Municipal Credit Union received 3,157 applications in 2025 and made
1,203 mortgages, in 76 counties across 8 states.
The median rate its borrowers got was 6.500% on a median loan of $175,000.
Of 2,162 decisions, 871 were denials — 40.3%, most often for debt-to-income ratio.
255 of its applications carried no county and are counted here but on no county page.
Legal Entity Identifier
2549006T9J2DMLJVRS64
Applications received
3,157
Mortgages made
1,203
Denied
871
Approved, not taken up
88
Withdrawn or incomplete
995
Loans bought from other lenders
0
Median rate spread over the prime offer rate
-0.315 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
373
5.875%
$595,000
10.4%
Refinancing
93
5.990%
$505,000
22.3%
Cash-out refinancing
42
6.375%
$390,000
20.3%
Other purposes
695
6.875%
$105,000
51.2%
Where Municipal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When Municipal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are
not a lender, a broker or a lead generator: this is a notification about published data, not a sales call.
Privacy.
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.