G.P.O. 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
10th40.4% deniedPricingmedian rate spread over APOR, weight 30%
70th-0.22 ptsProcesswithdrawn + incomplete share, weight 15%
95th2.3%Closing coststotal loan costs ÷ loan amount, weight 10%
31st3.87% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 409 | 289 | 24.5% | 24.9% | 6.13% | $27M |
| 2024 | 401 | 275 | 25.9% | 27.1% | 4.75% | $28M |
| 2025 | 560 | 318 | 39.5% | 40.4% | 4.99% | $41M |
What G.P.O. 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: 459 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 17 investment properties.
Why G.P.O. Federal Credit Union denies applications
Primary reason reported for each of the 221 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at G.P.O. 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 | 106 | 41 | 59.6% |
| $50k – $100k | 246 | 149 | 35.3% |
| $100k – $150k | 130 | 75 | 41.1% |
| $150k – $250k | 66 | 46 | 26.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 102 | 61 | 35.1% |
| 35–44 | 145 | 63 | 53.9% |
| 45–54 | 107 | 55 | 45.6% |
| 55–64 | 91 | 60 | 33.3% |
| 65–74 | 80 | 58 | 24.1% |
Where G.P.O. Federal Credit Union lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 560 | 318 | 39.5% | 4.99% | #124 |
Frequently asked questions
G.P.O. Federal Credit Union denied 40.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of home-equity (HELOC) lenders.
The most common reason G.P.O. Federal Credit Union gave in 2025 was "incomplete application", cited on 38.0% 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 G.P.O. Federal Credit Union originated in 2025 was 4.99%, and its median rate spread over the average prime offer rate was -0.22 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 28% of its applications were for home purchases, 4% for refinancing (including cash-out), and 68% 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.