Mountain Credit Union
Mountain Credit Union received 53 applications in 2025 and made 34 mortgages, in 10 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $215,000. Of 42 decisions, 8 were denials — 19.1%. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300DN6A0I2MKQYG08 |
|---|---|
| Applications received | 53 |
| Mortgages made | 34 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 20 | Not published | $230,000 | 0.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 46.7% |
Where Mountain Credit Union lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Haywood County, NC | 10 | Not published | 16.7% |
| Macon County, NC | 10 | Not published | 23.1% |
| Buncombe County, NC | 4 | Under 10 loans | 0.0% |
| Cherokee County, NC | 3 | Under 10 loans | 25.0% |
| Henderson County, NC | 2 | Under 10 loans | 0.0% |
| Swain County, NC | 2 | Under 10 loans | 0.0% |
| Catawba County, NC | 1 | Under 10 loans | 0.0% |
| Jackson County, NC | 1 | Under 10 loans | 66.7% |
| Transylvania County, NC | 1 | Under 10 loans | 0.0% |
| Polk County, NC | 0 | Under 10 loans | Not published |
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When Mountain 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.