IDB Global 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%
94th0.9% deniedPricingmedian rate spread over APOR, weight 30%
95th-0.39 ptsProcesswithdrawn + incomplete share, weight 15%
90th1.7%Closing coststotal loan costs ÷ loan amount, weight 10%
78th1.21% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 102 | 102 | 0.0% | 0.0% | 5.38% | $52M |
| 2024 | 93 | 92 | 0.0% | 0.0% | 5.63% | $48M |
| 2025 | 118 | 115 | 0.9% | 0.9% | 5.63% | $66M |
What IDB Global 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, 18 investment properties.
Why IDB Global Federal Credit Union denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at IDB Global Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 49 | 48 | 0.0% |
| Over $250k | 49 | 47 | 2.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 49 | 48 | 0.0% |
| 45–54 | 37 | 35 | 2.8% |
Where IDB Global Federal Credit Union lends
6 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| District of Columbia | 38 | 37 | 0.0% | 5.63% | #89 |
| Maryland | 38 | 36 | 2.6% | 5.63% | #347 |
| Virginia | 37 | 37 | 0.0% | 5.50% | #417 |
Frequently asked questions
IDB Global Federal Credit Union denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 94th percentile of small mortgage lenders.
The most common reason IDB Global Federal Credit Union gave in 2025 was "insufficient cash", cited on 100.0% 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 IDB Global Federal Credit Union originated in 2025 was 5.63%, and its median rate spread over the average prime offer rate was -0.39 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 68% of its applications were for home purchases, 32% for refinancing (including cash-out), and 0% 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.