Lebanon 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%
41st12.0% deniedProcesswithdrawn + incomplete share, weight 15%
81st4.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 397 | 340 | 9.8% | 10.3% | 6.75% | $43M |
| 2024 | 376 | 308 | 11.4% | 12.1% | 6.75% | $41M |
| 2025 | 393 | 326 | 11.5% | 12.0% | — | $43M |
What Lebanon 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, 3 manufactured homes, 64 investment properties.
Who gets approved at Lebanon 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 | 56 | 36 | 29.6% |
| $50k – $100k | 137 | 102 | 18.8% |
| $100k – $150k | 86 | 77 | 4.9% |
| $150k – $250k | 43 | 42 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 37 | 9.8% |
| 35–44 | 78 | 63 | 14.9% |
| 45–54 | 87 | 73 | 10.8% |
| 55–64 | 66 | 49 | 18.3% |
| 65–74 | 50 | 39 | 14.3% |
Where Lebanon Federal Credit Union lends
6 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 385 | 319 | 11.7% | — | #197 |
Frequently asked questions
Lebanon Federal Credit Union denied 12.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 41st percentile of small mortgage lenders.
In 2025, 20% of its applications were for home purchases, 44% for refinancing (including cash-out), and 36% 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.