Island Federal Credit Union
Island Federal Credit Union received 1,003 applications in 2025 and made 538 mortgages, in 36 counties across 11 states. The median rate its borrowers got was 7.100% on a median loan of $155,000. Of 816 decisions, 257 were denials — 31.5%, most often for debt-to-income ratio. 9 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900C44LTMSEGQ5K05 |
|---|---|
| Applications received | 1,003 |
| Mortgages made | 538 |
| Denied | 257 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 187 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.71 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 | 56 | 6.375% | $355,000 | 26.3% |
| Refinancing | 172 | 7.100% | $205,000 | 17.3% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 304 | 7.300% | $105,000 | 38.0% |
Where Island Federal Credit Union lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Suffolk County, NY | 376 | 7.100% | 28.8% |
| Nassau County, NY | 146 | 6.090% | 27.5% |
| Queens County, NY | 4 | Under 10 loans | 70.6% |
| Herkimer County, NY | 2 | Under 10 loans | 0.0% |
| Kings County, NY | 2 | Under 10 loans | 70.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Hudson County, NJ | 1 | Under 10 loans | 0.0% |
| Somerset County, NJ | 1 | Under 10 loans | 0.0% |
| Dutchess County, NY | 1 | Under 10 loans | 50.0% |
| Richmond County, NY | 1 | Under 10 loans | 0.0% |
| Pitt County, NC | 1 | Under 10 loans | 0.0% |
| Loudoun County, VA | 1 | Under 10 loans | 0.0% |
| Greater Bridgeport Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Western Connecticut Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Broward County, FL | 0 | Under 10 loans | 100.0% |
| Hernando County, FL | 0 | Under 10 loans | Not published |
| Miami-Dade County, FL | 0 | Under 10 loans | Not published |
| Orange County, FL | 0 | Under 10 loans | 100.0% |
| Gwinnett County, GA | 0 | Under 10 loans | Not published |
| Essex County, NJ | 0 | Under 10 loans | 100.0% |
| Gloucester County, NJ | 0 | Under 10 loans | 100.0% |
| Monmouth County, NJ | 0 | Under 10 loans | Not published |
| Bronx County, NY | 0 | Under 10 loans | 100.0% |
| Broome County, NY | 0 | Under 10 loans | Not published |
| Chautauqua County, NY | 0 | Under 10 loans | 100.0% |
| New York County, NY | 0 | Under 10 loans | 100.0% |
| Putnam County, NY | 0 | Under 10 loans | 100.0% |
| Steuben County, NY | 0 | Under 10 loans | Not published |
| Ulster County, NY | 0 | Under 10 loans | 100.0% |
| Westchester County, NY | 0 | Under 10 loans | 100.0% |
| Guilford County, NC | 0 | Under 10 loans | 100.0% |
| Johnston County, NC | 0 | Under 10 loans | 100.0% |
| Hamilton County, OH | 0 | Under 10 loans | 100.0% |
| San Juan County, WA | 0 | Under 10 loans | 100.0% |
| Kanawha County, WV | 0 | Under 10 loans | 100.0% |
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When Island 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.