Cedar Point Federal Credit Union
Cedar Point Federal Credit Union received 189 applications in 2025 and made 139 mortgages, in 0 counties across 2 states. The median rate its borrowers got was 8.250% on a median loan of $125,000. Of 153 decisions, 11 were denials — 7.2%, most often for debt-to-income ratio. 189 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900SEH2UUXVW21S97 |
|---|---|
| Applications received | 189 |
| Mortgages made | 139 |
| Denied | 11 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 36 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.508 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 | 15 | 6.375% | $355,000 | 0.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 102 | 8.438% | $105,000 | 8.8% |
| Other purposes | 16 | 8.438% | $95,000 | 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.