, 42 were denials — 9.8%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300XTSMAC5DOX6447 |
|---|---|
| Applications received | 495 |
| Mortgages made | 382 |
| Denied | 42 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 65 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.012 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 | 133 | 6.500% | $505,000 | 4.9% |
| Refinancing | 65 | 6.990% | $195,000 | 8.3% |
| Cash-out refinancing | 21 | 6.750% | $245,000 | 33.3% |
| Other purposes | 163 | 6.990% | $105,000 | 9.8% |
Where Havard Federal Credit Union lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
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When Havard 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.