Mon Valley Community 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%
73rd5.1% deniedProcesswithdrawn + incomplete share, weight 15%
86th2.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 84 | 73 | 7.1% | 7.6% | — | $4.9M |
| 2024 | 104 | 89 | 9.6% | 10.1% | — | $8.1M |
| 2025 | 142 | 131 | 4.9% | 5.1% | — | $14M |
What Mon Valley Community 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, 31 investment properties.
Who gets approved at Mon Valley Community 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 | 36 | 31 | 8.8% |
| $50k – $100k | 48 | 45 | 6.3% |
| $100k – $150k | 25 | 22 | 4.4% |
| $150k – $250k | 20 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 23 | 8.0% |
| 35–44 | 29 | 26 | 3.7% |
| 45–54 | 29 | 28 | 3.5% |
| 55–64 | 21 | 20 | 4.8% |
| 65–74 | 22 | 19 | 9.5% |
Where Mon Valley Community Federal Credit Union lends
1 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 142 | 131 | 4.9% | — | #330 |
Frequently asked questions
Mon Valley Community Federal Credit Union denied 5.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of small mortgage lenders.
In 2025, 18% of its applications were for home purchases, 82% 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.