XCEL FEDERAL CREDIT UNION
XCEL FEDERAL CREDIT UNION received 73 applications in 2025 and made 50 mortgages, in 27 counties across 6 states. The median rate its borrowers got was 7.990% on a median loan of $80,000. Of 71 decisions, 19 were denials — 26.8%, most often for other.
| Legal Entity Identifier | 5493001850NMVU84ZW56 |
|---|---|
| Applications received | 73 |
| Mortgages made | 50 |
| Denied | 19 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.965 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 |
|---|---|---|---|---|
| Other purposes | 50 | 7.990% | $80,000 | 26.8% |
Where XCEL FEDERAL CREDIT UNION lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Essex County, NJ | 7 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 7 | Under 10 loans | 30.0% |
| Monmouth County, NJ | 4 | Under 10 loans | 0.0% |
| Hudson County, NJ | 3 | Under 10 loans | 55.6% |
| Somerset County, NJ | 3 | Under 10 loans | 0.0% |
| Union County, NJ | 3 | Under 10 loans | 25.0% |
| Bronx County, NY | 3 | Under 10 loans | 25.0% |
| Suffolk County, NY | 3 | Under 10 loans | 25.0% |
| Morris County, NJ | 2 | Under 10 loans | 0.0% |
| Nassau County, NY | 2 | Under 10 loans | 0.0% |
| Westchester County, NY | 2 | Under 10 loans | 0.0% |
| Levy County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 1 | Under 10 loans | 0.0% |
| Bergen County, NJ | 1 | Under 10 loans | 75.0% |
| Burlington County, NJ | 1 | Under 10 loans | 0.0% |
| Ocean County, NJ | 1 | Under 10 loans | 0.0% |
| Sussex County, NJ | 1 | Under 10 loans | 0.0% |
| Kings County, NY | 1 | Under 10 loans | 0.0% |
| Queens County, NY | 1 | Under 10 loans | 0.0% |
| Richmond County, NY | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 0 | Under 10 loans | 100.0% |
| Pasco County, FL | 0 | Under 10 loans | 100.0% |
| Polk County, FL | 0 | Under 10 loans | 100.0% |
| Anne Arundel County, MD | 0 | Under 10 loans | 100.0% |
| Bexar County, TX | 0 | Under 10 loans | 100.0% |
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When XCEL 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.