APCI Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
63rd7.0% deniedProcesswithdrawn + incomplete share, weight 15%
49th11.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 255 | 195 | 9.8% | 11.2% | — | $18M |
| 2024 | 214 | 174 | 9.4% | 10.1% | — | $24M |
| 2025 | 212 | 168 | 6.1% | 7.0% | — | $33M |
What APCI Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 3 investment properties.
Who gets approved at APCI Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 43 | 33 | 10.3% |
| $100k – $150k | 61 | 50 | 7.3% |
| $150k – $250k | 73 | 60 | 4.6% |
| Over $250k | 28 | 22 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 25 | 3.6% |
| 35–44 | 57 | 41 | 10.6% |
| 45–54 | 55 | 47 | 4.0% |
| 55–64 | 40 | 32 | 10.8% |
| 65–74 | 24 | 19 | 0.0% |
Where APCI Federal Credit Union lends
27 states and 80 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 136 | 116 | 3.7% | — | #336 |
| Texas | 12 | 6 | 25.0% | — | #936 |
| Florida | 8 | 7 | 0.0% | — | #991 |
| California | 7 | 4 | 0.0% | — | #771 |
| Louisiana | 7 | 4 | 14.3% | — | #407 |
| New Jersey | 5 | 4 | 0.0% | — | #602 |
Frequently asked questions
APCI Federal Credit Union denied 7.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 63rd percentile of small mortgage lenders.
In 2025, 3% of its applications were for home purchases, 46% for refinancing (including cash-out), and 51% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.