MTC Federal Credit Union
MTC Federal Credit Union received 122 applications in 2025 and made 92 mortgages, in 28 counties across 10 states. The median rate its borrowers got was 7.063% on a median loan of $120,000. Of 105 decisions, 11 were denials — 10.5%, most often for credit history.
| Legal Entity Identifier | 549300WDLOVGUYVTS727 |
|---|---|
| Applications received | 122 |
| Mortgages made | 92 |
| Denied | 11 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.361 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 | 22 | 6.438% | $245,000 | 4.4% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Cash-out refinancing | 14 | 6.125% | $155,000 | 41.7% |
| Other purposes | 56 | 7.750% | $95,000 | 0.0% |
Where MTC Federal Credit Union lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greenville County, SC | 31 | 7.000% | 5.9% |
| Anderson County, SC | 13 | 7.000% | 7.1% |
| Spartanburg County, SC | 11 | 7.750% | 0.0% |
| Carter County, OK | 8 | Under 10 loans | 20.0% |
| Lexington County, SC | 5 | Under 10 loans | 0.0% |
| Pickens County, SC | 4 | Under 10 loans | 0.0% |
| Love County, OK | 3 | Under 10 loans | 25.0% |
| Saluda County, SC | 2 | Under 10 loans | 0.0% |
| Coffee County, AL | 1 | Under 10 loans | 0.0% |
| Dale County, AL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Newton County, GA | 1 | Under 10 loans | 0.0% |
| Richmond County, GA | 1 | Under 10 loans | 0.0% |
| Riley County, KS | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 0.0% |
| Cleveland County, OK | 1 | Under 10 loans | 0.0% |
| Abbeville County, SC | 1 | Under 10 loans | 0.0% |
| Laurens County, SC | 1 | Under 10 loans | 0.0% |
| Oconee County, SC | 1 | Under 10 loans | 0.0% |
| Orangeburg County, SC | 1 | Under 10 loans | 50.0% |
| Richland County, SC | 1 | Under 10 loans | 50.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 0.0% |
| Geneva County, AL | 0 | Under 10 loans | Not published |
| Franklin County, GA | 0 | Under 10 loans | 100.0% |
| Jefferson County, KY | 0 | Under 10 loans | 100.0% |
| Stanly County, NC | 0 | Under 10 loans | 100.0% |
| Rock County, WI | 0 | Under 10 loans | Not published |
Get told when this changes
When MTC Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.