SPECTRA CREDIT UNION
SPECTRA CREDIT UNION received 190 applications in 2025 and made 109 mortgages, in 67 counties across 24 states. The median rate its borrowers got was 8.000% on a median loan of $105,000. Of 164 decisions, 49 were denials — 29.9%, most often for debt-to-income ratio. 8 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300PPKM4YL2GY3713 |
|---|---|
| Applications received | 190 |
| Mortgages made | 109 |
| Denied | 49 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.82 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 | 7.500% | $255,000 | 18.2% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cash-out refinancing | 22 | 8.000% | $195,000 | 34.3% |
| Other purposes | 72 | 8.000% | $105,000 | 30.2% |
Where SPECTRA CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Prince George's County, MD | 11 | 7.500% | 50.0% |
| Anne Arundel County, MD | 7 | Under 10 loans | 27.3% |
| Charles County, MD | 7 | Under 10 loans | 55.6% |
| District of Columbia, DC | 6 | Under 10 loans | 14.3% |
| Fairfax County, VA | 5 | Under 10 loans | 50.0% |
| Loudoun County, VA | 5 | Under 10 loans | 14.3% |
| Prince William County, VA | 5 | Under 10 loans | 40.0% |
| Howard County, MD | 4 | Under 10 loans | 0.0% |
| Montgomery County, MD | 4 | Under 10 loans | 0.0% |
| Baltimore County, MD | 3 | Under 10 loans | 0.0% |
| St. Mary's County, MD | 3 | Under 10 loans | 25.0% |
| Fauquier County, VA | 3 | Under 10 loans | 0.0% |
| Duval County, FL | 2 | Under 10 loans | 0.0% |
| Calvert County, MD | 2 | Under 10 loans | 33.3% |
| Baltimore city, MD | 2 | Under 10 loans | 0.0% |
| Horry County, SC | 2 | Under 10 loans | 0.0% |
| King George County, VA | 2 | Under 10 loans | 0.0% |
| Alexandria city, VA | 2 | Under 10 loans | 0.0% |
| Jefferson County, WV | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Clarke County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Campbell County, KY | 1 | Under 10 loans | 0.0% |
| Frederick County, MD | 1 | Under 10 loans | 0.0% |
| Middlesex County, MA | 1 | Under 10 loans | 0.0% |
| Jasper County, MO | 1 | Under 10 loans | 0.0% |
| Burlington County, NJ | 1 | Under 10 loans | 0.0% |
| Ulster County, NY | 1 | Under 10 loans | 0.0% |
| Westchester County, NY | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Buncombe County, NC | 1 | Under 10 loans | 0.0% |
| Nash County, NC | 1 | Under 10 loans | 0.0% |
| Butler County, OH | 1 | Under 10 loans | 0.0% |
| Montgomery County, OH | 1 | Under 10 loans | 50.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| Washington County, OR | 1 | Under 10 loans | 0.0% |
| Erie County, PA | 1 | Under 10 loans | 0.0% |
| Lancaster County, PA | 1 | Under 10 loans | 0.0% |
| Albemarle County, VA | 1 | Under 10 loans | 0.0% |
| Arlington County, VA | 1 | Under 10 loans | 50.0% |
| Augusta County, VA | 1 | Under 10 loans | 0.0% |
| James City County, VA | 1 | Under 10 loans | 0.0% |
| Montgomery County, VA | 1 | Under 10 loans | 0.0% |
| Stafford County, VA | 1 | Under 10 loans | 50.0% |
| Warren County, VA | 1 | Under 10 loans | 0.0% |
| Staunton city, VA | 1 | Under 10 loans | 0.0% |
| Skagit County, WA | 1 | Under 10 loans | 0.0% |
| Mineral County, WV | 1 | Under 10 loans | 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.