Cross Valley 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 A 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% deniedPricingmedian rate spread over APOR, weight 30%
81st0.00 ptsProcesswithdrawn + incomplete share, weight 15%
90th1.7%Closing coststotal loan costs ÷ loan amount, weight 10%
82nd1.07% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 85 | 62 | 22.4% | 23.2% | 6.24% | $4.7M |
| 2024 | 115 | 106 | 6.1% | 6.2% | 7.24% | $9.4M |
| 2025 | 175 | 160 | 6.9% | 7.0% | 6.00% | $19M |
What Cross Valley 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: 18 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 0 investment properties.
Why Cross Valley Federal Credit Union denies applications
Primary reason reported for each of the 12 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cross Valley 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 | 22 | 18 | 18.2% |
| $50k – $100k | 63 | 55 | 9.8% |
| $100k – $150k | 47 | 45 | 4.3% |
| $150k – $250k | 35 | 34 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 20 | 9.1% |
| 35–44 | 32 | 32 | 0.0% |
| 45–54 | 54 | 48 | 9.4% |
| 55–64 | 40 | 36 | 7.7% |
| 65–74 | 21 | 20 | 0.0% |
Where Cross Valley Federal Credit Union lends
1 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 175 | 160 | 6.9% | 6.00% | #298 |
Frequently asked questions
Cross Valley 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.
The most common reason Cross Valley Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 50.0% 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 Cross Valley Federal Credit Union originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 13% of its applications were for home purchases, 25% for refinancing (including cash-out), and 62% 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.