New Cumberland 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 D 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%
20th19.6% deniedProcesswithdrawn + incomplete share, weight 15%
45th12.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 174 | 124 | 16.1% | 18.4% | 6.09% | $7.1M |
| 2024 | 144 | 90 | 16.7% | 21.1% | 6.74% | $5.6M |
| 2025 | 128 | 89 | 17.2% | 19.6% | 6.74% | $7.3M |
What New Cumberland 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: 14 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 7 investment properties.
Why New Cumberland Federal Credit Union denies applications
Primary reason reported for each of the 22 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at New Cumberland Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 62 | 42 | 20.4% |
| $100k – $150k | 40 | 31 | 16.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 21 | 16 | 15.8% |
| 55–64 | 31 | 29 | 0.0% |
| 65–74 | 24 | 23 | 4.2% |
Where New Cumberland Federal Credit Union lends
1 states and 10 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 128 | 89 | 17.2% | 6.74% | #343 |
Frequently asked questions
New Cumberland Federal Credit Union denied 19.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 20th percentile of small mortgage lenders.
The most common reason New Cumberland Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 36.4% 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 New Cumberland Federal Credit Union originated in 2025 was 6.74%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 4% of its applications were for home purchases, 24% for refinancing (including cash-out), and 72% 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.