CINFED 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 C 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%
32nd14.6% deniedPricingmedian rate spread over APOR, weight 30%
76th0.06 ptsProcesswithdrawn + incomplete share, weight 15%
6th28.7%Closing coststotal loan costs ÷ loan amount, weight 10%
85th1.02% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 635 | 400 | 17.8% | 21.8% | 7.50% | $64M |
| 2024 | 661 | 390 | 8.5% | 12.2% | 7.75% | $88M |
| 2025 | 854 | 502 | 10.4% | 14.6% | 7.00% | $132M |
What CINFED 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: 386 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 102 investment properties.
Why CINFED Federal Credit Union denies applications
Primary reason reported for each of the 89 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CINFED Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 112 | 39 | 41.7% |
| $50k – $100k | 271 | 148 | 18.1% |
| $100k – $150k | 150 | 92 | 11.9% |
| $150k – $250k | 145 | 106 | 6.0% |
| Over $250k | 106 | 65 | 4.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 4 | 20.0% |
| 25–34 | 126 | 58 | 10.5% |
| 35–44 | 184 | 112 | 10.3% |
| 45–54 | 146 | 81 | 16.5% |
| 55–64 | 172 | 101 | 21.1% |
| 65–74 | 119 | 77 | 17.5% |
| Over 74 | 42 | 25 | 17.7% |
Where CINFED Federal Credit Union lends
7 states and 28 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
CINFED Federal Credit Union denied 14.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 32nd percentile of small mortgage lenders.
The most common reason CINFED Federal Credit Union gave in 2025 was "other", cited on 42.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans CINFED Federal Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 37% of its applications were for home purchases, 21% for refinancing (including cash-out), and 42% 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.