PARDA Federal Credit Union
PARDA Federal Credit Union received 93 applications in 2025 and made 54 mortgages, in 27 counties across 9 states. The median rate its borrowers got was 7.313% on a median loan of $65,000. Of 70 decisions, 14 were denials — 20.0%, most often for credit history.
| Legal Entity Identifier | 549300L6BONVKN6UXC26 |
|---|---|
| Applications received | 93 |
| Mortgages made | 54 |
| Denied | 14 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 1.322 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 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 38 | 7.500% | $55,000 | 22.0% |
Where PARDA Federal Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ottawa County, MI | 11 | 7.000% | 15.4% |
| Greenwood County, SC | 10 | 7.625% | 8.3% |
| Washtenaw County, MI | 6 | Under 10 loans | 33.3% |
| Allegan County, MI | 4 | Under 10 loans | 16.7% |
| Wayne County, MI | 4 | Under 10 loans | 20.0% |
| Oakland County, MI | 3 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Sussex County, NJ | 2 | Under 10 loans | 0.0% |
| Lancaster County, PA | 2 | Under 10 loans | 0.0% |
| Bryan County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 50.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 0.0% |
| Van Buren County, MI | 1 | Under 10 loans | 0.0% |
| Morris County, NJ | 1 | Under 10 loans | 50.0% |
| Warren County, NJ | 1 | Under 10 loans | 0.0% |
| Laurens County, SC | 1 | Under 10 loans | 0.0% |
| Yuma County, AZ | 0 | Under 10 loans | Not published |
| Lonoke County, AR | 0 | Under 10 loans | Not published |
| Macomb County, MI | 0 | Under 10 loans | 100.0% |
| Monroe County, MI | 0 | Under 10 loans | 100.0% |
| Lucas County, OH | 0 | Under 10 loans | 100.0% |
| York County, PA | 0 | Under 10 loans | Not published |
| Abbeville County, SC | 0 | Under 10 loans | Not published |
| McCormick County, SC | 0 | Under 10 loans | Not published |
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When PARDA 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.