Ingersoll-Rand Federal Credit Union
Ingersoll-Rand Federal Credit Union received 77 applications in 2025 and made 58 mortgages, in 5 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $65,000. Of 69 decisions, 10 were denials — 14.5%, most often for debt-to-income ratio. 11 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 984500T0AY1EOD7AFB91 |
|---|---|
| Applications received | 77 |
| Mortgages made | 58 |
| Denied | 10 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 8 |
| 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 |
|---|---|---|---|---|
| Refinancing | 11 | Not published | $65,000 | 15.4% |
| Cash-out refinancing | 33 | Not published | $85,000 | 17.5% |
| Other purposes | 14 | Not published | $45,000 | 6.3% |
Where Ingersoll-Rand Federal Credit Union lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bradford County, PA | 37 | Not published | 7.3% |
| Tioga County, NY | 15 | Not published | 6.3% |
| Chemung County, NY | 4 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Susquehanna County, PA | 1 | Under 10 loans | 0.0% |
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When Ingersoll-Rand 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.