MC 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%
34th13.8% deniedProcesswithdrawn + incomplete share, weight 15%
61st9.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 182 | 150 | 4.4% | 5.0% | — | $15M |
| 2024 | 161 | 136 | 8.7% | 9.3% | — | $14M |
| 2025 | 160 | 124 | 12.5% | 13.8% | — | $16M |
What MC 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, 2 manufactured homes, 42 investment properties.
Who gets approved at MC 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 | 32 | 19 | 32.1% |
| $50k – $100k | 55 | 38 | 19.2% |
| $100k – $150k | 23 | 20 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 21 | 18 | 10.0% |
| 45–54 | 29 | 19 | 20.8% |
| 55–64 | 26 | 18 | 21.7% |
Where MC Federal Credit Union lends
4 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 | 157 | 122 | 12.1% | — | #315 |
Frequently asked questions
MC Federal Credit Union denied 13.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 34th percentile of small mortgage lenders.
In 2025, 24% of its applications were for home purchases, 27% for refinancing (including cash-out), and 49% 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.