I-C Federal Credit Union
I-C Federal Credit Union received 206 applications in 2025 and made 119 mortgages, in 7 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $155,000. Of 174 decisions, 49 were denials — 28.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007ISPBRCRINID86 |
|---|---|
| Applications received | 206 |
| Mortgages made | 119 |
| Denied | 49 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3305 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 | 44 | 5.995% | $405,000 | 14.3% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Cash-out refinancing | 33 | 6.990% | $105,000 | 28.3% |
| Other purposes | 36 | 6.990% | $55,000 | 42.2% |
Where I-C Federal Credit Union lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Worcester County, MA | 106 | 6.500% | 27.9% |
| Middlesex County, MA | 11 | 6.750% | 29.4% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| Essex County, MA | 0 | Under 10 loans | 100.0% |
| Franklin County, MA | 0 | Under 10 loans | Not published |
| Norfolk County, MA | 0 | Under 10 loans | Not published |
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When I-C 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.