CFCU COMMUNITY Credit Union
CFCU COMMUNITY Credit Union received 479 applications in 2025 and made 379 mortgages, in 20 counties across 2 states. The median rate its borrowers got was 6.000% on a median loan of $175,000. Of 459 decisions, 62 were denials — 13.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZZIAVB1U6Z4S78 |
|---|---|
| Applications received | 479 |
| Mortgages made | 379 |
| Denied | 62 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.378 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 | 220 | 5.875% | $245,000 | 4.7% |
| Refinancing | 17 | 6.500% | $155,000 | 22.7% |
| Cash-out refinancing | 23 | 6.125% | $125,000 | 11.1% |
| Other purposes | 119 | 6.490% | $55,000 | 24.2% |
Where CFCU COMMUNITY Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tompkins County, NY | 205 | 5.990% | 11.9% |
| Cortland County, NY | 70 | 6.250% | 10.8% |
| Onondaga County, NY | 34 | 6.063% | 14.6% |
| Cayuga County, NY | 11 | 6.125% | 7.7% |
| Seneca County, NY | 11 | 6.250% | 15.4% |
| Schuyler County, NY | 9 | Under 10 loans | 18.2% |
| Tioga County, NY | 9 | Under 10 loans | 23.1% |
| Madison County, NY | 7 | Under 10 loans | 20.0% |
| Broome County, NY | 6 | Under 10 loans | 14.3% |
| Chemung County, NY | 5 | Under 10 loans | 16.7% |
| Ontario County, NY | 3 | Under 10 loans | 0.0% |
| Erie County, NY | 2 | Under 10 loans | 33.3% |
| Monroe County, NY | 2 | Under 10 loans | 0.0% |
| Oswego County, NY | 2 | Under 10 loans | 33.3% |
| Chenango County, NY | 1 | Under 10 loans | 50.0% |
| Wayne County, NY | 1 | Under 10 loans | 50.0% |
| Yates County, NY | 1 | Under 10 loans | 0.0% |
| Genesee County, NY | 0 | Under 10 loans | 100.0% |
| Otsego County, NY | 0 | Under 10 loans | Not published |
| Mecklenburg County, NC | 0 | Under 10 loans | 100.0% |
Get told when this changes
When CFCU COMMUNITY 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.