The People's Federal Credit Union
The People's Federal Credit Union received 35 applications in 2025 and made 23 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $55,000. Of 31 decisions, 8 were denials — 25.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900WJGWD3H4OFK051 |
|---|---|
| Applications received | 35 |
| Mortgages made | 23 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.1 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 | 0 | Under 10 loans | Under 10 loans | Not published |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Other purposes | 15 | 6.500% | $55,000 | 16.7% |
Where The People's Federal Credit Union lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Randall County, TX | 14 | 7.500% | 17.7% |
| Childress County, TX | 3 | Under 10 loans | 25.0% |
| Carson County, TX | 2 | Under 10 loans | 0.0% |
| Potter County, TX | 2 | Under 10 loans | 50.0% |
| Donley County, TX | 1 | Under 10 loans | 0.0% |
| Hall County, TX | 1 | Under 10 loans | 0.0% |
| Cottle County, TX | 0 | Under 10 loans | 100.0% |
| Gray County, TX | 0 | Under 10 loans | Not published |
| Hale County, TX | 0 | Under 10 loans | 100.0% |
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When The People's 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.