McCoy Federal Credit Union
McCoy Federal Credit Union received 344 applications in 2025 and made 106 mortgages, in 11 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $85,000. Of 244 decisions, 119 were denials — 48.8%.
| Legal Entity Identifier | 2549005T4NUXGTZTUE50 |
|---|---|
| Applications received | 344 |
| Mortgages made | 106 |
| Denied | 119 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 100 |
| 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 |
|---|---|---|---|---|
| Home purchase | 7 | Under 10 loans | Under 10 loans | 35.0% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Cash-out refinancing | 19 | Not published | $95,000 | 32.3% |
| Other purposes | 77 | Not published | $75,000 | 52.4% |
Where McCoy Federal Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orange County, FL | 71 | Not published | 45.5% |
| Osceola County, FL | 15 | Not published | 63.0% |
| Seminole County, FL | 9 | Under 10 loans | 40.0% |
| Lake County, FL | 8 | Under 10 loans | 47.1% |
| Volusia County, FL | 2 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 57.1% |
| Brevard County, FL | 0 | Under 10 loans | Not published |
| Flagler County, FL | 0 | Under 10 loans | 100.0% |
| Hillsborough County, FL | 0 | Under 10 loans | 0.0% |
| Pinellas County, FL | 0 | Under 10 loans | 100.0% |
| St. Lucie County, FL | 0 | Under 10 loans | Not published |
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When McCoy 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.