METRO CU
METRO CU received 1,164 applications in 2025 and made 677 mortgages, in 29 counties across 6 states. The median rate its borrowers got was 5.750% on a median loan of $75,000. Of 1,046 decisions, 297 were denials — 28.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930015EUQKUCIRBQ14 |
|---|---|
| Applications received | 1,164 |
| Mortgages made | 677 |
| Denied | 297 |
| Approved, not taken up | 72 |
| Withdrawn or incomplete | 118 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.619 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 | 54 | 5.125% | $235,000 | 9.7% |
| Refinancing | 34 | 4.875% | $290,000 | 16.7% |
| Cash-out refinancing | 52 | 5.500% | $105,000 | 15.4% |
| Other purposes | 537 | 6.000% | $65,000 | 31.2% |
Where METRO CU lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Douglas County, NE | 459 | 5.750% | 29.5% |
| Sarpy County, NE | 129 | 5.750% | 23.3% |
| Pottawattamie County, IA | 31 | 6.000% | 22.7% |
| Saunders County, NE | 11 | 5.250% | 15.4% |
| Washington County, NE | 11 | 6.000% | 20.0% |
| Cass County, NE | 10 | 5.875% | 20.0% |
| Lancaster County, NE | 7 | Under 10 loans | 33.3% |
| Mills County, IA | 4 | Under 10 loans | 16.7% |
| Harrison County, IA | 2 | Under 10 loans | 66.7% |
| Montgomery County, IA | 2 | Under 10 loans | 33.3% |
| Dodge County, NE | 2 | Under 10 loans | 60.0% |
| Cass County, IA | 1 | Under 10 loans | 0.0% |
| Fremont County, IA | 1 | Under 10 loans | 0.0% |
| Shelby County, IA | 1 | Under 10 loans | 0.0% |
| Douglas County, MN | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 0.0% |
| Buffalo County, NE | 1 | Under 10 loans | 0.0% |
| Burt County, NE | 1 | Under 10 loans | 50.0% |
| Cuming County, NE | 1 | Under 10 loans | 0.0% |
| Platte County, NE | 1 | Under 10 loans | 0.0% |
| Adair County, IA | 0 | Under 10 loans | 100.0% |
| Jones County, IA | 0 | Under 10 loans | 100.0% |
| Monona County, IA | 0 | Under 10 loans | 100.0% |
| Mitchell County, KS | 0 | Under 10 loans | 100.0% |
| York County, ME | 0 | Under 10 loans | 100.0% |
| Dawson County, NE | 0 | Under 10 loans | 100.0% |
| Otoe County, NE | 0 | Under 10 loans | 100.0% |
| Pawnee County, NE | 0 | Under 10 loans | Not published |
| Parker County, TX | 0 | Under 10 loans | 100.0% |
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When METRO CU’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.