Widget Federal Credit Union
Widget Federal Credit Union received 308 applications in 2025 and made 135 mortgages, in 5 counties across 2 states. The median rate its borrowers got was 6.500% on a median loan of $95,000. Of 267 decisions, 131 were denials — 49.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549008YEXLNFKLF7548 |
|---|---|
| Applications received | 308 |
| Mortgages made | 135 |
| Denied | 131 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 41 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.204 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 | 57 | 6.250% | $165,000 | 6.5% |
| Refinancing | 13 | 6.240% | $85,000 | 38.1% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 63 | 7.490% | $35,000 | 65.0% |
Where Widget Federal Credit Union lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Erie County, PA | 128 | 6.500% | 49.0% |
| Crawford County, PA | 6 | Under 10 loans | 45.5% |
| Mercer County, PA | 1 | Under 10 loans | 0.0% |
| Ashtabula County, OH | 0 | Under 10 loans | 100.0% |
| Monroe County, PA | 0 | Under 10 loans | 100.0% |
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When Widget 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.