LIGHTHOUSE FEDERAL CREDIT UNION
LIGHTHOUSE FEDERAL CREDIT UNION received 1,973 applications in 2025 and made 1,031 mortgages, in 46 counties across 11 states. The median rate its borrowers got was 7.490% on a median loan of $105,000. Of 1,807 decisions, 656 were denials — 36.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930070JV4STJJ0XS74 |
|---|---|
| Applications received | 1,973 |
| Mortgages made | 1,031 |
| Denied | 656 |
| Approved, not taken up | 120 |
| Withdrawn or incomplete | 166 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.49 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 | 115 | 6.750% | $345,000 | 34.3% |
| Refinancing | 24 | 6.490% | $95,000 | 25.0% |
| Cash-out refinancing | 240 | 7.490% | $125,000 | 31.3% |
| Other purposes | 652 | 7.500% | $75,000 | 38.7% |
Where LIGHTHOUSE FEDERAL CREDIT UNION lends most
The 46 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| York County, ME | 246 | 7.500% | 31.1% |
| Strafford County, NH | 216 | 7.250% | 33.4% |
| Rockingham County, NH | 173 | 7.500% | 35.8% |
| Carroll County, NH | 70 | 7.250% | 48.0% |
| Grafton County, NH | 52 | 7.220% | 42.2% |
| Merrimack County, NH | 49 | 7.250% | 36.8% |
| Hillsborough County, NH | 44 | 7.500% | 34.2% |
| Cumberland County, ME | 39 | 7.250% | 34.9% |
| Coos County, NH | 38 | 7.063% | 35.8% |
| Belknap County, NH | 23 | 7.500% | 34.2% |
| Oxford County, ME | 21 | 7.190% | 37.8% |
| Essex County, MA | 9 | Under 10 loans | 33.3% |
| Sullivan County, NH | 8 | Under 10 loans | 55.0% |
| Windsor County, VT | 8 | Under 10 loans | 31.3% |
| Androscoggin County, ME | 5 | Under 10 loans | 50.0% |
| Kennebec County, ME | 3 | Under 10 loans | 66.7% |
| Worcester County, MA | 3 | Under 10 loans | 20.0% |
| Cheshire County, NH | 3 | Under 10 loans | 42.9% |
| Hancock County, ME | 2 | Under 10 loans | 0.0% |
| Knox County, ME | 2 | Under 10 loans | 33.3% |
| Sagadahoc County, ME | 2 | Under 10 loans | 0.0% |
| Somerset County, ME | 2 | Under 10 loans | 0.0% |
| Middlesex County, MA | 2 | Under 10 loans | 60.0% |
| Essex County, VT | 2 | Under 10 loans | 0.0% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Franklin County, ME | 1 | Under 10 loans | 83.3% |
| Lincoln County, ME | 1 | Under 10 loans | 50.0% |
| Penobscot County, ME | 1 | Under 10 loans | 0.0% |
| Waldo County, ME | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Caledonia County, VT | 1 | Under 10 loans | 0.0% |
| Orange County, VT | 1 | Under 10 loans | 66.7% |
| Washington County, VA | 1 | Under 10 loans | 0.0% |
| Anchorage Municipality, AK | 0 | Under 10 loans | 100.0% |
| Capitol Planning Region, CT | 0 | Under 10 loans | 100.0% |
| DuPage County, IL | 0 | Under 10 loans | 100.0% |
| Piscataquis County, ME | 0 | Under 10 loans | 0.0% |
| Washington County, ME | 0 | Under 10 loans | 100.0% |
| Berkshire County, MA | 0 | Under 10 loans | 0.0% |
| Suffolk County, MA | 0 | Under 10 loans | 0.0% |
| Sarpy County, NE | 0 | Under 10 loans | 100.0% |
| Buncombe County, NC | 0 | Under 10 loans | 100.0% |
| Craven County, NC | 0 | Under 10 loans | 100.0% |
| Iredell County, NC | 0 | Under 10 loans | Not published |
| Providence County, RI | 0 | Under 10 loans | 100.0% |
| Washington County, VT | 0 | Under 10 loans | 100.0% |
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When LIGHTHOUSE 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.