UTILITIES EMPLOYEES CREDIT UNION
UTILITIES EMPLOYEES CREDIT UNION received 1,013 applications in 2025 and made 671 mortgages, in 74 counties across 26 states. The median rate its borrowers got was 6.740% on a median loan of $95,000. Of 826 decisions, 142 were denials — 17.2%, most often for credit history. 742 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300AX5UMUZ61L1X54 |
|---|---|
| Applications received | 1,013 |
| Mortgages made | 671 |
| Denied | 142 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 187 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.42 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 | 104 | 6.375% | $275,000 | 11.7% |
| Refinancing | 40 | 6.750% | $145,000 | 16.3% |
| Cash-out refinancing | 44 | 6.740% | $115,000 | 12.0% |
| Other purposes | 483 | 6.740% | $65,000 | 18.8% |
Where UTILITIES EMPLOYEES CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Berks County, PA | 120 | 6.990% | 12.8% |
| Monroe County, PA | 7 | Under 10 loans | 36.4% |
| Monmouth County, NJ | 3 | Under 10 loans | 0.0% |
| Ocean County, NJ | 3 | Under 10 loans | 0.0% |
| Dutchess County, NY | 3 | Under 10 loans | 0.0% |
| Lancaster County, PA | 3 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 3 | Under 10 loans | 25.0% |
| Morris County, NJ | 2 | Under 10 loans | 0.0% |
| Cambria County, PA | 2 | Under 10 loans | 0.0% |
| Montgomery County, PA | 2 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Howard County, MD | 1 | Under 10 loans | 0.0% |
| Kent County, MD | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Burlington County, NJ | 1 | Under 10 loans | 0.0% |
| Hudson County, NJ | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
| Passaic County, NJ | 1 | Under 10 loans | 0.0% |
| Sussex County, NJ | 1 | Under 10 loans | 0.0% |
| Chemung County, NY | 1 | Under 10 loans | 0.0% |
| Columbia 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% |
| Sullivan County, NY | 1 | Under 10 loans | 0.0% |
| Westchester County, NY | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Rockingham County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Beaver County, PA | 1 | Under 10 loans | 0.0% |
| Chester County, PA | 1 | Under 10 loans | 0.0% |
| Clearfield County, PA | 1 | Under 10 loans | 0.0% |
| Dauphin County, PA | 1 | Under 10 loans | 0.0% |
| Delaware County, PA | 1 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 1 | Under 10 loans | 0.0% |
| Indiana County, PA | 1 | Under 10 loans | 0.0% |
| Lebanon County, PA | 1 | Under 10 loans | 0.0% |
| Lehigh County, PA | 1 | Under 10 loans | 0.0% |
| Luzerne County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 0.0% |
| Tioga County, PA | 1 | Under 10 loans | 0.0% |
| Venango County, PA | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Jasper County, SC | 1 | Under 10 loans | 0.0% |
| Lexington County, SC | 1 | Under 10 loans | 0.0% |
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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.