The People's Credit Union
The People's Credit Union received 346 applications in 2025 and made 213 mortgages, in 42 counties across 6 states. The median rate its borrowers got was 6.875% on a median loan of $145,000. Of 279 decisions, 61 were denials — 21.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900OVHD0ZZK65EQ86 |
|---|---|
| Applications received | 346 |
| Mortgages made | 213 |
| Denied | 61 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 67 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.688 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% | $325,000 | 12.1% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 40 | 7.000% | $150,000 | 30.5% |
| Other purposes | 52 | 6.870% | $55,000 | 32.1% |
Where The People's Credit Union lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Newport County, RI | 45 | 6.750% | 29.8% |
| Providence County, RI | 39 | 6.500% | 18.4% |
| Washington County, RI | 25 | 6.750% | 16.7% |
| Bristol County, RI | 19 | 6.750% | 26.9% |
| Kent County, RI | 19 | 6.750% | 25.9% |
| Bristol County, MA | 9 | Under 10 loans | 18.2% |
| Saratoga County, NY | 8 | Under 10 loans | 11.1% |
| Dutchess County, NY | 5 | Under 10 loans | 0.0% |
| Oneida County, NY | 5 | Under 10 loans | 28.6% |
| Essex County, MA | 3 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 3 | Under 10 loans | 0.0% |
| Sullivan County, NY | 3 | Under 10 loans | 0.0% |
| Ulster County, NY | 3 | Under 10 loans | 0.0% |
| Middlesex County, MA | 2 | Under 10 loans | 0.0% |
| Worcester County, MA | 2 | Under 10 loans | 0.0% |
| Rensselaer County, NY | 2 | Under 10 loans | 33.3% |
| Greater Bridgeport Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 50.0% |
| Kent County, DE | 1 | Under 10 loans | 0.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Plymouth County, MA | 1 | Under 10 loans | 50.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 50.0% |
| Ocean County, NJ | 1 | Under 10 loans | 0.0% |
| Salem County, NJ | 1 | Under 10 loans | 0.0% |
| Warren County, NJ | 1 | Under 10 loans | 0.0% |
| Albany County, NY | 1 | Under 10 loans | 0.0% |
| Chemung County, NY | 1 | Under 10 loans | 0.0% |
| Erie County, NY | 1 | Under 10 loans | 0.0% |
| Onondaga County, NY | 1 | Under 10 loans | 0.0% |
| Ontario County, NY | 1 | Under 10 loans | 0.0% |
| Orange County, NY | 1 | Under 10 loans | 0.0% |
| Oswego County, NY | 1 | Under 10 loans | 0.0% |
| Otsego County, NY | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Tioga County, NY | 1 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Northeastern Connecticut Planning Region, CT | 0 | Under 10 loans | 50.0% |
| Suffolk County, MA | 0 | Under 10 loans | Not published |
| Burlington County, NJ | 0 | Under 10 loans | 100.0% |
| Cumberland County, NJ | 0 | Under 10 loans | 100.0% |
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When The People's 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.