Mountain America Federal Credit Union received 21,683 applications in 2025 and made
9,830 mortgages, in 252 counties across 18 states.
The median rate its borrowers got was 7.240% on a median loan of $125,000.
Of 18,172 decisions, 8,184 were denials — 45.0%, most often for debt-to-income ratio.
Legal Entity Identifier
5493006S869XKIESMV41
Applications received
21,683
Mortgages made
9,830
Denied
8,184
Approved, not taken up
158
Withdrawn or incomplete
3,511
Loans bought from other lenders
2
Median rate spread over the prime offer rate
0.79 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
1,771
6.490%
$365,000
26.1%
Refinancing
3,148
7.500%
$125,000
46.2%
Cash-out refinancing
725
7.375%
$185,000
40.1%
Other purposes
4,186
7.740%
$75,000
50.3%
Where Mountain America Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When Mountain America 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.