UNITED FEDERAL CREDIT UNION received 5,344 applications in 2025 and made
3,216 mortgages, in 351 counties across 37 states.
The median rate its borrowers got was 7.050% on a median loan of $145,000.
Of 4,665 decisions, 1,284 were denials — 27.5%, most often for credit history.
20 of its applications carried no county and are counted here but on no county page.
Legal Entity Identifier
549300PKEQ3Q9S0IXW76
Applications received
5,344
Mortgages made
3,216
Denied
1,284
Approved, not taken up
165
Withdrawn or incomplete
679
Loans bought from other lenders
0
Median rate spread over the prime offer rate
0.474 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
1,229
6.500%
$275,000
5.7%
Refinancing
445
7.050%
$105,000
20.8%
Cash-out refinancing
268
6.490%
$215,000
11.5%
Other purposes
1,274
7.750%
$65,000
42.6%
Where UNITED FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When UNITED 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.